Michelle Monck

Michelle Monck

Consumer Finance Expert
Published: 05/11/2019

How do we decide which credit cards get the highest ratings?

We review over 150 credit cards and cover the following card types:

  • Cashback credit cards
  • Reward credit cards
  • Balance transfer cards
  • Purchase cards
  • Credit repair cards

The first four categories are reviewed together and are listed under the best five- and four-star personal credit cards.  In addition, we also rate credit repair cards as a separate category.

We look at the credit cards and assess their product features and the scale of any penalties or fees associated with the cards. We also assess their additional services and ongoing benefits.

Those with the widest range of features and benefits will be awarded a top rating of five stars, with those that are close, but with a little more to do, achieving four stars.

How does a star rating help to find a credit card?

The ratings provided by Moneyfacts are an indication of which cards offer consumers the best range of product features and benefits. When looking for a credit card you should still do your own research and check that any card you are looking at meets your needs.

Personal Credit Cards – Five Star

In 2020, the following credit cards received the top rating of five stars. These have the strongest range of features of all credit cards currently in the market.

  • American Express - American Express Platinum Cashback Card
  • American Express - American Express Platinum Cashback Everyday Card
  • American Express - American Express Preferred Rewards Gold Credit Card
  • American Express - American Express Rewards Credit Card
  • American Express - American Express Rewards Low Rate Credit Card
  • American Express - American Express Rewards Purchases Credit Card
  • American Express - British Airways American Express Card
  • American Express - British Airways American Express Premium Plus
  • American Express - The American Express Nectar Credit Card
  • American Express - The Starwood Preferred Guest Credit Card Amex
  • Barclaycard - Barclaycard Platinum Cashback Plus Visa
  • First Trust Bank (NI) - First Trust Bank (NI) Visa/Mastercard Option 1
  • Halifax - Halifax Clarity Credit Card Mastercard
  • Halifax - Halifax 20 Month Balance Transfer Credit Card Mastercard
  • Halifax - Halifax Flexicard Mastercard
  • Halifax - Halifax 25 Month Balance Transfer Credit Card Mastercard
  • Halifax - Halifax 29 Month Balance Transfer Credit Card Mastercard
  • Halifax - Halifax Online Balance Transfer and Purchase Credit Card Mastercard
  • HSBC - HSBC Premier Credit Card Mastercard
  • HSBC - HSBC Premier World Elite Mastercard
  • M&S Bank - M&S Bank Reward Plus Mastercard
  • M&S Bank - M&S Bank Shopping Plus Mastercard
  • M&S Bank - M&S Bank Transfer Plus Mastercard
  • Metro Bank - Metro Bank Personal Credit Card Mastercard
  • Nationwide BS - Nationwide BS Credit Card Visa
  • Nationwide BS - Nationwide BS Select Credit Card Visa
  • NatWest - NatWest Reward Black Credit Card Mastercard
  • NatWest - NatWest Reward Credit Card Mastercard
  • NatWest - NatWest Credit Card Mastercard
  • NatWest - NatWest Student Credit Card Mastercard
  • Royal Bank of Scotland - Royal Bank of Scotland Reward Black Credit Card Mastercard
  • Royal Bank of Scotland - Royal Bank of Scotland Reward Credit Card Mastercard
  • Royal Bank of Scotland - Royal Bank of Scotland Royal Bank Credit Card Mastercard
  • Royal Bank of Scotland - Royal Bank of Scotland Student Credit Card Mastercard
  • Santander - Santander World Elite Mastercard
  • Santander - Santander All in One Credit Card Mastercard
  • Santander - Santander Zero Credit Card Mastercard
  • Tandem Bank - Tandem Bank Cashback Credit Card Mastercard
  • Tesco Bank - Tesco Bank 12 Month All Round Clubcard Credit Card Mastercard
  • Tesco Bank - Tesco Bank Clubcard 20 Month 0% Balance Transfer Fee Mastercard
  • Tesco Bank - Tesco Bank Clubcard Credit Card with Low APR Mastercard
  • Tesco Bank - Tesco Bank 15 Month All Round Clubcard Credit Card Mastercard
  • Tesco Bank - Tesco Bank Clubcard Credit Card 26 Month for Purchases Mastercard
  • Tesco Bank - Tesco Bank Clubcard Credit Card for 28 Months Balance Transfer Mastercard
  • Tesco Bank - Tesco Bank Clubcard Credit Card for 28 Months Money Transfer Mastercard
  • Ulster Bank - Ulster Bank Credit Card Mastercard
  • Virgin Money - Virgin Money Virgin Atlantic Reward Credit Card
  • Virgin Money - Virgin Money 12 Month Travel Credit Card Mastercard

Personal Credit Cards – Four Star

  • ASDA Money - ASDA Money Cashback Start Credit Card Mastercard
  • ASDA Money - ASDA Money Cashback Credit Card Mastercard
  • Bank of Ireland UK - Bank of Ireland UK Matched Mastercard
  • Bank of Ireland UK - Bank of Ireland UK Queens Affinity Mastercard
  • Bank of Ireland UK - Bank of Ireland UK Student Mastercard
  • Bank of Ireland UK - Bank of Ireland UK Ulster Rugby Affinity Mastercard
  • Bank of Scotland - Bank of Scotland Platinum Low Rate Mastercard
  • Bank of Scotland - Bank of Scotland Classic Mastercard
  • Bank of Scotland - Bank of Scotland Platinum 24 Month Balance Transfer Mastercard
  • Bank of Scotland - Bank of Scotland Platinum 20 Month Purchase and Balance Transfer Mastercard
  • Barclaycard - Barclaycard Platinum No Fee Balance Transfer Visa
  • Barclaycard - Barclaycard Platinum 28 Month Balance Transfer Visa
  • Barclaycard - Barclaycard Platinum 20 Month Purchase and Balance Transfer Visa
  • Barclaycard - Barclaycard Platinum 24 Month Balance Transfer Visa
  • Barclaycard - Barclaycard Platinum 27 Month Purchase and Balance Transfer Visa
  • Coutts & Co - Coutts & Co Silk Credit Card Visa
  • Creation Financial Services - IHG Rewards Club Credit Card Mastercard
  • Danske Bank - Danske Bank Standard Mastercard
  • First Trust Bank (NI) - First Trust Bank (NI) Visa/Mastercard Option 2
  • HSBC - HSBC Rewards Credit Card Mastercard
  • Lloyds Bank - Lloyds Bank Online Platinum 20 Month Balance Transfer Mastercard
  • Lloyds Bank - Lloyds Bank Online Platinum Low Rate Mastercard
  • Lloyds Bank - Lloyds Bank Online Platinum 20 Month Purchase and Balance Transfer Mastercard
  • Lloyds Bank - Lloyds Bank Online Platinum 24 Month Balance Transfer Mastercard
  • Lloyds Bank - Lloyds Bank Online Platinum 28 Month Balance Transfer Mastercard
  • MBNA Limited - MBNA Limited 0% Transfer and Purchase Credit Card Mastercard
  • MBNA Limited - MBNA Limited Long 0% Money Transfer Credit Card Mastercard
  • NatWest - NatWest Balance Transfer Credit Card Mastercard
  • Royal Bank of Scotland - Royal Bank of Scotland Balance Transfer Credit Card Mastercard
  • Sainsbury's Bank - Sainsbury's Bank No Balance Transfer Fee Credit Card Mastercard
  • Sainsbury's Bank - Sainsbury's Bank Balance Transfer Credit Card Mastercard
  • Sainsbury's Bank - Sainsbury's Bank Dual Offer Credit Card Mastercard
  • Sainsbury's Bank - Sainsbury's Bank Purchase Credit Card Mastercard
  • Ulster Bank - Ulster Bank Student Mastercard
  • Ulster Bank - Ulster Bank Balance Transfer Credit Card Mastercard
  • Virgin Money - Virgin Money 16 Month All Round Credit Card Mastercard
  • Virgin Money - Virgin Money 20 Month Balance Transfer Credit Card Mastercard
  • Virgin Money - Virgin Money Virgin Atlantic Reward Plus Credit Card
  • Virgin Money - Virgin Money 20 Month All Round Credit Card Mastercard
  • Virgin Money - Virgin Money 24 Month Balance Transfer Credit Card Mastercard
  • Virgin Money - Virgin Money 20 Month Purchase Credit Card Mastercard
  • Virgin Money - Virgin Money 23 Month All Round Credit Card Mastercard
  • Virgin Money - Virgin Money 29 Month Balance Transfer Credit Card Mastercard
  • Virgin Money - Virgin Money 27 Month Balance Transfer Credit Card Mastercard

Credit Repair Cards – Five Star

  • 118 118 Money - 118 118 Money Card Mastercard
  • Barclaycard - Barclaycard Forward Credit Card Visa
  • Barclaycard - Barclaycard Better Together Initial Visa
  • Barclaycard - Barclaycard Platinum 18 Month Balance Transfer Visa
  • Capital One - Capital One Classic Mastercard
  • HSBC - HSBC Classic Credit Card Visa
  • Lloyds Bank - Lloyds Bank Classic Mastercard
  • NewDay Ltd - aqua Reward Mastercard
  • Tandem Bank - Tandem Bank Journey Credit Card Mastercard
  • Tesco Bank - Tesco Bank Foundation Clubcard Credit Card Mastercard

Credit Repair Cards – Four Star

  • Capital One - Capital One Classic Platinum Mastercard
  • Capital One - Capital One Luma Mastercard
  • Capital One - Capital One Luma Purchase Mastercard
  • Capital One - Very Mastercard Ocean Finance - Ocean Credit Card Mastercard

Disclaimer: This information is intended solely to provide guidance and is not financial advice. Moneyfacts will not be liable for any loss arising from your use or reliance on this information. If you are in any doubt, Moneyfacts recommends you obtain independent financial advice.

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