Credit Cards

Compare all of the leading UK Credit Cards. Get up to 26 months 0% on balance transfers and interest rates from only 7.9% APR. Let us help you choose the right card for you!

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Credit Cards

Editors Choice - Barclaycard Platinum - 0% for 26 months

Not only do Barclaycard offer 0% on Balance Transfers for 26 months, they also offer 0% for 6 months on purchases..apply now!!

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Popular Credit Cards for 0% Balance Transfers & Purchases

Card	Issuer	Balance Transfers			Purchases		Representative APR (variable)	Apply
Card	Issuer
	Barclaycard Platinum (26 Month BT)	Rate 0%	Duration 26 mths	Fee 3.50%	Rate 0%	Duration 6 mths	Representative APR (variable)	Apply	18.9%	Apply > 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).									Apply > More Info

	NatWest Platinum	Rate 0%	Duration 24 mths	Fee 2.90%	Rate 0%	Duration 6 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).							Apply > More Info

	Barclaycard Platinum (25 Month BT)	Rate 0%	Duration 25 mths	Fee 2.80%	Rate 0%	Duration 6 mths	18.9%	Apply > 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).							Apply > More Info

	Lloyds TSB Platinum	Rate 0%	Duration 15 mths	Fee 1%	Rate 0%	Duration 3 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).							Apply > More Info

	RBS Platinum	Rate 0%	Duration 24 mths	Fee 2.90%	Rate 0%	Duration 6 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).							Apply > More Info

	Halifax 25 Month BT Card	Rate 0%	Duration 25 mths	Fee 2.50%	Rate 0%	Duration 3 mths	18.9%	Apply > More Info
	Representative Example: If you spend £1,200 at a purchase interest rate of 18.95% (variable) your Representative APR will be 18.9% (variable).							Apply > More Info

	Bank of Scotland Platinum Credit Card	Rate 0%	Duration 18 mths	Fee 1.50%	Rate 0%	Duration 3 mths	17.9%	Apply > More Info
	Representative Example: Representative 17.9% APR variable. Based on no annual fee, assumed borrowing of £1,200, rate of interest variable (annual) 17.9%							Apply > More Info

	Sainsbury's Finance Nectar Credit Card	Rate 0%	Duration 15 mths	Fee 3%	Rate 0%	Duration 6 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).							Apply > More Info

	Halifax All In One	Rate 0%	Duration 15 mths	Fee 1%	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).							Apply > More Info

	Barclaycard Gold	Rate 0%	Duration until Sep 2012	Fee 2.50%	Rate N/A	Duration N/A	19.9%	Apply > 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).							Apply > More Info

	Post Office Credit Card	Rate 0%	Duration 14 mths	Fee 2.98%	Rate 0%	Duration 3 mths	16.9%	Apply > 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%							Apply > More Info

	Sainsbury's Finance Low Rate Credit Card	Rate N/A	Duration N/A	Fee N/A	Rate N/A	Duration N/A	7.80%	Apply > More Info
	Representative Example: If you spend £1,200 at a purchase interest rate of 7.84% (variable) your Representative APR will be 7.8% (variable).							Apply > More Info

	Barclaycard Simplicity	Rate N/A	Duration N/A	Fee N/A	Rate N/A	Duration N/A	7.90%	Apply > 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).							Apply > More Info

	Lloyds TSB Advanced Mastercard	Rate 4.90%	Duration 12 mths	Fee 1.50%	Rate 0%	Duration 6 mths	11.9%	Apply > 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).							Apply > More Info

	Amex Platinum Cash Back	Rate N/A	Duration N/A	Fee N/A	Rate N/A	Duration N/A	18.7%	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).							Apply > More Info

Barclaycard Platinum (26 Month BT)

Introductory Offer
Balance Transfer Rate:	0% for 26 mths
Balance Transfer Fee:	3.50%
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 18.9% (variable) your Representative APR will be 18.9% (variable).
Annual Rates
Balance Transfers:	18.9% 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

NatWest Platinum

Introductory Offer
Balance Transfer Rate:	0% for 24 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

Barclaycard Platinum (25 Month BT)

Advice

Refund offer on the balance transfer handling fee, was 3.2% now 2.8% (terms and conditions apply)

Introductory Offer
Balance Transfer Rate:	0% for 25 mths
Balance Transfer Fee:	2.80%
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 18.9% (variable) your Representative APR will be 18.9% (variable).
Annual Rates
Balance Transfers:	18.9% 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

Lloyds TSB Platinum

Advice

3% Balance Transfer fee will be taken initially but an automatic refund will refund 2% of this fee within 60 days of the balance transfer completion.

Introductory Offer
Balance Transfer Rate:	0% for 15 mths
Balance Transfer Fee:	1%
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

RBS Platinum

Introductory Offer
Balance Transfer Rate:	0% for 24 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

Halifax 25 Month BT Card

Advice

The APR & length of the promotional offer are dependent on your circumstances.

Introductory Offer
Balance Transfer Rate:	0% for 25 mths
Balance Transfer Fee:	2.50%
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 18.95% (variable) your Representative APR will be 18.9% (variable).
Annual Rates
Balance Transfers:	18.9% 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 Platinum Credit Card

Advice

Apply before 23rd February and we will refund 50% of your balance transfer fee for balances transferred before 23rd March 2013!!

Introductory Offer
Balance Transfer Rate:	0% for 18 mths
Balance Transfer Fee:	1.50%
Purchase Rate:	0% for 3 mths
Representative APR
Purchases:	17.9% p.a. (variable)
Representative Example:	Representative 17.9% APR variable. Based on no annual fee, assumed borrowing of £1,200, rate of interest variable (annual) 17.9%
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

Sainsbury's Finance Nectar Credit Card

Advice

Earn up to Double Nectar points for every £1 you spend in Sainsbury's stores and online for the first two years. YOU MUST HAVE A NECTAR CARD IN ORDER TO APPLY FOR THIS CREDIT CARD (Nectar points are NOT earned using this Credit Card)

Introductory Offer
Balance Transfer Rate:	0% for 15 mths
Balance Transfer Fee:	3%
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 MUST HAVE A NECTAR CARD IN ORDER TO APPLY FOR THIS CREDIT CARD (Nectar points are NOT earned using this Credit Card) 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

Halifax All In One

Advice

Standard balance transfer fee is 3.0%. Apply before 25th June 2013 and Halifax will refund 2% bringing the fee down to only 1%.

Introductory Offer
Balance Transfer Rate:	0% for 15 mths
Balance Transfer Fee:	1%
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

Barclaycard Gold

Advice

Get ½ price fees on balance transfers – was 2.5% now 1.25%

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 Credit Card

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. Please note - Nectar points are NOT earned using this Credit Card. If you wish to collect Nectar points with your credit card you should apply for the 'Sainsburys Nectar Credit card'.

Introductory Offer
Balance Transfer Rate:	N/A
Balance Transfer Fee:	N/A
Purchase Rate:	N/A
Representative APR
Purchases:	7.80% p.a. (variable)
Representative Example:	If you spend £1,200 at a purchase interest rate of 7.84% (variable) your Representative APR will be 7.8% (variable).
Annual Rates
Balance Transfers:	7.80% 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 MUST HAVE A NECTAR CARD IN ORDER TO APPLY FOR THIS CREDIT CARD (Nectar points are NOT earned using this Credit Card) 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

Get 5% cashback in first 3 months of Cardmembership up to £2,000 (£100 cashback). After this you can earn cashback rates of 1.25% with NO tiers and NO spend limit!!

Introductory Offer
Balance Transfer Rate:	N/A
Balance Transfer Fee:	N/A
Purchase Rate:	N/A
Representative APR
Purchases:	18.7% 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:	18.7% 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:	5% 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 £20,000 I have no history of bad debt If self-employed, I have been working for more than one year.

Popular Credit Cards for a Poor Credit History

Issuer	Credit Limit	CCJ's Accepted	Representative APR	Apply

Aqua Advance Card	up to £1,600	Yes	34.9%	Apply > More Info
Representative Example: If you spend £1,200 at a purchase interest rate of 35.95% (variable) your Representative APR will be 34.9% (variable).				Apply > More Info

Aqua Classic Card	up to £1,600	Yes	29.73%	Apply > More Info
Representative Example: If you spend £1,200 at a purchase interest rate of 32.94% (variable) your Representative APR will be 32.9% (variable).				Apply > More Info

Aqua Classic Card	up to £1,600	Yes	39.95%	Apply > More Info
Representative Example: If you spend £1,200 at a purchase interest rate of 39.95% (variable) your Representative APR will be 39.9% (variable).				Apply > More Info

Capital One Classic	£200 - £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).				Apply > More Info

Vanquis Aquis Card	up to £1000	Yes	29.8%	Apply > More Info
Representative Example: If you spend £1,000 at a purchase interest rate of 29.9% (variable) your Representative APR will be 29.9% (variable).				Apply > More Info

Vanquis Visa Card	up to £1000	Yes	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).				Apply > More Info

Vanquis Black Diamond Visa Card (High Acceptance)	up to £1000	Yes	59.94%	Apply > More Info
Representative Example: If you spend £1,000 at a purchase interest rate of 59.94% (variable) your Representative APR will be 59.9% (variable).				Apply > More Info

Aqua Advance Card

Advice

The aqua Advance credit card offers the potential to reduce your interest rate by 15% over 3 years, providing you do not exceed your credit limit and make payments on time. This card offers you a high chance of acceptance with a poor credit history and then rewards you for handling your credit responsibly, perfect for rebuilding your credit history!

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 35.95% (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:	up to £1,600
Interest Free Days:	Up to 51 days
On-Line Banking:	Yes
Cashback
Standard Cashback Rate:	3%
Approval Criteria
Self-employed and unable to prove a regular income Working part time Full time mum or dad On a lower income New to the country or recently moved Not on the electoral roll at your current address Never had credit before Affected by previous County Court Judgments (CCJs) or defaults

Aqua Classic Card

Advice

Credit Limits up to £1,600 (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:	29.73% p.a. (variable)
Representative Example:	If you spend £1,200 at a purchase interest rate of 32.94% (variable) your Representative APR will be 32.9% (variable).
Annual Rates
Balance Transfers:	29.7% p.a.
Balance Transfer Fee:	3% p.a.
Cash Advance:	29.7% p.a.
Annual Fee:	N/A
Standard Features
Credit Limit:	up to £1,600
Interest Free Days:	Up to 51 days
On-Line Banking:	Yes
Approval Criteria
Self-employed and unable to prove a regular income Working part time Full time mum or dad On a lower income New to the country or recently moved Not on the electoral roll at your current address Never had credit before Affected by previous County Court Judgments (CCJs) or defaults

Aqua Classic Card

Advice

Credit Limits up to £1,600 (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:	39.95% p.a. (variable)
Representative Example:	If you spend £1,200 at a purchase interest rate of 39.95% (variable) your Representative APR will be 39.9% (variable).
Annual Rates
Balance Transfers:	39.5% p.a.
Balance Transfer Fee:	3% p.a.
Cash Advance:	39.95% p.a.
Annual Fee:	N/A
Standard Features
Credit Limit:	up to £1,600
Interest Free Days:	Up to 51 days
On-Line Banking:	Yes
Approval Criteria
Self-employed and unable to prove a regular income Working part time Full time mum or dad On a lower income New to the country or recently moved Not on the electoral roll at your current address Never had credit before Affected by previous County Court Judgments (CCJs) or defaults

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:	£200 - £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 Aquis Card

Advice

Credit limits start quite low around £1000 but will rise after credit has been handled responsibly. You acan apply to increases every 4 months, up to £3,000.

Introductory Offer
Balance Transfer Rate:	N/A
Balance Transfer Fee:	N/A
Purchase Rate:	N/A
Representative APR
Purchases:	29.8% p.a. (variable)
Representative Example:	If you spend £1,000 at a purchase interest rate of 29.9% (variable) your Representative APR will be 29.9% (variable).
Annual Rates
Balance Transfers:	N/A
Cash Advance:	29.8% 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

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

Vanquis Black Diamond Visa Card (High Acceptance)

Advice

The APR with this card is very high. As a result you will have a high chance of acceptance with previous credit issues. You simply need to handle your repayments correctly to avoid the majority of the high charges. Credit limits from £150 to £1000 Subject to status.

Introductory Offer
Balance Transfer Rate:	N/A
Balance Transfer Fee:	N/A
Purchase Rate:	N/A
Representative APR
Purchases:	59.94% p.a. (variable)
Representative Example:	If you spend £1,000 at a purchase interest rate of 59.94% (variable) your Representative APR will be 59.9% (variable).
Annual Rates
Balance Transfers:	N/A
Cash Advance:	59.94% 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 must be 18+ You must have an annual income of at least £4000 You must not have applied for a Vanquis, Granite or Aquis card in the last six months You must not be an existing, Vanquis, Granite or Aquis customer You must be willing to have telephone contact with Vanquis Bank

Popular Credit Cards for Cashback

Card	Issuer	Cash Back Rate			Cash Back Paid	Payment Method	Apply
Card	Issuer
	Barclaycard High 5 Cashback card	Intro 6%	Duration 3 mths	Ongoing 0.50%	Cash Back Paid	Payment Method	Apply	Annually	Deposit on Card	Apply > More Info
	Representative Example: Representative 19.9% APR variable. Based on no annual fee, assumed borrowing of £1,200, rate of interest variable (annual) 19.9%									Apply > More Info

	Amex Platinum Cash Back	Intro 5%	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).						Apply > More Info

	Capital One Aspire World	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).						Apply > More Info

	Sainsbury's Finance Cash Back Credit Card	Intro 5%	Duration 3 mths	Ongoing N/A	Annually	Deposit on Card	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).						Apply > More Info

	Barclaycard Business Cash Back Credit Card	Intro N/A	Duration N/A	Ongoing 0.50%	Annually	Deposit on Card	Apply > More Info
	Representative Example: If you spend £1,500 at a purchase interest rate of 19.9% (variable) with a £32 annual Fee your Representative APR will be 25.1% (variable).						Apply > More Info

Barclaycard High 5 Cashback card

Advice

2% cashback on top 5 purchases and 0.5% on everything else. 6% cashback on top 5 purchases in the first 3 months.

Introductory Offer
Balance Transfer Rate:	0% for 12 mths
Balance Transfer Fee:	2.50%
Purchase Rate:	N/A
Representative APR
Purchases:	19.9% p.a. (variable)
Representative Example:	Representative 19.9% APR variable. Based on £24 annual fee, assumed borrowing of £1,200, rate of interest variable (annual) 19.9%
Annual Rates
Balance Transfers:	19.9% p.a.
Cash Advance:	27.9% p.a.
Annual Fee:	£24 p.a.
Standard Features
Credit Limit:	Subject to Status
Interest Free Days:	Up to 56 days
On-Line Banking:	Yes
Cashback
Introductory Cashback Rate:	6% p.a.3 mths
Standard Cashback Rate:	0.50%
Approval Criteria
You are at least 21Years 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

Amex Platinum Cash Back

Advice

Get 5% cashback in first 3 months of Cardmembership up to £2,000 (£100 cashback). After this you can earn cashback rates of 1.25% with NO tiers and NO spend limit!!

Introductory Offer
Balance Transfer Rate:	N/A
Balance Transfer Fee:	N/A
Purchase Rate:	N/A
Representative APR
Purchases:	18.7% 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:	18.7% 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:	5% 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 £20,000 I have no history of bad debt If self-employed, I have been working for more than one year.

Capital One Aspire World

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

Sainsbury's Finance Cash Back Credit Card

Advice

£5 cashback each month when you spend at least £250 per month on Sainsbury's shopping and at least £250 per month elsewhere. Please note - Nectar points are NOT earned using this Credit Card. If you wish to collect Nectar points with your credit card you should apply for the 'Sainsburys Nectar Credit card'.

Introductory Offer
Balance Transfer Rate:	0% for 15 mths
Balance Transfer Fee:	3%
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 59 days
On-Line Banking:	Yes
Approval Criteria
YOU MUST HAVE A NECTAR CARD IN ORDER TO APPLY FOR THIS CREDIT CARD (Nectar points are NOT earned using this Credit Card) 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 Business Cash Back Credit Card

Advice

Get 3% Cash Back on office supplies & stationery, legal & accounting services, computer equipment and support, 1% cash back on fuel and 0.5% cash back on everything else.

Introductory Offer
Balance Transfer Rate:	N/A
Balance Transfer Fee:	N/A
Purchase Rate:	N/A
Representative APR
Purchases:	19.99% p.a. (variable)
Representative Example:	If you spend £1,500 at a purchase interest rate of 19.9% (variable) with a £32 annual Fee your Representative APR will be 25.1% (variable).
Annual Rates
Balance Transfers:	25.1% p.a.
Cash Advance:	25.1% p.a.
Annual Fee:	£32 p.a.
Standard Features
Credit Limit:	£10,000 Maximum (Subject to Status)
Interest Free Days:	Up to 56 days
On-Line Banking:	Yes
Cashback
Standard Cashback Rate:	0.50%

Latest Credit Card News

Boost in credit card spending aids recovery

A spring bloom in credit card spending has revitalised consumer spending in April, figures show, suggesting that there may be signs of growth in ...

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Mon 13th May, 2013
New rules ban excessive credit card surcharges

From this weekend, firms are no longer allowed to impose excessive surcharges for credit card payments. The travel and leisure industry has ...

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Mon 8th Apr, 2013
Barclaycard launches 26-month balance transfer credit card

Barclaycard launched an unprecedented 26-month 0% balance transfer credit card this week in a determined effort to fend off bold competition from ...

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Fri 22nd Mar, 2013
Lending schemes failing as small businesses struggle for finance

Small businesses are trying to reduce their reliance on external funding as they struggle to make any headway with tight-fisted banks. A new ...

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Thu 7th Mar, 2013
Mobile phones to replace credit cards by 2021

Consumers will soon be using mobile phones to make payments rather than cards, suggests the UK Payments Council. The Council estimates that ...

Read More >

Wed 20th Feb, 2013
Citizens Advice reports four payday lenders to OFT

Citizens Advice has asked the Office of Fair Trading (OFT) to exercise its new powers this week and suspend the licences of four payday lenders ...

Read More >

Mon 18th Feb, 2013

View Latest Credit Card News Archive >

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 cash-back 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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Latest Credit Card News

Make sure that you choose the right Credit Card 4 U

Credit Cards: Frequently Asked Questions

What are credit cards?

Why is my credit history important?

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

What types of credit card are available?

Credit Cards: An Express Guide

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

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

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

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

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

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

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

Credit Cards: Glossary

0% Balance Transfers

0% Purchases

APR

Cashback

Credit History

Interest Free Days

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**Why is my credit history important?**