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.

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

Card
Balance Transfers
Purchases
Typical APR (variable)
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0%
35 mths
0%
6 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%
20 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%
20 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%
34 mths
0%
6 mths
18.9%
Representative Example: If you spend £1,200 at a purchase interest rate of 18.95% (variable) your Representative APR will be 18.9% (variable).
0%
13 mths
0%
13 mths
18.9%
Representative Example: If you spend £1,200 at a purchase interest rate of 18.94% (variable) your Representative APR will be 18.9% (variable).
Introductory Offer
Balance Transfer Rate: 0% for 35 mths
Balance Transfer Fee: 2.49% 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 18.9% (variable) your Representative APR will be 18.9% (variable).
Annual Rates
Balance Transfers: 18.9% p.a. (variable)
Balance Transfer Fee: 3% p.a.
Cash Advance: 27.9% p.a. (variable)
Annual Fee: N/A
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 56 days
On-Line Banking: Yes
Approval Criteria
  • You are 21 years or over
  • You are a permanent UK resident
  • You have no history of bankruptcy, had an IVA's or CCJ's.
  • You haven't missed a payment on either a credit card or mortgage in the last 12 months.
  • You have a regular income of more than £20,000 per annum
  • You have not been declined for credit in the last six months.
  • You do not have debts on other credit cards greater than £20,000
Introductory Offer
Balance Transfer Rate: 0% for 12 mths
Balance Transfer Fee: 3% fee
Purchase Rate: 0% for 20 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)
Balance Transfer Fee: 3% p.a.
Cash Advance: 27.9% p.a. (variable)
Annual Fee: N/A
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 59 days
On-Line Banking: Yes
Approval Criteria
  • You are 21 years or over
  • You are a permanent UK resident
  • You have no history of bankruptcy, had an IVA's or CCJ's.
  • You haven't missed a payment on either a credit card or mortgage in the last 12 months.
  • You have a regular income of more than £20,000 per annum
  • You have not been declined for credit in the last six months.
  • You do not have debts on other credit cards greater than £20,000
Introductory Offer
Balance Transfer Rate: 0% for 12 mths
Balance Transfer Fee: 3% fee
Purchase Rate: 0% for 20 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)
Balance Transfer Fee: 3% p.a.
Cash Advance: 27.9% p.a. (variable)
Annual Fee: N/A
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 59 days
On-Line Banking: Yes
Approval Criteria
  • You are 21 years or over
  • You are a permanent UK resident
  • You have no history of bankruptcy, had an IVA's or CCJ's.
  • You haven't missed a payment on either a credit card or mortgage in the last 12 months.
  • You have a regular income of more than £20,000 per annum
  • You have not been declined for credit in the last six months.
  • You do not have debts on other credit cards greater than £20,000

Advice

YOU MUST HAVE A NECTAR CARD IN ORDER TO APPLY FOR THIS CREDIT CARD.

Introductory Offer
Balance Transfer Rate: 0% for 34 mths
Balance Transfer Fee: 2.89% fee
Purchase Rate: 0% for 6 mths
Representative APR
Purchases: 18.9% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 18.95% (variable) your Representative APR will be 18.9% (variable).
Annual Rates
Balance Transfers: 18.9% p.a. (variable)
Cash Advance: 24.9% p.a. (variable)
Annual Fee: N/A
Standard Features
Credit Limit: £25,000
Interest Free Days: Up to 56 days
On-Line Banking: Yes
Approval Criteria
  • YOU MUST HAVE A NECTAR CARD IN ORDER TO APPLY FOR 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

Advice

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

Introductory Offer
Balance Transfer Rate: 0% for 13 mths
Balance Transfer Fee: 0% fee
Purchase Rate: 0% for 13 mths
Representative APR
Purchases: 18.9% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 18.94% (variable) your Representative APR will be 18.9% (variable).
Annual Rates
Balance Transfers: 18.9% p.a. (variable)
Cash Advance: 24.9% p.a. (variable)
Annual Fee: N/A
Standard Features
Credit Limit: £25,000
Interest Free Days: Up to 59 days
On-Line Banking: Yes
Approval Criteria
  • YOU MUST HAVE A NECTAR CARD IN ORDER TO APPLY FOR 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

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.

Introductory Offer
Balance Transfer Rate: 0% for 19 mths
Balance Transfer Fee: 3% fee
Purchase Rate: 0% for 18 mths
Representative APR
Purchases: 18.9% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 18.95% (variable) your Representative APR will be 18.9% (variable).
Annual Rates
Balance Transfers: 18.9% p.a. (variable)
Cash Advance: 24.9% p.a. (variable)
Annual Fee: N/A
Standard Features
Credit Limit: £25,000
Interest Free Days: Up to 56 days
On-Line Banking: Yes
Approval Criteria
  • YOU MUST HAVE A NECTAR CARD IN ORDER TO APPLY FOR 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

Advice

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

Introductory Offer
Balance Transfer Rate: N/A
Balance Transfer Fee: N/A
Purchase Rate: N/A
Representative APR
Purchases: 9.90% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 6.95% (variable) your Representative APR will be 6.9% (variable).
Annual Rates
Balance Transfers: 9.90% p.a. (variable)
Cash Advance: 24.9% p.a. (variable)
Annual Fee: N/A
Standard Features
Credit Limit: £25,000
Interest Free Days: Up to 59 days
On-Line Banking: Yes
Approval Criteria
  • YOU MUST HAVE A NECTAR CARD IN ORDER TO APPLY FOR 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
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: 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: 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

Advice

Also, get commission free card purchases abroad!

Introductory Offer
Balance Transfer Rate: 0% for 26 mths
Balance Transfer Fee: 2.40% fee
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. (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 and any other card holders are over the age of 18;
  • You have been living in the UK for the last 12 months (includes BFPO addresses but excludes the IOM and Channel Islands);
  • You have a gross income each year of more than £5000;
  • You are not currently bankrupt, subject to an Individual Voluntary Agreement (IVA) and you don’t have any County Court Judgements (CCJs);
  • You have not missed 3 or more payments on any credit commitments in the last 12 months; and
  • You have not been rejected for a Nationwide Credit Card in the last 6 months.

Advice

Earn commission free use abroad...as saving of 2.75% on average!

Introductory Offer
Balance Transfer Rate: N/A
Balance Transfer Fee: N/A
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 17.9% (variable) your Representative APR will be 17.9% (variable).
Annual Rates
Balance Transfers: 17.9% 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 and any other card holders are over the age of 18;
  • You have been living in the UK for the last 12 months (includes BFPO addresses but excludes the IOM and Channel Islands);
  • You have a gross income each year of more than £5000;
  • You are not currently bankrupt, subject to an Individual Voluntary Agreement (IVA) and you don’t have any County Court Judgements (CCJs);
  • You have not missed 3 or more payments on any credit commitments in the last 12 months; and
  • You have not been rejected for a Nationwide Credit Card in the last 6 months.

Advice

Collect 0.5% unlimited cashback on all purchases in pounds sterling. Also, get commission free card purchases abroad!!

Introductory Offer
Balance Transfer Rate: 0% for 26 mths
Balance Transfer Fee: 2.40% fee
Purchase Rate: 0% for 15 mths
Representative APR
Purchases: 15.9% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 15.9% (variable) your Representative APR will be 15.9% (variable).
Annual Rates
Balance Transfers: 15.9% p.a. (variable)
Cash Advance: 27.9% p.a. (variable)
Annual Fee: N/A
Standard Features
Credit Limit: £25,000
Interest Free Days: Up to 56 days
On-Line Banking: Yes
Cashback
Standard Cashback Rate: 0.50%
Approval Criteria
  • YOU MUST HAVE A NATIONWIDE CURRENT ACCOUNT IN ORDER TO APPLY FOR THIS CARD
  • You are at least 25 Years of Age
  • You have an Excellent Credit History
  • You are a permanent resident/citizen of the UK
  • You earn over £25,000 per year

Advice

Balance transfer fee of 0.65% applies for the first 3 months of account opening, after which time it will revert to 2.4%. Also, get commission free card purchases abroad!

Introductory Offer
Balance Transfer Rate: 0% for 15 mths
Balance Transfer Fee: 0.65% fee
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. (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
Approval Criteria
  • You and any other card holders are over the age of 18;
  • You have been living in the UK for the last 12 months (includes BFPO addresses but excludes the IOM and Channel Islands);
  • You have a gross income each year of more than £5000;
  • You are not currently bankrupt, subject to an Individual Voluntary Agreement (IVA) and you don’t have any County Court Judgements (CCJs);
  • You have not missed 3 or more payments on any credit commitments in the last 12 months; and
  • You have not been rejected for a Nationwide Credit Card in the last 6 months.
Introductory Offer
Balance Transfer Rate: 0% for 35 mths
Balance Transfer Fee: 3% fee
Purchase Rate: 0% for 6 mths
Representative APR
Purchases: 18.9% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 18.95% (variable) your Representative APR will be 18.9% (variable).
Annual Rates
Balance Transfers: 18.9% p.a. (variable)
Cash Advance: 27.9% p.a. (variable)
Annual Fee: N/A
Standard Features
Credit Limit: £50,000
Interest Free Days: Up to 56 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of the UK
  • You have a bank or building society account
  • You have an income over £25,000 p.a

Advice

3% Balance Transfer fee will be taken initially but an automatic refund will refund 1.50% of this fee within 60 days of the balance transfer completion.

Introductory Offer
Balance Transfer Rate: 0% for 28 mths
Balance Transfer Fee: 1.50% 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)
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 13 mths
Balance Transfer Fee: 3% fee
Purchase Rate: 0% for 13 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. (variable)
Cash Advance: 27.9% p.a. (variable)
Annual Fee: £24 p.a.
Standard Features
Credit Limit: £50,000
Interest Free Days: Up to 56 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of the UK
  • You have a bank or building society account
  • You have an income over £25,000 p.a

Advice

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

Introductory Offer
Balance Transfer Rate: 0% for 28 mths
Balance Transfer Fee: 3% fee
Purchase Rate: 0% for 12 mths
Representative APR
Purchases: 18.9% p.a. (variable)
Representative Example: based on £24.00 annual fee, assumed borrowing of £1,200, representative 23.7% APR (variable). Purchase rate 18.94% PA (variable)
Annual Rates
Balance Transfers: 18.9% p.a. (variable)
Cash Advance: 23.7% p.a. (variable)
Annual Fee: £24
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 56 days
On-Line Banking: Yes
Approval Criteria
  • You are currently employed
  • You are over 23 years of age
  • You are a homeowner
  • You have an income of over £20,000
  • You do not have any recent credit defaults (CCJ's, current arrears or missed payments) on credit cards / loans / mortgages
  • You are a resident in the UK and can prove residential addresses for the past two years

Advice

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

Introductory Offer
Balance Transfer Rate: 0% for 23 mths
Balance Transfer Fee: N/A
Purchase Rate: 0% for 23 mths
Representative APR
Purchases: 16.5% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 12.7% (variable) with a £24 annual Fee your Representative APR will be 16.5% (variable).
Annual Rates
Balance Transfers: 12.7% p.a. (variable)
Cash Advance: 29.9% p.a. (variable)
Annual Fee: £24
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 45 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 2.80% by a refund.

Introductory Offer
Balance Transfer Rate: 0% for 35 mths
Balance Transfer Fee: 2.80% fee
Purchase Rate: 0% for 6 mths
Representative APR
Purchases: 18.9% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 18.95% (variable) your Representative APR will be 18.9% (variable).
Annual Rates
Balance Transfers: 18.9% p.a. (variable)
Balance Transfer Fee: 3% p.a.
Cash Advance: 27.95% 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

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

Introductory Offer
Balance Transfer Rate: 0% for 28 mths
Balance Transfer Fee: 2.45% fee
Purchase Rate: 0% for 3 mths
Representative APR
Purchases: 18.9% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 18.95% (variable) your Representative APR will be 18.9% (variable).
Annual Rates
Balance Transfers: 18.9% p.a. (variable)
Balance Transfer Fee: 3% p.a.
Cash Advance: 23.95% p.a. (variable)
Annual Fee: N/A
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 56 days
On-Line Banking: Yes
Approval Criteria
  • You earn at least £20,000 per year
  • You are at least 18 Years of Age
  • You are a permanent resident/citizen of the UK
  • You have NOT been declined for a Halifax or Bank of Scotland Credit Card in the last 6 months
  • You DO NOT any CCJs or have been made Bankrupt
  • You have NOT missed payments on your current store cards, credit cards, loans or mortgages
  • You ARE in employment (receiving an annual salary)
  • You can provide a telephone number that you can be contacted on

Advice

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

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

Advice

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

Introductory Offer
Balance Transfer Rate: 0% for 18 mths
Balance Transfer Fee: 0.79% fee
Purchase Rate: 0% for 3 mths
Representative APR
Purchases: 17.8% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 17.85% (variable) your Representative APR will be 17.8% (variable).
Annual Rates
Balance Transfers: 17.8% p.a. (variable)
Cash Advance: 24.1% p.a. (variable)
Annual Fee: N/A
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 56 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of the UK
  • You have an income over £8,000 p.a
Introductory Offer
Balance Transfer Rate: 0% for 12 mths
Balance Transfer Fee: 0.25% fee
Purchase Rate: 0% for 3 mths
Representative APR
Purchases: 18.94% 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: 18.95% p.a. (variable)
Cash Advance: 18.95% p.a. (variable)
Annual Fee: N/A
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 56 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of the UK
  • You have a bank or building society account
Introductory Offer
Balance Transfer Rate: 0% for 28 mths
Balance Transfer Fee: 3% fee
Purchase Rate: 0% for 3 mths
Representative APR
Purchases: 18.95% 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: 18.95% p.a. (variable)
Cash Advance: 18.95% p.a. (variable)
Annual Fee: N/A
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 56 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of the UK
  • You have a bank or building society account

Advice

The standard balance transfer fee of 3% will be applied when a balance transfer is processed. For example, if a customer transfers £1,500 a BT fee of £45 will be applied. We'll refund 66.6% of that, i.e. £30 into the customer's credit card account within 60 days of the qualifying balance transfer completion date. Minimum balance transfer amount is £100.

Introductory Offer
Balance Transfer Rate: 0% for 13 mths
Balance Transfer Fee: 1% fee
Purchase Rate: 0% for 13 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. (variable)
Cash Advance: 17.95% p.a. (variable)
Annual Fee: N/A
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 56 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of the UK
  • You have a bank or building society account