1.American Express Preferred Rewards Gold Credit Card
American Express
- 3%Points on Amex Travel
- 2%Double points on airline/overseas spend
- 1%Points on all other purchases
Earn 20,000 Membership Rewards points for spending £3,000 in the first three months.
Earn 3 points per £1 on Amex Travel, double points on airline/overseas spend, and 1 point per £1 spent on other purchases.
85.8% Variable APR
The American Express Preferred Rewards Gold Credit Card stands out as the top choice because it offers a substantial welcome bonus and a robust rewards structure, particularly for travel-related spending. With no annual fee in the first year, it provides excellent value for those who frequently travel or dine out.
Pros:
- No annual fee for the first year
- Generous welcome bonus
Cons:
- High annual fee after the first year
- Spending threshold for bonus is high
2.Lloyds Bank Ultra Credit Card
Lloyds Bank
- 1%Cashback on all purchases in the first year
- 0.25%Cashback on all purchases thereafter
Earn 1% cashback on all card purchases you make in the first year.
Earn 1% cashback on all purchases in the first year, dropping to 0.25% thereafter.
12.9% Variable APR
The standout feature of the Lloyds Bank Ultra Credit Card is its uncapped 1% cashback on all purchases during the first year, making it an excellent choice for everyday spending. Additionally, with no foreign transaction fees, it is well-suited for international travelers.
Pros:
- No annual fee
- High cashback rate in the first year
Cons:
- Cashback drops significantly after the first year
- Limited additional rewards
3.American Express Rewards Credit Card
American Express
- 1%Membership Rewards points on all purchases
Earn 10,000 Membership Rewards points when you spend £2,000 within three months.
Earn 1 Membership Rewards point for every full £1 spent.
29.1% Variable APR
The American Express Rewards Credit Card shines for its straightforward rewards system, allowing cardholders to earn points on every purchase without an annual fee. This card is particularly appealing for those looking to accumulate Membership Rewards points without the burden of a yearly cost.
Pros:
- No annual fee
- Simple rewards structure
Cons:
- Lower welcome bonus compared to other cards
- Limited to Membership Rewards points
4.Halifax Clarity Credit Card
Halifax
- No rewards breakdown available
Receive £20 cash back when you first use your card.
No ongoing cashback or rewards.
23.9% Variable APR
The Halifax Clarity Credit Card is designed primarily as a travel card, offering no foreign transaction fees and immediate cash withdrawal capabilities. While it lacks ongoing rewards, its fee-free structure makes it a reliable option for international spending.
Pros:
- No foreign transaction fees
- No annual fee
Cons:
- No ongoing rewards
- Interest on cash withdrawals applies immediately
5.American Express Nectar Credit Card
American Express
- 3%Points at Nectar partners
- 2%Points on everyday purchases
Earn 20,000 Nectar points for spending £2,000 in the first three months.
Earn 2 Nectar points per £1 spent on everyday purchases and 3 points per £1 at Nectar partners.
35.8% Variable APR
The American Express Nectar Credit Card is an excellent choice for those who frequently shop at Nectar partners, offering a robust rewards structure and a significant welcome bonus. Its ability to earn points on everyday spending makes it a valuable addition for loyal Nectar customers.
Pros:
- Strong rewards structure
- Welcome bonus worth £100
Cons:
- Annual fee after the first year
- Higher APR
Final Words
As you consider the best credit cards for good credit this March 2026 in the UK, remember to evaluate your spending habits and lifestyle needs. Take time to compare different options and features to make an informed decision that suits your financial goals.
Frequently Asked Questions
Earn 20,000 Membership Rewards points for spending £3,000 in the first three months.
Earn 3 points per £1 on Amex Travel, double points on airline/overseas spend, and 1 point per £1 spent on other purchases.
Earn 1% cashback on all card purchases you make in the first year, dropping to 0.25% thereafter.
Earn 10,000 Membership Rewards points when you spend £2,000 within three months.
When applying for a credit card, consider factors like the annual fee, interest rates, reward programs, and your spending habits. It’s also important to check your credit score to ensure eligibility.
Many cashback credit cards have no annual fee, making them accessible for most users. However, some premium options with higher rewards may charge an annual fee, so evaluate if the rewards offset the cost.
To choose the best credit card, assess your spending patterns, such as whether you spend more on travel, dining, or everyday purchases. Compare rewards, fees, and terms to find a card that maximizes benefits based on your lifestyle.
