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Compare Credit Cards

Cheap Credit Cards
Low APR from 6.4% (APR Representative)

Our experts have selected of the best cheap credit cards available on the market. Use the tabs to compare credit cards for more specific purposes including 0% balance transfer , 0% purchases , cash back , rewards and credit building (adverse credit) credit cards.

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Expert Choice Credit Cards
Balance Transfers Purchases
Credit Card Rate Duration Fee Rate Duration Representative APR Apply
Bank of Scotland
6.45% 3
Months
0.0% N/A N/A 6.4% APR
Representative variable
This offer is exclusively available online only. Low representative rate of 6.4% APR (variable). At least 51% of customers will get a representative rate of 6.4% APR (variable). Others will get a rate of 10.9% APR (variable), or 14.9% APR (variable). One simple rate for both balance transfers and purchases. Minimum £100 balance transfer. 0% fee on balance transfers within the first 90 days. 3% fee applies on each balance transfer made after the first 90 days.
Representative Example: If you borrow £1200 at a purchase rate of 6.45% p.a.(variable), you will pay 6.4% APR Representative (variable).

Bank of Scotland | Low Rate Credit Card

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Lloyds Bank
6.45% 3
Months
0.0% N/A N/A 6.4% APR
Representative variable
Low Interest Rate. A representative rate of 6.4% APR (variable) on purchases and balances transferred. No Balance Transfer Fee. You'll pay no fee on balances transferred within the first 90 days of opening the account, a 3% fee applies thereafter. £0 Annual Fee. There is no annual fee to pay.
Representative Example: If you borrow £1200 at a purchase rate of 6.45% p.a.(variable), you will pay 6.4% APR Representative (variable).

Lloyds Bank | Platinum Low Rate Credit Card

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Halifax
6.45% 3
Months
0.0% N/A N/A 6.4% APR
Representative variable
One simple low rate for both balance transfers and purchases - exclusively available online. A low representative rate of 6.4% APR (variable). At least 51% of customers will get a representative rate of 6.4% APR (variable). Others will get a rate of 10.9% APR (variable), or 14.9% APR (variable). One simple rate for both balance transfers and purchases. Minimum £100 balance transfer. 0% fee on balance transfers within the first 90 days. 3% fee applies on each balance transfer made after the first 90 days.
Representative Example: If you borrow £1200 at a purchase rate of 6.45% p.a.(variable), you will pay 6.4% APR Representative (variable).

Halifax | Low Rate Credit Card

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AA
N/A N/A N/A N/A N/A 6.9% APR
Representative variable
6.9% p.a. (variable) interest on purchases and balance transfers. No fee to make balance transfers. No annual fee. 40% discount AA European Breakdown cover on trips of 3 days or more if you book by 1st April 2016* AA Credit Cards are provided by Bank of Ireland UK. AA Financial Services Limited is a credit broker and not a lender.
Representative Example: If you borrow £1200 at a purchase rate of 6.9% p.a.(variable), you will pay 6.9% APR Representative (variable).

AA | Low Rate Credit Card

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N/A N/A N/A N/A N/A 7.4% APR
Representative variable
Representative Example: If you borrow £1200 at a purchase rate of 7.4% p.a.(variable), you will pay 7.4% APR Representative (variable).

MBNA Europe | Everyday Plus Credit Card

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Sainsburys Bank
N/A N/A N/A N/A N/A 9.9% APR
Representative variable
Pay just 9.93% interest on purchases and on balance transfers. No balance transfer fee applies. Collect 2 Nectar points per £1 spent on Sainsbury's shopping & fuel, when you use your Credit Card. Collect 1 Nectar point per £5 spent on your Credit Card elsewhere. No cash advance fee on Sainsbury’s Travel Money purchases. Accepted worldwide at almost 36 million locations, wherever you see the MasterCard logo. No annual fee.
Representative Example: If you borrow £1200 at a purchase rate of 9.93% p.a.(variable), you will pay 9.9% APR Representative (variable).

Sainsburys Bank | Nectar Low Rate Credit Card

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Royal Bank of Scotland
N/A N/A N/A N/A N/A 11.1% APR
Representative variable
No need to worry about teaser rates that jump up and sting you when the 0% offer ends. One simple low rate of 6.9% p.a. (variable) on purchases and balance transfers. No balance transfer fees - just one £24 annual fee.
Representative Example: If you borrow £1200 at a purchase rate of 6.9% p.a.(variable), with an £24 annual fee, you will pay 11.1% APR Representative (variable).

Royal Bank of Scotland | Clear Rate Platinum Credit Card

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NatWest
N/A N/A N/A N/A N/A 11.1% APR
Representative variable
No need to worry about teaser rates that jump up and sting you when the 0% offer ends. One simple low rate of 6.9% p.a. (variable) on purchases and balance transfers. No balance transfer fees - just one £24 annual fee.
Representative Example: If you borrow £1200 at a purchase rate of 6.9% p.a.(variable), with an £24 annual fee, you will pay 11.1% APR Representative (variable).

NatWest | Clear Rate Platinum Credit Card

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Barclaycard
N/A N/A N/A N/A N/A 11.9% APR
Representative variable
Barclaycard's low rate Platinum card. 11.9% interest on all purchases and balance transfers. No annual fee. APR and offer terms may vary with individual circumstances, subject to status.
Representative Example: If you borrow £1200 at a purchase rate of 11.9% p.a.(variable), you will pay 11.9% APR Representative (variable).

Barclaycard | Low Rate Platinum Card

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N/A N/A N/A N/A N/A 11.9% APR
Representative variable
Representative Example: If you borrow £1200 at a purchase rate of 11.9% p.a.(variable), you will pay 11.9% APR Representative (variable).

Amnesty International | Fixed Rate Platinum Credit Card

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TSB
4.9% 12
Months
3.0% 0.0% 6
Months
11.9% APR
Representative variable
0% interest on purchases for the first 6 months. 4.9% p.a. interest for the first 12 months on balance transfers within the first 90 days (3% fee applies).
Representative Example: If you borrow £1200 at a purchase rate of 11.95% p.a.(variable), you will pay 11.9% APR Representative (variable).

TSB | Advance Credit Card

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N/A N/A N/A N/A N/A 12.9% APR
Representative variable
Representative Example: If you borrow £1200 at a purchase rate of 12.9% p.a.(variable), you will pay 12.9% APR Representative (variable).

Creation Financial Services | Everyday Card

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6.9% 36
Months
0.0% 6.9% 36
Months
15.9% APR
Representative variable
Representative Example: If you borrow £1200 at a purchase rate of 15.9% p.a.(variable), you will pay 15.9% APR Representative (variable).

The Co-operative Bank | 3 Year Fixed Rate Credit Card

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Nationwide Building Society
0.0% 12
Months
0.0% 0.0% 12
Months
15.9% APR
Representative variable
0% on balance transfers for 12 months. Balance transfers must be completed within 3 months of account opening. No balance transfer fee. 0% on purchases for 12 months. 0.5% unlimited cashback on all sterling purchases. Fraud Protection Guarantee. Simply Rewards. Unlimited commission-free purchases abroad
Representative Example: If you borrow £1200 at a purchase rate of 15.9% p.a.(variable), you will pay 15.9% APR Representative (variable).

Nationwide Building Society | Select Credit Card Ex/C

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0.0% 12
Months
3.0% 0.0% 3
Months
16.9% APR
Representative variable
Representative Example: If you borrow £1200 at a purchase rate of 16.9% p.a.(variable), you will pay 16.9% APR Representative (variable).

Miles & More | Credit Card (Visa)

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Royal Bank of Scotland
N/A N/A N/A N/A N/A 17.4% APR
Representative variable
Earn Rewards on everyday spend. 1% Reward on all Supermarket spend (0.5% at their petrol stations). At least 1% Reward at MyRewards retailers and 0.5% everywhere else you shop at home & abroad. 5.00 Rewards = £5.00 when redeemed. 1% Rewards if you use contactless until 30th June 2016. 1% on payments up to £30 you make using Apple Pay in stores until 30th June 2016. You will receive a refund of the annual fee if you also have a Reward account (available to over 18’s and UK residents only. Monthly fee applies and additional criteria apply for Reward Black)
Representative Example: If you borrow £1200 at a purchase rate of 12.9% p.a.(variable), with an £24 annual fee, you will pay 17.4% APR Representative (variable).

Royal Bank of Scotland | Reward Credit Card

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N/A N/A N/A N/A N/A 17.5% APR
Representative variable
Representative Example: If you borrow £1200 at a purchase rate of 17.46% p.a.(variable), you will pay 17.5% APR Representative (variable).

Coutts & Co. | Classic Card

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Post Office Money
0.0% 18
Months
0.0% 0.0% 3
Months
17.8% APR
Representative variable

0% on balance transfers for 18 months. Balance transfers must be made within 3 months of account opening. 0% fee on balance transfers. An initial 2.98% fee applies, but this will be reduced to 0% by a refund within 90 days. 0% on purchases for the first 3 months. No annual fee. The credit card for everyday use at home or abroad. Post Office Credit Cards are provided by Bank of Ireland UK. Post Office Limited is a credit broker and not a lender.

Representative Example: If you borrow £1200 at a purchase rate of 17.8% p.a.(variable), you will pay 17.8% APR Representative (variable).

Post Office Money | Platinum Card

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N/A N/A N/A 0.0% 3
Months
17.9% APR
Representative variable
Representative Example: If you borrow £1200 at a purchase rate of 17.9% p.a.(variable), you will pay 17.9% APR Representative (variable).

Bank of Ireland (NI) | Student Credit Card

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0.0% 9
Months
2.98% 0.0% 3
Months
17.9% APR
Representative variable
Representative Example: If you borrow £1200 at a purchase rate of 17.9% p.a.(variable), you will pay 17.9% APR Representative (variable).

Bank of Ireland (NI) | Queen's Affinity Credit Card

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Nationwide Building Society
0.0% 12
Months
0.0% 0.0% 12
Months
17.9% APR
Representative variable
0% on balance transfers for 12 months. Balance Transfers must be completed within 3 months of account opening. No balance transfer fee. 0% on purchases for 12 months. Earn commission-free purchases abroad. A great range of savings on big brands with our Simply Rewards Scheme. Simply use your Nationwide debit or credit card to take advantage of the offers. Fraud guarantee gives you 24/7 account monitoring and the latest card protection technology. Manage your account online.
Representative Example: If you borrow £1200 at a purchase rate of 17.9% p.a.(variable), you will pay 17.9% APR Representative (variable).

Nationwide Building Society | Credit Card

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TSB
0.0% 6
Months
3.0% N/A N/A 17.9% APR
Representative variable
The great thing about having two cards on one account is the flexibility to collect Avios as fast as possible. Together, they combine great collection rates with worldwide acceptance, so it’s worth carrying both when you shop. You'll collect Avios on almost every purchase you make on a TSB Avios American Express® Card and Avios for every £5 of eligible spend on the TSB Avios Mastercard®. Collect in over 32 million MasterCard locations, and millions of American Express merchants on the high street and around the world. Collect double Avios on your eligible spend abroad. 0% for 6 months on balances transferred within the first 90 days (3% fee applies). You'll also collect 1,500 bonus Avios for every whole £1,000 balance you transfer from a single provider. ‘You'll collect 1 Avios on almost every £1 you spend on the TSB Avios American Express® Card and 1 Avios for every £5 of eligible spend on the TSB Avios MasterCard®
Representative Example: If you borrow £1200 at a purchase rate of 17.95% p.a.(variable), you will pay 17.9% APR Representative (variable).

TSB | Avios Credit Card (MCard)

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0.0% 24
Months
1.0% 0.0% 4
Months
18.0% APR
Representative variable
Representative Example: If you borrow £1200 at a purchase rate of 18.0% p.a.(variable), you will pay 18.0% APR Representative (variable).

The Co-operative Bank | Balance Transfer Credit Card

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Santander
0.0% 23
Months
0.0% 0.0% 23
Months
18.4% APR
Representative variable

Earn cashback on your everyday spending: 1% cashback at all major supermarkets (on spend of up to £300 per month). 2% cashback at all major departments stores (on spend of up to £150 per month), 3% cashback at all major petrol stations and on National Rail and Transport for London travel, including Santander Cycles (on combined spend of up to £100 a month). Terms & Conditions apply. 0% for 23 months on balance transfers & purchases from account opening. 18.4% APR Representative (Variable).  No foreign exchange fees. Use your 1I2I3 Credit Card abroad until 31 December 2016 and you won’t be charged any foreign exchange fees when paying in the local currency. A monthly fee of £3 applies If you already have, or if you open any of Santander's 1I2I3 Current Accounts, Santander will refund the first 6 months' fees on your 1I2I3 Credit Card. Contactless payments on items below £30. Subject to status. Apple pay - Pay with your iPhone, iPad or Apple Watch. In addition to the standard cashback, earn 3% bonus cashback on 1|2|3 Credit Card purchases made using Apple Pay (on spend of up to £100 per month). Offer ends 29 February 2016.

Representative Example: If you borrow £1200 at a purchase rate of 12.7% p.a.(variable), with an £36 annual fee, you will pay 18.4% APR Representative (variable).

Santander | 123 Credit Card

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Sainsburys Bank
0.0% 21
Months
3.0% 0.0% 21
Months
18.9% APR
Representative variable
If your application is approved you are guaranteed to get the 0% interest period advertised. Pay 0% interest on Balance Transfers for the first 21 months. 3% fee on Balance Transfers (£3 min). 0% for 21 months on Purchases. 18.9% APR Representative Variable. No annual fee. Collect 2 Nectar points per £1 spent on Sainsbury's shopping & fuel, when you use your Credit Card. Collect 1 Nectar point per £5 spent on your Credit Card elsewhere. No cash advance fee on Sainsbury’s Travel Money Purchases.
Representative Example: If you borrow £1200 at a purchase rate of 18.95% p.a.(variable), you will pay 18.9% APR Representative (variable).

Sainsburys Bank | Nectar Dual Offer Credit Card

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0.0% 3
Months
2.9% 0.0% 21
Months
18.9% APR
Representative variable
Representative Example: If you borrow £1200 at a purchase rate of 18.94% p.a.(variable), you will pay 18.9% APR Representative (variable).

Tesco Bank | Clubcard Credit Card (Purchase)

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Bank of Scotland
0.0% 21
Months
2.5% 0.0% 21
Months
18.9% APR
Representative variable

0% for up to the first 21 months from account opening on balance transfers made in the first 90 days. Minimum £100 balance transfer. At least 51% of customers will get 0% on balance transfers for the first 21 months and a representative rate of 18.9% APR (variable). Others will get 0% for 18 or 15 months and a rate of either 21.9% APR (variable), or 25.9% APR (variable). 2.5% fee applies on each balance transfer made in the first 90 days. 3% fee applies on each balance transfer made after the first 90 days. 0% for 21 months from account opening on purchases. At least 51% of customers will get 0% on purchases for the first 21 months and a representative rate of 18.9% APR (variable). Others will get 0% for 18 or 15 months and a rate of either 21.9% APR (variable) or 25.9% APR (variable).

Representative Example: If you borrow £1200 at a purchase rate of 18.95% p.a.(variable), you will pay 18.9% APR Representative (variable).

Bank of Scotland | Platinum Balance Transfer Card (21/21 Mths)

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Halifax
0.0% 21
Months
2.5% 0.0% 21
Months
18.9% APR
Representative variable
0% for up to the first 21 months from account opening on balance transfers within the first 90 days. Minimum £100 balance transfer. At least 51% of customers will get 0% on balance transfers for the first 21 months and a representative rate of 18.9% APR (variable). Others will get 0% for 18 or 15 months and a rate of 21.9% APR (variable), or 25.9% APR (variable). 2.5% fee applies on each balance transfer made in the first 90 days. 3% fee applies for each balance transfer made after the first 90 days. 0% for up to 21 months from account opening on purchases. At least 51% of customers will get 0% on purchases for the first 21 months and a representative rate of 18.9% APR (variable). Others will get 0% for 18 or 15 months and a rate of 21.9% APR (variable), or 25.9% APR (variable).
Representative Example: If you borrow £1200 at a purchase rate of 18.95% p.a.(variable), you will pay 18.9% APR Representative (variable).

Halifax | Balance Transfer Credit Card (21 Mths)

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Lloyds Bank
0.0% 21
Months
2.5% 0.0% 21
Months
18.9% APR
Representative variable
0% interest on balance transfers. Get 21 months 0% interest on balance transfers made within 90 days of opening your account. 2.5% balance transfer fee. You’ll also pay only a 2.5% fee on balances transferred during these 90 days, instead of the standard 3% fee. 0% interest on purchases. For 21 months after opening your account, get 0% on purchases.
Representative Example: If you borrow £1200 at a purchase rate of 18.94% p.a.(variable), you will pay 18.9% APR Representative (variable).

Lloyds Bank | Platinum Balance Transfer Card (21/21 Mths)

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TSB
0.0% 20
Months
2.95% 0.0% 20
Months
18.9% APR
Representative variable
0% interest for the first 20 months on balance transfers within the first 90 days. A Balance Transfer fee of 2.95% applies. 0% on purchases for 20 months. Subject to lending criteria and status. Minimum £100 balance transfer.
Representative Example: If you borrow £1200 at a purchase rate of 18.94% p.a.(variable), you will pay 18.9% APR Representative (variable).

TSB | Platinum Purchase Card

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0.0% 20
Months
1.5% 0.0% 20
Months
18.9% APR
Representative variable
Representative Example: If you borrow £1200 at a purchase rate of 18.9% p.a.(variable), you will pay 18.9% APR Representative (variable).

MBNA Europe | Al Round Credit Card

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Barclaycard
0.0% 20
Months
1.49% 0.0% 20
Months
18.9% APR
Representative variable
0% interest on purchases for 20 months and 0% interest for 20 months on balance transfers (1.49% transfer fee applies). A fee of 3% will be applied, then reduced to 1.49% by a refund (terms and conditions apply).
Representative Example: If you borrow £1200 at a purchase rate of 18.9% p.a.(variable), you will pay 18.9% APR Representative (variable).

Barclaycard | Platinum With Balance Transfer (20 Mths)

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0.0% 15
Months
2.9% 0.0% 19
Months
18.9% APR
Representative variable
Representative Example: If you borrow £1200 at a purchase rate of 18.9% p.a.(variable), you will pay 18.9% APR Representative (variable).

M&S Bank | Credit Card Ex/C

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Santander
0.0% 15
Months
0.0% 0.0% 15
Months
18.9% APR
Representative variable
0% for 15 months on balance transfers and purchases from the date of account opening. No balance transfer fee during the introductory period. No annual fee. Apple pay - Pay with your iPhone, iPad or Apple Watch.
Representative Example: If you borrow £1200 at a purchase rate of 18.9% p.a.(variable), you will pay 18.9% APR Representative (variable).

Santander | Credit Card

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0.0% 12
Months
0.0% 0.0% 12
Months
18.9% APR
Representative variable
Representative Example: If you borrow £1200 at a purchase rate of 18.94% p.a.(variable), you will pay 18.9% APR Representative (variable).

Tesco Bank | Clubcard Credit Card with No BT Fee - Semi Excl

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Post Office Money
0.0% 16
Months
2.98% 0.0% 27
Months
18.9% APR
Representative variable

For everyday purchases and balance transfers. 0% on purchases for the first 27 months. To qualify, a transaction must be made within the first 3 months, otherwise the promotional period will be reduced to 16 months. 0% on balance transfers for 16 months. Balance transfers must be made within the first 3 months. 2.98% fee on balance transfers. No annual fee. Post Office Credit Cards are provided by Bank of Ireland UK. Post Office Limited is a credit broker and not a lender. 

Representative Example: If you borrow £1200 at a purchase rate of 18.9% p.a.(variable), you will pay 18.9% APR Representative (variable).

Post Office Money | Matched Card

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Sainsburys Bank
0.0% 18
Months
3.0% 0.0% 25
Months
18.9% APR
Representative variable
If your application is approved you are guaranteed to get the 0% interest period advertised. Pay 0% interest on purchases for your first 25 months. Pay 0% interest on balance transfers for your first 18 months (3% balance transfer fee applies. Minimum £3). Collect 2 Nectar points per £1 spent on Sainsbury's shopping & fuel, when you use your Credit Card. Collect 1 Nectar point per £5 spent on your Credit Card elsewhere. No cash advance fee on Sainsbury's Travel Money purchases. No annual fee.
Representative Example: If you borrow £1200 at a purchase rate of 18.95% p.a.(variable), you will pay 18.9% APR Representative (variable).

Sainsburys Bank | Nectar Purchase Credit Card

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Bank of Scotland
0.0% 30
Months
1.0% 0.0% 12
Months
18.9% APR
Representative variable

An unmissable offer: our best deal combining an introductory offer on balance transfers and purchases, plus a low balance transfer fee. 0% for up to 30 months from account opening on balance transfers within the first 90 days. Minimum £100 balance transfer. At least 51% of customers will get a representative rate of 18.9% APR (variable). Others will get a rate of 21.9% APR (variable) or 25.9% APR (variable). 1% fee applies on each balance transfer made in the first 90 days. 3% fee applies on each balance transfer made after the first 90 days. 0% for 12 months from account opening on purchases.

Representative Example: If you borrow £1200 at a purchase rate of 18.95% p.a.(variable), you will pay 18.9% APR Representative (variable).

Bank of Scotland | Platinum Balance Transfer Card (30 Mths)

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Halifax
0.0% 30
Months
1.0% 0.0% 12
Months
18.9% APR
Representative variable

An unmissable offer: our best deal combining an introductory offer on balance transfers and purchases, plus a low balance transfer fee. 0% for 30 months from account opening on balance transfers within the first 90 days. Minimum £100 balance transfer. At least 51% of customers will get a representative rate of 18.9% APR (variable). Others will get a rate of either 21.9% APR (variable) or 25.9% APR (variable). 1% fee applies on each balance transfer made in the first 90 days. 3% fee applies on each balance transfer made after the first 90 days. 0% for 12 months from account opening on purchases.

Representative Example: If you borrow £1200 at a purchase rate of 18.95% p.a.(variable), you will pay 18.9% APR Representative (variable).

Halifax | Balance Transfer Credit Card (30 Mths)

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Lloyds Bank
0.0% 30
Months
1.0% 0.0% 12
Months
18.9% APR
Representative variable

0% interest on balance transfers. Get 30 months' 0% interest on balance transfers made within 90 days of opening your account. 0% interest on purchases. For 12 months after opening your account, get 0% interest on purchases made. 1% balance transfer fee. You'll also pay only a 1% fee on balances transferred during these 90 days, instead of the standard 3% fee.

Representative Example: If you borrow £1200 at a purchase rate of 18.94% p.a.(variable), you will pay 18.9% APR Representative (variable).

Lloyds Bank | Platinum Balance Transfer Card (30 Mths)

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Lloyds Bank
0.0% 32
Months
1.14% 0.0% 6
Months
18.9% APR
Representative variable
0% interest on balance transfers. Get up to 32 months 0% interest on balance transfers made within 90 days of opening your account. 1.39% balance transfer fee. An initial 3% fee applies; we'll then refund 1.61% within 90 days, so the effective fee is 1.39%. The refund applies for balance transfers in the first 90 days from when we open your account, after which a 3% fee applies. 0% interest on purchases. For 6 months after opening your account, get 0% on purchases made.
Representative Example: If you borrow £1200 at a purchase rate of 18.94% p.a.(variable), you will pay 18.9% APR Representative (variable).

Lloyds Bank | Platinum Balance Transfer Card (32 Mths)

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0.0% 32
Months
1.14% 0.0% 6
Months
18.9% APR
Representative variable
Representative Example: If you borrow £1200 at a purchase rate of 18.95% p.a.(variable), you will pay 18.9% APR Representative (variable).

Halifax | Balance Transfer Credit Card (32 Mths)

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Bank of Scotland
0.0% 32
Months
1.14% 0.0% 6
Months
18.9% APR
Representative variable
A great credit card for balance transfers, plus a low balance transfer fee – available exclusively online. 0% for up to 32 months from account opening on balance transfers within the first 90 days. Minimum £100 balance transfer. At least 51% of customers will get 0% on balance transfers for the first 32 months and a representative rate of 18.9% APR (variable). Others will get 0% for 32 or 26 months and a rate of 21.9% APR (variable), or 25.9% APR (variable). 1.39% effective fee applies on each balance transfer made in the first 90 days. An initial 3% fee applies; we'll then refund 1.61% within 90 days, so the effective fee is 1.39%. The refund applies for balance transfers in the first 90 days from when we open your account, after which a 3% fee applies for each balance transfer. 0% for 6 months from account opening on purchases.
Representative Example: If you borrow £1200 at a purchase rate of 18.95% p.a.(variable), you will pay 18.9% APR Representative (variable).

Bank of Scotland | Platinum Balance Transfer Card (32 Mths)

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Barclaycard
0.0% 32
Months
1.08% 0.0% 6
Months
18.9% APR
Representative variable
0% interest on balance transfers for 32 months from account opening (1.08% fee applies). A fee of 3.5% will be applied, then reduced to 1.08% by a refund (terms and conditions apply). 0% interest on purchases for 6 months from account opening.
Representative Example: If you borrow £1200 at a purchase rate of 18.9% p.a.(variable), you will pay 18.9% APR Representative (variable).

Barclaycard | Platinum With Balance Transfer (32 Mths)

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Barclaycard
0.0% 28
Months
0.9% 0.0% 6
Months
18.9% APR
Representative variable
0% interest on balance transfers for 28 months from account opening (0.90% fee applies). A fee of 3.5% will be applied, then reduced to 0.90% by a refund (terms and conditions apply). 0% interest on purchases for 6 months from account opening.
Representative Example: If you borrow £1200 at a purchase rate of 18.9% p.a.(variable), you will pay 18.9% APR Representative (variable).

Barclaycard | Platinum With Balance Transfer (28 Mths)

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Halifax
0.0% 23
Months
0.0% 0.0% 6
Months
18.9% APR
Representative variable
0% for up to 23 months from account opening on balance transfers made in the first 90 days. Minimum £100 balance transfer. At least 51% of customers will get 0% on balance transfers for the first 23 months and a representative rate of 18.9% APR (variable). Others will get 0% interest on balance transfers for the first 13 months and a rate of 21.9% APR (variable) or 25.9% APR (variable). 0% fee applies on each balance transfer made in the first 90 days. 3% fee applies on each balance transfer made after the first 90 days. 0% for 6 months from account opening on purchases.
Representative Example: If you borrow £1200 at a purchase rate of 18.95% p.a.(variable), you will pay 18.9% APR Representative (variable).

Halifax | Balance Transfer Credit Card (23 Mths)

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Barclaycard
0.0% 26
Months
0.68% 0.0% 6
Months
18.9% APR
Representative variable
0% interest on balance transfers for 26 months from account opening (0.68% fee applies). A fee of 3.5% will be applied, then reduced to 0.68% by a refund (terms and conditions apply). 0% interest on purchases for 6 months from account opening.
Representative Example: If you borrow £1200 at a purchase rate of 18.9% p.a.(variable), you will pay 18.9% APR Representative (variable).

Barclaycard | Platinum With Balance Transfer (26 Mths)

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Bank of Scotland
0.0% 20
Months
0.0% 0.0% 6
Months
18.9% APR
Representative variable
0% for up to 20 months from account opening on balance transfers within the first 90 days. Minimum £100 balance transfer. At least 51% of customers will get 0% on balance transfers for the first 20 months and a representative rate of 18.9% APR (variable). Others will get 0% on balance transfers for the first 13 months and a rate of 21.9% APR (variable), or 25.9% APR (variable). 0% fee on balance transfers within the first 90 days. 3% fee applies on each balance transfer made after the first 90 days. 0% for 6 months from account opening on purchases.
Representative Example: If you borrow £1200 at a purchase rate of 18.95% p.a.(variable), you will pay 18.9% APR Representative (variable).

Bank of Scotland | Platinum Balance Transfer Card (20 Mths)

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0.0% 6
Months
3.0% 0.0% 6
Months
18.9% APR
Representative variable
Representative Example: If you borrow £1200 at a purchase rate of 18.9% p.a.(variable), you will pay 18.9% APR Representative (variable).

Amnesty International | Standard Credit Card

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0.0% 12
Months
2.9% 0.0% 6
Months
18.9% APR
Representative variable
Representative Example: If you borrow £1200 at a purchase rate of 18.9% p.a.(variable), you will pay 18.9% APR Representative (variable).

ASDA | Credit Card

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Barclaycard
0.0% 36
Months
2.39% 0.0% 6
Months
18.9% APR
Representative variable
 0% interest on balance transfers for 36 months from account opening (2.39% fee applies). A fee of 3.5% will be applied, then reduced to 2.39% by a refund (terms and conditions apply). 0% interest on purchases for 6 months from account opening.
Representative Example: If you borrow £1200 at a purchase rate of 18.9% p.a.(variable), you will pay 18.9% APR Representative (variable).

Barclaycard | Platinum With Balance Transfer (36 Mths) Semi Excl

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Lloyds Bank
0.0% 37
Months
2.65% 0.0% 6
Months
18.9% APR
Representative variable
0% interest on balance transfers. Get up to 37 months' 0% interest on balance transfers made within 90 days of opening your account. 0% interest on purchases. For 6 months after opening your account, get 0% interest on purchases made. Worldwide use. Accepted in over 36 million MasterCard locations worldwide.
Representative Example: If you borrow £1200 at a purchase rate of 18.94% p.a.(variable), you will pay 18.9% APR Representative (variable).

Lloyds Bank | Platinum Balance Transfer Card (37 Mths)

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Bank of Scotland
0.0% 37
Months
2.65% 0.0% 6
Months
18.9% APR
Representative variable

0% for up to 37 months from account opening on balance transfers within the first 90 days. Minimum £100 balance transfer. At least 51% of customers will get 0% on balance transfers for the first 37 months and a representative rate of 18.9% APR (variable). Others will get 0% on balance transfers for the first 37 months and a representative rate of 21.9% APR (variable), or 0% on balance transfers for the first 18 months and a representative rate of 25.9% APR (variable). 2.65% effective fee applies on each balance transfer made in the first 90 days. An initial 3% fee applies; we'll then refund 0.35% within 90 days, so the effective fee is 2.65%. The refund applies for balance transfers in the first 90 days from when we open your account, after which a 3% fee applies for each balance transfer. 0% for the first 6 months on purchases.

Representative Example: If you borrow £1200 at a purchase rate of 18.95% p.a.(variable), you will pay 18.9% APR Representative (variable).

Bank of Scotland | Platinum Balance Transfer Card (37 Mths)

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Barclaycard
0.0% 37
Months
2.54% 0.0% 6
Months
18.9% APR
Representative variable
 0% interest on balance transfers for 37 months from account opening (2.54% % handling fee applies). A fee of 3.5% will be applied, then reduced to 2.54% by a refund (terms and conditions apply). 0% interest on purchases for 6 months from account opening.
Representative Example: If you borrow £1200 at a purchase rate of 18.9% p.a.(variable), you will pay 18.9% APR Representative (variable).

Barclaycard | Platinum With Balance Transfer (37 Mths) Semi Excl

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Halifax
0.0% 40
Months
2.95% 0.0% 6
Months
18.9% APR
Representative variable

Balance Transfer offer - exclusively available online only. 0% for up to 40 months from account opening on balance transfers made in the first 90 days. Minimum £100 balance transfer. At least 51% of customers will get 0% on balance transfers for the first 40 months and a representative rate of 18.9% APR (variable). Others will get 0% on balance transfers for the first 40 months and a rate of 21.9% APR (variable), or 0% on balance transfers for the first 20 months and a rate of either 25.9% APR (variable) or 27.9% APR (variable). 2.95% effective fee applies on each balance transfer made in the first 90 days. An initial 3% fee applies; we'll then refund 0.05% within 90 days, so the effective fee is 2.45%. The refund applies for balance transfers in the first 90 days from when we open your account, after which a 3% fee applies for each balance transfer. 0% for 6 months from account opening on purchases.

Representative Example: If you borrow £1200 at a purchase rate of 18.95% p.a.(variable), you will pay 18.9% APR Representative (variable).

Halifax | Balance Transfer Credit Card (40 Mths)

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Sainsburys Bank
0.0% 30
Months
1.5% 0.0% 6
Months
18.9% APR
Representative variable
1.5% balance transfer fee applies on transfers made within your first 3 months, 3% afterwards (minimum £3). If your application is approved you are guaranteed to get the 0% interest period advertised. Pay 0% interest on Balance Transfers for the first 30 months. Pay 0% interest on purchases for the first 6 months. Collect 2 Nectar points per £1 spent on Sainsbury's shopping & fuel, when you use your Credit Card. Collect 1 Nectar point per £5 spent on your Credit Card elsewhere.
Representative Example: If you borrow £1200 at a purchase rate of 18.95% p.a.(variable), you will pay 18.9% APR Representative (variable).

Sainsburys Bank | Nectar Low Balance Transfer Fee Credit Card

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Lloyds Bank
0.0% 20
Months
0.0% 0.0% 6
Months
18.9% APR
Representative variable
0% interest on balance transfers. Get up to 20 months' 0% interest on balance transfers made within 90 days of opening your account. 0% interest on purchases. For 6 months after opening your account, get 0% interest on purchases made. No balance transfer fee. You'll also pay no fees on balances transferred within 90 days of account opening, instead of the standard 3% fee.
Representative Example: If you borrow £1200 at a purchase rate of 18.94% p.a.(variable), you will pay 18.9% APR Representative (variable).

Lloyds Bank | Platinum Balance Transfer Card (20 Mths)

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Sainsburys Bank
0.0% 18
Months
0.0% 0.0% 3
Months
18.9% APR
Representative variable
If your application is approved you are guaranteed to get the 0% interest period advertised. Pay 0% interest on balance transfers for your first 18 months. No balance transfer fee. Pay 0% interest on purchases for your first 3 months. Collect 2 Nectar points per £1 spent on Sainsbury's shopping & fuel, when you use your Credit Card. Collect 1 Nectar point per £5 spent on your Credit Card elsewhere. No cash advance fee on Sainsbury’s Travel Money purchases. Accepted worldwide at almost 36 million locations, wherever you see the MasterCard logo. No annual fee.
Representative Example: If you borrow £1200 at a purchase rate of 18.95% p.a.(variable), you will pay 18.9% APR Representative (variable).

Sainsburys Bank | Nectar No BT Fee Credit Card

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0.0% 12
Months
5.0% 0.0% 3
Months
18.9% APR
Representative variable
Representative Example: If you borrow £1200 at a purchase rate of 18.9% p.a.(variable), you will pay 18.9% APR Representative (variable).

Creation Financial Services | Balance Transfer Card

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0.0% 36
Months
2.39% 0.0% 3
Months
18.9% APR
Representative variable
Representative Example: If you borrow £1200 at a purchase rate of 18.9% p.a.(variable), you will pay 18.9% APR Representative (variable).

Virgin Money | Virgin Money Transfer Credit Card (36 Mths)

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0.0% 32
Months
1.69% 0.0% 3
Months
18.9% APR
Representative variable
Representative Example: If you borrow £1200 at a purchase rate of 18.9% p.a.(variable), you will pay 18.9% APR Representative (variable).

Virgin Money | Virgin Money Transfer Credit Card (32 Mths)

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0.0% 36
Months
1.69% 0.0% 3
Months
18.9% APR
Representative variable
Representative Example: If you borrow £1200 at a purchase rate of 18.9% p.a.(variable), you will pay 18.9% APR Representative (variable).

Virgin Money | Virgin Balance Transfer Credit Card (36 Mths)

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Post Office Money
0.0% 37
Months
2.49% 0.0% 3
Months
18.9% APR
Representative variable
0% on balance transfers for 37 months. Balance transfers must be made within 3 months of account opening. 2.49% fee on balance transfers. An initial 2.98% fee applies, but this will be reduced to 0% by a refund within 90 days. 0% on purchases for the first 3 months. No annual fee. 
Representative Example: If you borrow £1200 at a purchase rate of 18.9% p.a.(variable), you will pay 18.9% APR Representative (variable).

Post Office Money | Balance Transfer Credit Card

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0.0% 40
Months
2.89% 0.0% 3
Months
18.9% APR
Representative variable
Representative Example: If you borrow £1200 at a purchase rate of 18.9% p.a.(variable), you will pay 18.9% APR Representative (variable).

Virgin Money | Virgin Balance Transfer Credit Card (40 Mths)

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Sainsburys Bank
0.0% 37
Months
2.89% 0.0% 3
Months
18.9% APR
Representative variable
If your application is approved you are guaranteed to get the 0% interest period advertised. Pay 0% interest on Balance Transfers for the first 37 months. A reduced 2.89% balance transfer fee applies on transfers within your first 3 months. 3% afterwards (minimum £3). Pay 0% interest on purchases for the first 3 months. Collect 2 Nectar points per £1 spent on Sainsbury's shopping & fuel, when you use your Credit Card. Collect 1 Nectar point per £5 spent on your Credit Card elsewhere.
Representative Example: If you borrow £1200 at a purchase rate of 18.95% p.a.(variable), you will pay 18.9% APR Representative (variable).

Sainsburys Bank | Nectar Long Balance Transfer Credit Card

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0.0% 38
Months
2.7% 0.0% 3
Months
18.9% APR
Representative variable

Representative Example: If you borrow £1200 at a purchase rate of 18.94% p.a.(variable), you will pay 18.9% APR Representative (variable).

Tesco Bank | Clubcard Credit Card (Balance Transfer)

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TSB
0.0% 28
Months
0.7% 0.0% 3
Months
18.9% APR
Representative variable
0% interest for up to 28 months on balance transfers within the first 90 days (0.7% fee). An initial 3% fee applies; we'll then refund 2.3% within 60 days, so the effective fee is 0.7%. The refund applies for balance transfers in the first 90 days from when we open your account, after which a 3% fee applies. The refund is only available if you are accepted for the card before 4 March 2016. 0% on purchases for the first 3 months.
Representative Example: If you borrow £1200 at a purchase rate of 18.94% p.a.(variable), you will pay 18.9% APR Representative (variable).

TSB | Platinum Balance Transfer Card - (28 Mths)

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N/A N/A N/A 0.0% 1
Months
18.9% APR
Representative variable
Representative Example: If you borrow £1200 at a purchase rate of 18.94% p.a.(variable), you will pay 18.9% APR Representative (variable).

Tesco Bank | Clubcard Credit Card with No BT Fee

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N/A N/A N/A N/A N/A 18.9% APR
Representative variable
Representative Example: If you borrow £1200 at a purchase rate of 18.95% p.a.(variable), you will pay 18.9% APR Representative (variable).

Halifax | Clarity Credit Card

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N/A N/A N/A N/A N/A 18.9% APR
Representative variable
Representative Example: If you borrow £1200 at a purchase rate of 18.9% p.a.(variable), you will pay 18.9% APR Representative (variable).

Ulster Bank | Student Card Ex/C

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Hilton HHonors
0.0% 15
Months
2.99% N/A N/A 18.9% APR
Representative variable
Earn a free night e-certificate, for one weekend night at many participating hotels in the Hilton Worldwide portfolio, when you spend £750 in the first 90 days (terms and conditions apply). ​Enjoy HHonors Silver status for as long as you are a card member. Earn an upgrade to HHonors Gold status any time your total spending reaches £10,000 in a calendar year. Earn 3 HHonors Bonus Points for every £1 you spend at hotels and resorts within the Hilton Worldwide portfolio. Earn 2 HHonors Bonus Points for every £1 you spend on everyday purchases. Plus, earn 2,500 HHonors Bonus Points for each of your first 4 stays at a hotel or resort within the Hilton Worldwide portfolio. Stays must be within the first 12 months of opening your account and be paid for using your Hilton HHonors Platinum Visa Card. 0% on balance transfers for 15 months from account opening (2.99% fee applies).
Representative Example: If you borrow £1200 at a purchase rate of 18.9% p.a.(variable), you will pay 18.9% APR Representative (variable).

Hilton HHonors | Platinum Credit Card

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0.0% 39
Months
2.98% N/A N/A 18.9% APR
Representative variable
Representative Example: If you borrow £1200 at a purchase rate of 18.9% p.a.(variable), you will pay 18.9% APR Representative (variable).

MBNA Europe | Platinum Credit Card (39 Mths)

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0.0% 32
Months
1.49% N/A N/A 18.9% APR
Representative variable
Representative Example: If you borrow £1200 at a purchase rate of 18.9% p.a.(variable), you will pay 18.9% APR Representative (variable).

MBNA Europe | Platinum Credit Card (32 Mths)

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0.0% 24
Months
3.45% N/A N/A 18.9% APR
Representative variable
Representative Example: If you borrow £1200 at a purchase rate of 18.9% p.a.(variable), you will pay 18.9% APR Representative (variable).

MBNA Europe | Platinum Credit Card (24 Mths)

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N/A N/A N/A N/A N/A 19.9% APR
Representative variable
Representative Example: If you borrow £1200 at a purchase rate of 19.95% p.a.(variable), you will pay 19.9% APR Representative (variable).

Bank of Scotland | Student Credit Card

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N/A N/A N/A N/A N/A 19.9% APR
Representative variable
Representative Example: If you borrow £1200 at a purchase rate of 19.94% p.a.(variable), you will pay 19.9% APR Representative (variable).

TSB | Student Credit Card Ex/C

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AA
0.0% 22
Months
0.0% 0.0% 3
Months
19.9% APR
Representative variable
0% for 22 months on balance transfers made in the first 3 months. 0% for 3 months on purchases from account opening. No fee to make balance transfers. No annual fee. 40% discount AA European Breakdown cover on trips of 3 days or more if you book by 1st April 2016* AA Credit Cards are provided by Bank of Ireland UK. AA Financial Services Limited is a credit broker and not a lender.
Representative Example: If you borrow £1200 at a purchase rate of 19.9% p.a.(variable), you will pay 19.9% APR Representative (variable).

AA | Balance Transfer Credit Card

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AA
0.0% 24
Months
2.98% 0.0% 24
Months
19.9% APR
Representative variable
0% for 24 months on balance transfers made in the first 3 months. A 2.98% fee applies to balance transfers. 0% on all purchases for 24 months from the date your account is opened. To qualify, a transaction must be made within the first 3 months, otherwise the promotional period will be reduced to 20 months. 40% discount AA European Breakdown cover, on trips of 3 days or more if you book before 1 April 2016. Contactless Payments. Instant Decision. No Annual Fee. Additional card security when you shop online with MasterCard® SecureCode™. 40% discount on AA European Breakdown Cover.
AA Credit Cards are provided by Bank of Ireland UK. AA Financial Services Limited is a credit broker and not a lender.
Representative Example: If you borrow £1200 at a purchase rate of 19.9% p.a.(variable), you will pay 19.9% APR Representative (variable).

AA | Dual Credit Card

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AA
N/A N/A N/A N/A N/A 22.4% APR
Representative variable
Get 4% cashback on fuel when you spend over £500 a month on any purchases, or 2% cashback on fuel when you spend less than £500 a month. 0.5% cashback on all other purchases. AA Breakdown Cover included in your first year, followed by an MOT every year you hold the card. Existing members will receive the MOT promotion in the first year instead of breakdown cover. AA Credit Cards are provided by Bank of Ireland UK. AA Financial Services Limited is a credit broker and not a lender.
Representative Example: If you borrow £1200 at a purchase rate of 14.9% p.a.(variable), you will pay 22.4% APR Representative (variable).

AA | FuelSave Credit Card

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British Airways
N/A N/A N/A N/A N/A 22.9% APR
Representative variable
Collect 1 Avios for virtually every £1 spent. Automatic enrollment in the BA Executive Club. Spend £20,000 on your card in one year and redeem your Avios on a BA flight and you'll receive a complimentary ticket for a companion to travel on the same flight. Receive 9,000 bonus Avios when you spend £1,000 in your first three months of Cardmembership.
Representative Example: If you borrow £1200 at a purchase rate of 22.9% p.a.(variable), you will pay 22.9% APR Representative (variable).

British Airways | Credit Card

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0.0% 6
Months
3.0% N/A N/A 22.9% APR
Representative variable
Representative Example: If you borrow £1200 at a purchase rate of 22.9% p.a.(variable), you will pay 22.9% APR Representative (variable).

Virgin Atlantic | White Card Account (Amex)

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American Express
N/A N/A N/A N/A N/A 22.9% APR
Representative variable
Welcome Bonus. 5% cashback during your first three months on up to £2,000 in purchases. Ongoing up to 1.25% cashback. After the first three months you’ll earn up to 1.25% cashback, depending on how much you spend on the Card: Spend £0 to £3,500 and receive 0.5% cashback on that spend. Spend between £3,500 and £7,500, receive 1% cashback on that spend. Spend over £7,501 and receive 1.25% cashback on that spend. As long as you spend a minimum of £3,000 in a year, almost every full pound you spend on your Card qualifies for cashback.
Representative Example: If you borrow £1200 at a purchase rate of 22.9% p.a.(variable), you will pay 22.9% APR Representative (variable).

American Express | Platinum Cashback Everyday Card

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NatWest
N/A N/A N/A N/A N/A 23.7% APR
Representative variable
Earn Rewards on everyday spend. 1% Reward on all Supermarket spend (0.5% at their petrol stations). At least 1% Reward at MyRewards retailers and 0.5% everywhere else you shop at home & abroad. 5.00 Rewards = £5.00 when redeemed. 1% Rewards if you use contactless until 30th June 2016. 1% on payments up to £30 you make using Apple Pay in stores until 30th June 2016. You will receive a refund of the annual fee if you also have a Reward account (available to over 18’s and UK residents only. Monthly fee applies and additional criteria apply for Reward Black)
Representative Example: If you borrow £1200 at a purchase rate of 18.9% p.a.(variable), with an £24 annual fee, you will pay 23.7% APR Representative (variable).

NatWest | Reward Credit Card

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Lloyds Bank
0.0% 30
Months
3.0% 0.0% 12
Months
23.7% APR
Representative variable
With two cards and one account, shopping has never been so rewarding. Choice rewards – Collect Choice points every time you shop, and redeem them for shopping vouchers at Amazon, Boots, Debenhams and other retailers, for cashback, travel rewards through Avios, and more. Double Choice points – Apply now and collect double points for the first 6 months when using your Lloyds Bank Choice Rewards American Express® card, up to a maximum spend of £2,500 per month. Rewards Terms and Conditions apply. 0% interest on purchases – For 12 months after opening your account, get 0% interest on purchases made when you stay within your credit limit and make your monthly payments on time. 0% interest on balance transfers – For 28 months after opening your account, get 0% interest on balance transfers made in the first 90 days (a minimum transfer of £100 and a 3% balance transfer fee applies).
Representative Example: If you borrow £1200 at a purchase rate of 18.94% p.a.(variable), with an £24 annual fee, you will pay 23.7% APR Representative (variable).

Lloyds Bank | Choice Rewards Credit Card (MCard)

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Avios
0.0% 30
Months
3.0% 0.0% 12
Months
23.7% APR
Representative variable
A brand new Credit Card Account from Lloyds Bank has taken off – and it’s packed with travel rewards. The Avios Rewards Credit Card Account. No foreign transaction fees. Flight Upgrade Voucher when your spend reaches £7,000 in a year. 0% on balance transfers for 28 months and purchases for 12 months (balances transferred within the first 90 days, 3% fee applies). Collect 1.25 Avios per £1 spent on the Lloyds Bank Avios Rewards American Express® Card. Collect 1.25 Avios per £5 spent on the Lloyds Bank Avios Rewards MasterCard®. Collect double Avios on eligible spend for the first 6 months on the Avios Rewards American Express® Card. Double Avios for 6 months with your American Express® Card. Annual account fee of £24.
Representative Example: If you borrow £1200 at a purchase rate of 18.94% p.a.(variable), with an £24 annual fee, you will pay 23.7% APR Representative (variable).

Avios | Lloyds Bank Avios Rewards Credit Card (MCard)

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TSB
0.0% 6
Months
3.0% N/A N/A 23.7% APR
Representative variable
You’ll collect 25% more Avios with the Premier Avios Credit Cards than with the Avios Credit Cards on eligible spend, and if your eligible spend is over £15,000 on your Cards in a year, you’ll get a Companion Ticket so you can take someone special away. Collect 1.25 Avios for every £1 of eligible spend on the Premier Avios American Express® Card and 1.25 Avios for every £5 of eligible spend on the Premier Avios MasterCard®. Collect in over 32 million MasterCard locations, and millions of American Express merchants on the high street and around the world. Collect double Avios on your eligible spend abroad. Companion Ticket with £15,000 of eligible spend in one year. 0% for the first 6 months on balance transfers within the first 90 days (3% fee applies). You'll also collect 1,500 bonus Avios for every whole £1,000 balance you transfer from a single provider.
Representative Example: If you borrow £1200 at a purchase rate of 13.95% p.a.(variable), with an £50 annual fee, you will pay 23.7% APR Representative (variable).

TSB | Premier Avios Credit Card (MCard)

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0.0% 12
Months
3.0% 0.0% 6
Months
23.9% APR
Representative variable
Representative Example: If you borrow £1200 at a purchase rate of 23.9% p.a.(variable), you will pay 23.9% APR Representative (variable).

MBNA Europe | Credit Card

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Barclaycard
0.0% 18
Months
2.69% 0.0% 3
Months
24.9% APR
Representative variable
0% interest on balance transfers for 18 months from account opening (2.69% handling fee applies). A fee of 2.99% will be applied, then reduced to 2.69% by a refund (terms and conditions apply). 0% interest on purchases for 3 months from account opening.
Representative Example: If you borrow £1200 at a purchase rate of 24.9% p.a.(variable), you will pay 24.9% APR Representative (variable).

Barclaycard | Platinum With Balance Transfer (18 Mths)

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Nectar
N/A N/A N/A N/A N/A 25.0% APR
Representative variable
20,000 Nectar bonus points welcome offer – worth £100 to spend with Nectar partners (when Cardmembers spend £2,000 in their first 3 months). First year’s Cardmembership fee of £25 is on us. Collect 2 points for virtually every full £1 spent on the Card. Collect up to 4 points for virtually every full £1 spent at Nectar partners. Complimentary Supplementary Card for a family member, so you can collect even more Nectar points when they use the Card.
Representative Example: If you borrow £1200 at a purchase rate of 19.9% p.a.(variable), you will pay 25.0% APR Representative (variable).

Nectar | Credit Card

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American Express
N/A N/A N/A N/A N/A 28.2% APR
Representative variable
Welcome Bonus. Enjoy a generous 5% cashback on virtually everything you buy for 3 months, on up to £2,500 in purchases. Ongoing 1.25% cashback. After the introductory period you’ll receive 1.25% cashback on virtually everything you buy – not just for a limited period. Anniversary cashback bonus. 2.5% cashback in the first month of every year if you spend more than £10,001 in your previous 12 months.
Representative Example: If you borrow £1200 at a purchase rate of 22.9% p.a.(variable), with an £25 annual fee, you will pay 28.2% APR Representative (variable).

American Express | Platinum Cashback Credit Card

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N/A N/A N/A N/A N/A 28.9% APR
Representative variable
Representative Example: If you borrow £1200 at a purchase rate of 14.71% p.a.(variable), with an £90 annual fee, you will pay 28.9% APR Representative (variable).

Coutts & Co. | Black Card

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Marbles
N/A N/A N/A N/A N/A 29.7% APR
Representative variable
The smart credit card that can help you stay in control. Start with an easy-to-manage credit limit from £250. Receive text alerts when you’re approaching your credit limit. Track transactions online and pick the payment date you want.
Representative Example: If you borrow £1200 at a purchase rate of 29.75% p.a.(variable), you will pay 29.7% APR Representative (variable).

Marbles | Credit Card - Semi Excl

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N/A N/A N/A N/A N/A 33.6% APR
Representative variable
Representative Example: If you borrow £1200 at a purchase rate of 15.94% p.a.(variable), with an £84 annual fee, you will pay 33.6% APR Representative (variable).

Royal Bank of Scotland | Reward Black Credit Card

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aqua
N/A N/A N/A N/A N/A 34.9% APR
Representative variable
aqua Advance - cut your interest rate by 15% over 3 years. Been turned down for credit before? Don’t take no for an answer and apply for an aqua Advance credit card today. The aqua Advance credit card offers the potential to reduce your interest rate by 15% over 3 years, giving you the chance to prove your financial setbacks are firmly in the past. You start on 34.9% APR representative variable, but you’ll soon get the chance to reduce your interest rate by 5% each year for 3 years. Just make sure you pay at least the minimum amount due on time and keep within your credit limit. At the end of 3 years you could end up with an APR of only 19.9%, and a very positive effect on your overall credit rating. aqua has said YES to over 750,000 customers in the UK. FREE aqua credit checker gives you unlimited access to your credit report, PLUS premium benefits to track your credit score and alert you to changes (worth up to £50 per year).
Representative Example: If you borrow £1200 at a purchase rate of 34.92% p.a.(variable), you will pay 34.9% APR Representative (variable).

aqua | Advance Card

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N/A N/A N/A N/A N/A 34.9% APR
Representative variable
Representative Example: If you borrow £1200 at a purchase rate of 34.91% p.a.(variable), you will pay 34.9% APR Representative (variable).

aqua | Reward Credit Card

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Barclaycard
N/A N/A N/A 0.0% 3
Months
34.9% APR
Representative variable

A credit limit between £150 and £1,200. 0% interest on all your purchases for 5 months from account opening, offer ends 8 February 2016. Your account will be reviewed within 12 months and your interest rate will be reduced and your line of credit may be increased if you always pay on time and stay within your credit limit. Your new account will automatically be set up with paperless statements so that you can manage your account online. You can choose to receive paper statements at any time in Barclaycard account services.

Representative Example: If you borrow £1200 at a purchase rate of 34.9% p.a.(variable), you will pay 34.9% APR Representative (variable).

Barclaycard | Initial Credit Card

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aqua
N/A N/A N/A N/A N/A 35.9% APR
Representative variable
With aqua Classic you could build your credit history with our competitive rate. Been turned down for credit before? Don’t take no for an answer and apply for an aqua Classic credit card. The aqua Classic credit card is great for people who are getting their finances back on track. And right now we’re offering a very competitive 35.9% APR representative variable so don’t miss this opportunity: you could enjoy a sensible credit limit, manageable interest rates and ultimately, improve your overall credit rating.
Representative Example: If you borrow £1200 at a purchase rate of 35.94% p.a.(variable), you will pay 35.9% APR Representative (variable).

aqua | Classic Card

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N/A N/A N/A N/A N/A 37.1% APR
Representative variable
Representative Example: If you borrow £1200 at a purchase rate of 18.9% p.a.(variable), with an £84 annual fee, you will pay 37.1% APR Representative (variable).

NatWest | Reward Black Credit Card

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IHG Rewards Club
0.0% 15
Months
2.99% N/A N/A 42.1% APR
Representative variable
20,000 IHG® Rewards Club bonus points with your first purchase within 90 days of account opening. Earn 4 IHG® Rewards Club points per £1 on all spend at IHG hotels and on spending abroad. Earn 2 IHG® Rewards Club points for every £1 on your everyday spending. Receive a free night voucher valid at over 4,700 IHG hotels worldwide if you spend at least £10,000 per year (terms and conditions). Guaranteed IHG® Rewards Club Platinum Elite status with the life of the card.
Representative Example: If you borrow £1200 at a purchase rate of 19.9% p.a.(variable), with an £99 annual fee, you will pay 42.1% APR Representative (variable).

IHG Rewards Club | IHG® Rewards Club Premium VISA

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N/A N/A N/A N/A N/A 49.9% APR
Representative variable
Representative Example: If you borrow £1200 at a purchase rate of 49.94% p.a.(variable), you will pay 49.9% APR Representative (variable).

aqua | Start Card

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Avios
0.0% 30
Months
3.0% 0.0% 12
Months
52.1% APR
Representative variable
A new exclusive Credit Card Account from Lloyds Bank has taken off – and it’s packed with travel rewards. The Premier Avios Rewards Credit Card Account. No foreign transaction fees. Flight Upgrade Voucher with annual spend of £5,000. Worldwide Companion Ticket with annual spend of £12,000. 0% on balance transfers for 28 months and purchases for 12 months (balances transferred within the first 90 days, 3% fee applies). Double Avios for 6 months with your American Express® Card. Collect 1.5 Avios per £1 spent on the Lloyds Bank Premier Avios Rewards American Express® Card. Collect 1.5 Avios per £5 spent on the Lloyds Bank Premier Avios Rewards MasterCard®. Annual account fee of £140.
Representative Example: If you borrow £1200 at a purchase rate of 18.94% p.a.(variable), with an £140 annual fee, you will pay 52.1% APR Representative (variable).

Avios | Lloyds Bank Premier Avios Rewards (MCard)

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0.0% 6
Months
3.0% N/A N/A 57.4% APR
Representative variable
Representative Example: If you borrow £1200 at a purchase rate of 22.9% p.a.(variable), with an £140 annual fee, you will pay 57.4% APR Representative (variable).

Virgin Atlantic | Black Card Account (Amex)

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British Airways
N/A N/A N/A N/A N/A 60.7% APR
Representative variable
Collect 1.5 Avios for virtually every £1 you spend and 3 Avios for every £1 you spend on BA flights and BA holidays. Spend £10,000 or more within an anniversary year to earn a complimentary Companion Voucher valid for 24 months. Receive 25,000 bonus Avios when £3,000 is spent in the first three months of Cardmembership.
Representative Example: If you borrow £1200 at a purchase rate of 22.9% p.a.(variable), with an £150 annual fee, you will pay 60.7% APR Representative (variable).

British Airways | Premium Plus Credit Card

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MoneyExpert Ltd is a Credit Broker and receives commission payments for all credit card referrals made on our website. The rates displayed in this table are updated on a daily basis.

What are credit cards?

Credit cards provide an easy and convenient method for purchasing goods and paying for services, especially when on the go. Making payments with your credit is essentially like taking out a short term loan. You’re only required to begin covering the balance of your payments at the end of the month when you receive your credit card statements. At which point you can cover the debt in full, meaning that you pay no interest on the money you borrowed, or you can pay in instalments (which usually means paying interest on top of the amount you borrowed. It’s important to select the right card for your individual circumstances in order to make sure that you are able to pay for the goods and services you need and so that you do not end up paying more interest than you need to.

How do I select the best card for me?

It’s best to compare the different cards available to you based on your individual requirements. Once you know what you’re likely to be using your credit card to buy and how convenient it is going to be for your to pay off the balance, then it will be more obvious which card is right for you. Also your credit rating will dictate to an extent which cards will be available to you. For advice catered to your individual situation please feel free to call us for specialist guidance on selecting the right card for you.

Using our comparison site

Our comparison site will provide you with up to date information about the different credit card presently available to, to enable you to select the best card for your individual requirements. We display the important features of a wide range of different credit cards to help you make the most informed decision possible. It’s important to compare the different kinds of credit cards available, as the cards can vary greatly in the advantages and disadvantages they offer.

What are the different cards available?

[Purchase cards: These will give you an introductory rate on spending. Interest rates can be extremely low, even 0%, allowing you to buy expensive items and then spread the payment over a few months. Thus they can provide you with an easy way to borrow a relatively large amount of money will paying a small amount of interest.

[Reward cards: Each time you spend you will receive a reward. Some cards offer cash back, points which can be used to purchase goods and air-miles. However to take advantage of reward cards you’ll need a good credit rating in as the balance must be cleared at the end of each month.

[Platinum cards: These cards are designed for high earners, and as such have a very high credit limit. They often come with added extras like travel insurance, medical insurance and discounts on things like hotels.

[Low interest credit cards: These cards start out with interest rates as low as 0% and therefore can be quite attractive. However after the initial low interest introductory period, the interest can increase to as much as 15%, so it is advisable to be wary when applying for one of these credit cards.

[Cashback credit cards: For the first few months you will receive cash back on your purchases. The amount will often be in the region of 5% and then after the introductory period will reduce to as little as 0.5%.

When considering which card is best for you it is important to select a card for which your application is likely to be accepted. Whether you are application is accepted can be based on a range of different factors, from your credit rating to your monthly income.

How do I know which credit cards I’m likely to be accepted for?

Certain cards are designed for individuals in specific circumstances. For example [Platinum cards are designed for those with a good credit rating and who are on a high income. Reward cards are designed for those who need to use their credit card regularly but who are able to reliably cover the balance of their monthly expenditure. There are also a range of [cards for individuals who have a poor credit rating] .

View our guide to credit cards

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