1.Barclaycard Platinum
Barclaycard
- No rewards breakdown available
Earn a £20 cashback bonus when spending £1,000 within 90 days of opening the account.
N/A
24.9% Variable APR
Barclaycard Platinum stands out as the top choice because it offers long 0% interest periods on both purchases and balance transfers, making it ideal for those looking to manage their debt without incurring interest.
Pros:
- Long 0% interest periods on purchases and balance transfers
- No annual fee
Cons:
- Limited ongoing rewards
- Balance transfer fees apply
2.Virgin Money Credit Card
Virgin Money
- 0.75%Virgin Points for every £1 spent on everyday purchases
Earn 3,000 bonus points with your first card purchase, made within 90 days of taking out the card.
Earn 0.75 Virgin Points for every £1 spent on everyday purchases.
26.9% Variable APR
What sets the Virgin Money Credit Card apart is its ability to earn Virgin Points on everyday purchases, making it a great option for loyal Virgin customers looking to maximize their rewards.
Pros:
- Earn Virgin Points on everyday spending
- No annual fee
Cons:
- Higher APR compared to some competitors
- Limited bonus points for lower spending
3.Tesco Bank All Round
Tesco Bank
- 1%Clubcard points for every £4 spent in Tesco
- 1%Clubcard points for every £8 spent elsewhere
N/A
Earn 1 point for every £4 spent in Tesco and 1 point for every £8 spent elsewhere.
24.9% Variable APR
The standout feature here is the ability to earn Clubcard points on everyday spending, combined with a generous 0% interest period on balance transfers and purchases, making it a versatile choice for Tesco shoppers.
Pros:
- 0% interest on balance transfers and purchases for 14 months
- Earn Clubcard points on spending
Cons:
- Limited rewards outside Tesco
- Balance transfer fees apply
4.Lloyds Ultra
Lloyds
- 1%Cashback on all purchases for the first year
- 0.25%Cashback on all purchases after the first year
Earn 1% cashback on all card purchases for the first year.
1% cashback on all purchases for the first year, then 0.25%.
12.9% Variable APR
This card shines for its straightforward cashback rewards, offering 1% on all purchases for the first year, making it an attractive option for those looking to earn rewards without an annual fee.
Pros:
- 1% cashback on all purchases for the first year
- No foreign exchange fees
Cons:
- Lower cashback rate after the first year
- Requires direct debits to qualify for benefits
5.American Express Platinum Cashback Everyday
American Express
- 5%Cashback on purchases in the first five months
- 0.5%Ongoing cashback on spending up to £10,000
- 1%Cashback on spending beyond £10,000
Get 5% cashback on purchases for the first five months, capped at £125.
Ongoing 0.5% cashback on additional spending up to £10,000, then 1% beyond that.
29.1% Variable APR
The American Express Platinum Cashback Everyday Card is the best option for those looking to maximize their cashback rewards, especially with its generous 5% cashback offer for the first five months.
Pros:
- High initial cashback rate
- No annual fee
Cons:
- High APR
- Minimum spend required for bonus
Final Words
As you consider the best credit cards for good credit this April 2026, remember that evaluating features like cashback, interest rates, and rewards can greatly impact your financial decisions. Take time to compare your options to ensure you choose the card that best fits your needs and maximizes your benefits.
Frequently Asked Questions
Earn a £20 cashback bonus when spending £1,000 within 90 days of opening the account.
Earn 0.75 Virgin Points for every £1 spent on everyday purchases.
No, the Tesco Bank All Round credit card does not offer a welcome bonus.
To be eligible for most credit cards, you typically need to be at least 18 years old, a UK resident, and have a good credit score. Lenders may also consider your income and existing debts during the application process.
Many of the best credit cards for good credit, such as the Barclaycard Platinum, Virgin Money Credit Card, and Tesco Bank All Round, have no annual fees. This makes them an attractive option for users looking to save on costs while earning rewards.
To effectively compare credit cards, consider factors such as the annual fee, APR, welcome bonuses, rewards rates, and additional benefits. Use comparison websites and tools to help you evaluate multiple options side by side.
The application process for a credit card usually involves filling out an online form with your personal details, financial information, and consent for a credit check. After submission, you may receive an instant decision or be notified later about your application status.
