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Top 5 most popular credit cards of 2014 revealed

Cards with low foreign loading fees top the list
Tesco credit card being pulled out of wallet

With over 200 credit cards on the market and a myriad of deals to choose from, we reveal the year’s most popular credit cards among Which? Money Compare users. 

We’ve monitored which credit cards were the most applied for through Which? Money Compare since its launch in May 2014 to whittle down the top five most popular deals. 

Interestingly, the two most popular credit cards are both highly recommended primarily for overseas use. 

For each credit card, we’ve also included a link to the Which? Money Compare tables where you can find out more details.

Most popular credit cards of 2014

1) Saga Platinum Visa – 71% customer score

Saga is a Which? Recommended Provider offering both a great credit card deal and excellent customer service.

The Platinum Visa is a good card for use abroad, charging no foreign loading fees on any transactions.

The card comes with a reasonable 11.9% interest rate on purchases. However, you have to be over 50 to apply. Click here for more information about this card.    

2) Halifax Clarity MasterCard – 59% customer score

This is another excellent card to have in your wallet if you’re a regular jet-setter. 

It charges no foreign loading fees on transactions made abroad, on top of the exchange rate offered by MasterCard. 

It also comes with a reasonably low 12.9% interest rate on purchases and cash withdrawals. 

Additionally, it does not charge for cash withdrawals, though customers should be careful of making withdrawals as this can have a negative effect on your credit score. Click here for more information about this card.    

3) Tesco Bank Clubcard Credit Card for Purchases MasterCard – 69% customer score

This card offers a competitive 0% purchases deal of 19 months, which afterwards reverts back to its headline interest rate of 18.9%.  

If you are after the longest deal on the market, Santander have recently brought out a 23 month deal on the 123 Credit Card. 

Customers can earn extra Clubcard points with almost every transaction they make worth over £4, both in and out of Tesco stores. Click here for more information about this card.    

4) Tesco Bank Clubcard 33 Month Balance Transfer MasterCard – 69% customer score

If you’ve spent too heavily on a credit card, a lengthy 0% balance transfer deal can give you some time to pay down the debt. 

This is one of the longest deals on the market, just one month behind the longest deal offered by Barclaycard that stands at 34 months. 

The card charges a competitive 2.9% handling fee on any balance transferred to the card and comes with a 18.9% interest rate on purchases. 

Once again, customers can earn Clubcard points on spend. However, we’d recommend you reduce your debt before spending too heavily on this card. Click here for more information about this card.    

5) Post Office Platinum 18 Month Balance Transfer MasterCard – 69% customer score

This is yet another good card for overseas use, which charges no foreign loading fees on transactions. The card also offers a 18 month 0% balance transfer deal with a 2.98% handling fee. 

If you’re are just after a 0% balance transfer deal, you should look elsewhere as there are deals of up to 34 months available with similar transfer fees. 

The card comes with a 17.8% representative APR and uses the MasterCard network. Click here for more information about this card.    

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