Credit Cards & Loans
Guides and tools to help you get the best credit card or loan
Balance Transfer Credit Cards - Shift existing card debt to 0% interest for up to 29mths
Best 0% credit cards
Credit Card Eligibility Calculator
Loans Eligibility Calculator
Travel Credit Cards
Coronavirus Finance & Bills Help
Credit card rewards
Warning! Don’t use PayPal to pay on a credit card
Credit Cards Help to pick the best credit cards for you
Best 0% Credit Cards - If you need to borrow, credit cards can be the cheapest way
0% Balance Transfer & Spending Cards - Good for new spending AND cutting the cost of existing debt
Popular Guides
- Credit card rewards
Earn cashback, points & more
- Money Transfer Credit Cards
Shift cash from a card to your bank account at 0% interest
- Travel Credit Cards
One of the cheapest ways to spend abroad
Loans How to get the cheapest loan
Popular Guides
- Debt problems
What to do & where to get help
- Cut existing loan costs
Free calculator shows if you'll save by switching loans
- Credit Unions
Local community savings and loans
Your Credit Score
& Debt Help Support and tips if you've debts
Popular Guides
- Credit cards for bad credit
Top cards for rebuilding your credit score
- Debt problems
What to do & where to get help
- Debt Management Solutions
Options including IVA, DROs and bankruptcy
Credit Cards & Loans Reclaiming How to max your reclaim
PPI: Can I still reclaim? - The reclaim deadline has now passed, but there may be some exceptions
Popular Guides
- Section 75 refunds
Free protection for credit card spending on items over £100
- Visa, Mastercard & Amex Chargeback
Little-known card purchase protection which can get £1,000s back
- Student Loan Overpayments
Are you due a refund?
In this cards and loans section we guide you through the different types of credit cards and loans and the best products available. As there are so many, it's important you find the right one for your needs, whether you want to transfer an existing credit or store card balance you're paying interest on to another card at 0%, borrow at 0% interest, improve your credit rating, earn cashback or reward points for doing your everyday spending, or spend money abroad.
If you're unsure which cards you'll be accepted for, our Credit Card Eligibility Calculator uses a 'soft search' to show you your likelihood of being accepted for most of the best credit cards.
If you're looking for a loan for a planned purchase or to cut your existing loan costs, we also have a range of guides to help inform your decision. Our Cheap Personal Loans guide details the personal loan best buys, but also addresses whether other finance options – such as credit cards – might be cheaper. You can also use our handy Loans Eligibility Calculator to find which unsecured loans you're most likely to be accepted for – while protecting your credit score.
If you're looking for help handling debt we also have Debt Solutions and Debt Help guides packed with important information and debt-fighting solutions.