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Compare credit cards from a panel of UK providers via Brumble. Check your eligibility with a soft search that will not affect your credit score. Representative 48.8% APR (variable).

Soft search, no credit impact

One search, multiple providers

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Check Your Eligibility

Brumble works with ClearScore, a credit broker, to help you compare credit card options from a panel of lenders.

Both Brumble and ClearScore are credit brokers, not lenders.

Brumble - Compare credit cards from UK providers

How Does It Work?

Checking your eligibility for a credit card via Brumble is quick and easy. A soft search shows you cards you are likely to be accepted for, with no impact on your credit score.

Tell Us About You

Answer a few questions about your finances and what you are looking for in a credit card.

See Your Options

A soft search checks your eligibility across multiple providers. It will not affect your credit score.

Choose and Apply

Pick the card that works for you then complete your application.

Check Your Eligibility

What Type of Credit Card Do You Need?

Credit cards come in different types, each designed for a specific purpose. The right card depends on what you want to use it for.

0% Purchase Card

Spread the cost of a big purchase with no interest for up to 26 months. Ideal for buying a motorbike, paying an annual insurance premium, or covering a repair bill.

Learn more ↓

Balance Transfer Card

Move existing credit card debt to a new card with 0% interest for up to 36 months. Pay off what you owe without interest building up.

Learn more ↓

Cashback Card

Earn money back on everyday spending, including fuel, insurance, and motoring costs. Best if you clear your balance in full each month.

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Credit Builder Card

Build or rebuild your credit score with responsible use. Higher APR, but designed for people with poor or limited credit history.

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0% Purchase Cards: Buy a Motorbike or Scooter Interest-Free

A 0% purchase credit card lets you spread the cost of a purchase over 12 to 26 months with no interest charges. For smaller vehicles like 125cc motorbikes and scooters, which typically cost £1,500 to £4,000, this can be cheaper than any personal loan because you pay zero interest as long as you clear the balance within the promotional period.

You can also use the same card to buy riding gear, helmets, gloves, and accessories alongside the bike. As long as everything is purchased within the 0% window, it all benefits from the interest-free period and Section 75 protection on any item over £100. Once you have your bike, you can compare motorbike insurance via Brumble too.

The key is discipline. You must make at least the minimum payment every month, and you must clear the full balance before the 0% period ends. If any balance remains after the promotional period, the standard APR applies, which is typically 20% to 30% on a 0% purchase card, and significantly higher on a credit builder card.

For larger purchases above £5,000, a personal loan may be a better option because it gives you a fixed repayment schedule and a fixed interest rate for the full term. A 0% card is best for amounts you can realistically clear within the interest-free window.

Pay for Your Insurance with a Credit Card

Paying your car, motorbike, or van insurance annually is often cheaper than paying monthly. Monthly payments are a form of credit agreement with their own APR, typically 15% to 30%, added on top of the premium. The difference can be £50 to £150 or more per year.

If you cannot afford to pay the full annual premium upfront, a 0% purchase credit card lets you pay it in one go and then spread the repayments interest-free over the 0% period. You pay the insurer the full amount, avoid the monthly instalment surcharge, and repay the card at your own pace within the interest-free window.

You also get Section 75 protection on the policy. If your insurer fails to deliver the cover they promised or goes into administration, you can claim from your card issuer for purchases over £100.

Cover Vehicle Repairs with a Credit Card

An unexpected repair bill after an MOT failure or breakdown can be stressful, especially if you need your car or van for work. A 0% purchase credit card can spread the cost of repairs interest-free, avoiding the need for a personal loan on a smaller amount where the interest charges may not be worth it.

For repairs costing over £100, you also benefit from Section 75 protection. If the garage does not complete the work to a satisfactory standard or goes out of business before finishing the job, you can claim from your card issuer.

If you do not already have a credit card and need to cover a repair quickly, check your eligibility via Brumble first. A soft search shows which cards you may be accepted for without affecting your credit score.

Balance Transfer Credit Cards

A balance transfer card lets you move existing credit card debt to a new card with a 0% interest period, typically lasting 12 to 36 months. Most charge a one-off transfer fee of 1% to 3% of the balance you move.

The goal is to pay off the debt during the 0% period. Divide your balance by the number of months in the promotional period to work out your target monthly payment. If you clear it before the 0% ends, you save on interest. If any balance remains, the standard APR kicks in.

Some cards offer no transfer fee in exchange for a shorter 0% period. If your balance is small enough to clear quickly, a fee-free card can save you more overall.

Credit Builder Cards

If you have a poor credit history or no credit history at all, a credit builder card is designed to help you improve your credit score over time. These cards have higher APRs and lower credit limits, but acceptance rates are much higher than standard cards.

The strategy is simple. Use the card for one small regular purchase each month, such as filling up with fuel or buying groceries, and pay the balance in full every month. This builds a track record of on-time payments, which is the single biggest factor in your credit score.

After 6 to 12 months of consistent use, your credit score should improve enough to qualify for mainstream cards with better rates and higher limits. Do not carry a balance on a credit builder card. The APR is high and interest charges will quickly outweigh any benefit.

Cashback Credit Cards

Cashback credit cards return a percentage of your spending as cash. UK cards typically offer between 0.25% and 1% on general spending, with some offering higher rates on specific categories or introductory periods of up to 5%.

For drivers, everyday spending on fuel, insurance premiums, servicing, and parking can add up. A cashback card turns this routine spending into a small but steady return. On £500 a month of motoring-related spending, a 1% cashback card earns £60 a year.

Cashback cards only make sense if you clear your balance in full every month. Even one month of carrying a balance at 20%+ APR can wipe out months of cashback earnings.

How to Choose the Right Credit Card

Decide what you need the card for

A 0% purchase card for a planned purchase, a balance transfer card for existing debt, a cashback card for everyday spending, or a credit builder card to improve your score. Choosing the wrong type means missing out on the features that would save you the most.

Check your eligibility before applying

Every formal credit card application creates a hard search on your credit file. Multiple hard searches in a short period can lower your score and reduce your chances of acceptance. Use an eligibility checker like Brumble's to see your options with a soft search first.

Look at the total cost, not just the headline

A 0% card with a 3% balance transfer fee on £5,000 costs you £150 upfront. A card with no fee but a shorter 0% period might cost less if you can clear the balance quickly. Always calculate the total cost over the period you plan to use the card.

Set up a repayment plan from day one

Divide your balance by the number of months in the 0% period and set up a standing order for that amount. This ensures you clear the debt before the promotional rate expires.

Never just pay the minimum

Minimum payments are designed to keep you in debt. On a £3,000 balance at 20% APR, paying only the minimum could take over 25 years to clear and cost thousands in interest. Always pay as much as you can afford each month.

What Protection Do You Get When Paying by Credit Card?

Section 75 of the Consumer Credit Act 1974 gives you powerful legal protection when you pay by credit card. For any purchase between £100 and £30,000, your card issuer is jointly liable with the seller if something goes wrong. This is a statutory right, not a voluntary scheme, and it applies even if you only paid part of the total on the credit card.

How Section 75 Protects Vehicle Buyers

If you are buying a used car, motorbike, scooter, or van, paying even a small deposit on a credit card gives you Section 75 protection on the entire purchase. If the seller misrepresents the vehicle, if it is not as described, or if the dealer goes out of business before you take delivery, you can claim the full amount from your card issuer.

This is especially valuable when buying from a dealer you do not know well, buying online, or buying a vehicle that is being delivered rather than collected in person. A £100 deposit on a £5,000 motorbike puts the full £5,000 under Section 75 protection.

Section 75 does not apply to private sales where you pay by bank transfer, which is why paying even a small amount by credit card is worth considering wherever the seller accepts card payments.

Chargeback is a separate scheme run by Visa and Mastercard that can help with purchases under £100 or debit card payments. It is not a legal right like Section 75, but it provides an additional layer of protection.

Used car from a dealer

You pay a £200 deposit by credit card and £4,800 by bank transfer. The car has a hidden fault the dealer refuses to fix. Section 75 covers the full £5,000.

Motorbike from a dealer

You buy a £3,500 motorbike on a 0% purchase card. The dealer goes into administration before delivering the bike. Section 75 covers the full £3,500.

Scooter bought online

You pay £1,800 for a scooter from an online dealer. It arrives not as described. Section 75 covers the full £1,800.

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Representative 48.8% APR (variable)

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Credit Card FAQs

Common questions about credit cards, eligibility, and how to use them wisely.

APR stands for Annual Percentage Rate. It is the total cost of borrowing over a year, including interest and any annual fees. A lower APR means cheaper borrowing, but if you clear your balance in full each month, you pay no interest at all. The representative APR is the rate that at least 51% of successful applicants receive. The rate you are offered may be different. This means the rate you see advertised is not guaranteed.

The minimum payment is the smallest amount you must pay each month to keep your account in good standing. It is usually 1% to 2.5% of your balance plus interest, or a fixed amount like £5 or £25, whichever is greater. Paying only the minimum means your debt reduces very slowly and you pay far more interest over time.

Credit utilisation is the percentage of your available credit limit that you are using. If you have a £5,000 limit and a £2,500 balance, your utilisation is 50%. Keeping utilisation below 30% is generally seen as positive for your credit score. Going above 50% can start to lower it.

A soft search checks your eligibility without affecting your credit score. Only you can see it on your credit file. A hard search happens when you formally apply for credit. It is visible to other lenders and stays on your file for 12 months. Too many hard searches in a short period can reduce your chances of being accepted.

Yes. There is no legal limit on how many credit cards you can hold in the UK. However, each application involves a hard search, and having multiple cards increases your available credit, which can affect how lenders view your affordability. Only take out cards you genuinely need.

Missing a payment can result in a late fee, an increase in your interest rate, and damage to your credit score. A missed payment stays on your credit file for six years. If you are struggling to make payments, contact your card issuer as soon as possible. They are required to treat you fairly under FCA rules. Free help is available from StepChange on 0800 138 1111.

Yes. If the dealer accepts credit card payments and the price is within your credit limit, you can buy a motorbike on a credit card. A 0% purchase credit card can be especially useful for smaller bikes like 125cc scooters, letting you spread the cost interest-free over 12 to 24 months. You also get Section 75 purchase protection on any credit card purchase over £100, which means the card issuer is jointly liable if something goes wrong with the sale.

Yes. Most insurers accept credit card payments for annual premiums. Paying annually is often cheaper than paying monthly, because monthly payments are a form of credit agreement with their own interest charges. Using a 0% purchase credit card to pay your annual premium lets you spread the cost interest-free while also getting Section 75 protection on the policy.

Section 75 of the Consumer Credit Act 1974 makes your credit card issuer jointly liable with the seller for purchases between £100 and £30,000. If the goods are faulty, not as described, or the seller goes out of business, you can claim the full amount from your card issuer. This applies even if you only paid a small part of the total on the credit card. It is a statutory right, not a voluntary scheme.

For smaller amounts that you can repay within the 0% period, a 0% purchase credit card is usually cheaper because you pay no interest at all. A personal loan is better for larger amounts or longer terms, because you get a fixed repayment schedule and the rate is locked in. If you cannot clear a credit card balance before the 0% period ends, the standard APR can be significantly higher than a personal loan rate.

Checking your eligibility via Brumble uses a soft search, which does not affect your credit score. A hard search only happens when you formally apply for a card, and it stays on your credit file for 12 months. Multiple hard searches in a short period can reduce your chances of being accepted, which is why eligibility checkers are worth using first.

Yes. Credit builder cards are designed for people with poor or limited credit histories. They typically have lower credit limits and higher APRs, but using one responsibly, spending a small amount each month and repaying in full, can help improve your credit score over time. Check your eligibility via Brumble to see which cards you may be accepted for.

A balance transfer card lets you move existing credit card debt to a new card, often with a 0% interest period of 12 to 36 months. Most charge a one-off transfer fee of 1 to 3% of the balance. The goal is to pay off the debt during the 0% period. If you do not clear it before the promotional period ends, the standard APR applies to whatever remains.

0% purchase periods typically last 12 to 26 months depending on the card and your creditworthiness. 0% balance transfer periods can last up to 36 months on the longest offers. The length you are offered depends on your individual circumstances and may be shorter than the advertised headline. Always check the terms before applying.

If you have little or no credit history, a credit builder card is usually the best starting point. These cards are designed for people who are new to credit and typically have lower credit limits and higher interest rates. Use the card for small regular purchases and pay the balance in full each month to build your credit score over time. Check your eligibility via Brumble to see which credit builder cards you are likely to be accepted for.

The main risk is spending more than you can afford to repay. If you only make the minimum payment each month, interest charges can add up quickly. Missing payments can damage your credit score and result in late fees. Credit cards also have higher interest rates than personal loans, so they are not suitable for long-term borrowing. Used responsibly, however, they offer purchase protection, help build your credit history, and can provide interest-free periods on purchases or balance transfers.

Yes, if used responsibly. Making regular purchases and paying the balance in full and on time each month shows lenders that you can manage credit well. Keeping your credit utilisation below 30% of your available limit also helps. Missed or late payments have the opposite effect and can lower your score.

No. Brumble is an Introducer Appointed Representative of ClearScore, which acts as a credit broker. ClearScore helps you compare credit card offers from a panel of UK providers. You check your eligibility with a single soft search, then choose the card that works for you and apply directly with the provider.