GBP · +44
Best Credit Cards in United Kingdom
Section 75 protection and 0% balance-transfer culture — 60M+ cards in issue.
The British credit-card market
The UK has roughly 60 million credit cards in issue (UK Finance, 2024). Section 75 of the Consumer Credit Act gives buyers joint-and-several liability protection on purchases between £100–£30,000, making credit cards the default for big-ticket purchases. The market is famous for long 0% balance-transfer offers and Avios-earning travel cards.
- check_circle60M+ credit cards in circulation
- check_circleSection 75 protection on £100–£30,000 purchases
- check_circle0% balance-transfer offers commonly run 20–30 months
- check_circleStrong Avios-earning ecosystem via BA Amex and Virgin cards
Major issuers
- Barclays
- HSBC
- NatWest
- Lloyds
- American Express
- Halifax
- M&S Bank
0 British cards on Perk.Cards
See all filters →FAQs — British credit cards
What is Section 75?expand_more
A consumer credit law that makes your credit card issuer jointly liable with the retailer for purchases between £100 and £30,000. Lets you claim a refund from the issuer if a seller defaults or fails to deliver.
Which UK credit card has the best Avios?expand_more
BA Amex Premium Plus (£300/yr) earns 1.5 Avios per £1 and a 2-4-1 companion voucher annually. The free BA Amex earns 1 Avios per £1 with no fee.