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Online Credit Cards

Many banks reserve their best deals for cards taken out online, and some of the cards on our pages such as Fluid, Capital One and MBNA don’t have high street banks and are available exclusively online.

Online credit card companies often have lower overheads than their high-street competitors and are often able to offer great rates.

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Capital One Classic Mastercard
no 0% intro
34.9% interest 3.00% no 0% intro
34.9% interest

no rewards

 34.9%
APR
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Card info Card rating

Capital One will consider applicants with a history of CCJs or defaults

Representative example: If you spend £1,200 at a purchase rate of 34.94% (variable) your Representative APR will be 34.9% (variable)

This details the cost of borrowing with this card after any introductory 0% deals have ended.

The representative APR is offered to at least 51% of customers accepted, and takes into account the annual interest rate charged on purchases and any annual fees.

The £1,200 spend is used as an example.

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  • Defaqto 3 stars
  • This credit card has a 3 Star Rating from independent financial research company, Defaqto, for its level of features and benefits. Tell me more

More details
MBNA Everyday Credit Card
18 months
0.0% interest 1.99% 8 months
0.0% interest

no rewards

 12.9%
APR
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Card info Card rating

A credit card designed for all your everyday spending

Representative example: If you spend £1,200 at a purchase rate of 12.9% (variable) your Representative APR will be 12.9% (variable)

This details the cost of borrowing with this card after any introductory 0% deals have ended.

The representative APR is offered to at least 51% of customers accepted, and takes into account the annual interest rate charged on purchases and any annual fees.

The £1,200 spend is used as an example.

Help

  • Defaqto 4 stars
  • This credit card has a 4 Star Rating from independent financial research company, Defaqto, for its level of features and benefits. Tell me more

More details
fluid Low Fee
15 months
0.0% interest 1.50% 5 months
0.0% interest

no rewards

 15.9%
APR
Apply
Card info Card rating

Benefit from a low handling fee of only 1.5% when you transfer your balance

Representative example: If you spend £1,200 at a purchase rate of 15.9% (variable) your Representative APR will be 15.9% (variable)

This details the cost of borrowing with this card after any introductory 0% deals have ended.

The representative APR is offered to at least 51% of customers accepted, and takes into account the annual interest rate charged on purchases and any annual fees.

The £1,200 spend is used as an example.

Help

  • Defaqto 4 stars
  • This credit card has a 4 Star Rating from independent financial research company, Defaqto, for its level of features and benefits. Tell me more

More details
Double Points on Fuel AA Rewards
12 months
0.0% interest 3.00% 10 months
0.0% interest

Rewards points

 16.9%
APR
Apply
Card info Card rating

Earn Rewards Points towards cash back, shopping vouchers and more

Representative example: If you spend £1,200 at a purchase rate of 16.9% (variable) your Representative APR will be 16.9% (variable)

This details the cost of borrowing with this card after any introductory 0% deals have ended.

The representative APR is offered to at least 51% of customers accepted, and takes into account the annual interest rate charged on purchases and any annual fees.

The £1,200 spend is used as an example.

Help

  • Defaqto 4 stars
  • This credit card has a 4 Star Rating from independent financial research company, Defaqto, for its level of features and benefits. Tell me more

More details
American Express Platinum Cashback
no 0% intro
14.0% interest 3.00% 0 months
14.0% interest

Uncapped cashback

 18.7%
APR
Apply
Card info Card rating

Receive 5% cashback, up to £100 in the first 3 months

Representative example: If you spend £1,200 at an interest rate of 14.0% (variable) with a £25 annual fee your Representative APR will be 18.7% (variable)

This details the cost of borrowing with this card after any introductory 0% deals have ended.

The representative APR is offered to at least 51% of customers accepted, and takes into account the annual interest rate charged on purchases and any annual fees.

The £1,200 spend is used as an example.

Help

  • Defaqto 3 stars
  • This credit card has a 3 Star Rating from independent financial research company, Defaqto, for its level of features and benefits. Tell me more

More details
Market leading Barclaycard Platinum
27 months
0.0% interest 3.50% 6 months
0.0% interest

no rewards

 18.9%
APR
Apply
Card info Card rating

★ The longest interest free balance transfer period available in the UK ★

Representative example: If you spend £1,200 at a purchase rate of 18.9% (variable) your Representative APR will be 18.9% (variable)

This details the cost of borrowing with this card after any introductory 0% deals have ended.

The representative APR is offered to at least 51% of customers accepted, and takes into account the annual interest rate charged on purchases and any annual fees.

The £1,200 spend is used as an example.

Help

  • 5 Star Rating
  • This credit card has a 5 Star Rating from independent financial research company, Defaqto, for its level of features and benefits. Tell me more

More details
aqua Classic - 29.7%
no 0% intro
29.7% interest 3.00% no 0% intro
29.7% interest

no rewards

 29.7%
APR
Apply
Card info Card rating

Available to applicants with CCJs or a low income- get a response in 60 seconds

Representative example: If you spend £1,000 at an annual interest rate of 29.73% (variable) your Representative APR will be 29.7% (variable).

This details the cost of borrowing with this card after any introductory 0% deals have ended.

The representative APR is offered to at least 51% of customers accepted, and takes into account the annual interest rate charged on purchases and any annual fees.

The £1,200 spend is used as an example.

Help

  • Defaqto 1 stars
  • This credit card has a 1 Star Rating from independent financial research company, Defaqto, for its level of features and benefits. Tell me more

More details
Sainsbury's Cashback Low Rate Credit Card
0 months
7.8% interest 0.00% 0 months
7.8% interest

cashback

 7.8%
APR
Apply
Card info Card rating

Earn 5% cashback up to £50 per month on Sainsbury's shopping for the first 3 months

Representative example: If you spend £1,200 at an annual interest rate of 7.84% (variable) your Representative APR will be 7.8% (variable).

This details the cost of borrowing with this card after any introductory 0% deals have ended.

The representative APR is offered to at least 51% of customers accepted, and takes into account the annual interest rate charged on purchases and any annual fees.

The £1,200 spend is used as an example.

Help

  • Defaqto 4 stars
  • This credit card has a 4 Star Rating from independent financial research company, Defaqto, for its level of features and benefits. Tell me more

More details
Sainsbury’s Nectar Low Rate
0 months
7.8% interest 0.00% 0 months
7.8% interest

Nectar points

 7.8%
APR
Apply
Card info Card rating

One low rate on transfers & purchases, plus earn Nectar points

Representative example: If you spend £1,200 at an annual interest rate of 7.84% (variable) your Representative APR will be 7.8% (variable).

This details the cost of borrowing with this card after any introductory 0% deals have ended.

The representative APR is offered to at least 51% of customers accepted, and takes into account the annual interest rate charged on purchases and any annual fees.

The £1,200 spend is used as an example.

Help

  • 5 Star Rating
  • This credit card has a 5 Star Rating from independent financial research company, Defaqto, for its level of features and benefits. Tell me more

More details
Barclaycard Platinum Simplicity
no 0% intro
7.9% interest 0.00% 0 months
7.9% interest

no rewards

 7.9%
APR
Apply
Card info Card rating

Barclaycard's lowest Representative APR, plus no balance transfer fee

Representative example: If you spend £1,200 at a purchase rate of 7.9% (variable) your Representative APR will be 7.9% (variable)

This details the cost of borrowing with this card after any introductory 0% deals have ended.

The representative APR is offered to at least 51% of customers accepted, and takes into account the annual interest rate charged on purchases and any annual fees.

The £1,200 spend is used as an example.

Help

  • 5 Star Rating
  • This credit card has a 5 Star Rating from independent financial research company, Defaqto, for its level of features and benefits. Tell me more

More details

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Balance Transfer Credit Cards: Help, Tips & Providers

About online credit cards

What is an online credit card?

An online credit card is a card from a provider that doesn't have a branch on your high street. You use your card in the normal way and use the internet to manage your account, check your balance and make payments. Online credit cards can save you the time and hassle of going to a branch, sending a form or even calling your provider every time you need to make a payment or change your details. What's more, you can manage your account any time, day or night.

Can everyone get an online credit card?

Online cards come in all shapes and sizes, from balance transfer credit cards to rewards cards and credit building cards. Some cards are aimed at customers with a certain credit rating, income or residential status, so you should check the card you want carefully to see whether the card is right for you. If you're not sure whether you're likely to be accepted, you can try our free Card Matcher tool to check how likely you are to be accepted for all the credit cards on our panel.

Which providers offer online credit cards?

Many credit card providers now offer the facility to manage your account online, but some credit cards available exclusively online are provided by MBNA, Fluid, Capital One and American Express.