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Independent card comparison, worldwide

Compare credit, debit and prepaid cards

Every card here is judged on the same footing - cost, rewards, APR and perks. Filter by card type, network, issuer, rewards or fee to narrow your shortlist.

Same-footing scoring Independent and unbiased Free to use

11 cards · filtered

Ranked on the same footing - we may earn a commission.

Longest interest-free period
Credit card American Express UK - American Express

Earn more cashback by staying active โ€” exclusively for Vitality members

Cash back Pay in installments
Fee
No fee
Interest
29.4% - 45%
Interest-free
56 days

Why we like it

  • 0.5% cashback on first ยฃ10,000 annual spend; 1% aboveโ€ฆ
  • Welcome bonus
  • No card fee
  • 56-day interest-free period
Apply now On American Express UK's secure site View details
Best for travel insurance
Credit card American Express UK - American Express

Earn cashback with no annual fee

Cash back Pay in installments
Fee
No fee
Interest
from 29.1%
Interest-free
56 days

Why we like it

  • 0.5% cashback on up to ยฃ10,000 annual spend; 1%โ€ฆ
  • Welcome bonus
  • No card fee
  • 56-day interest-free period
Apply now On American Express UK's secure site View details
Longest interest-free period
Credit card American Express UK - American Express

Flexible points with no annual fee, permanently free

Points Pay in installments
Fee
No fee
Interest
from 29.1%
Interest-free
56 days

Why we like it

  • 1 Membership Rewards point per ยฃ1 spent. Points transferโ€ฆ
  • Welcome bonus
  • No card fee
  • 56-day interest-free period
Apply now On American Express UK's secure site View details
Best for travel insurance
Credit card American Express UK - American Express

Earn Avios on every purchase with no annual fee

Miles Pay in installments
Fee
No fee
Interest
from 29.1%
Interest-free
56 days

Why we like it

  • 1 Avios per ยฃ1 on all purchases. Companion Voucherโ€ฆ
  • Welcome bonus
  • No card fee
  • 56-day interest-free period
Apply now On American Express UK's secure site View details
Best for lounge access
Credit card American Express UK - American Express

The ultimate metal card for frequent travellers

Points Pay in installments No FX fee
Fee
ยฃ650 GBP/yr (โ‰ˆ $810)
Interest
29.1% - 685.3%
Interest-free
56 days

Why we like it

  • 1 Membership Rewards point per ยฃ1 on all spend.โ€ฆ
  • Welcome bonus
  • No foreign transaction fees
  • 56-day interest-free period
Apply now On American Express UK's secure site View details
Best for travel insurance
Credit card American Express UK - American Express

Premium Avios earning with a multi-cabin 2-for-1 voucher

Miles Pay in installments No FX fee
Fee
ยฃ300 GBP/yr (โ‰ˆ $380)
Interest
29.1% - 135.7%
Interest-free
56 days

Why we like it

  • 1.5 Avios per ยฃ1 on all purchases; 3 Aviosโ€ฆ
  • Welcome bonus
  • No foreign transaction fees
  • 56-day interest-free period
Apply now On American Express UK's secure site View details
Best for lounge access
Credit card American Express UK - American Express

Premium rewards with a first-year free trial

Points Pay in installments
Fee
ยฃ195 GBP/yr (โ‰ˆ $240)
Interest
29.1% - 85.8%
Interest-free
56 days

Why we like it

  • 1 Membership Rewards point per ยฃ1 on general spend;โ€ฆ
  • Welcome bonus
  • 56-day interest-free period
  • Airport lounge access
Apply now On American Express UK's secure site View details
Best for travel insurance
Credit card American Express UK - American Express

More cashback for regular spenders

Cash back Pay in installments
Fee
ยฃ25 GBP/yr (โ‰ˆ $31)
Interest
from 34.6%
Interest-free
56 days

Why we like it

  • 0.75% cashback on the first ยฃ10,000 of annual spend;โ€ฆ
  • Welcome bonus
  • 56-day interest-free period
  • Travel insurance included
Apply now On American Express UK's secure site View details
Best for travel insurance
Credit card American Express UK - American Express

Earn hotel points and elite status on everyday spending

Points Pay in installments
Fee
ยฃ95 GBP/yr (โ‰ˆ $120)
Interest
29.1% - 52.5%
Interest-free
56 days

Why we like it

  • 2 Marriott Bonvoy points per ยฃ1 on all spend;โ€ฆ
  • Welcome bonus
  • 56-day interest-free period
  • Travel insurance included
Apply now On American Express UK's secure site View details
Longest interest-free period
Credit card American Express UK - American Express

Supercharge your Nectar points on everyday shopping

Points Pay in installments
Fee
ยฃ30 GBP/yr (โ‰ˆ $38)
Interest
29.1% - 35.8%
Interest-free
56 days

Why we like it

  • 2 Nectar points per ยฃ1 on everyday purchases; 3โ€ฆ
  • Welcome bonus
  • 56-day interest-free period
  • Pay in installments
Apply now On American Express UK's secure site View details

Good to know

How to choose a card

Which cards rank highest right now?
Right now the highest-rated cards on DebitCue are:
Which cards have no annual or monthly fee?
These cards carry no annual or monthly fee:
Which cards are best for spending abroad?
For spending abroad with no foreign-transaction fee, look at:
Which cards earn rewards or cashback?
These cards earn rewards or cashback on your spending:
How does DebitCue rank cards?
Every card is scored on the same factors - fees, APR, rewards, perks and ease of use - so the ranking reflects value, not who pays us. Sponsored placements are labelled and never change a card's score.
What is the difference between credit, debit and prepaid cards?
A credit card lets you borrow up to a limit and repay later, often with rewards and an interest-free period. A debit card spends money you already hold in an account. A prepaid card spends a balance you load in advance, with no credit check and built-in budgeting.
Do the fees and rates apply in my country?
We show fees, APR and rewards in each card's own currency and flag where availability is limited to certain regions. Set your country at the top to hide cards that are not offered where you live, and always confirm the current terms on the issuer's site before you apply.
How do I avoid foreign-transaction fees?
Look for a card with no foreign-transaction fee and pay in the local currency rather than your home currency at the terminal. Use the No foreign fee filter above to see every card that charges nothing extra abroad.
Is it free to use DebitCue?
Yes. Comparing and reviewing cards is free. When you apply through one of our links we may earn a commission from the issuer, which keeps the site free and never affects how we rank cards.