The Best Credit Cards in the UK to Start With

Having a credit card comes with so many advantages. These range from earning rewards, points to cash back, and the list goes on. The question most people have is to discern which credit card is perfect for them. We might have a few tips for you regarding the best credit cards in the UK to start with.

Are you looking to apply for a credit card but at a crossroads as to which one to choose? Or are you the kind who is completely green and looking for inspiration. If that is you, then you have come to the right place.


We have done the hard part for you and identified some of the best UK cards, to start out your credit journey with. These cards are best in different categories like balance transfer, 0% purchases, cashback, travel, rewards, and so much more. Read along with me.

American Express Platinum Cash Back

This is a great everyday credit card if you want to earn some cash back. We all know cash back rewards are not easy to come by, but if that is what you are looking for in a credit card, then this card will do you justice.


If you are able to spend at least £5,001, then be sure to get at least 15% cashback. As a new cardholder, you will also get 5% cashback as a bonus within your first three months, which goes up to £100.

American Express Rewards Credit Card

This is another awesome credit card that gives you access to a reward scheme leaving out the price tag. Most first time users of the best credit cards in the UK tend to worry about annual fees, but this card has eliminated that, and you also start seeing the benefits of your rewards points for every £1 spent.

As a pro tip, this card is great if you are looking for ways how you can lower your APR as you build your credit. Furthermore, if you are eligible, you can get up to 5,000 bonus points after spending £2,000.


Aqua Advance Credit Card

If you have heard about credit cards from Aqua, then you were right. It is one of the best credit cards in the UK you can ever find on the market – for beginners more so if you are looking to rebuild your credit.

As a bonus, if you are using their Advance Card and pay on time, your APR will likely go down by 5% per year. Subsequently, this can bring your APR down to even 19.9%. As if that is not enough, there are no foreign transaction fees.

Virgin Money Travel Credit Card

There is always something that people look for in credit cards. Let me bring you up to speed; this Virgin Money credit card is ideal for individuals looking for 0% interest on rewards and purchases. There are no foreign transaction fees, which makes spending abroad easier and affordable.

Also, this card offers a 12-month interest-free introductory period for balance transfers and other purchases. It also comes with other discounts like on Virgin Holidays plus other cashback offers.

Sainsbury’s Dual Offer Credit Card

best credit cards in the UK

This is another great credit card for beginners, giving you the best of both worlds. As a cardholder, you will get a full 26-month period enjoying 0% interest on balance transfers and other purchases.

As it is with all other Sainsbury’s cards, as a cardholder, you will collect Nectar points, which you can use to spend at Sainsbury or elsewhere. This is coupled with other benefits that you will enjoy over time.

Bottom Line

Getting a credit card for the first time can be a bit challenging. That is why it is essential to first do due diligence before you apply for any. These are some of the best credit cards in the UK for starters. Also, its key to know exactly what you are looking for in a credit card to avoid last-minute disappointments.

Disclaimer: All credit products carry risk. Be aware of these risks by reading the associated terms and conditions.