Top 10 Best Credit Cards in the UK,How to Apply

Top 10 Best Credit Cards in the UK 

🥇 1. American Express® Platinum Cashback Everyday Credit Card

• Best for: Everyday Cashback

• Eligibility:

  • UK resident, 18+

  • Annual income £20,000+

  • Good credit history

• Required Documents:

  • Proof of income

  • UK address and ID (passport/driver’s licence)

• Benefits:

  • Up to 5% cashback (first 3 months)

  • 0.5–1% ongoing cashback

  • No annual fee

🥈 2. Barclaycard Rewards Credit Card

• Best for: No Fees Abroad

• Eligibility:

  • UK resident, 21+

  • Good credit score

• Required Documents:

  • Proof of identity & UK address

  • Employment or income verification

• Benefits:

  • No foreign transaction fees

  • 0.25% cashback on spending

  • Free access to your credit score

🥉 3. Halifax Clarity Credit Card

• Best for: Travel & Overseas Spending

• Eligibility:

  • UK resident, 18+

  • Good to excellent credit history

• Required Documents:

  • Valid photo ID

  • Proof of income & UK address

• Benefits:

  • No fees on foreign spending

  • Good exchange rates

  • Mobile app for tracking

💸 4. Santander All in One Credit Card

• Best for: Flat Cashback + Travel

• Eligibility:

  • UK resident, 18+

  • Annual income £10,500+

• Required Documents:

  • ID + proof of address

  • Bank statements or payslips

• Benefits:

  • 0.5% cashback on all spending

  • No foreign transaction fees

  • Extra cashback at partner stores

  • Annual fee: £3/month

🧾 5. Tesco Bank Purchases Credit Card

• Best for: Everyday Shopping & Points

• Eligibility:

  • UK resident, 18+

  • Fair to good credit

• Required Documents:

  • Tesco Clubcard

  • Proof of income and address

• Benefits:

  • 0% interest on purchases up to 18 months

  • Earn Tesco Clubcard points on all spending

  • No annual fee

🔄 6. Sainsbury’s Bank Nectar Credit Card

• Best for: Nectar Points & Grocery Spend

• Eligibility:

  • UK resident, 18+

  • Sainsbury’s customer preferred

• Required Documents:

  • Proof of ID, income, and UK address

• Benefits:

  • Earn Nectar points on Sainsbury’s and Argos

  • 0% interest on purchases for up to 18 months

  • No annual fee

💰 7. NatWest Reward Credit Card

• Best for: Cashback & Utility Bills

• Eligibility:

  • UK resident, 18+

  • Income of £10,000+ per year

• Required Documents:

  • UK ID, address proof

  • Employment or benefit documents

• Benefits:

  • 1% cashback on supermarket shopping

  • 0.5% on fuel and utility bills

  • Fee: £24 annually

📉 8. MBNA Balance Transfer Credit Card

• Best for: Debt Consolidation

• Eligibility:

  • UK resident, 18+

  • Good credit history

• Required Documents:

  • Photo ID

  • Proof of UK address

• Benefits:

  • 0% balance transfer for up to 28 months

  • Small transfer fee (~2%)

  • Manage debts interest-free

📱 9. Zopa Credit Card

• Best for: Mobile App & Smart Controls

• Eligibility:

  • UK resident, 18+

  • Good credit score

• Required Documents:

  • Bank account

  • ID + income verification

• Benefits:

  • Custom spending controls

  • Real-time notifications

  • No foreign transaction fees

👨‍🎓 10. Aqua Classic Credit Card

• Best for: Building Credit (Low Score)

• Eligibility:

  • UK resident, 18+

  • Low or no credit history

• Required Documents:

  • Passport or licence

  • Proof of residence

• Benefits:

  • Credit limit reviews after 3 months

  • Free credit score access

  • Helps build/improve credit

✅ Summary Table