Best Credit Building
Credit Card Offers

Best Credit Building Credit Card Offers - Rebuild your credit history with a specialist credit improving credit card. These cards start with a high APR, but reduce over time if you handle your credit responsibly.

Credit Cards

Editors Choice - Barclaycard Platinum - 0% for 22 months

Not only do Barclaycard offer 0% on Balance Transfers for 22 months, they also offer 0% for first 3 months on any purchases made...

More Info >

Best Credit Building Credit Card Offers

When looking for the best credit building credit card offers, you don't need to search very far. Which4U have the top cards all in one place, waiting for you.

With our comprehensive table you can find the best credit building credit card offer for you in a couple of minutes. By making a decision based on the information provided, you can be sure that the card you apply for will help you to rebuild your credit score. And with rates updated daily, we promise that the deal you find on our site will be the deal you get on application.

Please note. If you have suffered from a very poor credit history in the past including recent CCJ's then these cards are not suitable for you, we suggest you look at our Bad Credit Card section.

Click To Beat Your Credit Card In 3 Easy Steps!

Popular Credit Cards for 0% Balance Transfers & Purchases

Card	Issuer	Balance Transfers			Purchases		Representative APR (variable)	Apply
Card	Issuer
	Barclaycard Platinum (22 Month BT)	Rate 0%	Duration 22 mths	Fee 2.90%	Rate 0%	Duration 3 mths	Representative APR (variable)	Apply	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).									Apply > More Info

	Barclaycard Platinum (21 Month BT)	Rate 0%	Duration 21 mths	Fee 2.60%	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).							Apply > More Info

	Halifax Balance Transfer Card	Rate 0%	Duration 22 mths	Fee 3.50%	Rate 0%	Duration 3 mths	17.95%	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

	Virgin Credit Card	Rate 0%	Duration 20 mths	Fee 2.99%	Rate 0%	Duration 3 mths	16.8%	Apply > 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).							Apply > More Info

	Nationwide Select Credit Card	Rate 0%	Duration 20 mths	Fee 3.10%	Rate 0%	Duration 12 mths	12.9%	Apply > More Info
	Representative Example: If you spend £1,200 at a purchase interest rate of 12.9% (variable) your Representative APR will be 12.9% (variable).							Apply > More Info

	MBNA Credit Card	Rate 0%	Duration 20 mths	Fee 2.99%	Rate 0%	Duration 3 mths	16.7%	Apply > More Info
	Representative Example: Representative 16.7% APR variable. Based on no annual fee, assumed borrowing of £1,200, rate of interest variable (annual) 16.7%							Apply > More Info

	NatWest Platinum	Rate 0%	Duration 22 mths	Fee 3.20%	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

	RBS Platinum	Rate 0%	Duration 22 mths	Fee 3.20%	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 20 Month BT Card	Rate 0%	Duration 20 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 17.95% (variable) your Representative APR will be 17.9% (variable).							Apply > More Info

	Barclaycard Platinum (Low Fee)	Rate 0%	Duration 16 mths	Fee 1.60%	Rate 0%	Duration 3 mths	18.9%	Apply > 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).							Apply > More Info

	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).							Apply > More Info

	Nationwide Credit Card	Rate 0%	Duration 17 mths	Fee 2.95%	Rate 0%	Duration 3 mths	15.9%	Apply > 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).							Apply > More Info

	Sainsbury's Finance Credit Card	Rate 0%	Duration 12 mths	Fee 3%	Rate 0%	Duration 12 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).							Apply > More Info

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

	MBNA Play.com Credit Card	Rate 0%	Duration 6 mths	Fee 1.50%	Rate 0%	Duration 9 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

	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).							Apply > More Info

	Bank of Scotland All In One	Rate 0%	Duration 12 mths	Fee 3%	Rate 0%	Duration 12 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

	Lloyds TSB Platinum	Rate 0%	Duration 15 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 17.95% (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 Mastercard	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	6.90%	Apply > 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).							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	18.5%	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

	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).							Apply > More Info

	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).							Apply > More Info

Barclaycard Platinum (22 Month BT)

Advice

Limited Offer for May: £30 off Balance Transfer Fee

Introductory Offer
Balance Transfer Rate:	0% for 22 mths
Balance Transfer Fee:	2.90%
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

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

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

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 currently employed You are over 23 years of age 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

Nationwide Select 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 & 0.5% Cash Back on all Sterling spend!

Introductory Offer
Balance Transfer Rate:	0% for 20 mths
Balance Transfer Fee:	3.10%
Purchase Rate:	0% for 12 mths
Representative APR
Purchases:	12.9% p.a. (variable)
Representative Example:	If you spend £1,200 at a purchase interest rate of 12.9% (variable) your Representative APR will be 12.9% (variable).
Annual Rates
Balance Transfers:	12.9% 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
Cashback
Standard Cashback Rate:	0.50%
Approval Criteria
To be eligible to apply, you have to hold a FlexAccount with a Visa debit card (not cash card+) and pay in £750 or more each month (excluding internal transfers), or agree to complete an Account Transfer from an account (non Nationwide) using our Account Transfer Service or have done so in the past 4 months. 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

MBNA Credit Card

Advice

You are also able to transfer cash from this card to your current account. This is classed as a 'Money Transfer' and subject to a 4% fee. Get 0% p.a. for 20 months from account opening date, on transfers made within the first 60 days

Introductory Offer
Balance Transfer Rate:	0% for 20 mths
Balance Transfer Fee:	2.99%
Purchase Rate:	0% for 3 mths
Representative APR
Purchases:	16.7% p.a. (variable)
Representative Example:	Representative 16.7% APR variable. Based on no annual fee, assumed borrowing of £1,200, rate of interest variable (annual) 16.7%
Annual Rates
Balance Transfers:	18.9% 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

Balance transfers & money transfers must be made within 60 days of account opening date
Maximum 50 interest free days on purchases only, if you pay your statement balance in full and on time every month.

NatWest Platinum

Introductory Offer
Balance Transfer Rate:	0% for 22 mths
Balance Transfer Fee:	3.20%
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 22 mths
Balance Transfer Fee:	3.20%
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 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

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 17.5% (variable) your Representative APR will be 17.5% (variable).
Annual Rates
Balance Transfers:	18.9% 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

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

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

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 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 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

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:	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 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

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 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. 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:	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 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 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:	N/A
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:	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.

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

Issuer	Credit Limit	CCJ's Accepted	Representative APR	Apply

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	No	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	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).				Apply > More Info

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

Popular Credit Cards for Cashback

Card	Issuer	Cash Back Rate			Cash Back Paid	Payment Method	Apply
Card	Issuer
	Capital One Aspire World	Intro 5%	Duration 3 mths	Ongoing 1.25%	Cash Back Paid	Payment Method	Apply	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

	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

	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).						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: 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

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

Amex Platinum Cash Back

Advice

Get 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:	N/A
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:	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.

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.

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:	19.9% p.a. (variable)
Representative Example:	Representative 19.9% APR variable. Based on £32 annual fee, assumed borrowing of £1,200, rate of interest variable (annual) 19.9%
Annual Rates
Balance Transfers:	24.9% p.a.
Cash Advance:	27.9% 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%

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