Best credit cards in the UK, 2026
Independent comparisons of every major UK credit card — for businesses and individuals. Filter by reward type, fees, and card type to find your best match.
Showing 4 of 12 cards
Annual fee
£15/mo
APR
29.8% variable
FX fee
None
Welcome bonus
5,000 Yonder points
- 3x points on dining — best UK rate for restaurants
- No FX fees
- Access to exclusive events and restaurant bookings
- £15/month fee (£180/year effective)
- Limited availability — select UK cities only
- Points can only be redeemed through Yonder
Annual fee
£12/mo
APR
N/A (not a credit card)
FX fee
N/A
Welcome bonus
25,000 Avios (account switchers) or 2,500 Avios (existing customers)
- Passive Avios earning — 1,500/month with no spend required
- 25,000 Avios welcome bonus for account switchers
- Annual bonus: 7,000 Avios or BA upgrade voucher
- Not a credit card — banking rewards programme
- Requires £75k income or £100k savings for Premier
- £12/month fee (£144/year)
Annual fee
£290/yr
APR
24.9% variable
FX fee
2.99%
Welcome bonus
60,000 reward points
- 60k welcome bonus — one of the best in the UK
- Unlimited Priority Pass lounge access
- Transfer to 5 major airlines inc. BA and Emirates
- £290 annual fee
- 2.99% FX fee despite foreign earn bonus
- Requires HSBC Premier (£100k income or investments)
Annual fee
Free
APR
24.9% variable
FX fee
2.99%
Welcome bonus
20,000 reward points
- No annual fee — free to hold
- Same airline transfer partners as World Elite
- 20k welcome bonus for just £2k spend
- 2.99% FX fee eats into foreign spend value
- Pay-per-visit lounge access (£24/visit)
- Requires HSBC Premier eligibility
Frequently asked questions about UK credit cards
What is the best business credit card in the UK?▼
The best UK business credit card depends on your spend pattern. For cashback, the Funding Circle Cashback Card offers 1% uncapped with no fees. For Avios, the BA Amex Accelerating earns 1.5 Avios per £1. For high spenders, the Amex Gold Business gives 2x on travel.
Which UK business credit card has no annual fee?▼
Capital on Tap, Funding Circle Cashback, Barclaycard Select Cashback, Revolut Business, and the Amex Basic Business Card all have no annual fee. Capital on Tap and Funding Circle also charge no foreign transaction fees.
What is the best credit card for earning Avios?▼
The BA Amex Accelerating Business Card earns 1.5 Avios per £1 with a 30,000 Avios welcome bonus — the highest direct BA earn rate. The Amex Gold Business earns transferable Membership Rewards that convert 1:1 to Avios.
Which business credit card has no foreign transaction fees?▼
Capital on Tap, Funding Circle Cashback, Revolut Business, and all Amex business cards (Gold, Platinum, Basic) charge no foreign transaction fees. Barclaycard Select Cashback and HSBC cards charge 2.99%.
What credit limit can I get on a business credit card?▼
Credit limits vary by card and your business profile. Capital on Tap and Funding Circle offer limits up to £250,000. Most other cards assess limits individually based on turnover, credit history, and time trading.
Is a business credit card worth it for a sole trader?▼
Yes, if you choose the right card. The BA Amex Accelerating is one of the few premium business cards open to sole traders. Capital on Tap and Funding Circle also accept sole traders and offer cashback with no annual fee.
How do I compare credit card rewards fairly?▼
Compare the effective value per £1 spent. Cashback is straightforward — 1% means 1p per £1. For points, check transfer ratios: Amex Membership Rewards transfer 1:1 to Avios, so 1 point per £1 ≈ 1 Avios per £1.
Can I get a business credit card with bad credit?▼
Options are limited but not impossible. Capital on Tap uses a soft credit check for initial eligibility and considers business performance, not just personal credit. Prepaid alternatives like Revolut Business don't require a credit check.
Our methodology
QuidClever compares UK credit cards using publicly available data from card issuers. We assess annual fees, earn rates, welcome bonuses, FX fees, and real-world acceptance. We are independent and do not accept payment for rankings. Cards are updated quarterly and last reviewed in March 2026.