Free Credit Card Resources
Our commitment to financial education extends to providing free resources for UK residents on credit & borrowing so here is a list of useful resources.
Quick note: We are not affiliated with any of these providers or resources, and cannot be held liable for the accuracy f the information provided on the 3rd party sites. We do not receive a commission when you use them, we are simply sharing what we think are some pretty great resources.
Comparison & Eligibility Tools
- MoneySavingExpert Credit Card Eligibility Checker
- https://www.moneysavingexpert.com/eligibility/credit-cards/
- Shows which cards you’re likely to be accepted for without impacting your credit score.
- https://www.moneysavingexpert.com/eligibility/credit-cards/
- Compare the Market – Credit Card Comparison
- https://www.comparethemarket.com/credit-cards/
- Compare cards by APR, features (balance transfer, rewards, etc.), and eligibility.
- https://www.comparethemarket.com/credit-cards/
- Uswitch Credit Card Finder
- https://www.uswitch.com/credit-cards/
- User-friendly filtering for types of cards: 0% balance transfer, cashback, rewards.
- https://www.uswitch.com/credit-cards/
- MoneySuperMarket Credit Card Comparison
- https://www.moneysupermarket.com/credit-cards/
- Includes soft search eligibility checker and helpful filters.
- https://www.moneysupermarket.com/credit-cards/
- ClearScore
- https://www.clearscore.com
- Free credit report with tailored card offers based on your credit profile.
- https://www.clearscore.com
- Experian CreditMatcher
- https://www.experian.co.uk/consumer/credit-cards/
- Provides credit score-based matches and approval likelihood.
- https://www.experian.co.uk/consumer/credit-cards/
Educational Resources & Guides
- MoneyHelper – Credit Card Basics
- https://www.moneyhelper.org.uk/en/everyday-money/credit-and-purchases/credit-cards
- A government-backed service explaining types of credit cards, risks, and how interest works.
- https://www.moneyhelper.org.uk/en/everyday-money/credit-and-purchases/credit-cards
- Citizens Advice – Help with Credit Cards
- https://www.citizensadvice.org.uk/debt-and-money/borrowing-money/types-of-credit/credit-cards/
- Help with managing payments, debt issues, and complaints.
- https://www.citizensadvice.org.uk/debt-and-money/borrowing-money/types-of-credit/credit-cards/
- StepChange – Managing Credit Card Debt
- https://www.stepchange.org/debt-info/credit-card-debt.aspx
- Advice if you’re struggling with repayments, including budgeting and repayment strategies.
- https://www.stepchange.org/debt-info/credit-card-debt.aspx
Credit Building & Bad Credit Cards
- Aqua, Vanquis, and Capital One UK
- These issuers offer credit-builder cards designed for people with limited or poor credit history.
- Always check representative APR and repayment terms before applying.
- TotallyMoney – Credit Builder Tools
- https://www.totallymoney.com/credit-builder/
- Credit report monitoring and tailored recommendations for improving credit score.
- https://www.totallymoney.com/credit-builder/
Apps & Monitoring Tools
- Credit Karma UK https://www.creditkarma.co.uk
- Free TransUnion credit report and card suggestions. Helpful tracking of changes in your credit file.
- Snoop App https://www.snoop.app
- Helps you manage your finances, spot wasteful spending on credit cards, and find better deals.