Compare credit cards by what you actually spend

One catalog, every market we cover. Filter by country, card type, issuer and network, then upload a statement and let your own spending pick the card instead of a generic ranking.

Discover cards
Australia91Canada155Hong Kong20Japan15Singapore55United Arab Emirates37United Kingdom107United States205
All card typesCash back15Rewards44Travel & airline18No annual fee84Balance transfer36Low interest6Student2Business6
All issuersAIB (NI)American ExpressAquaBank of ScotlandBarclaycardCapital One UKCo-operative Bankfirst directFluidHalifaxHSBC UKJohn LewisLloyds BankM&S BankmarblesNationwideNatWestRoyal Bank of ScotlandSantander UKTesco BankTSBUlster BankVanquisVirgin Money
All networksAMEXMASTERCARDVISA
RecommendedLowest annual feeHighest annual feeCard name (A–Z)

107 cards in United Kingdom

Showing 73–96

British Airways American Express® Credit Card

American Express · AMEX

No ratings yetNot yet rated
Annual fee
£0
Purchase APR
29.1% p.a. (variable)
Welcome offer
Collect 10,000 bonus Avios when you spend £2,000 in your first three months of Cardmembership. Offer ends 6 th October 2026. Terms apply. 18+, subject to status. This new Cardmember offer is only available if you don’t currently have a personal American Express® Card, and haven’t had one in the last 24 months.
Verified 12 Sept 2026
ApplySee if it fits my spending
Full details

M&S Rewards Credit Card

M&S Bank · MASTERCARD

No ratings yetNot yet rated
Annual fee
£0
Purchase APR
23.9% p.a. (variable)
Welcome offer
Put a cherry on top with £40. Earn £40 in M&S vouchers with the M&S Rewards Credit Card. Just spend £150 across 2+ transactions at M&S in your first 3 months.
Verified 12 Sept 2026
ApplySee if it fits my spending
Full details

Amex® Cashback Everyday Credit Card

American Express · AMEX

No ratings yetNot yet rated
Annual fee
£0
Purchase APR
29.1% p.a. (variable)
Welcome offer
Get 5% cashback on your purchases (up to £125) for the first five months of Cardmembership. Terms and minimum spend apply. 18+, subject to status. This new Cardmember offer is only available if you don’t currently have a personal American Express® Card, and haven’t had one in the last 24 months.
Verified 12 Sept 2026
ApplySee if it fits my spending
Full details

Amex® Cashback Credit Card

American Express · AMEX

No ratings yetNot yet rated
Annual fee
£25
Purchase APR
29.1% p.a. (variable)
Welcome offer
Get 5% cashback on your purchases (up to £125) for the first three months of Cardmembership. Terms apply. 18+, subject to status. This new Cardmember offer is only available if you don’t currently have a personal American Express® Card, and haven’t had one in the last 24 months.
Verified 12 Sept 2026
ApplySee if it fits my spending
Full details

Nectar Credit Card

American Express · AMEX

No ratings yetNot yet rated
Annual fee
£30
Purchase APR
29.1% p.a. (variable)
Welcome offer
Earn 20,000 bonus Nectar points when you spend £2,000 in your first three months of Cardmembership. Terms apply. 18+, subject to status. This new Cardmember offer is only available if you don’t currently have a personal American Express® Card, and haven’t had one in the last 24 months.
Verified 12 Sept 2026
ApplySee if it fits my spending
Full details
For issuers and partners

Tell us what you would like to feature and we will send back what is available. Placements are labelled as sponsored and sit outside the ranked list, which no issuer can pay into.

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Common questions about comparing cards

How do I choose a credit card?

Choose a credit card by matching its highest reward rates to the categories you already spend most in, then subtracting the annual fee from the rewards you would realistically earn. A card paying 5% on dining is worth less than a flat 2% card if dining is a small share of your spending.

Can I compare credit cards from different countries?

Yes. Woodo keeps a separate catalog per country because credit cards are licensed and priced per market, so a card available in Singapore cannot be opened from the United States. Select a country to see the cards actually issued there.

Does comparing credit cards affect my credit score?

Comparing credit cards does not affect your credit score. Only submitting an application triggers a hard inquiry, and browsing or filtering a comparison page does not.

How does Woodo rank credit cards?

Woodo ranks credit cards by annual fee and reward coverage. No issuer can pay to move a card up the list. Most comparison sites work the other way: Bankrate and WalletHub both disclose that advertiser compensation affects the order in which cards appear in their listings.

Do credit card comparison sites get paid to rank cards higher?

Many do. Bankrate discloses that its compensation may impact the order in which products appear within listing categories, and WalletHub discloses that advertising affects the order and prevalence of offers. Woodo separates the two: the ranked list is ordered by stated consumer criteria only, and any paid placement appears in a slot labelled as sponsored, outside that list.

How current is the card data?

Every card shows the date its details were last verified against the issuer or network source. Cards whose data passes the staleness threshold stop displaying rates and fees rather than showing an outdated number.

Woodo currently tracks 685 cards. Each is re-verified against its issuer or network source on a monthly schedule.