How to Check UK Credit Card Fees Online: FCA Official Tool

Official Source: Financial Conduct Authority (FCA)

The FCA maintains a free, unbiased Credit Card Fee Comparison Tool covering all UK-issued cards.

Step-by-Step

1. Go to: fca.org.uk/consumers/credit-cards/compare-credit-cards/credit-card-fees
2. Use filters: Card type (balance transfer, purchase, reward, credit builder), fee category (annual fee, APR, balance transfer fee, cash advance fee, foreign transaction fee).
3. Sort by "Lowest APR," "Lowest Balance Transfer Fee," etc.
4. Click a card for full details: representative APR, fees, eligibility, provider link.

What You'll See

• Representative APR (variable, includes purchase rate + fees)
• Annual fee (£0–£600+)
• Balance transfer fee (% of transfer, usually 1–3.5%)
• Cash advance fee (3–5%, min £3)
• Foreign transaction fee (0–3%)
• Late payment / over-limit fees

Alternative Comparison Sites

• MoneySavingExpert (editorial picks + eligibility calculator)
• uSwitch
• MoneySuperMarket

Always verify terms on the provider's site before applying.