- 0.25% Everything else
- Annual fee
- £0
- Purchase APR
- 14.94% p.a. (variable)
- Welcome offer
- 1% cashback on all card purchases you make in the first year from account opening.
Verified 12 Sept 2026
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.
15 cards in United Kingdom
Showing 1–15
- 0.25% Everything else
- Annual fee
- £0
- Purchase APR
- 27.9% p.a. (variable)
- Welcome offer
- 1% cashback on spending for the first 90 days from account opening. 0.25% cashback af
Verified 12 Sept 2026
- 0.50% Groceries
- 0.30% Everything else
- Annual fee
- £0
- Purchase APR
- 18.2% p.a. (variable)
Verified 12 Sept 2026
- 3% Gas & fuel
- 3% Transport & transit
- 3% Dining & restaurants
- Annual fee
- £0
- Purchase APR
- 24.9% p.a. (variable)
- Welcome offer
- New to Santander? Get up to £40 in Uber vouchers. T&Cs apply.
Verified 12 Sept 2026
- 1% Online shopping
- 0.50% Everything else
- Annual fee
- £0
- Purchase APR
- 28.9% p.a. (variable)
- Welcome offer
- Get a £20 Amazon Gift Card if we approve you for the Amazon Barclaycard. Plus get an extra £10 Amazon Gift Card after you activate your card in the Barclays or Barclaycard app.
Verified 12 Sept 2026
- 0.25% Everything else
- Annual fee
- £0
- Purchase APR
- 28.9% p.a. (variable)
Verified 12 Sept 2026
- 0.50% Everything else
- Annual fee
- £36
- Purchase APR
- 23.9% p.a. (variable)
Verified 12 Sept 2026
- 0.50% Everything else
- Annual fee
- £180
- Purchase APR
- 18.9% p.a. (variable)
Verified 12 Sept 2026
- 0.50% Everything else
- Annual fee
- £180
- Purchase APR
- 22.94% p.a. (variable)
Verified 12 Sept 2026
- Annual fee
- £0
- Purchase APR
- Representative 23.9% APR (variable)
Verified 12 Sept 2026
- Annual fee
- £0
- Purchase APR
- 17.44% (variable)
Verified 12 Sept 2026
- Annual fee
- £0
- Purchase APR
- 29.1% p.a. (variable)
- Welcome offer
- Earn a £100 statement credit when you spend £2,000 in the first three months of Cardmembership. Terms apply, 18+, subject to status.
Verified 12 Sept 2026
- 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
- 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
- Annual fee
- £180
- Purchase APR
- 22.94% p.a. (variable)
Verified 12 Sept 2026
For issuers and partners
Start a conversationWant your card seen here?
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.
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.