Updated October 17, 2026 · DebitCue Editorial Team

Top credit cards compared in the United Kingdom

535 cards available in the United Kingdom, ranked for the United Kingdom.

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Top credit cards compared in the United Kingdom
#CardScoreKey factsActions
1
Airwallex logo
AirwallexTop pick
9.0/10
Currency conversion fee:
0.5%
Legal entity:
Airwallex (Singapore) Pte. Ltd.
Headquarters:
Singapore
ReviewCompareVisit
2
Monzo logo
Monzo

Annual Uber One Membership - 3 month free trial: 3 months free

9.2/10
Annual fee:
£0
APR:
29%
Currency conversion fee:
0%
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3
Marbles Card
8.0/10
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4
Nexo logo
Nexo
8.9/10
Annual fee:
€0
APR:
from 1.9%
Currency conversion fee:
0.2% to 2.5%
ReviewCompareVisit
5
Revolut logo
Revolut
9.2/10
Annual fee:
€0
APR:
13.34% to 17.99%
Currency conversion fee:
0% to 2%
ReviewCompareVisit
6
Union Pay International logo
Union Pay International
9.6/10
Currency conversion fee:
0%
Rewards type:
Points
Perks:
Overseas spending settled in RMB at the market exchange rate, no need to buy foreign currency, No fee when paying at merchants abroad, Relatively low overseas ATM withdrawal fees, and 1 more
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7
Alior Bank logo
Alior Bank
9.5/10
Support channels:
Email, Chat, Phone, and 1 more
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8
Bank of Valletta logo
Bank of Valletta
9.5/10
Legal entity:
Bank of Valletta p.l.c.
Headquarters:
Malta
Founded:
1974
ReviewCompareSee alternatives
9
HSBC UK logo
HSBC UK

Get £220 when you switch to an HSBC Bank Account

9.5/10
Annual fee:
£0
APR:
29.9%
Currency conversion fee:
2.75%
ReviewCompareSee alternatives
10
Virgin Money logo
Virgin Money
9.5/10
APR:
27.9%
Currency conversion fee:
0%
Rewards type:
Cashback
ReviewCompareSee alternatives

Licensed in the United Kingdom

Monzo
Prudential Regulation Authority
Revolut
Financial Conduct Authority
Virgin Money
Prudential Regulation Authority
HSBC Classic Credit Card
Financial Conduct Authority
HSBC Classic Credit Card
Prudential Regulation Authority
Virgin Atlantic Reward Credit Card
Prudential Regulation Authority
Biscuit by Zopa
Financial Conduct Authority and Prudential Regulation Authority
Ocean Finance Card
Financial Conduct Authority
Santander UK
Financial Conduct Authority
Capital on Tap
Financial Conduct Authority
Starling Personal Account Debit Card
Prudential Regulation Authority
Zopa
Financial Conduct Authority and Prudential Regulation Authority
Zilch
Financial Conduct Authority
Aqua Card
Financial Conduct Authority
Aqua Card
Financial Conduct Authority (Payment Services Regulations 2017)
Barclaycard
Financial Conduct Authority
myPOS
Financial Conduct Authority (FCA) - myPOS Payments, Electronic Money Institution
NewDay
Financial Conduct Authority
NewDay
Financial Conduct Authority (NewDay Cards Ltd)
NewDay
Financial Conduct Authority under the Payment Services Regulations 2017

Other rankings

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Other countries

Airwallex

Airwallex

Top pick for the United Kingdom

9.0/10Visit