Top10creditcards is a free online resource meant to help users find the information they need in order to make a confident decision. We spend countless hours of research to find the most relevant content and present it in the most accessible way. However, please don’t view the information presented here as a recommendation from our end.
Please note:
FCA-regulated
Essential – Free
Mastercard® prepaid debit card
Cash top-up £2.00 + 2.6%
Premium – £4.97/m
Mastercard® debit card
Cash top-up £0.99 + 2.6%
Premium – £9.97/m
Mastercard® debit card
Cash top-up £0.5 + 2.6%
FCA-regulated
Essential – £0/year
0.5% FX rate for 180 currencies
Premium – £25/year
0% FX rate for 180 currencies, premium travel offers
Elite – £120/year
Car hire benefits, luxury hotels & resorts, 24/7 travel concierge
FCA-regulated
Anna virtual card – Free
Virtual business debit for online purchases
Business – £14.90 + VAT/m
For Small-medium business
Big business – £49.90 + VAT/m
For big business
FCA-regulated
Monzo Account – Free
Spend, save and manage your money
Monzo Plus – £5/m
Get interest on your money
Monzo Premium – £15/m
Extensive phone and worldwide travel insurance
FCA-regulated
Visa Debit Card
Free account
Easy to split, track and settle up expenses
UK-based customer support
9.8
Fee-free plan available
9.5
£25/year
9.1
Fee-free plan available
8.8
Fee-free plan available
8.5
Fee-free plan available
Numerous cards offer enticing incentives, such as a bonus of £10 or more upon opening an account or meeting a specific spending threshold within the initial months. Alternatively, some cards provide reward points or miles that can be redeemed for various benefits, including travel, gift cards, merchandise, and other exciting options.
The concept of cash-back on spending has gained immense popularity. With certain cards, you can earn a percentage (X%) back on your purchases, effectively receiving a refund or credit for a portion of the amount spent.
Cards that offer reward points typically allocate these points based on spending in specific categories. As you make purchases within these designated categories, you accumulate points. Once you reach a certain threshold of earnings, you can redeem these points for various rewards. These rewards often include travel options, gift cards from a range of retailers and restaurants, as well as a selection of merchandise items.
Travel expenses can be redeemed for points or miles earned with every purchase, in addition to enjoying benefits such as discounts on accommodations, minimal or zero booking fees, access to airport lounges worldwide, and more.