Good Credit Cards

Credit cards for people with good credit are amongst the most competitive in the UK. There are a number of reasons for this, but the main one is that these people tend to be amongst the most profitable customers for credit card issuers. Compare top good credit credit cards below and find your ideal product.

  • 0% on balance transfers for 36 months from account opening on balance transfers made within the first 90 days - 2.5% fee (3% is initially applied, then 0.5% is refunded) - 3% after this time
  • 0% for 3 months from account opening on purchases
  • Apple Pay enabled payments
  • APR & promotional offer length are dependent on your circumstances
  • Must be a UK resident, aged 18 years or over, have a regular income, not subject to an IVA or currently bankrupt
  • 0% on balance transfers for 36 months from account opening on balance transfers made within the first 90 days - 2.5% fee (3% is initially applied, then 0.5% is refunded) - 3% after this time
  • 0% for 3 months from account opening on purchases
  • Contactless payments
  • Apple Pay enabled payments
  • APR & promotional offer length are dependent on your circumstances
  • Must be a UK resident, aged 18 years or over, have a regular income, not subject to an IVA or currently bankrupt
  • Balance Transfers
    Intro
    0%
    36 Months
    2.50% Fee
    Purchases
    Intro
    0%
    3 Months
    Rewards
    No Rewards
    Annual Fee
    £0
    Representative APR (variable)
    19.9%
    APR

Representative Example: Representative 19.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 19.95% p.a. (variable)

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Credit Needed
Good
  • 0% on balance transfers for 36 months from account opening
  • 2.69% balance transfer fee applies
  • 0% interest periods apply to any balances transferred within the first 90 days of opening your account
  • 0% on purchases for 3 months
  • You must not have applied for a Tesco Bank Credit Card in the last month or have an application currently in progress
  • You must be a UK resident, have a good credit history, and an annual income of at least £5,000
  • The APR, length of promotional period, and credit limit may vary as they are dependent on your personal circumstances
  • 0% on balance transfers for 38 months from account opening
  • 2.69% balance transfer fee applies
  • 0% interest periods apply to any balances transferred within the first 90 days of opening your account
  • 0% on purchases for 3 months
  • You must not have applied for a Tesco Bank Credit Card in the last month or have an application currently in progress
  • You must be a UK resident, have a good credit history, and an annual income of at least £5,000
  • The APR, length of promotional period, and credit limit may vary as they are dependent on your personal circumstances
  • Balance Transfers
    Intro
    0%
    36 Months
    2.69% Fee
    Purchases
    Intro
    0%
    3 Months
    Rewards
    Tesco Clubcard Points
    Annual Fee
    £0
    Representative APR (variable)
    18.9%
    APR

Representative Example: Representative 18.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable)

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Credit Needed
Good
  • Receive £20 cashback when you make £20 of eligible purchases with your new card. Offer ends 10 Jan 2018 & T&Cs Apply
  • 0% on balance transfers for 20 months (minimum £100 balance transfer)
  • 0% on purchases for 20 months
  • A balance transfer fee of 2.95% for balances made in the first 90 days
  • 1% cashback on purchases if you also hold the TSB Classic Plus current account. Maximum cashback £5 per month until 30 June 2018 (terms and conditions apply)
  • Apple Pay enabled payments
  • Subject to status & lending criteria
  • Must be a UK resident, aged 18 or over, and be free of any CCJs
  • 0% on balance transfers for 20 months (minimum £100 balance transfer)
  • 0% on purchases for 20 months
  • A balance transfer fee of 2.95% for balances made in the first 90 days
  • 1% cashback on purchases if you also hold the TSB Classic Plus current account. Maximum cashback £5 per month until 30 June 2018 (terms and conditions apply)
  • Apple Pay enabled payments
  • Subject to status & lending criteria
  • Must be a UK resident, aged 18 or over, and be free of any CCJs
  • Balance Transfers
    Intro
    0%
    20 Months
    2.95% Fee
    Purchases
    Intro
    0%
    20 Months
    Rewards
    No Rewards
    Annual Fee
    £0
    Representative APR (variable)
    18.9%
    APR

Representative Example: Representative 18.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 18.94% p.a. (variable)

 APPLY ONLINE

Credit Needed
Good
  • 0% interest on all purchases for 26 months from the date your account is opened
  • 0% on balance transfers for 12 months from account opening (3% fee, min £3)
  • Contactless card for payments under £30)
  • Use worldwide at outlets or ATMs which display the Mastercard symbol
  • MasterCard SecureCode protection
  • Must be a UK resident, aged 18 years or over
  • 0% interest on all purchases for 26 months from the date your account is opened
  • 0% on balance transfers for 12 months from account opening (3% fee, min £3)
  • Contactless card for payments under £30)
  • Use worldwide at outlets or ATMs which display the Mastercard symbol
  • MasterCard SecureCode protection
  • Must be a UK resident, aged 18 years or over
  • Balance Transfers
    Intro
    0%
    12 Months
    3.00% Fee
    Purchases
    Intro
    0%
    26 Months
    Rewards
    No Rewards
    Annual Fee
    £0
    Representative APR (variable)
    18.9%
    APR

Representative Example: Representative 18.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable)

  • Reduced balance transfer fee of 0.59% (refunded from 1.5% fee charged, T&Cs apply) on transfers made within the first 3 months, 3% afterwards (min £3 at all times)
  • Up to 10,000 bonus Nectar points: Earn 1,000 bonus points each time you spend £35 or more on Sainsbury's shopping with your credit card, up to ten times in your first 2 months, that's 10,000 points. Apply by 28th December 2017 (T&Cs apply)
  • Must be a UK resident and aged 18 years or over
  • Must not have been declined credit in the last month, or have a history of bad credit
  • Reduced balance transfer fee of 0.59% (refunded from 1.5% fee charged, T&Cs apply) on transfers made within the first 3 months, 3% afterwards (min £3 at all times)
  • Up to 10,000 bonus Nectar points: Earn 1,000 bonus points each time you spend £35 or more on Sainsbury's shopping with your credit card, up to ten times in your first 2 months, that's 10,000 points. Apply by 28th December 2017 (T&Cs apply)
  • Balance Transfers
    Intro
    0%
    33 Months
    0.59% Fee
    Purchases
    Intro
    0%
    3 Months
    Rewards
    Nectar Points
    Annual Fee
    £0
    Representative APR (variable)
    18.9%
    APR

Representative Example: Representative 18.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 18.95% p.a. (variable)

 APPLY ONLINE

Credit Needed
Good
  • 2.74% balance transfer fee applies on transfers made within your first 3 months, 3% afterwards (Minimum £3 at all times)
  • Up to 10,000 bonus Nectar points: Earn 1,000 bonus points each time you spend £35 or more on Sainsbury's shopping with your credit card, up to ten times in your first 2 months, that's 10,000 points. Apply by 28th December 2017 (T&Cs apply)
  • Must be a UK resident and aged 18 years or over
  • Must not have been declined credit in the last month, or have a history of bad credit
  • 2.74% balance transfer fee applies on transfers made within your first 3 months, 3% afterwards (Minimum £3 at all times)
  • Up to 10,000 bonus Nectar points: Earn 1,000 bonus points each time you spend £35 or more on Sainsbury's shopping with your credit card, up to ten times in your first 2 months, that's 10,000 points. Apply by 28th December 2017 (T&Cs apply)
  • Must be a UK resident and aged 18 years or over
  • Must not have been declined credit in the last month, or have a history of bad credit
  • See complete Sainsbury's Bank Dual Offer details
  • Balance Transfers
    Intro
    0%
    30 Months
    2.74% Fee
    Purchases
    Intro
    0%
    30 Months
    Rewards
    Nectar Points
    Annual Fee
    £0
    Representative APR (variable)
    18.9%
    APR

Representative Example: Representative 18.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 18.95% p.a. (variable)

 APPLY ONLINE

Credit Needed
Good
  • 0% on balance transfers for up to 22 months from account opening (no fee)
  • 0% on money transfers for 12 months from account opening (3.94% fee)
  • Earn Clubcard points wherever you use your Tesco Bank credit card and get your usual points in Tesco too (terms & conditions apply)
  • Apply online and get a decision within 60 seconds
  • Transfer a balance within 90 days of opening your account to get the 0% deal
  • You must not have applied for a Tesco Bank Credit Card in the last month or have an application currently in progress
  • You must be a UK resident, aged 18 or over, have a good credit history, and have an annual income of at least £5,000
  • The APR and length of promotional offer may vary as they are dependent on your personal circumstances
  • 0% on balance transfers for up to 24 months from account opening (no fee)
  • 0% on money transfers for 12 months from account opening (3.94% fee)
  • Earn Clubcard points wherever you use your Tesco Bank credit card and get your usual points in Tesco too (terms & conditions apply)
  • Apply online and get a decision within 60 seconds
  • Transfer a balance within 90 days of opening your account to get the 0% deal
  • You must not have applied for a Tesco Bank Credit Card in the last month or have an application currently in progress
  • You must be a UK resident, aged 18 or over, have a good credit history, and have an annual income of at least £5,000
  • The APR and length of promotional offer may vary as they are dependent on your personal circumstances
  • Balance Transfers
    Intro
    0%
    22 Months
    0.00% Fee
    Purchases
    Intro
    n/a
    Rewards
    Tesco Clubcard Points
    Annual Fee
    £0
    Representative APR (variable)
    18.9%
    APR

Representative Example: Representative 18.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable)

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Credit Needed
Good
  • 0% on balance transfers for up to 37 months. A 1.99% fee applies and balance transfers must be made within three months of account opening
  • No cash fee to buy travel money at the Post Office
  • 0% on all purchases for the first 3 months
  • No annual fee
  • You must be a UK resident, aged 18 years or over, have an income of at least £8,000, and have no outstanding CCJs, have a current bank or building society account & not already hold a Post Office Money Credit Card
  • Post Office Credit Cards are provided by Bank of Ireland UK. Post Office Limited is a credit broker and not a lender
  • 0% on balance transfers for up to 37 months. A 1.99% fee applies and balance transfers must be made within three months of account opening
  • No cash fee to buy travel money at the Post Office
  • 0% on all purchases for the first 3 months
  • No annual fee
  • You must be a UK resident, aged 18 years or over, have an income of at least £8,000, and have no outstanding CCJs, have a current bank or building society account & not already hold a Post Office Money Credit Card
Post Office Credit Cards are provided by Bank of Ireland UK. Post Office Limited is a credit broker and not a lender
  • Balance Transfers
    Intro
    0%
    37 Months
    1.99% Fee
    Purchases
    Intro
    0%
    3 Months
    Rewards
    No Rewards
    Annual Fee
    £0
    Representative APR (variable)
    18.9%
    APR

Representative Example: Representative 18.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable)

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Credit Needed
Excellent
  • 0% for 25 months on balance transfers (2.70% fee), 0% for 25 months on purchases & 0% for 25 months on money transfers (2.70% fee)
  • Use Virgin's Card Checker to see if you will be accepted without affecting your credit rating
  • Choose your card design from our fabulous range
  • Earn cashback when you shop online with over 500 top brands with Virgin Money Back and enjoy exclusive offers and rewards from our family with the Virgin Red app
  • Must be aged 18 or over, UK resident with a bank account, and have a good credit rating
  • 0% for 25 months on balance transfers (2.70% fee), 0% for 25 months on purchases & 0% for 25 months on money transfers (2.70% fee)
  • Use Virgin's Card Checker to see if you will be accepted without affecting your credit rating
  • Choose your card design from our fabulous range
  • Earn cashback when you shop online with over 500 top brands with Virgin Money Back and enjoy exclusive offers and rewards from our family with the Virgin Red app
  • Must be aged 18 or over, UK resident with a bank account, and have a good credit rating
  • Balance Transfers
    Intro
    0%
    25 Months
    2.70% Fee
    Purchases
    Intro
    0%
    25 Months
    Rewards
    Virgin discounts
    Annual Fee
    £0
    Representative APR (variable)
    18.9%
    APR

Representative Example: Representative 18.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable)

 APPLY ONLINE

Credit Needed
  • No fees on overseas purchases
  • 0% for 12 months on balance transfers (no fee), purchases, and money transfers (2% fee)
  • Use Virgin's Card Checker to see if you will be accepted without affecting your credit rating
  • Customers can also enjoy a host of travel offers including 5% off at Virgin Holidays and £25 cashback on Virgin Money Travel Insurance and Virgin Money International Money Transfers
  • Earn cashback when you shop online with over 500 top brands with Virgin Money Back and enjoy exclusive offers and rewards from our family with the Virgin Red app
  • Must be aged 18 or over, UK resident with a bank account, and have a good credit rating
  • No fees on overseas purchases
  • 0% for 12 months on balance transfers (no fee), purchases, and money transfers (2% fee)
  • Use Virgin's Card Checker to see if you will be accepted without affecting your credit rating
  • Customers can also enjoy a host of travel offers including 5% off at Virgin Holidays and £25 cashback on Virgin Money Travel Insurance and Virgin Money International Money Transfers
  • Earn cashback when you shop online with over 500 top brands with Virgin Money Back and enjoy exclusive offers and rewards from our family with the Virgin Red app
  • Must be aged 18 or over, UK resident with a bank account, and have a good credit rating
  • Balance Transfers
    Intro
    0%
    12 Months
    0.00% Fee
    Purchases
    Intro
    0%
    12 Months
    Rewards
    Virgin travel discounts
    Annual Fee
    £0
    Representative APR (variable)
    19.9%
    APR

Representative Example: Representative 19.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 19.9% p.a. (variable)

 APPLY ONLINE

Credit Needed
Good
  • 0% on balance transfers for 30 months (2.75% fee applies)
  • 0% on purchases for 30 months from account opening
  • Manage your account anywhere with online and mobile banking
  • No monthly or annual fees
  • Apple Pay enabled contactless payments
  • You will receive the exact rate and offer advertised if your application is accepted (Subject to status)
  • You must be a UK resident, aged 18 years or over, have a good credit history, have no CCJ or bankruptcy history, and must have an income of at least £7,500
  • 0% on balance transfers for 30 months (2.75% fee applies)
  • 0% on purchases for 30 months from account opening
  • Manage your account anywhere with online and mobile banking
  • No monthly or annual fees
  • Apple Pay enabled contactless payments
  • You will receive the exact rate and offer advertised if your application is accepted (Subject to status)
  • You must be a UK resident, aged 18 years or over, have a good credit history, have no CCJ or bankruptcy history, and must have an income of at least £7,500
  • Balance Transfers
    Intro
    0%
    30 Months
    2.75% Fee
    Purchases
    Intro
    0%
    30 Months
    Rewards
    No Rewards
    Annual Fee
    £0
    Representative APR (variable)
    18.9%
    APR

Representative Example: Representative 18.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable)

 APPLY ONLINE

Credit Needed
Good
  • No foreign transaction fees on purchases when made in the local currency
  • Online and mobile banking so you can manage your account anywhere
  • No cash withdrawal fees at home and abroad (interest in charged immediately on cash withdrawals)
  • Apple pay enabled - Pay with your iPhone, iPad or Apple Watch
  • You will receive the exact rate and offer advertised if your application is accepted (Subject to status)
  • No foreign transaction fees on purchases when made in the local currency
  • Online and mobile banking so you can manage your account anywhere
  • No cash withdrawal fees at home and abroad (interest in charged immediately on cash withdrawals)
  • Apple pay enabled - Pay with your iPhone, iPad or Apple Watch
  • You will receive the exact rate and offer advertised if your application is accepted (Subject to status)
  • Balance Transfers
    Intro
    n/a
    Purchases
    Intro
    n/a
    Rewards
    Retailer Cashback & Instore Discounts
    Annual Fee
    £0
    Representative APR (variable)
    18.9%
    APR

Representative Example: Representative 18.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable)

 APPLY ONLINE

Credit Needed
Good
  • 0% on balance transfers for 39 months from account opening with no balance transfer fee
  • Get 5 cashback offers of up to 25% from a range of major retailers
  • No foreign transaction fees on purchases and cash withdrawals abroad when made in the local currency
  • Apple pay enabled - Pay with your iPhone, iPad or Apple Watch
  • *£3 monthly fee - £36 per year
  • You will receive the exact rate and offer advertised if your application is accepted (Subject to status)
  • 0% on balance transfers for 39 months from account opening with no balance transfer fee
  • Get 5 cashback offers of up to 25% from a range of major retailers
  • No foreign transaction fees on purchases and cash withdrawals abroad when made in the local currency
  • Apple pay enabled - Pay with your iPhone, iPad or Apple Watch
  • *£3 monthly fee - £36 per year
  • You will receive the exact rate and offer advertised if your application is accepted (Subject to status)
  • Balance Transfers
    Intro
    0%
    39 Months
    0.00% Fee
    Purchases
    Intro
    0%
    6 Months
    Rewards
    Retailer Cashback & Instore Discounts
    Annual Fee
    *£36
    Representative APR (variable)
    21.7%
    APR

Representative Example: Representative 21.7% APR (variable). Based on an annual fee of £36, a credit limit of £1,200 and a purchase rate of 15.9% p.a. (variable)

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Credit Needed
Good
  • 5,000 bonus Avios when spending £1,000 within the first 3 months of Cardmembership
  • Earn 1 Avios for virtually every £1 you spend
  • Companion Voucher when you spend £20,000 per anniversary year
  • Automatic enrolment to the British Airways Executive Club
  • Apple Pay enabled payments
  • You must be a UK resident, aged 18 years or over and have no history of bad debt
  • 5,000 bonus Avios when spending £1,000 within the first 3 months of Cardmembership
  • Earn 1 Avios for virtually every £1 you spend
  • Companion Voucher when you spend £20,000 per anniversary year
  • Automatic enrolment to the British Airways Executive Club
  • Apple Pay enabled payments
  • You must be a UK resident, aged 18 years or over and have no history of bad debt
  • Balance Transfers
    Intro
    n/a
    Purchases
    Intro
    n/a
    Rewards
    Avios
    Annual Fee
    £0
    Representative APR (variable)
    22.9%
    APR

Representative Example: Representative 22.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 22.9% p.a. (variable)

 APPLY ONLINE

Credit Needed
Good
  • Balance transfer fee of 3% (minimum £3 at all times)
  • Up to 10,000 bonus Nectar points: Earn 1,000 bonus points each time you spend £35 or more on Sainsbury's shopping with your credit card, up to ten times in your first 2 months, that's 10,000 points. Apply by 28th December 2017 (T&Cs apply)
  • Must be a UK resident and aged 18 years or over
  • Must not have been declined credit in the last month, or have a history of bad credit
  • Balance transfer fee of 3% (minimum £3 at all times)
  • Up to 10,000 bonus Nectar points: Earn 1,000 bonus points each time you spend £35 or more on Sainsbury's shopping with your credit card, up to ten times in your first 2 months, that's 10,000 points. Apply by 28th December 2017 (T&Cs apply)
  • Must be a UK resident and aged 18 years or over
  • Must not have been declined credit in the last month, or have a history of bad credit
  • See complete Sainsbury's Bank Purchase details
  • Balance Transfers
    Intro
    0%
    3 Months
    3.00% Fee
    Purchases
    Intro
    0%
    31 Months
    Rewards
    Nectar Points
    Annual Fee
    £0
    Representative APR (variable)
    18.9%
    APR

Representative Example: Representative 18.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 18.95% p.a. (variable)

 APPLY ONLINE

Credit Needed
Good
  • 0% on purchases for the first 30 months
  • 0% on balance transfers for 30 months. 2.75% fee applies
  • Balance transfers must be made within 3 months of account opening
  • No cash fee to buy travel money at the Post Office
  • You must be a UK resident, aged 18 years or over, have an income of at least £8,000, have no outstanding CCJs, have a current bank or building society account and not already hold a Post Office Money Credit Card
  • Post Office Credit Cards are provided by bank of Ireland UK. Post Office Limited is a credit broker and not a lender
  • 0% on purchases for the first 30 months
  • 0% on balance transfers for 30 months. 2.75% fee applies
  • Balance transfers must be made within 3 months of account opening
  • No cash fee to buy travel money at the Post Office
  • You must be a UK resident, aged 18 years or over, have an income of at least £8,000, have no outstanding CCJs, have a current bank or building society account and not already hold a Post Office Money Credit Card
Post Office Credit Cards are provided by Bank of Ireland UK. Post Office Limited is a credit broker and not a lender
  • Balance Transfers
    Intro
    0%
    30 Months
    2.75% Fee
    Purchases
    Intro
    0%
    30 Months
    Rewards
    No Rewards
    Annual Fee
    £0
    Representative APR (variable)
    18.9%
    APR

Representative Example: Representative 18.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable)

  • A 1.5% balance transfer fee charged initially and fully refunded within 60 days applies on transfers made within the first 3 months, 3% afterwards (min £3)
  • Up to 10,000 bonus Nectar points: Earn 1,000 bonus points each time you spend £35 or more on Sainsbury's shopping with your credit card, up to ten times in your first 2 months, that's 10,000 points. Apply by 28th December 2017 (T&Cs apply)
  • Must be a UK resident and aged 18 years or over
  • Must not have been declined credit in the last month, or have a history of bad credit
  • A 1.5% balance transfer fee charged initially and fully refunded within 60 days applies on transfers made within the first 3 months, 3% afterwards (min £3)
  • Up to 10,000 bonus Nectar points: Earn 1,000 bonus points each time you spend £35 or more on Sainsbury's shopping with your credit card, up to ten times in your first 2 months, that's 10,000 points. Apply by 28th December 2017 (T&Cs apply)
  • Balance Transfers
    Intro
    0%
    28 Months
    0.00% Fee
    Purchases
    Intro
    0%
    3 Months
    Rewards
    Nectar Points
    Annual Fee
    £0
    Representative APR (variable)
    18.9%
    APR

Representative Example: Representative 18.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 18.95% p.a. (variable)

 APPLY ONLINE

Credit Needed
Good
  • 0% interest on all purchases for 26 months from the date your account is opened
  • 0% on balance transfers for 12 months from account opening (3% fee, min £3)
  • Use worldwide at outlets or ATMs which display the Mastercard symbol
  • Contactless card for payments under £30)
  • Must be 18 years old and a UK resident
  • 0% interest on all purchases for 26 months from the date your account is opened
  • 0% on balance transfers for 12 months from account opening (3% fee, min £3)
  • Use worldwide at outlets or ATMs which display the Mastercard symbol
  • Contactless card for payments under £30)
  • Must be 18 years old and a UK resident
  • Balance Transfers
    Intro
    0%
    12 Months
    3.00% Fee
    Purchases
    Intro
    0%
    26 Months
    Rewards
    No Rewards
    Annual Fee
    £0
    Representative APR (variable)
    18.9%
    APR

Representative Example: Representative 18.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable)

 APPLY ONLINE

Credit Needed
Good
  • 0% interest on purchases and balance transfers for 25 months
  • Transfer your balance as you apply online (1.49% fee)
  • Pay for items up to £30 with payWave™ Contactless
  • Apple Pay enabled
  • Must be a UK resident, aged 18 years or over, with a regular income and a good credit rating
  • 0% interest on purchases and balance transfers for 25 months
  • Transfer your balance as you apply online (1.49% fee)
  • Pay for items up to £30 with payWave™ Contactless
  • Apple Pay enabled
  • Must be a UK resident, aged 18 years or over, with a regular income and a good credit rating
  • Balance Transfers
    Intro
    0%
    25 Months
    1.49% Fee
    Purchases
    Intro
    0%
    25 Months
    Rewards
    Barclaycard Unwind
    Annual Fee
    £0
    Representative APR (variable)
    19.9%
    APR

Representative Example: Representative 19.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 19.9% p.a. (variable)

 APPLY ONLINE

Credit Needed
Good
  • 0% interest for 30 months on purchases
  • 0% for 6 months from account opening on balance transfers (3% fee)
  • Free cover against online fraud
  • Apple Pay enabled payments
  • APR dependent on applicant circumstances
  • You must be a UK resident, aged 18 years or over, have a regular income of at least £20,000 p.a., not have any CCJs, be subject to an IVA or be currently declared bankrupt
  • 0% interest for 30 months on purchases
  • 0% for 6 months from account opening on balance transfers (3% fee)
  • Free cover against online fraud
  • Apple Pay enabled payments
  • APR dependent on applicant circumstances
  • You must be a UK resident, aged 18 years or over, have a regular income of at least £20,000 p.a., not have any CCJs, be subject to an IVA or be currently declared bankrupt
  • Balance Transfers
    Intro
    0%
    6 Months
    3.00% Fee
    Purchases
    Intro
    0%
    30 Months
    Rewards
    No Rewards
    Annual Fee
    £0
    Representative APR (variable)
    18.9%
    APR

Representative Example: Representative 18.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 18.95% p.a. (variable)

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What are “Good Credit” credit cards?

Numerous credit card products are marketed as being designed for people with good credit, but the term itself is somewhat ambiguous. This is because different credit reference agencies score people slightly differently. However, in general people with good credit are unlikely to have received CCJs, frequently defaulted, or paid their minimum payment late. They are also likely to have a reasonable income and settled personal circumstances (often indicated by inclusion within the electoral role).

The credit cards available to people with good credit vary in terms of attributes and features. Some offer the traditionally popular 0% balance transfer deals, whilst others offer rewards and other benefits. It is therefore wise to thoroughly compare products to find the best fit before making an application.

What is a good credit score?

In the UK, credit cards are often marketed with eligibility guidance. This guidance benefits both the applicant, who knows not to apply for a product they are ineligible for, but also credit card issuers, who can reduce the number of failed applications they process.

Eligibility guidance typically includes minimum age, income, UK bank account, and UK residence requirements - all of which leave little scope for misinterpretation. However, many issuers also include guidance as to credit score eligibility requirements which, in the UK, can be far more subjective.

Unlike the United States, where FICO offers defined ranges between which different scores are categorised, the UK has no universal credit rating system. Three different credit rating systems exist; one for each of the main UK credit reference agencies (CRA) - Experian, Equifax and Callcredit.

Each CRA uses their own data (together with third party data) to derive an individual’s credit score. However, the exact data sources of each CRA vary slightly, as do the ‘weightings’ they give different data elements, as they seek to best reflect their understanding of what constitutes various credit types. This can make credit score guidance in the UK very obscure.

Of course, some people are fully aware of their credit rating, especially those at the extremes. Indeed, an entire category of credit cards, targeted towards people who know they have poor credit has evolved in the shape of ‘Bad Credit’ credit cards. Nevertheless, for people who are not at the extremes of credit scoring, it can be difficult to understand which bracket they fall into. How good is good? How bad is bad? Unfortunately there is no failsafe way of knowing. However, credit card issuers also understand the issue, and many now offer ‘down-sell’ products for people who fail to meet the strict criteria require for the advertised product. Admittedly, these products can be a poor reflection of the product an individual applied for, but some are still competitive products in their own right.

How to get the best card with good credit

Of course some people are happy to apply for products and accept rejection. Others are happy to take the down-sell products offered to them when they apply for other products, but perhaps the best way to ensure which product is obtainable is to use the online eligibility checkers now offered by a number of different issuers.

Traditionally thought of as tools for people with bad credit, to see if they might be accepted, eligibility checkers are now commonplace amongst even prime credit card issuers and are a useful way to understand whether an application is likely to be accepted, before a full application is made.

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