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Top 5 most popular credit cards of 2015 revealed

Saga, Santander and Post Office among front-runners

Reward cards were among the most viewed on Which? Money Compare

Which? reveals the most enquired-about credit cards among Which? Money Compare users in 2015. 

The list below features the five most-viewed credit cards by users of Which? Money Compare between January 1 and December 22.   

Cash back credit cards and reward cards make up most of the top five, indicating savvy customers are keen to be rewarded and benefit from their spending.

The Which? Money Compare credit card tables let you search hundreds of cards from providers large and small to choose a great deal based on quality of service as well as cost and benefits.

Which? Money Compare table: credit cards – compare hundreds of deals

Most popular credit cards of 2015

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

5) M&S Credit Card – Which? Customer Score 69%

This credit card allows customers to earn reward points each time they spend. These points can be converted into Marks and Spencer vouchers. 

It also comes with a 19-month 0% interest deal on purchases and a 15-month 0% interest deal on balance transfers. Its APR is 18.9%. Click on the link to find out more about the M&S Credit Card.

4) Post Office Matched Credit Card – Which? Customer Score 65%

This card offers 0% interest on purchases for 27 months. It also comes with 0% interest on balance transfers for 16 months, though you will pay a transfer fee of 2.98%.  

Customers can use the card to purchase currency from the Post Office without paying a fee. The APR is 18.9%. Click on the link to find out more about the Post Office Matched Credit Card.

3) John Lewis/Waitrose Partnership Credit Card – Which? Customer Score 81%

John Lewis/Waitrose is a Which? Recommended Provider for credit cards and was the highest scoring credit card provider in our latest satisfaction survey. This credit card allows users to earn reward points, which can then be converted into in-store vouchers.

You’ll also pay 0% interest on purchases for the first six months. Its APR is 16.9%. Click on the link to find out more about the John Lewis/Waitrose Partnership Credit Card.

2) Santander 123 Credit Card – Which? Customer Score 66%

The Santander 123 Credit Card gives customers 3% cashback on transport costs including petrol and National Rail train tickets, 2% cashback at all major department stores and 1% cashback on major supermarket shopping. 

You’ll also get 0% interest on purchases and balance transfers for 23 months. 

Its annual fee is currently £24 a year, rising to £36 a year if you apply after January 11 2016. Its APR is 16.5%. Click on the link to find out more about the Santander 123 Credit Card.

1) Saga Over 50s Platinum Credit Card – Which? Customer Score 70%

The Saga Over 50s Platinum Credit Card doesn’t charge foreign loading fees, so it’s great for overseas use. It offers 0% on purchases for the first nine months. Its APR is 11.9%. Saga is a Which? Recommended Provider for credit cards. 

You need to be at least 50 years old to be eligible for the card. Click on the link to find out more about the Saga Platinum Credit Card.

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Which? Limited is an Introducer Appointed Representative of Which? Financial Services Limited, which is authorised and regulated by the Financial Conduct Authority (FRN 527029). Which? Mortgage Advisers and Which? Money Compare are trading names of Which? Financial Services Limited.

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