What is the best credit card in the UK?

It depends on your needs — Barclaycard for 0% balance transfers, Amex for rewards and travel, Chase for simple 1% cashback, and Aqua for credit building.

Do credit card applications affect my credit score?

Yes — each application creates a hard search. Multiple applications in a short period can lower your score. Use eligibility checkers (soft search) first to check approval odds.

What credit score do I need for a credit card?

It varies by card. Premium rewards cards need 'excellent' scores (700+), while credit builder cards like Aqua accept 'poor' scores. Most mainstream cards need 'fair' to 'good'.

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💳 5 Providers · Instant Comparison

Compare Credit Cards

Tell Sento what you're looking for and we'll recommend the best card for your needs.

50+

Cards compared

22 months

Best 0% deal

Best cashback

💳 Barclaycard🏆 Amex💰 Chase🏦 Halifax🔨 Aqua

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Financial products are regulated by the Financial Conduct Authority (FCA). Ensure any provider you choose is FCA authorised. Capital at risk for investments.

Visit Provider — Get Your Quote

Barclaycard

★

Longest 0% balance transfer in UK — 22 months interest-free.

Best Balance TransferVisit Barclaycard →

American Express

Best cashback and reward rates with premium travel perks.

Best RewardsVisit Amex →

Chase

1% cashback on everything, no fees, excellent app.

Best StarterVisit Chase →

Halifax

Long 0% purchase period — ideal for spreading big costs.

Best for PurchasesVisit Halifax →

Aqua

Accepts poor credit scores — helps rebuild your credit history.

Credit BuilderVisit Aqua →

Sento is an independent comparison service. We may receive a commission if you apply via our links. This does not affect our editorial independence. Always read the terms and conditions before applying for any financial product.

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