1.Halifax Clarity Credit Card
Halifax
- No rewards breakdown available
Sometimes offers a £20 sign-up bonus for making a purchase within 90 days.
N/A
23.9% APR variable
What sets the Halifax Clarity Credit Card apart is its focus on travel, offering no foreign transaction fees and a straightforward fee structure. It's particularly beneficial for those who frequently spend abroad, making it a reliable choice for international travelers.
Pros:
- No foreign transaction fees
- Straightforward fee structure
Cons:
- Limited rewards
- Not ideal for domestic spending
2.Lloyds Bank Ultra Credit Card
Lloyds Bank
- 1%Cashback on all purchases in the first year
- 0.25%Cashback on all purchases thereafter
1% cashback on all purchases for the first year, dropping to 0.25% thereafter.
1% cashback on all purchases for the first year, dropping to 0.25% thereafter.
12.9% APR variable
The Lloyds Bank Ultra Credit Card stands out as the top choice because it offers a straightforward cashback structure with no fees, making it ideal for everyday spending. Its competitive APR and lack of foreign transaction fees enhance its appeal for frequent travelers.
Pros:
- Straightforward cashback structure
- No fees
Cons:
- Cashback drops significantly after the first year
- Limited rewards for international use
- No rewards breakdown available
Some promotions offering £20 back for qualifying transfers.
N/A
24.9% APR variable
The standout feature here is the long 0% interest period on both purchases and balance transfers, making it an attractive option for new customers looking to manage their finances effectively. This card is particularly beneficial for those planning significant purchases or transfers.
Pros:
- 0% interest on purchases for up to 24 months
- 0% interest on balance transfers for up to 21 months
Cons:
- 3.45% balance transfer fee
- Standard APR applies after promotional periods
- 15%Cashback via MBNA Smart Rewards on purchases
MBNA currently offers targeted welcome bonuses on select Balance Transfer cards, including £25 to £28 in cashback.
Some cards offer rewards like up to 15% cashback via MBNA Smart Rewards on purchases.
24-29% Variable APR
A key differentiator is the ability to earn cashback on new purchases while enjoying a 0% interest period on balance transfers, making it a practical choice for those looking to manage debt and earn rewards simultaneously.
Pros:
- Ability to earn cashback on new purchases
- 0% interest period on balance transfers
Cons:
- Higher APR range
- Limited rewards structure
Final Words
When choosing the best credit card for your fair credit this February 2026, it's crucial to compare options that align with your spending habits and financial goals. Take time to evaluate the features, fees, and rewards of each card to make an informed decision that best suits your needs.
Frequently Asked Questions
The Halifax Clarity Credit Card sometimes offers a £20 sign-up bonus for making a purchase within 90 days.
The Lloyds Bank Ultra Credit Card offers 1% cashback on all purchases for the first year, dropping to 0.25% thereafter.
No, the Barclaycard Platinum has an annual fee of £0, making it a cost-effective option for users.
Credit cards for fair credit often come with lower annual fees and provide opportunities to build or improve your credit score. They also typically offer rewards and cashback options, helping you earn as you spend.
Consider your spending habits, desired rewards, and any fees associated with the card. Compare features like welcome bonuses, APR, and cashback rates to find the card that suits your financial goals.
To apply for a credit card in the UK, you typically need to fill out an online application form providing personal and financial information. Approval often depends on your credit history and income level.
Some credit cards, like the Halifax Clarity Credit Card, have no foreign transaction fees, making them ideal for international use. Always check the card's terms before traveling to avoid unexpected charges.
