1.Lloyds Bank Ultra Credit Card Visa
Lloyds Bank
- 1%Cashback on all purchases for the first year
- 0.25%Cashback on all purchases after the first year
1% cashback on all purchases for the first 12 months, then 0.25% thereafter.
Earn 1% cashback on all purchases for the first year, then 0.25% thereafter.
12.9% Variable APR
The Lloyds Bank Ultra Credit Card stands out as the top choice because it offers unlimited 1% cashback on all purchases for the first year, making it ideal for everyday spending without any annual fees.
Pros:
- No annual fee
- Unlimited cashback
Cons:
- Cashback drops after the first year
- Variable APR can be high
- 15%Cashback with Smart Rewards at select retailers
- 0%Standard cashback rate
Introductory 0% interest periods for purchases and balance transfers.
Earn up to 15% cashback with Smart Rewards at select retailers.
24.9% Variable APR
What sets the MBNA Limited Platinum Visa apart is its focus on introductory 0% interest periods for purchases and balance transfers, making it a solid choice for those looking to manage debt effectively.
Pros:
- 0% interest on balance transfers
- Flexible cashback options
Cons:
- Higher APR after promotional period
- Limited rewards structure
3.Amex Cashback Everyday Credit Card
American Express
- 5%Cashback on spending for the first 5 months
- 1%Cashback on spend over £10,000
5% cashback on spending for the first 5 months, capped at £125.
5% cashback on the first £2,500 spent in the first 5 months, then 0.5% on up to £10,000 annual spend.
29.4% Variable APR
The standout feature here is the generous 5% cashback on spending for the first 5 months, making the Amex Cashback Everyday Credit Card an excellent choice for those looking to maximize rewards on their initial purchases.
Pros:
- Strong introductory cashback rate
- No annual fee
Cons:
- Higher ongoing APR
- Requires minimum spend to earn base cashback
4.Barclaycard Platinum Purchase Credit Card
Barclaycard
- No rewards breakdown available
0% interest on purchases for up to 24 months.
N/A
24.9% Variable APR
This card shines for its long 0% interest period on purchases, making it a great option for those looking to finance larger purchases without incurring interest.
Pros:
- Long 0% interest period
- No annual fee
Cons:
- Limited rewards
- Balance transfer fee applies
5.Tesco All Round Credit Card
Tesco Bank
- No rewards breakdown available
0% interest on purchases and balance transfers for 14 months.
N/A
24.9% Variable APR
A key differentiator is the ability to earn Tesco Clubcard points on spending, making the Tesco All Round Credit Card a practical choice for regular Tesco shoppers looking to maximize their rewards.
Pros:
- 0% interest for 14 months
- Earn Clubcard points
Cons:
- No specific welcome bonus
- Standard APR after promotional period
Final Words
As you explore the best credit cards for good credit this January 2026, remember that comparing your options is essential to finding the right fit for your financial needs. Take time to evaluate benefits, fees, and rewards to make an informed decision that enhances your purchasing power and aligns with your lifestyle.
Frequently Asked Questions
The welcome bonus for the Lloyds Bank Ultra Credit Card Visa is 1% cashback on all purchases for the first 12 months, then 0.25% thereafter.
The MBNA Limited Platinum Visa offers introductory 0% interest periods for purchases and balance transfers. Additionally, you can earn up to 15% cashback with Smart Rewards at select retailers.
With the Amex Cashback Everyday Credit Card, you can earn 5% cashback on the first £2,500 spent in the first 5 months, then 0.5% on up to £10,000 annual spend.
Many of the top credit cards for good credit in the UK, like the Lloyds Bank Ultra Credit Card and the Amex Cashback Everyday Credit Card, have no annual fees. This makes them appealing options for users looking to maximize rewards without extra costs.
When choosing a credit card, consider factors such as reward rates, welcome bonuses, and any fees associated with the card. Evaluate your spending habits to find a card that offers the most benefits tailored to your lifestyle.
Cashback credit cards generally offer rewards in the form of a percentage of your spending returned to you. This can vary by card, with some offering higher percentages on specific categories or promotional periods.
The time it takes to receive the welcome bonus can vary by card issuer, but typically, bonuses are credited after meeting the required spending threshold, which may take one or two billing cycles. Always check the specific terms provided by your card issuer.
