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Cheap Credit Cards
Low APR from 6.9% (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 , charity and credit building (adverse credit) credit cards.

£25 Cash Back

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Expert Choice Credit Cards
Balance Transfers Purchases
Credit Card Rate Duration Fee Rate Duration Representative APR Apply
Sainsburys Bank
N/A N/A N/A N/A N/A 6.9%Variable
More Info£25 Cash Back
Sainsbury's Nectar Low Rate Credit Card lets you collect even more Nectar points when you shop at Sainsbury's. Just remember to pay with your Sainsbury's Nectar Credit Card and swipe your Nectar card.Collect double Nectar points on your Sainsbury's shopping. Collect 2 Nectar points per £1 spent on Sainsbury's fuel. One Nectar point for every £5 spent on your card elsewhere. No monthly or annual fee. No cash advance fee on Sainsbury's Travel Money purchases.
Representative Example: If you borrow £1200 at a purchase rate of 6.95% p.a.(variable), you will pay 6.9% 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%Variable
More Info£25 Cash Back
No confusing introductory offers. A simple, low rate for balance transfers and purchases – 6.9% p.a. (variable). No balance transfer fees – just one annual fee of £24. 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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NatWest
N/A N/A N/A N/A N/A 11.1%Variable
More Info£25 Cash Back
No confusing introductory offers. A simple, low rate for balance transfers and purchases – 6.9% p.a. (variable). No balance transfer fees – just one annual fee of £24. 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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Lloyds Bank
4.9% 12 Months 3.0% 0.0% 6 Months 11.9%Variable
More Info£25 Cash Back
0% interest on purchases for 6 months. 4.9% p.a. interest for 12 months on balance transfers (3% fee) – if you spend £100 or more in the first 3 months. 11.9% APR representative variable.
Representative Example: If you borrow £1200 at a purchase rate of 11.95% p.a.(variable), you will pay 11.9% APR Representative (variable).

Lloyds Bank | Advance Credit Card

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British Airways
N/A N/A N/A N/A N/A 15.9%Variable
More Info£25 Cash Back
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.
Representative Example: If you borrow £1200 at a purchase rate of 15.9% p.a.(variable), you will pay 15.9% APR Representative (variable).

British Airways | Credit Card

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Santander
0.0% 1 Months 5.0% 0.0% 18 Months 16.5%Variable

Get cashback on your everyday spending: 1% cashback at all major supermarkets, 2% cashback at all major departments stores, 3% cashback at all petrol stations and on National Rail and Transport for London travel (on combined spend of up to £300 a month). 0% for 18 months on purchases from account opening. 16.5% APR Representative (Variable). Annual fee and terms apply. If you already have, or if you open a new Santander 123 Current Account, Santander will refund the first year's £24 annual fee on your 123 Credit Card. Offer valid until 31/12/2014. Contactless payments on items below £20. 

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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Sainsburys Bank
0.0% 16 Months 3.0% 0.0% 16 Months 16.9%Variable
More Info£25 Cash Back

Sainsbury's Nectar Credit Card lets you collect even more Nectar points when you shop at Sainsbury's. Just remember to pay with your Sainsbury's Nectar Credit Card and swipe your Nectar card. Collect double Nectar points on your Sainsbury's shopping. Collect 2 Nectar points per £1 spent on Sainsbury's fuel. One Nectar point for every £5 spent on your card elsewhere. 0% balance transfers for the first 16 months from account opening (3% balance transfer fee applies). 0% on purchases for the first 16 months from account opening. No monthly or annual fee. No cash advance fee on Sainsbury's Travel Money purchases.

Representative Example: If you borrow £1200 at a purchase rate of 16.94% p.a.(variable), you will pay 16.9% APR Representative (variable).

Sainsburys Bank | Nectar Credit Card

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Sainsburys Bank
0.0% 12 Months 3.0% 0.0% 12 Months 16.9%Variable
More Info£25 Cash Back
0% on balance transfers for the first 12 months from account opening (3% balance transfer fee applies, refunded in Nectar points). 0% on purchases for the first 12 months from account opening. Collect double Nectar points on your Sainsbury's shopping. Collect 2 Nectar points per £1 spent on Sainsbury's fuel (plus 1 point per litre when you also swipe your Nectar card). One Nectar point for every £5 spent on your card elsewhere.
Representative Example: If you borrow £1200 at a purchase rate of 16.94% p.a.(variable), you will pay 16.9% APR Representative (variable).

Sainsburys Bank | Nectar Credit Card (Nectar Refund)

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AA
0.0% 12 Months 3.0% 0.0% 10 Months 16.9%Variable
More Info£25 Cash Back
Offers 0% on card purchases for 10 months and 0% on balance transfers for 12 months (3% fee). Plus earn reward points every time you spend and double points on fuel. Redeem your points on high street shopping vouchers, cash back or AA products. Example - spend £50 a week on fuel and £100 a week on other purchases a month and earn over £25 cash back in a year or over £50 worth of AA products such as breakdown cover. You must be 21 years old, employed, and earn over £20,000 per year with no recent credit defaults.
Representative Example: If you borrow £1200 at a purchase rate of 16.9% p.a.(variable), you will pay 16.9% APR Representative (variable).

AA | Rewards Credit Card

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Post Office Ltd
0.0% 18 Months 2.98% 0.0% 3 Months 17.8%Variable
More Info£25 Cash Back
Post Office® Credit Card. The credit card for everyday use home and abroad. 17.8% APR Representative (variable). The Post Office Credit Card offers you a range of benefits whether you use it at home or abroad. 17.8% APR Representative (variable).
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 Ltd | Platinum Card

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Bank of Scotland
0.0% 28 Months 2.45% 0.0% 6 Months 17.9%Variable
More Info£25 Cash Back
0% for up to the first 28 months on balance transfers (3% fee). Refunds part of the 3% balance transfer fee so overall a 2.45% fee is payable. 0% for the first 6 months on purchases. This deal could help you save money on balances transferred within the first 90 days of opening your account (3% fee applies). Most customers will be offered our best rate of 17.9% APR (variable) and 0% for the first 28 months on balances transferred in the first 90 days (3% fee applies). Other customers will receive 0% for the first 25 months with a rate of 21.9% APR (variable), or the first 22 months with a rate of 25.9% APR (variable) on balances transferred in the first 90 days (3% fee applies). All customers will get 0% for the first 6 months on purchases. Please be aware to keep promotional rates you must pay at least the minimum payment by the due date and stay within your credit limit.
Representative Example: If you borrow £1200 at a purchase rate of 17.95% p.a.(variable), you will pay 17.9% APR Representative (variable).

Bank of Scotland | Platinum Balance Transfer Card (28 Mths)

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TSB
0.0% 15 Months 0.8% 0.0% 3 Months 17.9%Variable
More Info£25 Cash Back
0% interest for up to 15 months on balances transferred within the first 90 days (3% fee). Balance Transfer fee refund - refunds part of a 3% fee so overall a 0.8% fee is payable. 0% on purchases for the first 3 months. Representative 17.9% APR (variable). 
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 | Platinum Balance Transfer Card

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Nationwide Building Society
0.0% 26 Months 2.4% 0.0% 3 Months 17.9%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. 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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Bank of Scotland
0.0% 24 Months 1.5% 0.0% 3 Months 17.9%Variable
More Info£25 Cash Back
Balance transfer fee refund - refunds part of a 3% fee so overall a 1.5% fee is payable. 0% for the first 24 months on balances transferred in the first 90 days (3% fee). 0% for the first 3 months on purchases. Most customers will be offered our best rate of 17.9% APR (variable) and 0% for the first 24 months on balances transferred in the first 90 days (3% fee applies). Other customers will receive 0% for the first 21 months with a rate of 21.9% APR (variable), or the first 18 months with a rate of 25.9% APR (variable) on balances transferred in the first 90 days (3% fee applies). All customers will get 0% for the first 3 months on purchases.
Representative Example: If you borrow £1200 at a purchase rate of 17.95% p.a.(variable), you will pay 17.9% APR Representative (variable).

Bank of Scotland | Platinum Balance Transfer Card

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Lloyds Bank
0.0% 24 Months 1.5% 0.0% 3 Months 17.9%Variable
More Info£25 Cash Back
0% interest on balance transfers for 24 months from account opening. Effective 1.5% Balance Transfer Fee (initially 3% will be taken and then 50% of this refunded within 60 days to equal an effective 1.5% fee). 0% interest on purchases for 3 months from account opening.

Representative Example: If you borrow £1200 at a purchase rate of 17.95% p.a.(variable), you will pay 17.9% APR Representative (variable).

Lloyds Bank | Platinum Balance Transfer Card (24 Mths)

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Bank of Scotland
0.0% 15 Months 0.7% 0.0% 6 Months 17.9%Variable
More Info£25 Cash Back
0% for the first 15 months on balance transfers (3% fee). Refunds part of the 3% balance transfer fee so overall a 0.70% fee is payable. 0% for the first 6 months on purchases. Most customers will be offered our best rate of 17.9% APR (variable). Other customers will receive rates of either 21.9% APR (variable) or 25.9% APR (variable). This offer is not available on the high street but applying online only takes a few minutes. Please be aware to keep promotional rates you must pay at least the minimum payment by the due date and stay within your credit limit. Balance transfers can be made from most credit and some store cards, excluding other Bank of Scotland products.
Representative Example: If you borrow £1200 at a purchase rate of 17.95% p.a.(variable), you will pay 17.9% APR Representative (variable).

Bank of Scotland | Platinum Balance Transfer Card (15 Mths)

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Halifax
0.0% 15 Months 0.8% 0.0% 15 Months 17.9%Variable
More Info£25 Cash Back
Balance transfer fee refund - refunds part of a 3% fee so overall a 0.8% fee is payable. 0% for up to 15 months on balance transfers (3% fee applies). A long introductory interest free period to help you manage your existing credit. 0% for up to 15 months on purchases. To help spread the cost of any new purchases. The majority of customers will be offered our best rate of 17.9% APR representative (variable) and 0% for 15 months on balance transfers and purchases. Other customers will receive a 0% introductory offer of 13 or 11 months. The APR and length of the promotional offer are dependent on your personal circumstances.
Representative Example: If you borrow £1200 at a purchase rate of 17.95% p.a.(variable), you will pay 17.9% APR Representative (variable).

Halifax | All in One Card Credit Card

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Nationwide Building Society
N/A N/A N/A 0.0% 15 Months 17.9%Variable
Nationwide Credit Card - 0% on purchases for 15 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).

Nationwide Building Society | Credit Card (Purchases)

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Bank of Scotland
0.0% 13 Months 1.0% 0.0% 13 Months 17.9%Variable
More Info£25 Cash Back
Are you looking for 0% on purchases as well as on your balance transfer? Then the Bank of Scotland Platinum Purchase Card could be right for you. 0% for the first 13 months on purchases. 0% for the first 13 months on balances transferred in the first 90 days (3% fee). Balance transfer fee refund - refunds part of a 3% fee so overall a 1% fee is payable. You'll get 0% for the first 13 months on balances transferred in the first 90 days (a fee of 3% applies for each balance transfer). You will also get 0% for the first 13 months on purchases. Your personal APR for purchases will be either 17.9% APR (variable), 21.9% APR (variable) or 23.9% APR (variable). The interest rate for balance transfers will be the same as for purchases.
Representative Example: If you borrow £1200 at a purchase rate of 17.95% p.a.(variable), you will pay 17.9% APR Representative (variable).

Bank of Scotland | Platinum Purchase Card

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Lloyds Bank
0.0% 13 Months 1.0% 0.0% 13 Months 17.9%Variable
More Info£25 Cash Back

0% interest for the first 13 months on balances transferred within the first 90 days (1% fee - 3% will be taken initially but an automatic refund will refund 2% of this fee within 60 days of the balance transfer completion). 0% interest for the first 13 months on purchases. Representative 17.9% APR (variable).

Representative Example: If you borrow £1200 at a purchase rate of 17.95% p.a.(variable), you will pay 17.9% APR Representative (variable).

Lloyds Bank | Platinum Purchase Card

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American Express
N/A N/A N/A N/A N/A 18.7%Variable
More Info£25 Cash Back
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 14.0% p.a.(variable), with an £25 annual fee, you will pay 18.7% APR Representative (variable).

American Express | Platinum Cashback Credit Card

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Barclaycard
0.0% 9 Months 2.9% N/A N/A 18.9%Variable
More Info£25 Cash Back

An amazing 10,500 Freedom bonus points worth £30 when you spend £500 or more in the first three months of account opening (terms and conditions apply). Rewards range from the high street, online favourites, places to eat and drink, to top entertainment and days out. Earn points wherever you shop, with double Freedom points on your UK supermarket, petrol station and all Transport for London (TfL) spend, plus triple points at selected Freedom partners (terms and conditions apply). 0% interest on balance transfers for 9 months from account opening (2.9% handling 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).

Barclaycard | Freedom Rewards

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Tesco Bank
0.0% 12 Months 0.65% 0.0% 12 Months 18.9%Variable
More Info£25 Cash Back
Earn even more Clubcard points. Collect 1 Clubcard point for every £4 you spend on your Clubcard Credit Card  (Must have available credit. 1 point awarded per £4 spent in each purchase transaction (£4 min)). 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 Low BT Fee

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Santander
0.0% 9 Months 3.0% 0.0% 18 Months 18.9%Variable
0% for 18 months on purchases. 0% for 9 months on balance transfers from date of account opening (3% fee applies, minimum £5). 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).

Santander | Purchase Credit Card

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Tesco Bank
0.0% 3 Months 2.9% 0.0% 18 Months 18.9%Variable
More Info£25 Cash Back
Earn even more Clubcard points. Collect 1 Clubcard point for every £4 you spend on your Clubcard Credit Card  (Must have available credit. 1 point awarded per £4 spent in each purchase transaction (£4 min)). Representative 16.9% 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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Barclaycard
0.0% 18 Months 2.49% 0.0% 14 Months 18.9%Variable
More Info£25 Cash Back
0% interest for 14 months on purchases and 0% for 18 months on balance transfers. A fee of 2.9% will be applied, then reduced to 2.49% 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 Purchase

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Barclaycard
0.0% 30 Months 2.89% 0.0% 6 Months 18.9%Variable
More Info£25 Cash Back
0% interest on balance transfers for 30 months from account opening (2.89% handling fee applies). A fee of 3.5% will be applied, then reduced to 2.89% by a refund (terms and conditions apply). 0% interest on purchases for 6 months from account opening. Plus an additional £20 fee refund on balance transfers over £2000 (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 | Barclaycard Platinum With BT (30 Mths)

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Barclaycard
0.0% 16 Months 1.5% 0.0% 6 Months 18.9%Variable
More Info£25 Cash Back
0% interest on balance transfers for 16 months from account opening (1.5% handling fee applies). A fee of 1.6% will be applied, then reduced to 1.5% 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 Low Balance Transfer Fee

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Santander
0.0% 17 Months 0.9% 0.0% 3 Months 18.9%Variable
0% for 17 months on balance transfers. 0.9% balance transfer fee applies (minimum £5). 0% for 3 months on purchases.
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 | Low Balance Transfer Fee Credit Card

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Halifax
0.0% 30 Months 3.0% 0.0% 6 Months 18.9%Variable
More Info£25 Cash Back
0% for up to the first 30 months on balances transferred in the first 90 days (3% fee). 0% for the first 6 months on purchases. Manage your card online using Online Banking and Mobile Banking. Most customers will be offered our best rate of 18.9% APR (variable) and 0% for the first 30 months on balances transferred in the first 90 days (3% fee applies). Other customers will receive 0% for the first 30 or 27 months with a rate of 21.9% APR (variable), or the first 24 months with a rate of 25.9% APR (variable) on balances transferred in the first 90 days (3% fee applies). All customers will get 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).

Halifax | Balance Transfer Credit Card (30 Mths)

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Barclaycard
0.0% 31 Months 2.99% 0.0% 6 Months 18.9%Variable
More Info£25 Cash Back
0% interest on balance transfers for 31 months from account opening (2.99% handling fee applies). A fee of 3.5% will be applied, then reduced to 2.99% by a refund (terms and conditions apply). 0% interest on purchases for 6 months from account opening. Plus an additional £20 fee refund on balance transfers over £2000 (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 | Barclaycard Platinum With BT (31 Mths)

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Lloyds Bank
0.0% 28 Months 2.45% 0.0% 6 Months 18.9%Variable
More Info£25 Cash Back
0% interest for up to the first 28 months on balances transferred within the first 90 days (3% fee). Balance Transfer fee refund, 3% fee so overall a 2.45% fee is payable. 0% interest on purchases for the first 6 months after your account is opened. 
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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Halifax
0.0% 24 Months 1.5% 0.0% 3 Months 18.9%Variable
More Info£25 Cash Back
0% for up to the first 24 months on balances transferred in the first 90 days (3% fee). Minimum £100 balance transfer. Most customers will get 0% for the first 24 months on balance transfers, at our best rate of 18.9% APR (variable). Others will get 0% for the first 21 or 18 months at a rate of 21.9% APR (variable), or the first 15 months at a rate of 25.9% APR (variable). Refunds part of the initial 3% balance transfer fee so overall a 1.50% fee is payable. You'll initially be charged a 3% fee for each balance transfer. We'll then refund 1.50% of each balance transferred to us within 90 days, so overall you will pay a fee of just 1.50%. 0% for the first 3 months on purchases. Your purchase interest rate will be the same as the balance transfer interest rate.
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 (24 Mths)

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Halifax
0.0% 28 Months 2.45% 0.0% 6 Months 18.9%Variable
More Info£25 Cash Back
Balance transfer fee refund - refunds part of a 3% fee so overall a 2.45% fee is payable. 0% for up to the first 28 months on balances transferred in the first 90 days (3% fee). 0% for the first 6 months on purchases. Most customers will be offered our best rate of 18.9% APR (variable) and 0% for the first 28 months on balances transferred in the first 90 days (3% fee applies). Other customers will receive 0% for the first 28 or 25 months with a rate of 21.9% APR (variable), or the first 22 months with a rate of 25.9% APR (variable) on balances transferred in the first 90 days (3% fee applies). All customers will get 0% for the first 6 months on purchases. The APR and length of the promotional offer are dependent on your personal circumstances.
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

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Barclaycard
0.0% 28 Months 2.44% 0.0% 6 Months 18.9%Variable
More Info£25 Cash Back
0% interest on balance transfers for 28 months from account opening (2.44% handling fee applies). A fee of 3.5% will be applied, then reduced to 2.44% 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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Tesco Bank
0.0% 30 Months 2.9% 0.0% 3 Months 18.9%Variable
More Info£25 Cash Back
Earn even more Clubcard points. Collect 1 Clubcard point for every £4 you spend on your Clubcard Credit Card  (Must have available credit. 1 point awarded per £4 spent in each purchase transaction (£4 min)). 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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Santander
0.0% 29 Months 3.0% 0.0% 3 Months 18.9%Variable
 0% for 29 months on balance transfers. 3% balance transfer fee applies (minimum £5). 0% for 3 months on purchases.
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 | Long Term Balance Transfer Credit Card

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American Express
N/A N/A N/A N/A N/A 19.9%Variable
More Info£25 Cash Back
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 19.9% p.a.(variable), you will pay 19.9% APR Representative (variable).

American Express | Platinum Cashback Everyday Card

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Capital One
N/A N/A N/A N/A N/A 19.9%Variable
Capital One Aspire® Elite. Our most prestigious credit card offers cashback on any purchase with VIP benefits. 5% cashback for the first three months (max £200). Up to 2% cashback thereafter. Concierge service.  Extended warranty. Best price protection. Annual fee applies.
Representative Example: If you borrow £12000 at a purchase rate of 17.57% p.a.(variable), with an £120 annual fee, you will pay 19.9% APR Representative (variable).

Capital One | Aspire Elite Card

Lloyds Bank
0.0% 13 Months 3.0% 0.0% 13 Months 22.7%Variable
More Info£25 Cash Back
Get a choice of rewards for your everyday spend. 0% interest for the first 13 months on purchases and on balances transferred within the first 90 days (3% fee applies). Collect 10 Choice points for every £1 of eligible spend on the Choice Rewards American Express®. Whether it’s cashback, shopping vouchers, magazines subscriptions or even travel rewards through Avios, you’ll get to choose the reward you want, when you want. Get there quicker – with double Choice points on eligible spend¹ for the first 6 months on your American Express Card.
Representative Example: If you borrow £1200 at a purchase rate of 17.95% p.a.(variable), with an £24 annual fee, you will pay 22.7% APR Representative (variable).

Lloyds Bank | Choice Rewards Credit Card (MCard)

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Avios
0.0% 13 Months 3.0% 0.0% 13 Months 22.7%Variable
More Info£25 Cash Back
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 and purchases for 13 months (balances transferred within the first 90 days, 3% fee applies). Double Avios for 6 months with your American Express® Card.
Representative Example: If you borrow £1200 at a purchase rate of 17.95% p.a.(variable), with an £24 annual fee, you will pay 22.7% APR Representative (variable).

Avios | Lloyds Bank Avios Rewards Credit Card (MCard)

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Nectar
N/A N/A N/A N/A N/A 25.0%Variable
More Info£25 Cash Back
20,000 Nectar bonus points welcome offer – worth at least £100 to spend with Nectar partners (when Cardmembers spend £2,000 in their first 3 months). Collect points up to twice as fast at Nectar partners when you swipe your loyalty card and pay with your Nectar Credit Card.
Representative Example: If you borrow £1200 at a purchase rate of 19.9% p.a.(variable), with an £25 annual fee, you will pay 25.0% APR Representative (variable).

Nectar | Credit Card

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Capital One
N/A N/A N/A N/A N/A 28.9%Variable
Great for people who want to build or rebuild their credit history. Credit limit from £200 to £1,500. Helps you keep on top of your spending with email alerts. 28.9% APR Representative variable.
Representative Example: If you borrow £1200 at a purchase rate of 28.94% p.a.(variable), you will pay 28.9% APR Representative (variable).

Capital One | Classic Preferred Card (Excl)

Aqua
N/A N/A N/A N/A N/A 29.7%Variable
More Info£25 Cash Back
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). Free aqua Credit Checker, worth up to £80.
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%)

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Aquis
N/A N/A N/A N/A N/A 29.8%Variable
Managing your money couldn’t be simpler with an Aquis Visa card. You’ll have 24/7 control of your account with Online and SMS Account Management. And if you’re new to credit or have had a few credit issues lately, the Aquis Visa card can help you rebuild your credit rating. Representative 29.8% APR (variable). Apply today - and get back on track with an Aquis Visa card. Credit has been provided by Vanquis Bank Limited.
Representative Example: If you borrow £1000 at a purchase rate of 29.84% p.a.(variable), you will pay 29.8% APR Representative (variable).

Aquis | Credit Card

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Capital One
N/A N/A N/A N/A N/A 34.9%Variable
A credit card offer for people who want to build or rebuild their credit history. Low, easy-to-manage credit limit from £200.
Representative Example: If you borrow £1200 at a purchase rate of 34.94% p.a.(variable), you will pay 34.9% APR Representative (variable).

Capital One | Classic Card

Barclaycard
N/A N/A N/A 0.0% 3 Months 34.9%Variable
More Info£25 Cash Back

Can help to build your credit rating. Suitable if your financial situation has been improving. You must be over 18 years of age, earn over £3,000 a year and not be unemployed. You must not have been made bankrupt in the last six years – including having an Individual Voluntary Arrangement or Debt Relief Order. You must not have more than one County Court Judgement or recently missed a bill payment. Manageable credit limits from £250 - £1,000. Great for: being able to reduce your interest rate by always paying on time and staying within your credit limit. 0% interest on purchases for 3 months from account opening.

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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Capital One
N/A N/A N/A N/A N/A 34.9%Variable
Great for people who want to build or rebuild their credit rating. Offers 0.5% Cashback on all purchases. Earn a £10 annual reward for paying on time each month. Credit limit from £200 to £1,500.
Representative Example: If you borrow £1200 at a purchase rate of 34.94% p.a.(variable), you will pay 34.9% APR Representative (variable).

Capital One | Classic Extra Card

Aqua
N/A N/A N/A N/A N/A 34.9%Variable
More Info£25 Cash Back
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. Free aqua Credit Checker, worth up to £80.
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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Argos
N/A N/A N/A N/A N/A 39.9%Variable
Start with a manageable credit limit between £150 and £1000. You could get a credit limit increase on your 4th statement (Conditions apply). And further increases every 4 months, up to £3,000 (Conditions apply). To be considered for a credit limit increase, please keep all your credit agreements in order by paying on time, making use of your existing credit limit without going over your credit limit, and not taking on too much debt elsewhere. This is only a guide and meeting these criteria does not guarantee you a credit limit increase. Representative 39.9% APR (variable). You must not have applied for a Vanquis, Granite, Aquis or Black Diamond Card within the last 6 months. Do not apply for the Argos Credit Card if you currently hold a Vanquis, Granite, Aquis or Black Diamond Card. Credit is provided by Vanquis Bank Limited.
Representative Example: If you borrow £1000 at a purchase rate of 39.84% p.a.(variable), you will pay 39.9% APR Representative (variable).

Argos | Credit Card

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Aqua
N/A N/A N/A N/A N/A 39.9%Variable
More Info£25 Cash Back
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. Flexible payment dates. 51 days interest free credit every month. Representative 39.9% APR (variable). Free aqua Credit Checker, worth up to £80.
Representative Example: If you borrow £1200 at a purchase rate of 39.94% p.a.(variable), you will pay 39.9% APR Representative (variable).

Aqua | Classic Card (39.9%)

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Vanquis Bank Ltd
N/A N/A N/A N/A N/A 39.9%Variable
Vanquis considers every application on its own merits, so we encourage you to apply even if you have had credit problems in the past. No annual fee. Up to 56 days interest free on purchases. Free additional cardholder (only after 6 months). Free fraud monitoring - we'll warn you of any suspicious activity on your account. Chip & PIN technology for added security whenever you use your card. Visa is widely accepted in the UK and abroad. Convenient for paying online and over the phone.
Representative Example: If you borrow £1000 at a purchase rate of 39.94% p.a.(variable), you will pay 39.9% APR Representative (variable).

Vanquis Bank Ltd | Visa Card

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British Airways
N/A N/A N/A N/A N/A 56.4%Variable
More Info£25 Cash Back
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 3 months.
Representative Example: If you borrow £1200 at a purchase rate of 19.9% p.a.(variable), with an £150 annual fee, you will pay 56.4% APR Representative (variable).

British Airways | Premium Plus Credit Card

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Black Diamond
N/A N/A N/A N/A N/A 59.9%Variable
A great way to build your credit if you're new to credit or want to rebuild your credit. Initial credit limit from £150 to £1,000. 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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