Credit Cards

Compare all of the leading UK Credit Cards. Get 24 months 0% on balance transfers and interest rates from only 7.9% APR. Let us help you choose the right card for you!

Compare Credit Card Features

Credit Cards

Editors Choice - Barclaycard Platinum - 0% for 24 months

Not only do Barclaycard offer a market beating 0% on Balance Transfers for 24 months, they also offer 0% for first 3 months on any purchases made...

More Info >

Popular Credit Cards for 0% Balance Transfers & Purchases

Card
Issuer
Balance Transfers
Purchases
Representative APR (variable)
Apply
Barclaycard Platinum
Rate 0%
Duration 24 mths
Fee 3.20%
Rate 0%
Duration 3 mths
17.9%
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More Info
Representative Example: If you spend £1,200 at a purchase interest rate of 17.5% (variable) your Representative APR will be 17.5% (variable).
Halifax Balance Transfer Card
Rate 0%
Duration 22 mths
Fee 3.50%
Rate 0%
Duration 3 mths
17.95%
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More Info
Representative Example: If you spend £1,200 at a purchase interest rate of 17.95% (variable) your Representative APR will be 17.9% (variable).
Barclaycard Platinum (21 Month BT)
Rate 0%
Duration 21 mths
Fee 2.60%
Rate 0%
Duration 3 mths
17.9%
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More Info
Representative Example: If you spend £1,200 at a purchase interest rate of 17.9% (variable) your Representative APR will be 17.9% (variable).
Virgin Credit Card
Rate 0%
Duration 20 mths
Fee 2.99%
Rate 0%
Duration 3 mths
16.8%
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More Info
Representative Example: If you spend £1,200 at a purchase interest rate of 16.8% (variable) your Representative APR will be 16.8% (variable).
NatWest Platinum
Rate 0%
Duration 20 mths
Fee 2.90%
Rate 0%
Duration 6 mths
17.9%
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More Info
Representative Example: If you spend £1,200 at a purchase interest rate of 17.95% (variable) your Representative APR will be 17.9% (variable).
RBS Platinum
Rate 0%
Duration 20 mths
Fee 2.90%
Rate 0%
Duration 6 mths
17.9%
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More Info
Representative Example: If you spend £1,200 at a purchase interest rate of 17.95% (variable) your Representative APR will be 17.9% (variable).
HSBC Credit Card
Rate 0%
Duration 23 mths
Fee 3.30%
Rate 0%
Duration 3 mths
17.9%
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More Info
Representative Example: If you spend £1,200 at a purchase interest rate of 16.9% (variable) your Representative APR will be 16.9% (variable).
Halifax 20 Month BT Card
Rate 0%
Duration 20 mths
Fee 3%
Rate 0%
Duration 3 mths
16.9%
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More Info
Representative Example: If you spend £1,200 at a purchase interest rate of 17.95% (variable) your Representative APR will be 17.9% (variable).
Bank of Scotland Plus Credit Card
Rate 0%
Duration 18 mths
Fee 3%
Rate 0%
Duration 3 mths
16.9%
Apply >
More Info
Representative Example: If you spend £1,200 at a purchase interest rate of 16.94% (variable) your Representative APR will be 16.9% (variable).
Nationwide Credit Card
Rate 0%
Duration 17 mths
Fee 2.95%
Rate 0%
Duration 3 mths
15.9%
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More Info
Representative Example: If you spend £1,200 at a purchase interest rate of 15.9% (variable) your Representative APR will be 15.9% (variable).
Sainsbury's Finance Credit Card
Rate 0%
Duration 12 mths
Fee 3%
Rate 0%
Duration 12 mths
16.9%
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More Info
Representative Example: If you spend £1,200 at a purchase interest rate of 16.94% (variable) your Representative APR will be 16.9% (variable).
Sainsbury's Finance Nectar Credit Card
Rate 0%
Duration 15 mths
Fee 3%
Rate 0%
Duration 6 mths
16.9%
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More Info
Representative Example: If you spend £1,200 at a purchase interest rate of 16.94% (variable) your Representative APR will be 16.9% (variable).
Tesco Clubcard Credit Card
Rate 0%
Duration 9 mths
Fee 2.90%
Rate 0%
Duration 15 mths
16.9%
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More Info
Representative Example: If you spend £1,200 at a purchase interest rate of 16.9% (variable) your Representative APR will be 16.9% (variable).
MBNA Play.com Credit Card
Rate 0%
Duration 6 mths
Fee 1.50%
Rate 0%
Duration 9 mths
16.9%
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More Info
Representative Example: Representative 16.9% APR variable. Based on no annual fee, assumed borrowing of £1,200, rate of interest variable (annual) 16.9%
Halifax All In One
Rate 0%
Duration 15 mths
Fee 3%
Rate 0%
Duration 15 mths
17.9%
Apply >
More Info
Representative Example: If you spend £1,200 at a purchase interest rate of 17.95% (variable) your Representative APR will be 17.9% (variable).
Bank of Scotland All In One
Rate 0%
Duration 12 mths
Fee 3%
Rate 0%
Duration 12 mths
17.9%
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More Info
Representative Example: If you spend £1,200 at a purchase interest rate of 17.95% (variable) your Representative APR will be 17.9% (variable).
Lloyds TSB Platinum
Rate 0%
Duration 15 mths
Fee 3%
Rate 0%
Duration 3 mths
17.9%
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More Info
Representative Example: If you spend £1,200 at a purchase interest rate of 17.95% (variable) your Representative APR will be 17.9% (variable).
Barclaycard Platinum (Low Fee)
Rate 0%
Duration 16 mths
Fee 1.60%
Rate 0%
Duration 3 mths
18.9%
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More Info
Representative Example: If you spend £1,200 at a purchase interest rate of 18.9% (variable) your Representative APR will be 18.9% (variable).
Barclaycard Gold
Rate 0%
Duration until Sep 2012
Fee 2.50%
Rate N/A
Duration N/A
19.9%
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More Info
Representative Example: If you spend £1,200 at a purchase interest rate of 19.9% (variable) your Representative APR will be 19.9% (variable).
Post Office Mastercard
Rate 0%
Duration 14 mths
Fee 2.98%
Rate 0%
Duration 3 mths
16.9%
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More Info
Representative Example: Representative 16.9% APR variable. Based on no annual fee, assumed borrowing of £1,200, rate of interest variable (annual) 16.9%
Sainsbury's Finance Low Rate Credit Card
Rate N/A
Duration N/A
Fee N/A
Rate N/A
Duration N/A
6.90%
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More Info
Representative Example: If you spend £1,200 at a purchase interest rate of 6.95% (variable) your Representative APR will be 6.9% (variable).
Barclaycard Simplicity
Rate N/A
Duration N/A
Fee N/A
Rate N/A
Duration N/A
7.90%
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More Info
Representative Example: If you spend £1,200 at a purchase interest rate of 7.9% (variable) your Representative APR will be 7.9% (variable).
Lloyds TSB Advanced Mastercard
Rate 4.90%
Duration 12 mths
Fee 1.50%
Rate 0%
Duration 6 mths
11.9%
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More Info
Representative Example: If you spend £1,200 at a purchase interest rate of 11.95% (variable) your Representative APR will be 11.9% (variable).
Amex Platinum Cash Back
Rate N/A
Duration N/A
Fee N/A
Rate 0%
Duration 6 mths
18.5%
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More Info
Representative Example: If you spend £1,200 at an annual interest rate of 14.0% (variable) with a £25 annual Fee your Representative APR will be 18.5% (variable).
AA Balance Transfer Credit Card
Rate 0%
Duration 16 mths
Fee 3%
Rate 0%
Duration 3 mths
17.9%
Apply >
More Info
Representative Example: If you spend £1,200 at a purchase interest rate of 17.9% (variable) your Representative APR will be 17.9% (variable).
AA Credit Card
Rate 0%
Duration 12 mths
Fee 3%
Rate 0%
Duration 10 mths
16.9%
Apply >
More Info
Representative Example: If you spend £1,200 at a purchase interest rate of 17.9% (variable) your Representative APR will be 17.9% (variable).

Barclaycard Platinum

Introductory Offer
Balance Transfer Rate: 0% for 24 mths
Balance Transfer Fee: 3.20%
Purchase Rate: 0% for 3 mths
Representative APR
Purchases: 17.9% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 17.5% (variable) your Representative APR will be 17.5% (variable).
Annual Rates
Balance Transfers: 17.9% p.a.
Balance Transfer Fee: 3.20% p.a.
Cash Advance: 27.9% p.a.
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 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

Halifax Balance Transfer Card

Introductory Offer
Balance Transfer Rate: 0% for 22 mths
Balance Transfer Fee: 3.50%
Purchase Rate: 0% for 3 mths
Representative APR
Purchases: 17.95% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 17.95% (variable) your Representative APR will be 17.9% (variable).
Annual Rates
Balance Transfers: 17.95% p.a.
Balance Transfer Fee: 3.50% p.a.
Cash Advance: 27.95% p.a.
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

Barclaycard Platinum (21 Month BT)

Advice

Plus 0.4% off your balance transfer fee; making this equivalent to 2.6% (terms and conditions apply)

Introductory Offer
Balance Transfer Rate: 0% for 21 mths
Balance Transfer Fee: 2.60%
Purchase Rate: 0% for 3 mths
Representative APR
Purchases: 17.9% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 17.9% (variable) your Representative APR will be 17.9% (variable).
Annual Rates
Balance Transfers: 17.9% p.a.
Balance Transfer Fee: 3% p.a.
Cash Advance: 27.9% p.a.
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 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

Virgin Credit Card

Advice

Virgin Credit Card now uses the 'PayPass service' meaning you can pay for items of £15 or less without having to key in your PIN, simply by hold the card close to a card reader to make the transaction!!!

Introductory Offer
Balance Transfer Rate: 0% for 20 mths
Balance Transfer Fee: 2.99%
Purchase Rate: 0% for 3 mths
Representative APR
Purchases: 16.8% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 16.8% (variable) your Representative APR will be 16.8% (variable).
Annual Rates
Balance Transfers: 16.8% p.a.
Cash Advance: 24.9% p.a.
Annual Fee: N/A
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 50 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 25 Years of Age
  • You have a Good Credit History
  • You are in full time employment
  • You are a permanent resident/citizen of the UK
  • You have a Bank or Building society account

NatWest Platinum

Introductory Offer
Balance Transfer Rate: 0% for 20 mths
Balance Transfer Fee: 2.90%
Purchase Rate: 0% for 6 mths
Representative APR
Purchases: 17.9% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 17.95% (variable) your Representative APR will be 17.9% (variable).
Annual Rates
Balance Transfers: 17.9% p.a.
Cash Advance: 24.9% p.a.
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 an existing NatWest Current A/C
  • 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

RBS Platinum

Introductory Offer
Balance Transfer Rate: 0% for 20 mths
Balance Transfer Fee: 2.90%
Purchase Rate: 0% for 6 mths
Representative APR
Purchases: 17.9% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 17.95% (variable) your Representative APR will be 17.9% (variable).
Annual Rates
Balance Transfers: 17.9% p.a.
Cash Advance: 24.9% p.a.
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 an exisiting RBS Current A/C
  • 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

HSBC Credit Card

Introductory Offer
Balance Transfer Rate: 0% for 23 mths
Balance Transfer Fee: 3.30%
Purchase Rate: 0% for 3 mths
Representative APR
Purchases: 17.9% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 16.9% (variable) your Representative APR will be 16.9% (variable).
Annual Rates
Balance Transfers: 17.9% p.a.
Cash Advance: 24.7% p.a.
Annual Fee: N/A
Standard Features
Credit Limit: Subject Status
Interest Free Days: Up to 56 days
On-Line Banking: Yes
Approval Criteria
  • YOU MUST BE AN EXISTING HSBC CUSTOMER TO APPLY FOR THIS OFFER!
  • You have an HSBC current account, pay more than £500 monthly into your current account and have a salary of £8,500 or more.
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You have been a permanent resident/citizen of the UK for atleast the last 3 years
  • You have a bank or building society account

Halifax 20 Month BT Card

Introductory Offer
Balance Transfer Rate: 0% for 20 mths
Balance Transfer Fee: 3%
Purchase Rate: 0% for 3 mths
Representative APR
Purchases: 16.9% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 17.95% (variable) your Representative APR will be 17.9% (variable).
Annual Rates
Balance Transfers: 16.94% p.a.
Balance Transfer Fee: 3% p.a.
Cash Advance: 23.95% p.a.
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

Bank of Scotland Plus Credit Card

Introductory Offer
Balance Transfer Rate: 0% for 18 mths
Balance Transfer Fee: 3%
Purchase Rate: 0% for 3 mths
Representative APR
Purchases: 16.9% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 16.94% (variable) your Representative APR will be 16.9% (variable).
Annual Rates
Balance Transfers: 16.9% p.a.
Balance Transfer Fee: 3% p.a.
Cash Advance: 27.9% p.a.
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

Nationwide Credit Card

Advice

Balance transfers offer is only applicable to transfers made in the first 3 months of account opening and are subject to a 2.95% Balance Transfer fee (£3 Minimum). Also, get commission free card purchases abroad!!

Introductory Offer
Balance Transfer Rate: 0% for 17 mths
Balance Transfer Fee: 2.95%
Purchase Rate: 0% for 3 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.
Cash Advance: 27.9% p.a.
Annual Fee: N/A
Standard Features
Credit Limit: £25,000
Interest Free Days: Up to 56 days
On-Line Banking: Yes
Approval Criteria
  • 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

Sainsbury's Finance Credit Card

Advice

Get 12 months 0% on all Purchases and Balance Transfers. Plus, earn up to 4 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 12 mths
Balance Transfer Fee: 3%
Purchase Rate: 0% for 12 mths
Representative APR
Purchases: 16.9% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 16.94% (variable) your Representative APR will be 16.9% (variable).
Annual Rates
Balance Transfers: 16.9% p.a.
Cash Advance: 24.9% p.a.
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

Sainsbury's Finance Nectar Credit Card

Advice

Earn up to 4 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 15 mths
Balance Transfer Fee: 3%
Purchase Rate: 0% for 6 mths
Representative APR
Purchases: 16.9% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 16.94% (variable) your Representative APR will be 16.9% (variable).
Annual Rates
Balance Transfers: 16.9% p.a.
Cash Advance: 24.9% p.a.
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

Tesco Clubcard Credit Card

Advice

Collect 1 Clubcard point for every £4 you spend on your Clubcard Credit Card anywhere in the world. Plus, your card doubles as a Clubcard. So when you use your Clubcard Credit Card to pay at Tesco, not only will you get 1 point for every £4 you spend, you will also collect points from Clubcard!

Introductory Offer
Balance Transfer Rate: 0% for 9 mths
Balance Transfer Fee: 2.90%
Purchase Rate: 0% for 15 mths
Representative APR
Purchases: 16.9% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 16.9% (variable) your Representative APR will be 16.9% (variable).
Annual Rates
Balance Transfers: 16.9% p.a.
Balance Transfer Fee: 2.90% p.a.
Cash Advance: 24.94% p.a.
Annual Fee: N/A
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 51 days
On-Line Banking: Yes
Approval Criteria
  • You have an excellent Credit History
  • You are at least 18 Years of Age
  • You are a permanent resident/citizen of the UK
  • You have a bank or building society account
  • You have a gross annual income of £5,000+

MBNA Play.com Credit Card

Advice

Receive 1,500 bonus Play Points if you spend £150 on your card within 90 days of your account opening - you can redeem these Points for a £15 Voucher!

Introductory Offer
Balance Transfer Rate: 0% for 6 mths
Balance Transfer Fee: 1.50%
Purchase Rate: 0% for 9 mths
Representative APR
Purchases: 16.9% p.a. (variable)
Representative Example: Representative 16.9% APR variable. Based on no annual fee, assumed borrowing of £1,200, rate of interest variable (annual) 16.9%
Annual Rates
Balance Transfers: 16.9% p.a.
Cash Advance: 27.9% p.a.
Annual Fee: N/A
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 50 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

Halifax All In One

Advice

Currently offered are three APRs depending on circumstance – 17.9%, 21.9% and 23.9%. If you are accepted at the highest rate of 23.9% APR variable you may not be offered an introductory period on balance transfers and purchases.

Introductory Offer
Balance Transfer Rate: 0% for 15 mths
Balance Transfer Fee: 3%
Purchase Rate: 0% for 15 mths
Representative APR
Purchases: 17.9% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 17.95% (variable) your Representative APR will be 17.9% (variable).
Annual Rates
Balance Transfers: 17.9% p.a.
Balance Transfer Fee: 3% p.a.
Cash Advance: 27.9% p.a.
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

Bank of Scotland All In One

Introductory Offer
Balance Transfer Rate: 0% for 12 mths
Balance Transfer Fee: 3%
Purchase Rate: 0% for 12 mths
Representative APR
Purchases: 17.9% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 17.95% (variable) your Representative APR will be 17.9% (variable).
Annual Rates
Balance Transfers: 17.9% p.a.
Balance Transfer Fee: 3% p.a.
Cash Advance: 27.9% p.a.
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

Lloyds TSB Platinum

Advice

Keep track of your money across your Lloyds TSB personal current and credit card accounts with Money Manager and Active Account Monitoring to spot any suspicious spending.

Introductory Offer
Balance Transfer Rate: 0% for 15 mths
Balance Transfer Fee: 3%
Purchase Rate: 0% for 3 mths
Representative APR
Purchases: 17.9% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 17.95% (variable) your Representative APR will be 17.9% (variable).
Annual Rates
Balance Transfers: 17.9% p.a.
Cash Advance: 27.9% p.a.
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

Barclaycard Platinum (Low Fee)

Introductory Offer
Balance Transfer Rate: 0% for 16 mths
Balance Transfer Fee: 1.60%
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% (variable) your Representative APR will be 18.9% (variable).
Annual Rates
Balance Transfers: 18.9% p.a.
Balance Transfer Fee: 2.10% p.a.
Cash Advance: 27.9% p.a.
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 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

Barclaycard Gold

Introductory Offer
Balance Transfer Rate: 0% for until Sep 2012
Balance Transfer Fee: 2.50%
Purchase Rate: N/A
Representative APR
Purchases: 19.9% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 19.9% (variable) your Representative APR will be 19.9% (variable).
Annual Rates
Balance Transfers: 19.9% p.a.
Cash Advance: 27.9% p.a.
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 haven't missed multiple payments on a credit agreement within the last 12 months
  • You don't have a CCJ (County Court Judgement) or IVA (Individual Voluntary Arrangement) and haven't been registered bankrupt
  • You don't already have a Barclaycard
  • You are a permanent resident/citizen of the UK
  • You have a bank or building society account
  • You have an income over £10,000 p.a

Post Office Mastercard

Advice

Get 0% commission on credit card purchases overseas (usually 2.75% charge)!!

Introductory Offer
Balance Transfer Rate: 0% for 14 mths
Balance Transfer Fee: 2.98%
Purchase Rate: 0% for 3 mths
Representative APR
Purchases: 16.9% p.a. (variable)
Representative Example: Representative 16.9% APR variable. Based on no annual fee, assumed borrowing of £1,200, rate of interest variable (annual) 16.9%
Annual Rates
Balance Transfers: 16.9% p.a.
Cash Advance: 24.1% p.a.
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 an income over £8,000 p.a

Sainsbury's Finance Low Rate Credit Card

Advice

There are no balance transfer fees when transferring a balance from another card. Plus, earn up to 4 Nectar points for every £1 you spend in Sainsbury's stores and online for the first two years.

Introductory Offer
Balance Transfer Rate: N/A
Balance Transfer Fee: N/A
Purchase Rate: N/A
Representative APR
Purchases: 6.90% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 6.95% (variable) your Representative APR will be 6.9% (variable).
Annual Rates
Balance Transfers: 6.90% p.a.
Cash Advance: 24.9% p.a.
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

Barclaycard Simplicity

Advice

Get 7.9% Representative APR (variable)
(Applies to every purchase and/or balance transfer you make)
No balance transfer handling fee!

Introductory Offer
Balance Transfer Rate: N/A
Balance Transfer Fee: N/A
Purchase Rate: N/A
Representative APR
Purchases: 7.90% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 7.9% (variable) your Representative APR will be 7.9% (variable).
Annual Rates
Balance Transfers: 7.90% p.a.
Cash Advance: 15.8% p.a.
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 21 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 £20,000 p.a

Lloyds TSB Advanced Mastercard

Advice

You must spend a minimum of £100 in the 1st 3 months or the 6 month 0% purchase duration is reduced to 3 months only. Keep track of your money across your Lloyds TSB personal current and credit card accounts with Money Manager and Active Account Monitoring to spot any suspicious spending.

Introductory Offer
Balance Transfer Rate: 4.90% for 12 mths
Balance Transfer Fee: 1.50%
Purchase Rate: 0% for 6 mths
Representative APR
Purchases: 11.9% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 11.95% (variable) your Representative APR will be 11.9% (variable).
Annual Rates
Balance Transfers: 11.9% p.a.
Cash Advance: 24.9% p.a.
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

Amex Platinum Cash Back

Advice

Not only do you get 6 months 0% on purchases, you also get 2.5% cashback on up to £2,000 spend within 1st 3 months (Max £100). After this you can earn cashback rates of 1.25% with NO spend limit!!

Introductory Offer
Balance Transfer Rate: N/A
Balance Transfer Fee: N/A
Purchase Rate: 0% for 6 mths
Representative APR
Purchases: 18.5% p.a. (variable)
Representative Example: If you spend £1,200 at an annual interest rate of 14.0% (variable) with a £25 annual Fee your Representative APR will be 18.5% (variable).
Annual Rates
Balance Transfers: 18.5% p.a.
Cash Advance: 22.9% p.a.
Annual Fee: £25 p.a.
Standard Features
Credit Limit: £50,000
Interest Free Days: Up to 56 days
On-Line Banking: Yes
Cashback
Introductory Cashback Rate: 2.50% p.a.3 mths
Standard Cashback Rate: 1.25%
Approval Criteria
  • I am aged 18 or over
  • I have a current UK bank or building society account
  • I have a permanent UK home address
  • I have a household income of at least £30,000
  • I have no history of bad debt
  • If self-employed, I have been working for more than one year.

AA Balance Transfer Credit Card

Advice

Earn AA Reward Points on your everyday card purchases, and earn double points on motoring, fuel and AA products. Use your points to purchase from a range of motoring products and services.

Introductory Offer
Balance Transfer Rate: 0% for 16 mths
Balance Transfer Fee: 3%
Purchase Rate: 0% for 3 mths
Representative APR
Purchases: 17.9% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 17.9% (variable) your Representative APR will be 17.9% (variable).
Annual Rates
Balance Transfers: 17.9% p.a.
Cash Advance: 22.9% p.a.
Annual Fee: N/A
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 58 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

AA Credit Card

Advice

Earn AA Reward Points on your everyday card purchases, and earn double points on motoring, fuel and AA products. Use your points to purchase from a range of motoring products and services.

Introductory Offer
Balance Transfer Rate: 0% for 12 mths
Balance Transfer Fee: 3%
Purchase Rate: 0% for 10 mths
Representative APR
Purchases: 16.9% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 17.9% (variable) your Representative APR will be 17.9% (variable).
Annual Rates
Balance Transfers: 16.9% p.a.
Cash Advance: 22.9% p.a.
Annual Fee: N/A
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 58 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

Popular Credit Cards for a Poor Credit History

Card
Issuer
Credit Limit
CCJ's Accepted
Representative APR
Apply
Capital One Classic
£100 - £1500
Yes
34.9%
Apply >
More Info
Representative Example: If you spend £1,200 at a purchase interest rate of 34.94% (variable) your Representative APR will be 34.9% (variable).
Vanquis Visa Card
up to £1000
No
39.94%
Apply >
More Info
Representative Example: If you spend £1,000 at a purchase interest rate of 39.94% (variable) your Representative APR will be 39.9% (variable).

Capital One Classic

Advice

Credit limits start low but will rise after first 4 on-time and in-full minimum payments. Subject to status each application is judged individually.

Introductory Offer
Balance Transfer Rate: N/A
Balance Transfer Fee: N/A
Purchase Rate: N/A
Representative APR
Purchases: 34.9% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 34.94% (variable) your Representative APR will be 34.9% (variable).
Annual Rates
Balance Transfers: 34.9% p.a.
Balance Transfer Fee: 3% p.a.
Cash Advance: 34.9% p.a.
Annual Fee: N/A
Standard Features
Credit Limit: £100 - £1500
Interest Free Days: Up to 56 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You have some history of managing your credit even if you have had CCJs or defaults in the past
  • You're on the electoral roll
  • You have not been declared bankrupt in the last 12 months
  • You are a permanent resident/citizen of the UK
  • You have a bank or building society account
  • Any Income Considered

Vanquis Visa Card

Advice

Credit limits start quite low around £1000 but will rise after credit has been handled responsibly. Subject to status each application is judged individually

Introductory Offer
Balance Transfer Rate: N/A
Balance Transfer Fee: N/A
Purchase Rate: N/A
Representative APR
Purchases: 39.94% p.a. (variable)
Representative Example: If you spend £1,000 at a purchase interest rate of 39.94% (variable) your Representative APR will be 39.9% (variable).
Annual Rates
Balance Transfers: N/A
Cash Advance: 39.94% p.a.
Annual Fee: N/A
Standard Features
Credit Limit: up to £1000
Interest Free Days: Up to 56 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You are possibly new to credit or have had a Poor Credit History
  • You ARE need to be permanent resident/citizen of the UK
  • You DO NOT need a bank or building society account
  • Any Income Considered

Popular Credit Cards for Cashback

Card
Issuer
Cash Back Rate
Cash Back Paid
Payment Method
Apply
Capital One World Mastercard
Intro 5%
Duration 3 mths
Ongoing 1.25%
Annually
Deposit on Card
Apply >
More Info
Representative Example: If you spend £1,200 at a purchase interest rate of 19.94% (variable) your Representative APR will be 19.9% (variable).
Amex Platinum Cash Back
Intro 2.50%
Duration 3 mths
Ongoing 1.25%
Annually
Deposit on Card
Apply >
More Info
Representative Example: If you spend £1,200 at an annual interest rate of 14.0% (variable) with a £25 annual Fee your Representative APR will be 18.5% (variable).
Santander 123 Cashback Card
Intro N/A
Duration N/A
Ongoing 1-3%
Monthly
Deposit on Card
Apply >
More Info
Representative Example: If you spend £1,200 at a purchase interest rate of 18.9% (variable) with a £24 annual Fee your Representative APR will be 22.8% (variable).

Capital One World Mastercard

Advice

Earn 5% cashback on purchases for your first 3 months (max £100) and up to 1.25% unlimited cashback thereafter!!

Introductory Offer
Balance Transfer Rate: N/A
Balance Transfer Fee: N/A
Purchase Rate: N/A
Representative APR
Purchases: 19.9% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 19.94% (variable) your Representative APR will be 19.9% (variable).
Annual Rates
Balance Transfers: 19.9% p.a.
Balance Transfer Fee: 3% p.a.
Cash Advance: 19.9% p.a.
Annual Fee: £18 p.a.
Standard Features
Credit Limit: £4,500 - £7500
Interest Free Days: Up to 45 days
On-Line Banking: Yes
Cashback
Introductory Cashback Rate: 5% p.a.3 mths
Standard Cashback Rate: 1.25%
Approval Criteria
  • You're aged 21 or over
  • You have an income of more than £20,000 per annum
  • You've had no CCJs or defaults in the past
  • You don't already have a Capital One credit card but have had other credit cards

Amex Platinum Cash Back

Advice

Not only do you get 6 months 0% on purchases, you also get 2.5% cashback on up to £2,000 spend within 1st 3 months (Max £100). After this you can earn cashback rates of 1.25% with NO spend limit!!

Introductory Offer
Balance Transfer Rate: N/A
Balance Transfer Fee: N/A
Purchase Rate: 0% for 6 mths
Representative APR
Purchases: 18.5% p.a. (variable)
Representative Example: If you spend £1,200 at an annual interest rate of 14.0% (variable) with a £25 annual Fee your Representative APR will be 18.5% (variable).
Annual Rates
Balance Transfers: 18.5% p.a.
Cash Advance: 22.9% p.a.
Annual Fee: £25 p.a.
Standard Features
Credit Limit: £50,000
Interest Free Days: Up to 56 days
On-Line Banking: Yes
Cashback
Introductory Cashback Rate: 2.50% p.a.3 mths
Standard Cashback Rate: 1.25%
Approval Criteria
  • I am aged 18 or over
  • I have a current UK bank or building society account
  • I have a permanent UK home address
  • I have a household income of at least £30,000
  • I have no history of bad debt
  • If self-employed, I have been working for more than one year.

Santander 123 Cashback Card

Advice

Earn 1% Cashback at Supermarkets, Earn 2% Cashback at Department Stores, Earn 3% Cashback at Petrol Stations (£300 monthly spend cap applies).

Introductory Offer
Balance Transfer Rate: N/A
Balance Transfer Fee: N/A
Purchase Rate: N/A
Representative APR
Purchases: 18.9% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 18.9% (variable) with a £24 annual Fee your Representative APR will be 22.8% (variable).
Annual Rates
Balance Transfers: 15.9% p.a.
Cash Advance: 22.8% p.a.
Annual Fee: £24
Standard Features
Credit Limit: £16,000
Interest Free Days: Up to 45 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.

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Make sure that you choose the right Credit Card 4 U

Credit Cards: Frequently Asked Questions


What are credit cards?

Credit cards are a useful and widely used facility allowing consumers to spread the cost of purchases over a longer period of time. By paying off the balance regularly, little interest will be payable, which makes credit cards a cheap and convenient payment device.

Why is my credit history important?

Credit records are held by reference agencies to help creditors determine whether an individual is reliable in making repayments. It is important, therefore, that you use credit cards responsibly. Repayment difficulties could damage your credit history, making it difficult to gain approval for future credit, which includes loans or mortgages.

How can I avoid paying any interest / charges on my credit card?

Interest is avoided by paying off the balance regularly, before the point at which it begins to apply. Avoid penalty charges by always making at least the minimum payment before the end of the billing period.

What types of credit card are available?

There are several types of credit cards, all designed to suit different sets of requirements. Those looking to pay off existing credit card debts at a lower rate may benefit from a balance transfer credit card, which allows existing debts to be consolidated at 0% interest for a period for 12 months or more. Spending can be made more affordable by a low rate credit card, while those who spend regularly on their card could benefit from a reward credit card. Applicants disadvantaged by a poor credit history can find cards at a higher interest rate until their credit record improves. Visit the separate pages via the main ‘Credit Card’ tab above for more details about each card.

 

Credit Cards: An Express Guide

[Does one of these statements fit your credit card use? If not, contact us and tell us what's missing]

"I’m looking for the cheapest way to reduce my credit card balance":

A 0% balance transfer can help you to reduce your existing credit card debt in return for a small fee. If your balance has not been cleared by the end of the 0% period, you can apply to transfer your balance again to another supplier.

"I’m always carrying a balance on my credit cards":

For those who prefer not to pay off their credit card balance each month, or who are unable to do so, a low rate credit card ensures an affordable low rate of interest compared to the premium rates that follow the expiry of introductory offers.

"I'm always spending on my credit card":

Reward credit cards have loyalty schemes that offer rewards for spending. Accumulated credit card points can go towards a range of products and services, including retail vouchers and airmiles. You could also benefit from a cashback credit card if you pay off enough of the balance to ensure that the interest doesn't offset the benefits.

"I spend hundreds, if not thousands, on my credit card every month":

While large spenders can also benefit from reward credit cards, those with a good credit history can apply for a gold or platinum credit card, which offers generous credit limits and a host of incentives and loyalty bonuses. Alternatively, businesses and employers looking to save time and effort on their staff expenses could benefit from a business credit card.

"I often have to use my credit card overseas":

A travel credit card is ideal for the overseas traveller. Travel credit cards tend to offer very low rates of commission on foreign currency transactions, and often travel insurance too. If you're a frequent flyer, could you benefit from an airmiles credit card that will contribute towards the cost of future flights?

"I'm a full-time student. Can I apply for a credit card while I’m still in education?":

Yes! Though student credit cards tend not to offer long introductory deals, they remain an invaluable source of credit during university years. Providers often team up with relevant affiliates and companies to offer deals on useful products.

"I've never had a credit card before":

If you are without a credit history, or have a poor credit history, you may have to start on a higher-rate credit card to develop or improve your rating before you are able to take advantage of the benefits inherent with other credit card types.

 

Credit Cards: Glossary


0% Balance Transfers

Many credit card providers offer an introductory period for 0% balance transfers. Existing debt from another credit card (or cards) can be transferred into a new account which will remain interest free until the introductory period expires. This is a useful feature for paying off credit card debts more affordably.

0% Purchases

Many credit cards offer an introductory period during which no interest is payable on purchases. It is important to note when this period ends and what the subsequent interest rate will be.

APR

This is the Annual Percentage Rate (APR) that your balance is subject to, rather than a flat monthly fee.

Cashback

Some credit card providers offer cashback as an incentive for spending, and promise to reimburse a percentage of the value of your spending back onto your account.

Credit History

Credit history is a record of an individual's reliability in making repayments for past credit.

Interest Free Days

Most credit cards come with interest free days, the period during which the balance must be paid off to avoid interest.
 

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