Top credit cards for 2024 (UK)

Credit cards can be good, and they can be bad. It all depends on why you want one and how you use it.

In this guide I'll take you through each of the main purposes for credit cards and my picks of the best ones available, though as I'll explain, sometimes you might be better off with a different option (it'll all become clear).

So whether you need to reduce the cost of existing debt, spread out the cost of a new purchase, earn cashback or rewards, build your credit rating or get some extra consumer protection, these are the top credit cards for 2024.

#creditcards #buildcredit #cashback

00:00 Intro
00:18 Getting the best credit card for you
03:42 Best welcome bonus credit card
06:38 Best cashback credit card
09:37 Best credit card for travel
10:40 Best 0% on spending credit card
13:44 Best balance transfer credit cards
16:14 Best Money transfer credit cards
17:30 Best credit building cards

MORE

(You'll also get a free Quidco bonus for signing up)

A B O U T A N D Y

DISCLAIMER
Content in these videos does not constitute regulated financial advice. Any offers mentioned were correct at the time of filming.

[sidkings]

Just got me a Nationwide All rounder card.

Introductory 15 months 0% on purchases & money transfers.

They do 0% fees for international payments too.

Available to members only though.

[Chris-Corcoran]

Seems to be the same old infomation every month, No new deals out there, This is the same infomation over and over there is no new players offering a better deal simple really....

[sonny]

I know you said not to ask this, but I'm going to ask anyway....If I am a Vitality insurance product holder, wouldn't the clear winner be the AMEX Vitality Cashback card? It encourages you to work-out and in return you could earn in theory £310 per year in cashback on a £12k spend. No annual fee either.
I can't see how its possible to get the same value back in points or cashback from any other card with the same spend 🤔

[ravichudasama]

I've not had a credit card before however am eligible for most cards due to a strong score from debit. I was thinking Amex gold (free for the first year) then downgrading to amex cash back everyday card. What do you think? Ps annual income is £23100, age 25<, rent £600 a month.

[Revolutuk]

What about the Zorrz credit card? As I understand there are no checks at all needed?

[roshanvincy]

What's the best credit card for lounge access?

[MP-kogo]

Thank you so much for all the information Still don't understand all but better than it was before your explanation.
I never had a credit card and other than mortgage and small fees, I don't have anything coming off my card.
I pay everything but not actually from my card .
And now I want to buy holidays, but can't quite afford them, they so expensive and some one told me about it that she buy the holiday with one credit card then she pays it off with an other one that was Virgin .
So I went checked out and I'm not eligible.
What do I do so my score would change for a better soon, not in years ?

[usmantariq]

This Quidco Cash Back for Amex card do we get it automatically every year? Or is it only for first year

[simonebruschi]

The more i listen to the benefits of credit cards, the higher the conviction that they are in almost all cases completely useless. Except in those country where they look a your credit score to see if you are a good worthy boy

[oumuamua]

This year i will travel a lot and estimated to spend 30k on hotels, dining and travel miles i need a card that will allow me to do this and receive rewards. Most cards i looked at have 10k limits and the rewards add up to pennies maybe 300 pound in cashback over the year. Whats the point but with the amex 10k limit it is even less

[imanyassaee]

Dear Andy,

Thank you for providing the information. I am currently looking to build my credit score to qualify for a property purchase. Despite having a salary of £27, 500, my applications for M&S, Barclaycard, and Tesco Bank have been declined.
Could you please provide guidance on how I can improve my credit score and increase my eligibility for credit cards?
Thank you very much for your assistance.

Best regards,
Iman

[patpalloon]

Good to see you on Jeremy Vine on 5 this morning. TV debut?

[Aj_]

I got the Barclays platinum card and the Amex gold is this a good combo ?

[shaunkissane]

I have a credit card but am paying more on Apr that my monthly payments to try and reduce the amount what would you advise. Should I het a 0% and clear it that way or just keep paying

[kenkennedy]

Barclaycard freedom rewards card…..if I spend in Euros is there a charge ?

[sareenpatel]

Could I get the chase debit card and get cashback on direct debits like vanguard s&s isa, gym, etc?

[yos]

Is cashback considered as interest for your tax return?

[albanbytyqi]

If you can, never use a credit card. In my experience I always spend more using a credit card than using my own cash and debit card. Perhaps for others does not apply?

[adamwest]

Best credit card is:

No credit cards.

Don’t take on debts.