- No rewards breakdown available
0% interest on purchases for up to 24 months and 0% on balance transfers for up to 21 months (3.45% fee applies) from account opening.
0%-0%
24.9% Variable APR
The Barclaycard Platinum Visa stands out as the top choice because it offers an impressive 0% interest on purchases for up to 24 months and balance transfers for up to 21 months, making it ideal for those looking to manage their finances without incurring interest.
Pros:
- Long 0% interest period on purchases and balance transfers
- No annual fee
Cons:
- 3.45% balance transfer fee
- Promotional terms may vary
- 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
What sets the MBNA Balance Transfer Credit Card apart 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:
- No annual fee
- Ability to earn cashback on new purchases
Cons:
- Variable APR can be high
- Limited rewards structure
3.Barclaycard Rewards Travel Credit Card
Barclaycard
- 0.25%Cashback on eligible purchases
The Barclaycard Avios Plus credit card offers a welcome bonus of 25,000 Avios for new customers who spend £3,000 in the first three months.
The Barclaycard Rewards Credit Card offers 0.25% cashback on all eligible purchases.
28.9% Variable APR
The standout feature here is the Barclaycard Rewards Travel Credit Card's straightforward cashback structure, providing 0.25% on all eligible purchases without foreign transaction fees, making it a solid choice for frequent travelers.
Pros:
- No foreign transaction fees
- Purchase protection for items over £100
Cons:
- Low cashback rate
- Not ideal for high spenders
- No rewards breakdown available
Focuses on long-term interest-free periods rather than a cash welcome bonus.
N/A
24.9% Variable APR
The standout feature here is the TSB Platinum Purchase Card's long 0% interest period on purchases, lasting up to 25 months, making it an excellent option for consumers looking to finance larger purchases without incurring interest.
Pros:
- Long 0% interest period on purchases
- No annual fee
Cons:
- No cashback or rewards
- Limited benefits compared to others
5.Lloyds Bank Ultra Credit Card Visa
Lloyds Bank
- 1%Cashback on all purchases for the first year
- 0.25%Cashback on all purchases thereafter
1% cashback on all purchases for the first 12 months.
1% cashback on all purchases for the first year.
12.9% Variable APR
The standout feature here is the unlimited cashback for the first year, making it an attractive option for those who want to earn rewards on their everyday spending.
Pros:
- Unlimited cashback for the first year
- No annual fee
Cons:
- Lower cashback rate after the first year
- Variable APR
- 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:
- No annual fee
- Introductory 0% interest periods
Cons:
- Variable APR
- Limited rewards structure
Final Words
As you navigate the selection of credit cards available this February 2026, remember that the best options offer features tailored to your financial needs and spending habits. Take time to compare the offerings, considering factors like interest rates and rewards, to make informed decisions that will benefit your financial future.
Frequently Asked Questions
The welcome bonus for the Barclaycard Platinum 21 Month BT and 24 Month Purchase Visa is 0% interest on purchases for up to 24 months and 0% on balance transfers for up to 21 months (3.45% fee applies) from account opening.
The MBNA Balance Transfer Credit Card offers some cards that provide rewards like up to 15% cashback via MBNA Smart Rewards on purchases.
The Barclaycard Rewards Travel Credit Card offers a reward rate of 0.25% cashback on all eligible purchases.
To choose the best credit card, consider factors such as your spending habits, desired rewards, and whether you need a card with no annual fee. Compare the welcome bonuses and ongoing rewards to find a card that aligns with your financial goals.
Many credit cards designed for individuals with good credit come with no annual fees, making them more accessible. However, some premium cards offering higher rewards might charge annual fees, so evaluate if the potential rewards outweigh the cost.
The application process for credit cards in the UK typically involves filling out an online form with your personal and financial information. After submitting your application, you will receive a decision within minutes, although more complex cases may take longer.
When comparing credit cards, look at the interest rates, welcome bonuses, ongoing rewards, and any applicable fees. Additionally, check the terms for balance transfers and cashback rewards to ensure you select a card that best fits your lifestyle.
