UK Credit Cards are available to current residents of the United Kingdom, and offer a variety of options for individual credit needs, from those with excellent credit to those just building or rebuilding their credit histories.

Premium-level (Platinum and Gold) UK credit cards offer lower interest rates, generous credit limits, and reasonable fees. These cards may also offer card member benefits such as purchase protection, online account management, and fraud protection. Premium cards are generally available only to those with good to excellent credit.

UK credit cards marketed towards people building or rebuilding their credit offer competitive (but usually higher) interest rates, and can involve heftier fees and limitations. In spite of the higher costs, these cards may offer an excellent opportunity for those unable to qualify for a lower-rate card to enjoy the benefits of card ownership while rebuilding their credit.

Special interest cards are available to UK residents with all kinds of credit histories. From football enthusiasts to cat lovers, you can find a credit card perfect for you. Some enthusiast cards may even offer special discounts, rewards and offers uniquely suited to your special interests.

Before you apply - a few important factors to consider...

• Introductory rates are usually short-term offers, lasting anywhere from a couple of months to a full year. Introductory rates may apply only to new purchases, balance transfers, or if you're lucky, both. Be sure to note any special conditions or fees that may apply to these promotional rates. Also, be aware that the long-term rates shown generally apply only to new purchases; interest rates for balance transfers and cash advances may vary.
• Note whether the APR is variable or fixed. Most cards have variable rates, which means the rate can fluctuate regularly. Fixed-rates can also be raised when interest rates climb, but the changes will not occur regularly and require at least 15 days notice from the card issuer.
• Be aware of annual fees, balance transfer fees, foreign transaction fees, over-the-limit fees, late payment fees, and the myriad of other fees that may apply. Check with your issuer and carefully read the fine print of the offer to determine these numbers and avoid any unpleasant surprises!