We review over 100 credit cards and cover the following card types:
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.
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.
Among the many factors we look at to determine star ratings are:
Click the headings below to see the full list of star ratings awarded.
AIB - AIB Visa Option 1
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 - British Airways American Express Card
American Express - British Airways American Express Premium Plus
American Express - Marriott Bonvoy™ American Express Credit Card
American Express - The American Express Nectar Credit Card
American Express - Vitality American Express Credit Card
Barclaycard - Barclaycard Platinum 15 Month No Fee Balance Transfer Visa
Barclaycard - Barclaycard Platinum 24 Month Balance Transfer Visa
Barclaycard - Barclaycard Platinum All-Rounder Visa
Barclaycard - Barclaycard Rewards Visa
Halifax - Halifax 0% Purchase and Balance Transfer Mastercard
Halifax - Halifax Clarity Credit Card Mastercard
Halifax - Halifax Credit Card Mastercard
Halifax - Halifax Longest 0% Balance Transfer Credit Card Mastercard
HSBC - HSBC Premier Credit Card Mastercard
HSBC - HSBC Premier World Elite Mastercard
M&S Bank - M&S Bank Reward Offer 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 Member Credit Card All Rounder Visa
Nationwide BS - Nationwide Member Credit Card Balance Transfer Visa
NatWest - NatWest Balance Transfer Credit Card Mastercard
NatWest - NatWest Credit Card Mastercard
NatWest - NatWest Reward Black Credit Card Mastercard
NatWest - NatWest Reward Credit Card Mastercard
Royal Bank of Scotland - Royal Bank of Scotland Balance Transfer 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
Santander - Santander All in One Credit Card Mastercard
Santander - Santander World Elite Mastercard
Tesco Bank - Tesco Bank 15 Month All Round Clubcard Credit Card Mastercard
Tesco Bank - Tesco Bank Clubcard Credit Card Balance Transfer and Purchase Mastercard
Tesco Bank - Tesco Bank Clubcard Credit Card for 26 Months Balance Transfer Mastercard
Tesco Bank - Tesco Bank Clubcard Credit Card Purchases Mastercard
Tesco Bank - Tesco Bank Clubcard Credit Card with Low APR Mastercard
Tesco Bank - Tesco Bank Clubcard Plus Credit Card Mastercard
Ulster Bank - Ulster Bank Balance Transfer Credit Card Mastercard
Ulster Bank - Ulster Bank Credit Card Mastercard
Virgin Money - Virgin Money 12 Month All Round Credit Card Mastercard
Virgin Money - Virgin Money 16 Month Balance Transfer Credit Card Mastercard
Virgin Money - Virgin Money Virgin Atlantic Reward Credit Card
Virgin Money - Virgin Money Virgin Atlantic Reward Plus Credit Card
Bank of Scotland - Bank of Scotland Platinum 0% Purchase and Balance Transfer Mastercard
Bank of Scotland - Bank of Scotland Platinum Low Fee 0% Balance Transfer Mastercard
Bank of Scotland - Bank of Scotland Platinum Low Rate Mastercard
Danske Bank - Danske Bank Standard Mastercard
HSBC - HSBC Rewards Credit Card Mastercard
Lloyds Bank - Lloyds Bank Platinum 0% Purchase and Balance Transfer Mastercard
Lloyds Bank - Lloyds Bank Platinum Low Fee 0% Balance Transfer Mastercard
Lloyds Bank - Lloyds Bank Platinum Low Rate Mastercard
MBNA Limited - MBNA Limited 0% Transfer and Purchase Credit Card Mastercard
MBNA Limited - MBNA Limited Long 0% Balance Transfer Credit Card Mastercard
MBNA Limited - MBNA Limited Long 0% Money Transfer Credit Card Mastercard
MBNA Limited - MBNA Limited Low Fee 0% Balance Transfer Mastercard
NatWest - NatWest Purchase & Balance Transfer Credit Card Mastercard
Royal Bank of Scotland - Royal Bank of Scotland Purchase & Balance Transfer Credit Card Mastercard
Sainsbury's Bank - Sainsbury's Bank 18 Month Low Balance Transfer Fee Credit Card Mastercard
Sainsbury's Bank - Sainsbury's Bank 26 Month Balance Transfer Credit Card Mastercard
Sainsbury's Bank - Sainsbury's Bank 29 Month Balance Transfer Credit Card Mastercard
Sainsbury's Bank - Sainsbury's Bank Dual Offer Credit Card Mastercard
Sainsbury's Bank - Sainsbury's Bank Nectar Dual Offer Credit Card Mastercard
Sainsbury's Bank - Sainsbury's Bank Nectar Reward Credit Card Mastercard
Ulster Bank - Ulster Bank Purchase & Balance Transfer Credit Card Mastercard
Virgin Money - Virgin Money 19 Month All Round Credit Card Mastercard
Virgin Money - Virgin Money 27 Month Balance Transfer Credit Card Mastercard
Virgin Money - Virgin Money 29 Month Balance Transfer Credit Card Mastercard
Virgin Money - Virgin Money Travel Credit Card Mastercard
118 118 Money - 118 118 Money Guaranteed Rate Card Mastercard
Barclaycard - Barclaycard Better Together Initial Visa
Barclaycard - Barclaycard Forward Credit Card Visa
HSBC - HSBC Classic Credit Card Visa
Tesco Bank - Tesco Bank Foundation Clubcard Credit Card Mastercard
Capital One - Capital One Classic Complete Mastercard
Capital One - Capital One Classic Mastercard
Capital One - Capital One Classic Platinum Mastercard
Ocean Finance - Ocean Credit Card Mastercard
Post Office Money® - Post Office Money® Classic Credit Card Mastercard
American Express - The American Express Green Card
American Express - The Platinum Card
Coutts & Co - Coutts and Co Silk Charge 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.