When it comes to credit cards, there is a wide variety of cards available for you to choose from. Different kinds of cards cater to different needs of the user.
Some of these card types include business credit cards, cashback rewards cards, credit-building cards, travel cards, and more.
Here are the 10 most requested credit cards in the UK.
1. Most Requested All-Round Credit Card – NatWest Purchase & Balance Transfer Card
With one of the longest zero-interest periods anywhere in the UK, the NatWest Purchase & Balance Transfer Card is the best all-around credit card.
The card offers 23 months of 0% interest for both purchases and balance transfers. After almost two years of zero interest, users are then treated to one of the lowest purchase interest rates at a variable 23.9% APR.
Cardholders are also treated to zero annual fees. The card is one of the most flexible in terms of usage and while it does not have a monthly maintenance fee, you are still required to pay a 2.99% balance transfer fee.
2. Most Requested Student Credit Card – HSBC Student Credit Card
Students or parents who want their children to have a credit card for emergencies opt for the HSBC Student Credit Card. Students who do not have any credit history can always sign up for this card.
Applicants don’t need to present any credit score and the card starts with a manageable credit limit of £250. The card also features a very low APR of 18.9%.
To apply for the card, you must be a student enrolled in a university course that lasts more than 2 years. This easy-to-get credit card makes the most requested credit card in the UK for students.
3. Most Requested Business Credit Card – Barclaycard Select Cashback Credit Card
One of the most requested business credit cards in the UK is the Barclaycard Select Cashback Credit Card.
Those who are looking for a business credit card that earns rewards that have a turnover of at least £10,000 tend to go with this card. It has zero annual fees and a very affordable variable APR of 25.3%.
Cardholders can also get unlimited 1% cashback on all business spending and free access to the accounting software FreshBooks. Users can also earn up to £85 in cash back on their first three statements.
With so many business credit cards that offer different perks, the Barclaycard Select Cashback Credit Card offers the best features for business owners.
4. Most Requested Low APR Credit Card – Tesco Bank Low APR Credit Card
Low APR credit cards are often the most requested credit cards. They offer very low-interest rates so you can get the most value out of your credit card without paying a lot of fees. Many cardholders often go with low-APR credit cards to save money.
The Tesco Bank Low APR credit card is the most requested low APR credit card in the UK. The card has a 10.9% variable APR which is one of the lowest out of any credit card providers.
Not only that, you can use it in all Tesco stores and fuel stations across the country. Cardholders even get to earn 4 additional points for every £4 spent on top of the points that you earn from purchases.
5. Most Requested 0% Balance Transfer Credit Card – NatWest Longer Balance Transfer Card
With a 30-month interest-free period, the NatWest Longer Balance Transfer Card is one of the most requested balance transfer credit cards in the UK.
After the interest-free period, cardholders will incur an affordable 2.99% transfer fee unlike many other balance transfer cards out there.
Applicants will also get a 3-month interest-free period on purchases from account opening.
6. Most Requested Money Transfer Credit Card – MBNA Money Transfer Credit Card
When it comes to the most requested money transfer credit card, the MBNA Money Transfer Credit Card offers one of the longest interest-free periods of up to 14 months depending on your creditworthiness.
Cardholders are treated to a 0% transfer fee for the first 60 days of using the card.
The card also comes with a 22.9% APR which an affordable rate that can help people pay off their debts more quickly.
7. Most Requested Reward Credit Card – American Express Preferred Rewards Gold Credit Card
With the American Express Preferred Rewards Gold credit card, cardholders receive tons of reward points from using the card for different purchases.
You’ll also receive travel and accident insurance which is accepted in many establishments in and out of the country.
The annual fee is free for the first year and will then revert to £160 after that. Apart from that, you’ll receive 20,000 points after spending £3,000 in a year, complimentary airport lounge access, and an affordable variable rate of 29.4%.
8. Most Requested Cashback Credit Card – American Express Platinum Cashback Everyday Credit Card
American Express is one of the most popular credit card providers in the UK and the American Express Platinum Cashback Everyday Credit Card is one of their most requested cards for a reason.
With its 5% cash back on purchases and 1% on every other transaction, cardholders can redeem rewards from cashback. The card also offers discounts on selected travel and retail partners.
With zero annual fees and a variable APR of 28.8%, it is one of the most affordable and rewarding cards for millions of people to use.
9. Most Requested Credit-Building Card – Tesco Foundation Credit Card
A lot of people want to own a credit card to build their credit score and one of the best and most requested cards to build your credit is the Tesco Foundation credit card.
Designed for customers that have a less-than-ideal credit score, this Tesco card offers zero account fees while also letting you recover your good credit standing.
As you build your credit, you also earn Tesco Clubcard points as you use your card for day-to-day spending. Cardholders get a variable APR starting at 29.9%.
10. Most Requested Travel Credit Card – Halifax Clarity
Credit cards are commonly used when traveling so that you don’t have to convert your cash to local currency. This is why travel credit cards are always used not only for booking flights but also while you’re on vacation.
With a variable APR of 22.9%, the Halifax Clarity card allows you to purchase anything without any fees.
You can even use the card to withdraw local currency with zero foreign transaction fees, which is why it is one of the most requested travel credit cards in the UK.
Whether you want to travel around the world or you want to pay off your debt, credit cards are often requested for such use. The cards on this list are the top contenders in the UK for cards with a wide range of perks so consider them today for whatever credit card need you have.
Disclaimer: All credit products carry risk. Make sure to read the card’s terms and conditions when applying to understand these risks.