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Barclaycard offers Valentines Discount

Date of Publication: Thursday, 01 February 2007 12:00
Barclaycard is rewarding love struck customers with a cash-back offer of 10% on all purchases made at Thorntons, H Samuel and Interflora between the February 5th and 14th.

The cash-back will be earned on transactions made in store, over the telephone and online and will be automatically credited to customers' accounts on their April statement. The maximum cash-back that can be earned is £50.

Based on 2006 statistics, Barclaycard estimates that amorous Brits spent £115 million on Valentine's gifts last year, meaning £11.5 million could be up for grabs with the Barclaycard cash-back offer.

Click here for a complete list 0% credit cards

Thursday, 01 February 2007 12:00
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Top 5 Credit Cards

Card
Balance Transfers
Purchases
Typical APR (variable)
Apply
View Full Table >
0%
12 mths
0%
26 mths
18.9%
Representative Example: If you spend £1,200 at a purchase interest rate of 18.9% (variable) your Representative APR will be 18.9% (variable).
0%
12 mths
0%
26 mths
18.9%
Representative Example: If you spend £1,200 at a purchase interest rate of 18.9% (variable) your Representative APR will be 18.9% (variable).
N/A
N/A
11.1%
Representative Example: Representative 11.1% APR (variable) based on an assumed Credit Limit of £1,200. Standard interest rate for purchases: 6.9% p.a.(variable) Annual fee: £24. Your actual credit limit will depend on our credit assessment of you.
N/A
N/A
11.1%
Representative Example: Representative 11.1% APR (variable) based on an assumed CreditLimit of £1,200. Standard interest rate for purchases: 6.9% p.a.(variable) Annual fee: £24. Your actual credit limit will depend on our credit assessment of you.
0%
12 mths
0%
12 mths
15.9%
Representative Example: If you spend £1,200 at a purchase interest rate of 15.9% (variable) your Representative APR will be 15.9% (variable).

Advice

Introductory Balance Transfer Fee of 3% is subject to a minimum charge of £3. Online account management is only available for existing Clydesdale Bank customers.

Introductory Offer
Balance Transfer Rate: 0% for 12 mths
Balance Transfer Fee: 3% (min £3)
Purchase Rate: 0% for 26 mths
Representative APR
Purchases: 18.9% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 18.9% (variable) your Representative APR will be 18.9% (variable).
Annual Rates
Balance Transfers: 11.9% p.a. (variable)
Balance Transfer Fee: 3% (min £3)
Cash Advance: 27.9% p.a. (variable)
Annual Fee: N/A
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 59 days
On-Line Banking: Yes
Approval Criteria
  • You are 18 years or over
  • You are a UK resident

Advice

Online account management is only available for existing Clydesdale Bank customers.

Introductory Offer
Balance Transfer Rate: 0% for 12 mths
Balance Transfer Fee: 3% (min £3)
Purchase Rate: 0% for 26 mths
Representative APR
Purchases: 18.9% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 18.9% (variable) your Representative APR will be 18.9% (variable).
Annual Rates
Balance Transfers: 11.9% p.a. (variable)
Balance Transfer Fee: 3% (min £3)
Cash Advance: 27.9% p.a. (variable)
Annual Fee: N/A
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 59 days
On-Line Banking: Yes
Approval Criteria
  • You are 18 years or over
  • You are a UK resident
Introductory Offer
Balance Transfer Rate: N/A
Balance Transfer Fee: N/A
Purchase Rate: N/A
Representative APR
Purchases: 11.1% p.a. (variable)
Representative Example: Representative 11.1% APR (variable) based on an assumed Credit Limit of £1,200. Standard interest rate for purchases: 6.9% p.a.(variable) Annual fee: £24. Your actual credit limit will depend on our credit assessment of you.
Annual Rates
Balance Transfers: 6.90% p.a. (variable)
Cash Advance: 24.9% p.a. (variable)
Annual Fee: £24
Standard Features
Credit Limit: £25,000
Interest Free Days: Up to 56 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of the UK
  • You earn over £10,000 per year
Introductory Offer
Balance Transfer Rate: N/A
Balance Transfer Fee: N/A
Purchase Rate: N/A
Representative APR
Purchases: 11.1% p.a. (variable)
Representative Example: Representative 11.1% APR (variable) based on an assumed CreditLimit of £1,200. Standard interest rate for purchases: 6.9% p.a.(variable) Annual fee: £24. Your actual credit limit will depend on our credit assessment of you.
Annual Rates
Balance Transfers: 6.90% p.a. (variable)
Cash Advance: 12.9% p.a. (variable)
Annual Fee: £24
Standard Features
Credit Limit: £25,000
Interest Free Days: Up to 56 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of the UK
  • You earn over £10,000 per year

Advice

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

Introductory Offer
Balance Transfer Rate: 0% for 12 mths
Balance Transfer Fee: N/A
Purchase Rate: 0% for 12 mths
Representative APR
Purchases: 15.9% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 15.9% (variable) your Representative APR will be 15.9% (variable).
Annual Rates
Balance Transfers: 15.9% p.a. (variable)
Cash Advance: 27.9% p.a. (variable)
Annual Fee: N/A
Standard Features
Credit Limit: £25,000
Interest Free Days: Up to 56 days
On-Line Banking: Yes
Cashback
Standard Cashback Rate: 0.50%
Approval Criteria
  • YOU MUST HAVE A NATIONWIDE CURRENT ACCOUNT IN ORDER TO APPLY FOR THIS CARD
  • You are at least 18 Years of Age
  • You have an Excellent Credit History
  • You are a permanent resident/citizen of the UK
  • You earn over £5,000 per year
Introductory Offer
Balance Transfer Rate: 0% for 39 mths
Balance Transfer Fee: 2.95% fee
Purchase Rate: 0% for 6 mths
Representative APR
Purchases: 18.9% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 18.94% (variable) your Representative APR will be 18.9% (variable).
Annual Rates
Balance Transfers: 18.9% p.a. (variable)
Balance Transfer Fee: 3%
Cash Advance: 27.9% p.a. (variable)
Annual Fee: N/A
Standard Features
Credit Limit: £50,000
Interest Free Days: Up to 56 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of the UK
  • You have a bank or building society account
  • You have an income over £25,000 p.a

Advice

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

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

Advice

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

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

Advice

A fee of 3.0% will be applied, then reduced to 2.48% by a refund.

Introductory Offer
Balance Transfer Rate: 0% for 39 mths
Balance Transfer Fee: 2.48% fee
Purchase Rate: 0% for 6 mths
Representative APR
Purchases: 18.9% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 18.95% (variable) your Representative APR will be 18.9% (variable).
Annual Rates
Balance Transfers: 18.9% p.a. (variable)
Balance Transfer Fee: 3%
Cash Advance: 18.95% p.a. (variable)
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 56 days
On-Line Banking: Yes
Approval Criteria
  • You earn at least £20,000 per year
  • You are at least 18 Years of Age
  • You are a permanent resident/citizen of the UK
  • You have NOT been declined for a Halifax or Bank of Scotland Credit Card in the last 6 months
  • You DO NOT any CCJs or have been made Bankrupt
  • You have NOT missed payments on your current store cards, credit cards, loans or mortgages
  • You ARE in employment (receiving an annual salary)
  • You can provide a telephone number that you can be contacted on

Advice

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

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