Seenford research · Edition 1 · published 2 November 2026
Credit cards 🇬🇧
Run 1 · captured 2026-10-22 · 52 eligible answers (54 captured, excluding 2 No clear answer) · 15 brands · 9 questions · 6 engines · one research run
Lloyds led with 37% recommendation rate (19/52 answers).
- Eligible answers
- 52
- Brands
- 15
- Questions
- 9
Brand leaderboard
What the engines said about each brand across all questions in this run.
| Brand | Mention rate | Recommended, all eligible answers | Recommended, share of mentions | Top pick | Caution | Avg. rank | Verdict mix |
|---|---|---|---|---|---|---|---|
| Lloyds | 73% (38/52) | 37% (19/52) | 50% (19/38) | 4 | 0 | 2.4 | |
| Santander | 65% (34/52) | 35% (18/52) | 53% (18/34) | 3 | 0 | 2.6 | |
| Barclaycard | 69% (36/52) | 33% (17/52) | 47% (17/36) | 2 | 0 | 2.3 | |
| Halifax | 67% (35/52) | 33% (17/52) | 49% (17/35) | 4 | 0 | 2.4 | |
| HSBC | 69% (36/52) | 31% (16/52) | 44% (16/36) | 3 | 0 | 2.3 | |
| Virgin Money | 65% (34/52) | 29% (15/52) | 44% (15/34) | 3 | 0 | 2.4 | |
| NatWest | 63% (33/52) | 29% (15/52) | 45% (15/33) | 3 | 0 | 2.6 | |
| American Express | 54% (28/52) | 27% (14/52) | 50% (14/28) | 3 | 0 | 1.7 | |
| Visa | 50% (26/52) | 10% (5/52) | 19% (5/26) | 0 | 0 | 2.5 | |
| Mastercard | 48% (25/52) | 10% (5/52) | 20% (5/25) | 0 | 0 | — | |
| Tesco Bank | 33% (17/52) | 10% (5/52) | 29% (5/17) | 0 | 0 | 3.0 | |
| Aqua | 12% (6/52) | 8% (4/52) | 67% (4/6) | 0 | 0 | 3.0 | |
| Capital One | 29% (15/52) | 6% (3/52) | 20% (3/15) | 0 | 0 | 2.5 | |
| Vanquis | 13% (7/52) | 6% (3/52) | 43% (3/7) | 0 | 0 | 4.0 | |
| MBNA | 15% (8/52) | 0% (0/52) | 0% (0/8) | 0 | 0 | 4.0 |
Recommended, all eligible answers: answers where the brand was recommended (Top pick or Recommended) ÷ eligible answers in the category, counted once per question, engine and week. This run has 52 eligible answers (54 captured, excluding 2 No clear answer). Recommended, share of mentions: answers where the brand was recommended ÷ answers that mentioned the brand.
Questions against brands
Each cell shows the most common verdict for that question and brand. Counts show mentions out of completed answers.
What's the best credit card in the UK?
What's the best 0% balance transfer credit card in the UK?
What's the best credit card for 0% on purchases in the UK?
What's the best rewards or cashback credit card in the UK?
What's the best credit card for building my credit score in the UK?
What's the best credit card to use abroad from the UK?
Which credit card is accepted in the most places abroad?
Which credit card gives the best protection when I buy something?
Which UK credit card provider has the best customer service?
Engine by engine
Recommended counts per brand for each engine.
ChatGPT
Greyed brands: fewer than 10 eligible answers.
Google Gemini
Greyed brands: fewer than 10 eligible answers.
Anthropic Claude
Greyed brands: fewer than 10 eligible answers.
Perplexity
Greyed brands: fewer than 10 eligible answers.
Google AI Overviews
Greyed brands: fewer than 10 eligible answers.
Microsoft Copilot
Greyed brands: fewer than 10 eligible answers.
What AI reads in this category
Source types
Other / unknown
31%
121 sources
Review and consumer
28%
111 sources
Comparison and booking
11%
45 sources
Blog and guide
10%
40 sources
Brand's own site
9%
34 sources
News and media
8%
32 sources
Forum and social
2%
9 sources
Government and regulator
0.8%
3 sources
Share of the 395 cited sources in this run. Shares add up to 100%. Shares describe cited sources, not traffic.
Top cited domains
| Domain | Citations | Share of cited sources |
|---|---|---|
| moneysavingexpert.com | 68 | 17% |
| which.co.uk | 40 | 10% |
| moneysupermarket.com | 22 | 6% |
| finder.com | 18 | 5% |
| forbes.com | 16 | 4% |
| clearscore.com | 10 | 3% |
| kaeltripton.com | 9 | 2% |
| experian.co.uk | 8 | 2% |
| lloydsbank.com | 7 | 2% |
| uswitch.com | 7 | 2% |
Quotes from the engines
No reviewed quotes were starred in this run, so there are none to show.
Questions and method
Market: UK · Run 1, captured 2026-10-22 · This page is one research run, so it is a snapshot, not a trend.
- What's the best credit card in the UK? (unbranded)
- What's the best 0% balance transfer credit card in the UK? (unbranded)
- What's the best credit card for 0% on purchases in the UK? (unbranded)
- What's the best rewards or cashback credit card in the UK? (unbranded)
- What's the best credit card for building my credit score in the UK? (unbranded)
- What's the best credit card to use abroad from the UK? (unbranded)
- Which credit card is accepted in the most places abroad? (unbranded)
- Which credit card gives the best protection when I buy something? (unbranded)
- Which UK credit card provider has the best customer service? (head-to-head)
Live capture · English questions · answers counted per engine and repeat; failed answers and No clear answer results are excluded from rates.