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The Best UK Credit Card

Although credit cards are used extensively in the US, you will find that this applies equally to credit cards in the UK. People the world over are finding that access to a credit card is indeed a benefit they prefer to keep, despite the negatives.

It is obviously important to apply for the best credit card in the UK for your purposes at the time you apply. For example, if you know you will have to carry a balance initially, until that pay rise comes through, then you want to apply for a card with a low monthly interest rate, rather than one which gives you points when you buy something. If you carry a balance then you may have no credit left on the credit card to purchase anything!

But it is really important for everyone to shop around for the best credit card deal when they need to. There are always numerous deals and options available, introductory offers, zero annual fees, etc, so whether you are in England or Japan, you need to do some research.

And so, here are some of the best UK credit cards:

1. Virgin credit cards

The  best feature of Virgin credit card is that it allows consumers to state which features they would prefer to have on their credit cards. That means they could have the chance of getting a 0% balance transfer rate for 9 months, or a fixed annual percentage rate of 15.9%, or rewards every time they use the card.

And these days, you can often choose the motif on your card. Personally the rates are more important than the design on the card, but that isn't so for everyone!

2. The Marbles credit card

Nowadays, this UK credit card is considered as the card with the best value and it takes pride in its customer service. They have a 24 hour customer service hotline. Plus, they also provide a regular monthly statement through online announcements.

It also has 0% stable balance transfer rate for 6 months from the start the account has been opened, but remember these offers do change frequently, as the credit card companies try to lure you to their bank!

3. Morgan Stanley Credit Card

This is considered as one of the best UK credit cards because it has 0% introductory rates for balance transfers good for 6 months. It also offers a fixed rate of 14.9%, and their 1% cashback is considered as one of the highest available in the UK market today.

4. The egg credit card

In UK, egg credit card is considered as one of the best credit card in the industry today. It also offers 0% introductory offer not only for balance transfers but also for ordinary purchases, and that is available all through out the 6-month period. Their annual percentage rate is also set to a standard rate of 14.9%.

Do remember that credit card offers change constantly, so make sure you keep an eye on the latest information. With all these 0% introductory rates, low APRs, and everything, these credit cards are definitely the best UK credit cards in the market today. Hence, for most UK consumers, shopping has never been this good.