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BT Credit Cards Review

Compare BT credit cards – read our review and compare the features and benefits available from BT. We can help you to make an informed decision and find a card that suits you.

The BT Credit Card offer all the same great features and benefits offered by other credit cards, as well as a special bonus feature allowing you to save money on your BT bills. The more you use your BT Credit Card, the more discount you are eligible to receive, and the bet thing is it's an automated process so your savings are instant.

BT credit cards come with long zero percent introductory periods on balance transfers (3% handling fee applies), cash transfers and retail purchases, and up to 56 interest free days, helping you to manage you finances with ease.

Top 5 Credit Cards products

Card
Issuer
Balance Transfers
Apply
Rate N/A
Fee N/A
N/A
9.90%
Representative Example: If you spend £1,200 at a purchase interest rate of 9.93% (variable) your Representative APR will be 9.9% (variable).
Rate N/A
Fee N/A
N/A
11.1%
Representative Example: Representative 11.1% APR (variable) based on an assumed Credit Limit of £1,200. Standard interest rate for purchases: 6.9% p.a.(variable) Annual fee: £24. Your actual credit limit will depend on our credit assessment of you.
Rate N/A
Fee N/A
N/A
11.1%
Representative Example: Representative 11.1% APR (variable) based on an assumed CreditLimit of £1,200. Standard interest rate for purchases: 6.9% p.a.(variable) Annual fee: £24. Your actual credit limit will depend on our credit assessment of you.
Make contactless payments on items below £20.
Rate 0% 23 months
Fee N/A
0%
23 mths
12.7%
Representative Example: 0% p.a. on card purchases for 23 months followed by 12.7% p.a. (variable) on card purchases. This is equivalent to 18.4% APR Representative (variable) based on an assumed credit limit of £1,200. Monthly fee: £3.
Collect 0.5% unlimited cashback on all purchases in pounds sterling.
Rate 0% 12 months
Fee N/A
0%
12 mths
15.9%
Representative Example: If you spend £1,200 at a purchase interest rate of 15.9% (variable) your Representative APR will be 15.9% (variable).
Rate 0% 12 months
Fee 3% fee
0%
26 mths
18.9%
Representative Example: If you spend £1,200 at a purchase interest rate of 18.9% (variable) your Representative APR will be 18.9% (variable).
Rate 0% 12 months
Fee 3% fee
0%
26 mths
18.9%
Representative Example: If you spend £1,200 at a purchase interest rate of 18.9% (variable) your Representative APR will be 18.9% (variable).
A fee of 3.0% will be applied, then reduced to 1.0% by a refund
Rate 0% 28 months
Fee 1% fee
0%
12 mths
18.9%
Representative Example: If you spend £1,200 at a purchase interest rate of 18.94% (variable) your Representative APR will be 18.9% (variable).
Collect Avios on Everyday Spend. No foreign transaction fees - Terms & Conditions Apply
Rate 0% 28 months
Fee 3% fee
0%
12 mths
18.9%
Representative Example: based on £24.00 annual fee, assumed borrowing of £1,200, representative 18.9% APR (variable). Purchase rate 18.94% PA (variable)
A balance transfer fee of 3% will be applied to all balances transfers within the first 90 days. This will be reduced to 2.45% by way of refund.
Rate 0% 36 months
Fee 0% fee
0%
6 mths
18.9%
Representative Example: If you spend £1,200 at a purchase interest rate of 18.94% (variable) your Representative APR will be 18.9% (variable).
Rate 0% 34 months
Fee 2.89% fee
0%
6 mths
18.9%
Representative Example: If you spend £1,200 at a purchase interest rate of 18.95% (variable) your Representative APR will be 18.9% (variable).
A fee of 3.0% will be applied, then reduced to 2.55% by a refund.
Rate 0% 37 months
Fee 2.55% fee
0%
6 mths
18.9%
Representative Example: If you spend £1,200 at a purchase interest rate of 18.95% (variable) your Representative APR will be 18.9% (variable).
Rate 0% 19 months
Fee 3% fee
0%
19 mths
18.9%
Representative Example: If you spend £1,200 at a purchase interest rate of 18.95% (variable) your Representative APR will be 18.9% (variable).
2.5% fee applies on each balance transfer made in the first 90 days. 3% thereafter.
Rate 0% 28 months
Fee 2.50% fee
0%
12 mths
18.9%
Representative Example: If you spend £1,200 at a purchase interest rate of 18.95% (variable) your Representative APR will be 18.9% (variable).
Though there is a 3% fee on balance transfers, through a refund of 2.3% this will effectively be a 0.7% charge over time.
Rate 0% 28 months
Fee 0.70% fee
0%
3 mths
18.9%
Representative Example: If you spend £1,200 at a purchase interest rate of 18.9% p.a (variable) your representative rate will be 18.9% APR (variable)
Rate 0% 13 months
Fee 0% fee
0%
13 mths
18.9%
Representative Example: If you spend £1,200 at a purchase interest rate of 18.95% (variable) your Representative APR will be 18.9% (variable).
A fee of 3.0% will be applied, then reduced to 1% by a refund.
Rate 0% 28 months
Fee 1% fee
0%
12 mths
18.9%
Representative Example: If you spend £1,200 at a purchase interest rate of 18.95% (variable) your Representative APR will be 18.9% (variable).
Rate 0% 15 months
Fee N/A
0%
15 mths
18.9%
Representative Example: If you spend £1,200 at a purchase interest rate of 18.9% (variable) your Representative APR will be 18.9% (variable).
Rate 0% 28 months
Fee 3% fee
0%
12 mths
23.7%
Representative Example: If you spend £1,200 at a purchase interest rate of 18.94% (variable) your Representative APR will be 18.9% (variable).
Introductory Offer
Balance Transfer Rate: 0% for 12 mths
Balance Transfer Fee: 3% fee
Purchase Rate: 0% for 26 mths
Representative APR
Purchases: 18.9% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 18.9% (variable) your Representative APR will be 18.9% (variable).
Annual Rates
Balance Transfers: 11.9% p.a. (variable)
Balance Transfer Fee: 3% p.a.
Cash Advance: 27.9% p.a. (variable)
Annual Fee: N/A
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 59 days
On-Line Banking: Yes
Approval Criteria
  • You are 21 years or over
  • You are a permanent UK resident
  • You have no history of bankruptcy, had an IVA's or CCJ's.
  • You haven't missed a payment on either a credit card or mortgage in the last 12 months.
  • You have a regular income of more than £20,000 per annum
  • You have not been declined for credit in the last six months.
  • You do not have debts on other credit cards greater than £20,000
Introductory Offer
Balance Transfer Rate: 0% for 12 mths
Balance Transfer Fee: 3% fee
Purchase Rate: 0% for 26 mths
Representative APR
Purchases: 18.9% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 18.9% (variable) your Representative APR will be 18.9% (variable).
Annual Rates
Balance Transfers: 11.9% p.a. (variable)
Balance Transfer Fee: 3% p.a.
Cash Advance: 27.9% p.a. (variable)
Annual Fee: N/A
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 59 days
On-Line Banking: Yes
Approval Criteria
  • You are 21 years or over
  • You are a permanent UK resident
  • You have no history of bankruptcy, had an IVA's or CCJ's.
  • You haven't missed a payment on either a credit card or mortgage in the last 12 months.
  • You have a regular income of more than £20,000 per annum
  • You have not been declined for credit in the last six months.
  • You do not have debts on other credit cards greater than £20,000
Introductory Offer
Balance Transfer Rate: 0% for 34 mths
Balance Transfer Fee: 2.89% fee
Purchase Rate: 0% for 6 mths
Representative APR
Purchases: 18.9% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 18.95% (variable) your Representative APR will be 18.9% (variable).
Annual Rates
Balance Transfers: 18.9% p.a. (variable)
Cash Advance: 25.95% p.a. (variable)
Annual Fee: N/A
Standard Features
Credit Limit: £25,000
Interest Free Days: Up to 56 days
On-Line Banking: Yes
Approval Criteria
  • You have a permanent UK address
  • You are 18 or over
  • You have not been declined for credit in the last month
  • You do not have a history of bad credit
  • You are not an existing Sainsbury's Bank Credit Card holder

Advice

0% on balance transfers for the first 13 months from account opening with no balance transfer fee.

Introductory Offer
Balance Transfer Rate: 0% for 13 mths
Balance Transfer Fee: 0% fee
Purchase Rate: 0% for 13 mths
Representative APR
Purchases: 18.9% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 18.95% (variable) your Representative APR will be 18.9% (variable).
Annual Rates
Balance Transfers: 18.9% p.a. (variable)
Cash Advance: 25.95% p.a. (variable)
Annual Fee: N/A
Standard Features
Credit Limit: £25,000
Interest Free Days: Up to 56 days
On-Line Banking: Yes
Approval Criteria
  • You have a permanent UK address
  • You are 18 or over
  • You have not been declined for credit in the last month
  • You do not have a history of bad credit
  • You are not an existing Sainsbury's Bank Credit Card holder

Advice

Earn up to Double Nectar points for every £1 you spend in Sainsbury's stores and online for the first two years.

Introductory Offer
Balance Transfer Rate: 0% for 19 mths
Balance Transfer Fee: 3% fee
Purchase Rate: 0% for 19 mths
Representative APR
Purchases: 18.9% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 18.95% (variable) your Representative APR will be 18.9% (variable).
Annual Rates
Balance Transfers: 18.9% p.a. (variable)
Cash Advance: 25.95% p.a. (variable)
Annual Fee: N/A
Standard Features
Credit Limit: £25,000
Interest Free Days: Up to 56 days
On-Line Banking: Yes
Approval Criteria
  • You have a permanent UK address
  • You are 18 or over
  • You have not been declined for credit in the last month
  • You do not have a history of bad credit
  • You are not an existing Sainsbury's Bank Credit Card holder

Advice

There are no balance transfer fees when transferring a balance from another card.

Introductory Offer
Balance Transfer Rate: N/A
Balance Transfer Fee: N/A
Purchase Rate: N/A
Representative APR
Purchases: 9.90% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 9.93% (variable) your Representative APR will be 9.9% (variable).
Annual Rates
Balance Transfers: 9.90% p.a. (variable)
Cash Advance: 24.93% p.a. (variable)
Annual Fee: N/A
Standard Features
Credit Limit: £25,000
Interest Free Days: Up to 59 days
On-Line Banking: Yes
Approval Criteria
  • You have a permanent UK address
  • You are 18 or over
  • You have not been declined for credit in the last month
  • You do not have a history of bad credit
  • You are not an existing Sainsbury's Bank Credit Card holder
Introductory Offer
Balance Transfer Rate: N/A
Balance Transfer Fee: N/A
Purchase Rate: N/A
Representative APR
Purchases: 11.1% p.a. (variable)
Representative Example: Representative 11.1% APR (variable) based on an assumed Credit Limit of £1,200. Standard interest rate for purchases: 6.9% p.a.(variable) Annual fee: £24. Your actual credit limit will depend on our credit assessment of you.
Annual Rates
Balance Transfers: 6.90% p.a. (variable)
Cash Advance: 24.9% p.a. (variable)
Annual Fee: £24
Standard Features
Credit Limit: £25,000
Interest Free Days: Up to 56 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of the UK
  • You earn over £10,000 per year
Introductory Offer
Balance Transfer Rate: N/A
Balance Transfer Fee: N/A
Purchase Rate: N/A
Representative APR
Purchases: 11.1% p.a. (variable)
Representative Example: Representative 11.1% APR (variable) based on an assumed CreditLimit of £1,200. Standard interest rate for purchases: 6.9% p.a.(variable) Annual fee: £24. Your actual credit limit will depend on our credit assessment of you.
Annual Rates
Balance Transfers: 6.90% p.a. (variable)
Cash Advance: 12.9% p.a. (variable)
Annual Fee: £24
Standard Features
Credit Limit: £25,000
Interest Free Days: Up to 56 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of the UK
  • You earn over £10,000 per year

Advice

Collect 0.5% unlimited cashback on all purchases in pounds sterling. Also, get commission free card purchases abroad!! No balance transfer fee applies for the first 3 months of account opening, after which time it will revert to 2.4% (Minimum £5)

Introductory Offer
Balance Transfer Rate: 0% for 12 mths
Balance Transfer Fee: N/A
Purchase Rate: 0% for 12 mths
Representative APR
Purchases: 15.9% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 15.9% (variable) your Representative APR will be 15.9% (variable).
Annual Rates
Balance Transfers: 15.9% p.a. (variable)
Cash Advance: 27.9% p.a. (variable)
Annual Fee: N/A
Standard Features
Credit Limit: £25,000
Interest Free Days: Up to 56 days
On-Line Banking: Yes
Cashback
Standard Cashback Rate: 0.50%
Approval Criteria
  • YOU MUST HAVE A NATIONWIDE CURRENT ACCOUNT IN ORDER TO APPLY FOR THIS CARD
  • You are at least 25 Years of Age
  • You have an Excellent Credit History
  • You are a permanent resident/citizen of the UK
  • You earn over £25,000 per year
Introductory Offer
Balance Transfer Rate: 0% for 36 mths
Balance Transfer Fee: 0% fee
Purchase Rate: 0% for 6 mths
Representative APR
Purchases: 18.9% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 18.94% (variable) your Representative APR will be 18.9% (variable).
Annual Rates
Balance Transfers: 18.9% p.a. (variable)
Balance Transfer Fee: 3% p.a.
Cash Advance: 27.9% p.a. (variable)
Annual Fee: N/A
Standard Features
Credit Limit: £50,000
Interest Free Days: Up to 56 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of the UK
  • You have a bank or building society account
  • You have an income over £25,000 p.a

Advice

3% Balance Transfer fee will be taken initially but an automatic refund will refund 2% of this fee within 90 days of the balance transfer completion.

Introductory Offer
Balance Transfer Rate: 0% for 28 mths
Balance Transfer Fee: 1% fee
Purchase Rate: 0% for 12 mths
Representative APR
Purchases: 18.9% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 18.94% (variable) your Representative APR will be 18.9% (variable).
Annual Rates
Balance Transfers: 18.9% p.a. (variable)
Balance Transfer Fee: 3% p.a.
Cash Advance: 27.9% p.a. (variable)
Annual Fee: N/A
Standard Features
Credit Limit: £50,000
Interest Free Days: Up to 56 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of the UK
  • You have a bank or building society account
  • You have an income over £25,000 p.a

Advice

10 Choice points for every £1 of eligible spend on the Choice Rewards American Express® Card. 10 Choice points for every £5 of eligible spend on the Choice Rewards MasterCard®.

Introductory Offer
Balance Transfer Rate: 0% for 28 mths
Balance Transfer Fee: 3% fee
Purchase Rate: 0% for 12 mths
Representative APR
Purchases: 23.7% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 18.94% (variable) your Representative APR will be 18.9% (variable).
Annual Rates
Balance Transfers: 23.7% p.a. (variable)
Cash Advance: 27.9% p.a. (variable)
Annual Fee: £24 p.a.
Standard Features
Credit Limit: £50,000
Interest Free Days: Up to 56 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of the UK
  • You have a bank or building society account
  • You have an income over £25,000 p.a

Advice

Get Double Avios for 6 months with your American Express® Card. No foreign transaction fees - Terms & Conditions Apply.

Introductory Offer
Balance Transfer Rate: 0% for 28 mths
Balance Transfer Fee: 3% fee
Purchase Rate: 0% for 12 mths
Representative APR
Purchases: 18.9% p.a. (variable)
Representative Example: based on £24.00 annual fee, assumed borrowing of £1,200, representative 18.9% APR (variable). Purchase rate 18.94% PA (variable)
Annual Rates
Balance Transfers: 18.9% p.a. (variable)
Cash Advance: 18.94% p.a. (variable)
Annual Fee: £24
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 56 days
On-Line Banking: Yes
Approval Criteria
  • You are currently employed
  • You are over 23 years of age
  • You are a homeowner
  • You have an income of over £20,000
  • You do not have any recent credit defaults (CCJ's, current arrears or missed payments) on credit cards / loans / mortgages
  • You are a resident in the UK and can prove residential addresses for the past two years

Advice

Earn 1% Cashback at Supermarkets, Earn 2% Cashback at Department stores, 3% on Rail Fares, Earn 3% Cashback at Petrol Stations (£300 monthly spend cap applies). Make contactless payments on items below £20.

Introductory Offer
Balance Transfer Rate: 0% for 23 mths
Balance Transfer Fee: N/A
Purchase Rate: 0% for 23 mths
Representative APR
Purchases: 12.7% p.a. (variable)
Representative Example: 0% p.a. on card purchases for 23 months followed by 12.7% p.a. (variable) on card purchases. This is equivalent to 18.4% APR Representative (variable) based on an assumed credit limit of £1,200. Monthly fee: £3.
Annual Rates
Balance Transfers: 18.4% p.a. (variable)
Cash Advance: 29.9% p.a. (variable)
Annual Fee: £3p.m
Standard Features
Credit Limit: £16,000
Interest Free Days: Up to 56 days
On-Line Banking: Yes
Cashback
Standard Cashback Rate: 1-3%
Approval Criteria
  • You are at least 18 years of age;
  • You have had a permanent UK address for at least the last 3 years;
  • You do not have a history of bad credit (in other words, county court judgements or bankruptcy);
  • You have an income in excess of £7,500.
Introductory Offer
Balance Transfer Rate: 0% for 15 mths
Balance Transfer Fee: N/A
Purchase Rate: 0% for 15 mths
Representative APR
Purchases: 18.9% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 18.9% (variable) your Representative APR will be 18.9% (variable).
Annual Rates
Balance Transfers: 18.9% p.a. (variable)
Cash Advance: 22.8% p.a. (variable)
Annual Fee: N/A
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 56 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 years of age;
  • You have had a permanent UK address for at least the last 3 years;
  • You do not have a history of bad credit (in other words, county court judgements or bankruptcy);
  • You have an income in excess of £7,500.

Advice

A fee of 3.0% will be applied, then reduced to 2.55% by a refund.

Introductory Offer
Balance Transfer Rate: 0% for 37 mths
Balance Transfer Fee: 2.55% fee
Purchase Rate: 0% for 6 mths
Representative APR
Purchases: 18.9% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 18.95% (variable) your Representative APR will be 18.9% (variable).
Annual Rates
Balance Transfers: 18.9% p.a. (variable)
Balance Transfer Fee: 3% p.a.
Cash Advance: 18.95% p.a. (variable)
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 56 days
On-Line Banking: Yes
Approval Criteria
  • You earn at least £20,000 per year
  • You are at least 18 Years of Age
  • You are a permanent resident/citizen of the UK
  • You have NOT been declined for a Halifax or Bank of Scotland Credit Card in the last 6 months
  • You DO NOT any CCJs or have been made Bankrupt
  • You have NOT missed payments on your current store cards, credit cards, loans or mortgages
  • You ARE in employment (receiving an annual salary)
  • You can provide a telephone number that you can be contacted on

Advice

A fee of 3.0% will be applied, then reduced to 1% by a refund.

Introductory Offer
Balance Transfer Rate: 0% for 28 mths
Balance Transfer Fee: 1% fee
Purchase Rate: 0% for 12 mths
Representative APR
Purchases: 18.9% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 18.95% (variable) your Representative APR will be 18.9% (variable).
Annual Rates
Balance Transfers: 18.9% p.a. (variable)
Balance Transfer Fee: 3% p.a.
Cash Advance: 18.95% p.a. (variable)
Annual Fee: N/A
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 56 days
On-Line Banking: Yes
Approval Criteria
  • You earn at least £20,000 per year
  • You are at least 18 Years of Age
  • You are a permanent resident/citizen of the UK
  • You have NOT been declined for a Halifax or Bank of Scotland Credit Card in the last 6 months
  • You DO NOT any CCJs or have been made Bankrupt
  • You have NOT missed payments on your current store cards, credit cards, loans or mortgages
  • You ARE in employment (receiving an annual salary)
  • You can provide a telephone number that you can be contacted on

Advice

Bank of Scotland will refund 50% of your balance transfer fee bringing the fee down to only £100.

Introductory Offer
Balance Transfer Rate: 0% for 28 mths
Balance Transfer Fee: 2.50% fee
Purchase Rate: 0% for 12 mths
Representative APR
Purchases: 18.9% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 18.95% (variable) your Representative APR will be 18.9% (variable).
Annual Rates
Balance Transfers: 18.9% p.a. (variable)
Balance Transfer Fee: 3% p.a.
Cash Advance: 27.9% p.a. (variable)
Annual Fee: N/A
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 56 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You are a permanent resident/citizen of the UK
  • You have NOT been declined for a Halifax or Bank of Scotland Credit Card in the last 6 months
  • You DO NOT any CCJs or have been made Bankrupt
  • You have NOT missed payments on your current store cards, credit cards, loans or mortgages
  • You ARE in employment (receiving an annual salary)
  • You can provide a telephone number that you can be contacted on

Advice

Though there is a 3% fee on balance transfers, through a refund of 2.3% this will effectively be a 0.7% charge over time.

Introductory Offer
Balance Transfer Rate: 0% for 28 mths
Balance Transfer Fee: 0.70% fee
Purchase Rate: 0% for 3 mths
Representative APR
Purchases: 18.9% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 18.9% p.a (variable) your representative rate will be 18.9% APR (variable)
Annual Rates
Balance Transfers: 18.9% p.a. (variable)
Balance Transfer Fee: 3% p.a.
Cash Advance: 18.95% p.a. (variable)
Annual Fee: N/A
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 56 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of the UK
  • You have a bank or building society account