When comparing UK credit cards in 2026, look beyond the headline offer and check the representative APR, annual fee, balance-transfer or purchase period, transfer fees and any rewards conditions. Use an eligibility checker where available, as it can indicate your chances without necessarily leaving a hard search on your credit file, although approval is decided by the provider. Consider how you will repay the balance, since promotional rates usually end and interest can become expensive. Check the lender’s full terms and confirm it is FCA-authorised before applying.