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Which? Money Compare
Credit Cards & Loans
Credit Cards & Loans
Credit card calculators
Cashback reward calculator Balance transfer calculator Credit card repayment calculator All 3 calculators
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  • The Which? difference

  • Which? Money Compare displays all available credit card deals from providers large and small, whether we get paid commission or not. It makes no difference to how the credit cards appear in our tables, meaning you’ll always be able to stay in control and find the best deals for you, not us.

  • What are Which? Recommended Providers?

  • These are the companies that combine competitive deals with excellent customer service, and have been awarded Which?'s coveted Recommended Provider status.
Benefits
You could earn as much as 5% cash back in the early months of a deal.
Pitfalls
If you don't pay off your balance in full each month, interest charges could cancel out the cash back you earn.

Terms Explained 

Represent­ative APR (variable)

The interest rate for borrowing that at least 51% of the customers accepted will pay.

Which? Customer Score

Which?'s rating for customer satisfaction, based on feedback from thousands of real customers. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand to a friend.

Purchase interest p.a.

The annual interest rate you'll pay on new purchases after the interest-free deal ends.

Annual card fee

The fee you'll pay for having the card each year, if any.

Cash back on £500 monthly spend

Cash back you would earn in the first year based on spending £500 a month.

Max annual cash back

The maximum amount of cash back you can earn in a year.

Which? Money Compare is a trading name of Which? Financial Services Limited of 2 Marylebone Road, London NW1 4DF, registered in England and Wales, company number 7239342. Which? Financial Services Limited is a wholly-owned subsidiary of Which? Limited and part of the Which? Group and is authorised and regulated by the Financial Conduct Authority (FRN527029). Which? Money Compare content is hosted by Which? Limited on behalf of Which? Financial Services Limited.

All pages and content are the sole responsibility of Which? Financial Services Limited. Which? Limited is registered in England and Wales to 2 Marylebone Road, London NW1 4DF, company number 00677665, and is an Introducer Appointed Representative of Which? Financial Services Limited. We don’t carry advertising and we don’t allow providers to pay to optimise their search results.

The data for our service is provided by Runpath Group Limited, a registered company in England & Wales, Company Reg No: 06824947. Registered address: The Sir John Peace Building Experian Way, Ng2 Business Park, Nottingham, England, NG80 1ZZ. Runpath is not a member of the Which? Group of which we are part. We cannot guarantee that products listed will be available or available on the terms specified. Please check availability and terms direct with the relevant product provider.

The Which? Customer Score is based on research carried out by the Which? Money editorial team and reflects the quality of service Which? members we’ve surveyed have told us they received you can expect to get from the provider you choose. Runpath has no influence on these ratings. Runpath receives a commission from some of the brokers and providers listed on the Which? Money Compare Site. A proportion of this commission is then repaid to Which? Financial Services Limited. Income we generate from our commercial activities helps the Which? Group to be independent and impartial in how it helps consumers make informed decisions, raise awareness of consumer needs and drive positive change.

If you do wish to complain about Money Compare, please see the full details of how to register a complaint here.

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