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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:
Annual Rates
Balance Transfers:	6.90% p.a.
Cash Advance:	24.9% p.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

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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:
Annual Rates
Balance Transfers:	7.90% p.a.
Cash Advance:	15.8% p.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

Credit Card Rewards

Barclaycard Freedom is a loyalty scheme like no other, allowing you to automatically earn Reward Money at participating retailers, which you can then redeem against your next transaction at a number of stores within the programme.

Lloyds TSB Advanced Mastercard

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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% p.a. for 12 mths
Balance Transfer Fee:	1.50%
Purchase Rate:	0% p.a. 6 mths
Representative APR
Purchases:	11.9% p.a. (variable)
Representative Example:
Annual Rates
Balance Transfers:	11.9% p.a.
Cash Advance:	24.9% 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

Nationwide Select Credit Card

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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% p.a. for 20 mths
Balance Transfer Fee:	3.10%
Purchase Rate:	0% p.a. 12 mths
Representative APR
Purchases:	12.9% p.a. (variable)
Representative Example:
Annual Rates
Balance Transfers:	12.9% p.a.
Cash Advance:	27.9% p.a.
Standard Features
Credit Limit:	£25,000
Interest Free Days:	Up to 56 days
On-Line Banking:	Yes
Cashback
Introductory Cashback Rate:	0% for
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

Credit Card Benefits

Free Membership to Nationwide Simply Rewards Scheme which provides money off big brands such as Dominos Pizza and Carluccio's
Peace of mind for all cardholders with Nationwide Fraud Watch.
Nationwide continues to offer "commission-free" foreign transactions. "Commission-free" means that we do not add any additional charges for exchanging currency which are designed to generate profit for the Society. We do, however, pass on any fee we incur from our card scheme providers for processing transactions in certain currencies (generally those outside of the European Economic Area and Turkey and Israel) other than sterling. The fee is currently 1.00% and it will be included in the sterling amount shown on your statement.

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Editors Choice - Sainsburys Low Rate Credit Card