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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
Lloyds Bank
6.45% 3
Months
0.0% N/A N/A 6.4% APR
Representative variable
Lloyds Bank Platinum Low Rate Credit Card. Benefits: A representative rate of 6.4% APR (variable) on purchases and balances transferred. No balance transfer fee applies on balances transferred within the first 90 days of opening the account, a 3% fee applies thereafter. Worldwide use – Accepted in over 36 million MasterCard locations worldwide.
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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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. Credit available subject to status, to UK residents aged 18 or over. You can transfer balances to us (£100 minimum) from most credit cards and some store cards, excluding other Bank of Scotland products. All promotional rates apply from the date we open your account. You must pay at least the minimum payment by the due date each month and stay within your credit limit to keep promotional rates.
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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N/A N/A N/A N/A N/A 6.6% APR
Representative variable
Representative Example: If you borrow £1200 at a purchase rate of 6.5% p.a.(variable), you will pay 6.6% APR Representative (variable).

MBNA Europe | Low Rate 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 9.9% interest on purchases and on balance transfers. No balance transfer fee applies. Collect 2 Nectar points per £1 spent on Sainsbury's shopping and fuel. Collect 1 Nectar point for every £5 spent on your 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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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 11.1% APR (variable).
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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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 11.1% APR (variable).
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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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 balances transferred within the first 90 days (3% fee applies). Representative 11.9% APR (variable), interest charged from the date of the transaction.
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).

MBNA Europe | More Rewards Credit Card (Visa)

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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).

MBNA Europe | More Rewards Credit Card (Amex)

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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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0.0% 15
Months
0.55% 0.0% 15
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).

Nationwide Building Society | Select Credit Card (15/15) Ex/C

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Santander
0.0% 23
Months
0.0% 0.0% 23
Months
16.5% APR
Representative variable

Earn cashback on your everyday spending: 1% cashback at all major supermarkets, 2% cashback at all major departments stores, 3% cashback at all major petrol stations and on National Rail and Transport for London travel (on combined spend of up to £300 a month). Terms & Conditions apply. 0% for 23 months on balance transfers & purchases from account opening. 16.5% APR Representative (Variable). Annual fee and terms apply. If you already have, or if you open any of Santander's 1I2I3 Current Accounts, Santander will refund the first year's annual fee on your 1I2I3 Credit Card. Contactless payments on items below £20. Subject to status. Apple pay - Pay with your iPhone, iPad or Apple Watch. Spendlytics - our new app, lets you analyse and track your credit card spend (IOS only).

Representative Example: If you borrow £1200 at a purchase rate of 12.7% p.a.(variable), with an £24 annual fee, you will pay 16.5% APR Representative (variable).

Santander | 123 Credit Card

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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. 10% in UK restaurants and bars from 1st April until 30th September 2015. 1% on all supermarket shopping (excluding petrol forecourts). At least 1% on shopping at Cashback Plus retailers. 0.5% on any other purchases at home and abroad. Plus, an additional 1% if you use contactless (until 30th September 2015). 5.00 Rewards = £5.00 when redeemed.
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 | Cashback Plus Credit Card

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NatWest
N/A N/A N/A N/A N/A 17.4% APR
Representative variable
Earn Rewards on everyday spend. 10% in UK restaurants and bars from 1st April until 30th September 2015. 1% on all supermarket shopping (excluding petrol forecourts). At least 1% on shopping at Cashback Plus retailers. 0.5% on any other purchases at home and abroad. Plus, an additional 1% if you use contactless (until 30th September 2015). 5.00 Rewards = £5.00 when redeemed.
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).

NatWest | Cashback Plus 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
Post Office® Platinum Credit Card. The credit card for everyday use home and abroad. 17.8% APR Representative (variable). The Post Office Platinum Credit Card offers you a range of benefits whether you use it at home or abroad. 17.8% APR Representative (variable). Post Office Platinum Credit Card is provided by Bank of Ireland UK.
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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Nationwide Building Society
0.0% 26
Months
2.4% 0.0% 3
Months
17.9% APR
Representative variable
Nationwide Credit Card - 0% on balance transfers for 26 months (2.4% balance transfer fee applies, minimum £5.00), plus 0% on purchases for 3 months. Choice of introductory offers - Choose which Nationwide Credit Card will best suit your needs. 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. 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).

Nationwide Building Society | Credit Card (Balance Transfer)

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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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Nationwide Building Society
0.0% 15
Months
0.65% 0.0% 3
Months
17.9% APR
Representative variable
0.65% balance transfer fee (minimum £5). Balance transfer fee of 0.65% applies for the first 3 months of account opening, after which time it will revert to 2.4%. 0% on balance transfers for 15 months. 0% on purchases for 3 months. Spread the cost of purchases at 0%. Choice of introductory offers - Choose which Nationwide Credit Card will best suit your needs. 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 (Low Fee Balance Transfer)

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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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0.0% 6
Months
2.0% N/A N/A 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).

Virgin Money | Virgin Atlantic White Card Account (Amex)

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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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Nationwide Building Society
N/A N/A N/A 0.0% 15
Months
17.9% APR
Representative variable
Nationwide Credit Card - 0% on purchases for 15 months. Choice of introductory offers - Choose which Nationwide Credit Card will best suit your needs. 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. 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).

Nationwide Building Society | Credit Card (Purchases)

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0.0% 6
Months
2.98% 0.0% 6
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) | Ulster Rugby Credit Card

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Sainsburys Bank
0.0% 34
Months
2.89% 0.0% 6
Months
18.9% APR
Representative variable
Pay 0% interest on balance transfers for your first 34 months. A reduced 2.89% balance transfer fee applies on transfers made within your first 3 months, 3% afterwards (minimum £3). Pay 0% Interest on purchases for the first 6 months. Collect 2 Nectar points per £1 spent on Sainsbury's shopping and fuel. Collect 1 Nectar point for every £5 spent on your 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 Balance Transfer 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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Halifax
0.0% 36
Months
2.45% 0.0% 6
Months
18.9% APR
Representative variable

Balance Transfer offer - exclusively available online only. 0% for up to 36 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 36 months and a representative rate of 18.9% APR (variable). Others will get 0% on balance transfers for the first 36 months and a rate of 21.9% APR (variable), or 0% on balance transfers for the first 26 months or 18 months and a rate of 25.9% APR (variable). 2.9% effective fee applies on each balance transfer made in the first 90 days. An initial 3% fee applies; we'll then refund 0.1% within 90 days, so the effective fee is 2.9%. 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 (36 Mths)

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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% handling 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)

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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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Lloyds Bank
0.0% 36
Months
3.0% 0.0% 6
Months
18.9% APR
Representative variable
0% interest on balance transfers. Get up to 36 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 (36 Mths)

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Bank of Scotland
0.0% 36
Months
3.0% 0.0% 6
Months
18.9% APR
Representative variable

0% for up to 36 months from account opening on balance transfers within the first 90 days. Minimum £100 balance transfer. At least 51% of customers will get our best offer of 0% on balance transfers for the first 36 months and a representative rate of 18.9% APR (variable). Others will get 0% on balance transfers for the first 36 months and a representative rate of 21.9% APR (variable), or 0% on balance transfers for the first 26 months and a representative rate of 25.9% APR (variable). 3% fee applies on 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 (36 Mths)

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Bank of Scotland
0.0% 32
Months
1.39% 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). 1.69 % effective fee applies on each balance transfer made in the first 90 days. An initial 3% fee applies; we'll then refund 1.31% within 90 days, so the effective fee is 1.69%. 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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0.0% 32
Months
1.39% 0.0% 6
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).

Lloyds Bank | Platinum Balance Transfer Card (32 Mths)

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Barclaycard
0.0% 32
Months
1.39% 0.0% 6
Months
18.9% APR
Representative variable
0% interest on balance transfers for 32 months from account opening (1.39% fee applies). A fee of 3.5% will be applied, then reduced to 1.39% 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 (32 Mths)

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Barclaycard
0.0% 28
Months
1.3% 0.0% 6
Months
18.9% APR
Representative variable
0% interest on balance transfers for 28 months from account opening (1.3% fee applies). A fee of 3.5% will be applied, then reduced to 1.3% 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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Barclaycard
0.0% 24
Months
0.99% 0.0% 6
Months
18.9% APR
Representative variable
0% interest on balance transfers for 24 months from account opening (0.99% fee applies). A fee of 2% will be applied, then reduced to 0.99% 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 (24 Mths)

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Lloyds Bank
0.0% 16
Months
0.0% 0.0% 6
Months
18.9% APR
Representative variable
0% interest on balance transfers. Get up to 16 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 (16 Mths)

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Halifax
0.0% 18
Months
0.0% 0.0% 6
Months
18.9% APR
Representative variable
0% for up to 18 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 18 months and a representative rate of 18.9% APR (variable). Others will get 0% interest on balance transfers for the first 9 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 (18 Mths)

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Bank of Scotland
0.0% 16
Months
0.0% 0.0% 6
Months
18.9% APR
Representative variable
0% for up to 16 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 16 months and a representative rate of 18.9% APR (variable). Others will get 0% on balance transfers for the first 9 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 (16 Mths)

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Barclaycard
0.0% 15
Months
0.15% 0.0% 6
Months
18.9% APR
Representative variable
0% interest on balance transfers for 15 months from account opening (0.15% fee applies). We’ll first apply a 2.5% fee but then reduce this to 0.15% by a refund (terms and conditions apply). 0% interest on purchases for six 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 (15 Mths)

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0.0% 25
Months
2.49% 0.0% 14
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).

Barclaycard | Platinum Purchase - Barclays

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Sainsburys Bank
0.0% 13
Months
0.0% 0.0% 13
Months
18.9% APR
Representative variable
Pay 0% interest on balance transfers for your first 13 months. No balance transfer fee. Pay 0% interest on purchases for your first 13 months. Collect 2 Nectar points per £1 spent on Sainsbury's shopping and fuel. Collect 1 Nectar point for every £5 spent on your 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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Lloyds Bank
0.0% 28
Months
1.5% 0.0% 12
Months
18.9% APR
Representative variable
0% interest for 28 months from account opening on balance transfers within the first 90 days. Balance transfer fee of 1.5% applies on balances transferred within the first 90 days of opening the account, 3% fee applies thereafter. 0% interest on purchases for the first 12 months after your account is opened. 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 (28 Mths)

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Bank of Scotland
0.0% 28
Months
1.5% 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 28 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). 1.5% 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 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 (28 Mths)

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Halifax
0.0% 28
Months
1.5% 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 28 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). 1.5% 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 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 (28 Mths)

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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. No annual fee. Apple pay - Pay with your iPhone, iPad or Apple Watch. Spendlytics - our new app, lets you analyse and track your credit card spend (IOS only).
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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Post Office Money
0.0% 16
Months
2.98% 0.0% 25
Months
18.9% APR
Representative variable
0% on all purchases for the first 25 months. A transaction must be made within 3 months of account opening to qualify for 0% for the first 25 months otherwise a purchase period of 0% for the first 16 months will apply. 0% on balance transfers for 16 months. 2.98% balance transfer fee applies. Balance transfers must be made within three months of account opening. 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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Halifax
0.0% 24
Months
0.8% 0.0% 24
Months
18.9% APR
Representative variable
0% for up to the first 24 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 24 months and a representative rate of 18.9% APR (variable). Others will get 0% for 21 or 18 months and a rate of 21.9% APR (variable), or 25.9% APR (variable). 0.8% 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 24 months from account opening on purchases. At least 51% of customers will get 0% on purchases for the first 24 months and a representative rate of 18.9% APR (variable). Others will get 0% for 21 or 18 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 | All in One Credit Card

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Tesco Bank
0.0% 3
Months
2.9% 0.0% 21
Months
18.9% APR
Representative variable
If you're looking to spread the cost of a big one-off purchase, or just make the most of your spending, then this could be the card for you. No interest to pay on purchases for the first 21 months. 0% interest on balance transfers for the first 3 months, with a 2.9% balance transfer fee. You can transfer up to 95% of your credit limit. Representative 18.9% APR (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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TSB
0.0% 20
Months
2.95% 0.0% 20
Months
18.9% APR
Representative variable
0% on purchases for the first 20 months. 0% interest for the first 20 months on balances transferred within the first 90 days (2.95% fee, this will increase to 3% after 90 days from account opening).
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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Barclaycard
0.0% 20
Months
1.99% 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 (1.99% transfer fee applies). A fee of 3% will be applied, then reduced to 1.99% 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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Lloyds Bank
0.0% 20
Months
1.5% 0.0% 20
Months
18.9% APR
Representative variable
0% interest on balance transfers. Get up to 19 months 0% interest on balance transfers made within 90 days of opening your account. 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. 0% interest on purchases. For up to 19 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 (20 Mths)

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Bank of Scotland
0.0% 20
Months
1.5% 0.0% 20
Months
18.9% APR
Representative variable
0% for up to 19 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 19 months and a  representative rate of 18.9% APR (variable). Others will get 0% for 19 or 16 months and 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 up to 19 months from account opening on purchases. At least 51% of customers will get 0% on purchases for the first 19 months and a representative rate of 18.9% APR (variable). Others will get 0% for 19 or 16 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).

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

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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 | Everyday Credit Card

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Sainsburys Bank
0.0% 19
Months
3.0% 0.0% 19
Months
18.9% APR
Representative variable
Pay 0% interest on purchases for your first 19 months. Collect 2 points per £1 spent on Sainsbury's shopping and fuel. Collect 1 Nectar point for every £5 spent on your card elsewhere. Pay 0% interest on balance transfers for your first 19 months (3% balance transfer fee applies. Minimum £3). 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 Purchase Credit Card

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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).

Marks & Spencer Money | Credit Card Ex/C

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0.0% 16
Months
1.99% 0.0% 16
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).

Barclaycard | Platinum With Balance Transfer (16 Mths) Barc Ex/C

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0.0% 15
Months
2.99% 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).

IHG Rewards Club | Credit Card

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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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Tesco Bank
0.0% 19
Months
0.0% 0.0% 1
Months
18.9% APR
Representative variable
If you've got balances on other cards and you're paying a higher rate of interest, then our No Balance Transfer Fee Card could make the difference. No balance transfer fee. 0% interest on balance transfers for the first 19 months. Representative 18.9% APR (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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TSB
0.0% 28
Months
3.0% 0.0% 3
Months
18.9% APR
Representative variable
0% interest for up to 28 months on balances transferred within the first 90 days (3% fee). 0% on purchases for the first 3 months. Representative 18.9% APR (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).

TSB | Platinum Balance Transfer Card - (28 Mths)

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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% 40
Months
2.99% 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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0.0% 24
Months
2.99% 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).

Norwich & Peterborough B.Soc. | Credit Card

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Tesco Bank
0.0% 35
Months
2.7% 0.0% 3
Months
18.9% APR
Representative variable
Why pay interest when you don't have to? If you've got outstanding balances on other credit cards or store cards and are paying a higher rate of interest, you could save money by transferring them. Pay off the total transferred over a 35 month period and there is no interest to pay on that amount. 0% interest on balance transfers for the first 35 months. You can transfer up to 95% of your credit limit. 2.7% balance transfer fee. Representative 18.9% APR (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% 12
Months
0.25% 0.0% 3
Months
18.9% APR
Representative variable
0% interest for up to 12 months on balances transferred within the first 90 days (0.25% fee, this will increase to 3% after 90 days from account opening). 0% on purchases for the first 3 months. Representative 18.9% APR (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).

TSB | Platinum Balance Transfer Card - (12 Mths)

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0.0% 32
Months
1.55% 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% 36
Months
2.48% 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 (36 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 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 (NI) | Student 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 18.95% p.a.(variable), you will pay 18.9% APR Representative (variable).

Halifax | Rewards 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 18.95% 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 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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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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AA
0.0% 20
Months
2.98% 0.0% 20
Months
19.9% APR
Representative variable
The AA Dual Card offers 0% for 20 months on both balance transfers and purchases. Contactless Payments. Instant Decision. No Annual Fee. Additional card security when you shop online with MasterCard® SecureCode™. 40% discount on AA European Breakdown Cover.
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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0.0% 18
Months
2.0% 0.0% 6
Months
21.9% APR
Representative variable
Representative Example: If you borrow £1200 at a purchase rate of 21.9% p.a.(variable), you will pay 21.9% APR Representative (variable).

Barclaycard | Freedom Rewards - Barclays Ex/C

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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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American Express
N/A N/A N/A N/A N/A 22.9% APR
Representative variable
5% cashback during your first three months on up to £2,000 in purchases. 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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Avios
0.0% 28
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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Lloyds Bank
0.0% 28
Months
3.0% 0.0% 12
Months
23.7% APR
Representative variable
With two cards and one account, shopping has never been so rewarding. Benefits: 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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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 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.
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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Barclaycard
0.0% 18
Months
2.99% 0.0% 3
Months
24.9% APR
Representative variable
0% interest on balance transfers for 18 months from account opening (2.99% handling fee applies). 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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0.0% 6
Months
3.0% 0.0% 3
Months
25.9% APR
Representative variable
Representative Example: If you borrow £1200 at a purchase rate of 25.95% p.a.(variable), you will pay 25.9% APR Representative (variable).

Bank of Scotland | Classic Card - Branch

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0.0% 6
Months
3.0% 0.0% 3
Months
25.9% APR
Representative variable
Representative Example: If you borrow £1200 at a purchase rate of 25.95% p.a.(variable), you will pay 25.9% APR Representative (variable).

Lloyds Bank | Classic Card - Branch

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0.0% 10
Months
2.95% 0.0% 10
Months
25.9% APR
Representative variable
Representative Example: If you borrow £1200 at a purchase rate of 25.95% p.a.(variable), you will pay 25.9% APR Representative (variable).

TSB | Classic Card - Branch

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American Express
N/A N/A N/A N/A N/A 28.2% APR
Representative variable
Enjoy a generous 5% cashback on virtually everything you buy for 3 months, on up to £2,500 in purchases. After the introductory period you’ll receive 1.25% cashback on virtually everything you buy – not just for a limited period. 2.5% cashback in the first month of every year if you spend more than £10,000 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 of £250 – £1,200. 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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aqua
N/A N/A N/A N/A N/A 29.7% APR
Representative variable
Welcome to aqua Classic – credit where credit’s due. We take a closer look at applications and pride ourselves in giving people credit when others won't. An initial credit limit of £100 - £1,600 and a possible increase after 4 months. 51 days interest free credit every month. No annual fee. Representative 29.7% APR (variable). 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 29.71% p.a.(variable), you will pay 29.7% APR Representative (variable).

aqua | Classic Card (29.7%) - 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).

NatWest | Cashback Plus Black Credit Card

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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 | Cashback Plus Black Credit Card

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N/A N/A N/A N/A N/A 33.8% APR
Representative variable
Representative Example: If you borrow £1200 at a purchase rate of 33.83% p.a.(variable), you will pay 33.8% APR Representative (variable).

Marbles | 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 three months from account opening. Receive £20 cashback after three months - get rewarded for managing your credit responsibly by making your minimum payments on time and not going over your credit limit. (Terms and conditions apply). 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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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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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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IHG Rewards Club
0.0% 15
Months
2.99% N/A N/A 42.2% APR
Representative variable
IHG® Rewards Club Premium Visa. 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 42.2% 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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0.0% 6
Months
2.0% N/A N/A 52.0% APR
Representative variable
Representative Example: If you borrow £1200 at a purchase rate of 18.9% p.a.(variable), with an £140 annual fee, you will pay 52.0% APR Representative (variable).

Virgin Money | Virgin Atlantic Black Card Account (Amex)

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Avios
0.0% 28
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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Black Diamond
N/A N/A N/A N/A N/A 59.9% APR
Representative variable
You could get a credit limit increase after your 5th statement and further increases every 5 months, up to £3,500*^. No annual or monthly fees. Build your credit limit. Credit has been provided by Vanquis Bank Limited.
Representative Example: If you borrow £1000 at a purchase rate of 59.94% p.a.(variable), you will pay 59.9% APR Representative (variable).

Black Diamond | Credit Card

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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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