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Compare Credit Cards

Low APR Credit Cards 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 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
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 | Barclaycard Platinum With BT (36 Mths)

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Virgin Money
0.0% 36
Months
2.5% 0.0% 6
Months
18.9% APR
Representative variable
0% interest for 36 months on balance transfers made in the first 60 days, with a fee of 2.50%. Move a balance from another credit or store card and get 3 years 0% to pay it off. 0% for 36 months on money transfers, with a fee of 4%. Pay money into your current account from your credit card to pay off other debt you may have elsewhere. 0% for 6 months on card purchases. From the date your account is opened. The promotional period starts from the date your account is opened and applies to transfers made in the first 60 days.
Representative Example: If you borrow £1200 at a purchase rate of 18.9% p.a.(variable), you will pay 18.9% APR Representative (variable).

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

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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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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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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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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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Barclaycard
0.0% 32
Months
1.54% 0.0% 6
Months
18.9% APR
Representative variable
0% interest on balance transfers for 32 months from account opening (1.54% handling fee applies). A fee of 3.5% will be applied, then reduced to 1.54% by a refund (terms and conditions apply). 0% interest on purchases for 6 months from account opening.
Representative Example: If you borrow £1200 at a purchase rate of 18.9% p.a.(variable), you will pay 18.9% APR Representative (variable).

Barclaycard | Barclaycard Platinum With BT (32 Mths)

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Tesco Bank
0.0% 35
Months
2.7% 0.0% 3
Months
18.9% APR
Representative variable
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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Virgin Money
0.0% 34
Months
2.25% 0.0% 6
Months
18.9% APR
Representative variable
0% interest for 34 months on balance transfer made in the first 60 days, with a fee of 2.25%. Move a balance from another credit or store card and get 34 months at 0% to pay it off. 0% for 34 months on money transfers, with a fee of 4%. Pay money into your current account from your credit card to pay off other debt you may have elsewhere. 0% for 6 months on card purchases. From the date your account is opened. The promotional period starts from the date your account is opened and applies to transfers made in the first 60 days.
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 (34 Mths)

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Tesco Bank
0.0% 3
Months
2.9% 0.0% 21
Months
18.9% APR
Representative variable
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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Halifax
0.0% 19
Months
1.0% 0.0% 19
Months
18.9% APR
Representative variable
0% for up to the first 19 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 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 for 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).

Halifax | All in One Credit Card

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Bank of Scotland
0.0% 19
Months
1.0% 0.0% 19
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 (19 Mths)

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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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Virgin Money
0.0% 24
Months
1.0% 0.0% 24
Months
18.9% APR
Representative variable
0% for 24 months on purchases. From the date your account is opened. 0% for 24 months on balance transfers, with just a 1% fee. Move a balance from another credit or store card and get 24 months 0% to pay it off. 0% for 24 months on money transfers, with just a 1.9% fee. Everyone's bank balance needs a boost from time to time. And unlike some others, the Virgin All Round Credit Card lets you do just that. The promotional period starts from the date your account is opened and applies to transfers made in the first 60 days.
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 All-Round Credit Card

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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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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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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% 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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Tesco Bank
0.0% 19
Months
0.0% 0.0% 1
Months
18.9% APR
Representative variable
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 No BT Fee

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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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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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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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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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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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Lloyds Bank
0.0% 19
Months
1.0% 0.0% 19
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 (19 Mths)

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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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Virgin Money
0.0% 18
Months
0.75% 0.0% 6
Months
18.9% APR
Representative variable
0% for 18 months on balance transfers. Move a balance from another credit or store card and get 18 months at 0% to pay it off. 0% for 18 months on money transfers. Pay money into your current account from your credit card to pay off other debt you may have elsewhere. A low balance transfer fee. 0.75% fee applies to balance transfers made in the first 60 days. The promotional rate starts from the date your account is opened and applies to transfers made in the first 60 days (0.75% fee for balance transfers and 4% fee for money transfers).
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 (18 Mths)

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Post Office Money
0.0% 16
Months
2.98% 0.0% 25
Months
18.9% APR
Representative variable
Post Office® Matched Credit Card. For everyday purchases and balance transfers. The Post Office Matched Credit Card offers you a range of benefits ideal for purchasing and easy balance transfers. 18.9% APR Representative (variable). Post Office Matched Credit Card is provided by Bank of Ireland UK.
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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Bank of Scotland
0.0% 32
Months
1.54% 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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Virgin Money
0.0% 32
Months
1.75% 0.0% 6
Months
18.9% APR
Representative variable
0% for 32 months on balance transfers, with a fee of 1.75%. Move a balance from another credit or store card and get 32 months at 0% to pay it off. 0% for 32 months on money transfers, with a fee of 4%. Pay money into your current account from your credit card to pay off other debt you may have elsewhere. 0% for 6 months on card purchases. From the date your account is opened. The promotional period starts from the date your account is opened and applies to transfers made in the first 60 days.
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 (32 Mths)

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Barclaycard
0.0% 25
Months
2.49% 0.0% 14
Months
18.9% APR
Representative variable
0% interest for 14 months on purchases and 0% for 25 months on balance transfers. A fee of 3.5% 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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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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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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Virgin Money
0.0% 26
Months
1.25% 0.0% 6
Months
18.9% APR
Representative variable
0% for 26 months on balance transfers. Move a balance from another credit or store card and get 26 months at 0% to pay it off. 0% for 26 months on money transfers. Pay money into your current account from your credit card to pay off other debt you may have elsewhere. A low balance transfer fee. 1.25% fee applies to balance transfers made in the first 60 days. The promotional rate starts from the date your account is opened and applies to transfers made in the first 60 days (1.25% fee for balance transfers and 4% fee for money transfers).
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 Low Fee Balance Transfer Credit 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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Barclaycard
0.0% 24
Months
1.15% 0.0% 6
Months
18.9% APR
Representative variable
0% interest on balance transfers for 24 months from account opening (1.15% fee applies). A fee of 2% will be applied, then reduced to 1.15% 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) Semi-Excl

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American Express
N/A N/A N/A N/A N/A 19.9% 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 19.9% p.a.(variable), you will pay 19.9% APR Representative (variable).

American Express | Platinum Cashback Everyday Card

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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

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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

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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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Barclaycard
0.0% 18
Months
2.9% 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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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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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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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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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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Virgin Money
N/A N/A N/A N/A N/A 7.9% APR
Representative variable
7.67% p.a. on purchases. One standard rate for all purchases – great for your everyday spending needs. 7.67% p.a. on balance and money transfers. Move a balance from another credit credit or transfer funds to your current account and enjoy a low rate until the balance is repaid in full. No handling fees to pay. On balance and money transfers made in the first 60 days. The promotional period starts from the date your account is opened and applies to transfers made in the first 60 days.
Representative Example: If you borrow £1200 at a purchase rate of 7.9% p.a.(variable), you will pay 7.9% APR Representative (variable).

Virgin Money | Virgin 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 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. Most credit cards charge you to transfer a balance, but not Clear Rate Platinum. We never charge balance transfer fees, no matter how much you transfer. In fact, between now and the end of August, we'll even pay 1% off any balance you transfer, up to a total of £50. 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 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. Most credit cards charge you to transfer a balance, but not Clear Rate Platinum. We never charge balance transfer fees, no matter how much you transfer. In fact, between now and the end of August, we'll even pay 1% off any balance you transfer, up to a total of £50. 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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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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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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Barclaycard
N/A N/A N/A 0.0% 3
Months
34.9% APR
Representative variable

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 £150 - £1,200. 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. Barclaycard have made improvements their product/offering and as a result are now accepting more people than ever before onto Barclaycard Initial.

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 With Purchases

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American Express
N/A N/A N/A N/A N/A 18.7% 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 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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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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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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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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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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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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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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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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