Picking the right card for you is important (Picture: Getty Images)
We all need a little extra financial help once in a while, but we still need to make informed decisions when it comes to choosing our credit cards.
It’s easy to get tied up with credit card providers that don’t have good customer service records or that have catches in the fine print.
But now Money.co.uk has worked out an average score out of 5 to reveal the UK’s best-reviewed credit card providers and best reviewed credit cards.
After all, why would you borrow from anywhere other than the best? Here are their top picks.
Credit Card Providers
First Direct
First by name and nature is First Direct, which scores 4.3 on Trustpilot and 78% with Which?.
This gives it an overall – and highest – score of 4.10.
Part of the HSBC group, First Direct was one of the first banks to offer 24/7 service to its customers back in 1989.
Today its reputation for great service clearly holds up, regularly topping customer service awards and surveys.
Credit card borrowing rates are at the highest they’ve been (Picture: Getty Images)
John Lewis Finance
In second is John Lewis Finance, which offers the John Lewis Partnership Credit Card.
This allows you to earn cashback when shopping at both the store itself and at Waitrose, scoring 4.2 out of 5 with Trustpilot and 75% with Which?.
It has an overall score of 3.98 out of 5.
This credit card allows you to earn five points for every £4 you spend at the two stores, or one point for every £4 spent elsewhere.
However, it’s worth noting that the card is currently being relaunched with NewDay, having previously been partnered with HSBC.
Tesco Bank
Tesco Bank is run by the supermarket of the same name and comes in third place with scores of 4.0 with Trustpilot and 73% with Which?.
They offer a wide range of credit card deals including balance transfer, purchase, credit building and all-round credit cards.
This leaves them with an overall score of 3.83 our of 5.
Tesco Bank has been praised for its low foreign transaction fees, customer service and easy-to-use mobile app. What’s more, you can also earn Tesco Clubcard points, even if you’re shopping elsewhere.
Are you considering getting a credit card (Picture: Getty Images)
Credit Cards
Tesco Bank Clubcard Credit Card
Three very similar credit cards are tied in first position, each coming from Tesco Bank with an average score of 4.59 out of 5.
They’re all variations on Tesco’s Clubcard Credit Card and each scored 4.17 with Smart Money People and a perfect 5 stars on Defaqto.
The first is Tesco’s 20/20 Balance Transfer and Purchases credit card which gives you 0% interest on both balance transfers and purchases for 20 months.
It’s joined by the supermarket’s standard purchase credit card and All Round 15 Months credit card, which as the name suggests, offers a 15-month interest-free period.
M&S Bank Reward Card
Following the trio of Tesco Bank credit cards in first place is the M&S Bank Reward credit card, which scores 3.38 with Smart Money People and 5 out of 5 with Defaqto.
Obviously, this card is ideal for anyone who shops at M&S, but even if you only pop in now and then, it’s still a good credit card to have.
It offers 0% interest on new purchases and balance transfers for 12 months and you can boost your rewards by using it alongside a Sparks card at M&S.
Sometimes a credit card is necessary (Picture: Getty Images/EyeEm)
Nationwide Member Credit Card
Completing the top 5 is Nationwide’s Member Credit Card, which scores 4.24 on Smart Money People and 4 out of 5 with Defaqto.
Nationwide’s member credit card comes with a choice of 0% offers and also allows you to make unlimited commission-free purchases when overseas.
This makes it a great option if you’re a frequent traveller.
You can choose from the Balance Transfer credit card which gives 0% on transfers for 18 months, or the All Rounder offer, which gives 0% on transfers and purchases for 15 months.
If you want more tips and tricks on saving money, as well as chat about cash and alerts on deals and discounts, join our Facebook Group, Money Pot.
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Borrow from the best.
