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ARCHIVED ARTICLE This article was correct at the time of publication. It is now over 6 months old so the content may be out of date.

Published: 01/02/2017

Looking for a new credit card? If so, you'll want one that meets your needs perfectly, whether you're looking to clear your debts (with an interest-free balance transfer card), have a few big purchases in mind and don't want to foot a hefty interest bill (with the help of a 0% purchase card), or simply want a cost-effective card for everyday spending (by using a low rate or cashback credit card, for example).

However, you'll also want to make sure that you're getting the best deal possible, with a card that offers quality on every level, and we're here to help! We've just completed our annual assessment of the credit card market and have awarded our Star Ratings accordingly, which means that if you see the Moneyfacts logo, you can be confident you've found a card you can trust.

The ratings

The Moneyfacts Credit Card Star Ratings are based on the weighting of specific features, outside of the main headline rates, that are likely to be the most relevant for those looking to take out a credit card. Our dedicated research team takes a look at every feature of every card on the market to find those that truly offer the best deal, both when any introductory deals are active, but crucially, when they've finished. Essentially, we do all the hard work so you don't have to, ensuring you've got a card that will suit your needs for the foreseeable future.

Using our vast knowledge, gained from expert, detailed analysis of these products, the Moneyfacts Credit Card Star Ratings can help you choose, with confidence, the credit card that most suits your needs in terms of ongoing quality.

"As the credit card market gets more competitive and longer interest-free deals enter the market, it can be difficult for customers to decipher which deal will offer the best quality for everyday use over the longer term, especially once any introductory offers have expired," said Samantha Owens, Insight manager from Moneyfacts.

"The Moneyfacts Credit Card Star Ratings look at the underlying features of a product, ensuring the consumer finds the most complete product in terms of flexibility and added extras, which will reward them over the longer run."

The winners

So, just which credit card should you pick if you're in the market for a new one? You can find a list of the cards that have been awarded a Star Rating of four or five by heading to our website, so that could be a great place to start.

If you're on the high street, be on the lookout for any provider that carries our Star Ratings logo, or if you want to go straight to it and start comparing the options, head to our credit card Best Buys – these cards are at the top of the charts for a reason! Happy hunting.


Information is correct as of the date of publication (shown at the top of this article). Any products featured may be withdrawn by their provider or changed at any time. Links to third parties on this page are paid for by the third party. You can find out more about the individual products by visiting their site. will receive a small payment if you use their services after you click through to their site. All information is subject to change without notice. Please check all terms before making any decisions. 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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