Credit Cards

Card Provider Representative
APR (variable) 		0% Purchases 0% Balance Transfers Rewards Apply
35.9% N/A N/A N/A
N/A , min £3 		None

aqua MasterCard - Representative Example: Based on assumed borrowing of £1200 at an annual interest rate of 35.95% (variable) your Representative APR will be 35.9% (variable).

34.9% N/A N/A N/A
N/A , min £1.5 		None

Capital One Classic Visa - Representative Example: Based on assumed borrowing of £1200 at an annual interest rate of 34.94% (variable) your Representative APR will be 34.9% (variable). Ɨ
39.9% N/A N/A N/A
N/A 		None

Vanquis Bank Visa - Representative Example: Based on assumed borrowing of £1000 at an annual interest rate of 39.94% (variable) your Representative APR will be 39.9% (variable).

17.9% 3 months 22 months
Fee: 3.5% , min £3 		None

Halifax Balance Transfer Credit Card MasterCard - Representative Example: Based on assumed borrowing of £1200 at an annual interest rate of 17.95% (variable) your Representative APR will be 17.9% (variable).

17.9% 13 months 13 months
Fee: 3% , min £3 		None

Halifax All in One MasterCard - Representative Example: Based on assumed borrowing of £1200 at an annual interest rate of 17.95% (variable) your Representative APR will be 17.9% (variable).

17.9% 12 months 12 months
Fee: 3% , min £3 		None

Bank of Scotland All in One MasterCard - Representative Example: Based on assumed borrowing of £1200 at an annual interest rate of 17.95% (variable) your Representative APR will be 17.9% (variable).

16.9% 3 months 18 months
Fee: 3% , min £3 		None

Bank of Scotland Plus MasterCard - Representative Example: Based on assumed borrowing of £1200 at an annual interest rate of 16.94% (variable) your Representative APR will be 16.9% (variable).

17.9% 13 months 13 months
Fee: 3% , min £3 		None

Bank of Scotland Advantage Existing C/A Cust MC - Representative Example: Based on assumed borrowing of £1200 at an annual interest rate of 17.95% (variable) your Representative APR will be 17.9% (variable).

17.5% 3 months 22 months
Fee: 2.9% , min £7.25 		Rewards

Barclaycard Platinum Extended Bal Transfer Visa - Representative Example: Based on assumed borrowing of £1200 at an annual interest rate of 17.5% (variable) your Representative APR will be 17.5% (variable). Ɨ
17.5% 3 months 21 months
Fee: 2.6% , min £7.25 		Rewards

Barclaycard Platinum CC Balance Transfer Visa - Representative Example: Based on assumed borrowing of £1200 at an annual interest rate of 17.5% (variable) your Representative APR will be 17.5% (variable). Ɨ
16.8% 3 months 20 months
Fee: 2.99% , min £3 		None

Virgin Money Credit Card MasterCard - Representative Example: Based on assumed borrowing of £1200 at an annual interest rate of 16.8% (variable) your Representative APR will be 16.8% (variable).

17.9% 6 months 20 months
Fee: 3.2% , min £5 		None

NatWest Platinum Credit Card MasterCard - Representative Example: Based on assumed borrowing of £1200 at an annual interest rate of 17.95% (variable) your Representative APR will be 17.9% (variable).

17.9% 6 months 20 months
Fee: 3.2% , min £5 		None

RBS Platinum Credit Card MasterCard - Representative Example: Based on assumed borrowing of £1200 at an annual interest rate of 17.9% (variable) your Representative APR will be 17.9% (variable).

15.9% 3 months 17 months
Fee: 2.95% , min £5 		Foreign Usage

Nationwide BS Credit Card Balance Transfer Visa - Representative Example: Based on assumed borrowing of £1200 at an annual interest rate of 15.9% (variable) your Representative APR will be 15.9% (variable). Ɨ
16.9% 3 months 15 months
Fee: 2.9% , min £5 		None

HSBC Existing C/Acc CC MasterCard - Representative Example: Based on assumed borrowing of £1200 at an annual interest rate of 16.9% (variable) your Representative APR will be 16.9% (variable).

18.9% 14 months 14 months
Fee: 2.9% , min £7.25 		Rewards

Barclaycard Platinum with Purchase Visa - Representative Example: Based on assumed borrowing of £1200 at an annual interest rate of 18.9% (variable) your Representative APR will be 18.9% (variable). Ɨ
17.9% 13 months 13 months
Fee: 2.9% , min £5 		Points

NatWest C/Acc Holders YourPoints World MC - Representative Example: Based on assumed borrowing of £1200 at an annual interest rate of 17.95% (variable) your Representative APR will be 17.9% (variable).

17.9% 13 months 13 months
Fee: 2.9% , min £5 		Points

RBS C/Acc Holders YourPoints World MC - Representative Example: Based on assumed borrowing of £1200 at an annual interest rate of 17.95% (variable) your Representative APR will be 17.9% (variable).

11.9% 6 months 12 months
Fee: 3% 		None

Lloyds TSB Advance MasterCard - Representative Example: Based on assumed borrowing of £1200 at an annual interest rate of 11.95% (variable) your Representative APR will be 11.9% (variable).

15.9% 3 months 12 months
Fee: 3% 		None

Lloyds TSB Platinum MasterCard - Representative Example: Based on assumed borrowing of £1200 at an annual interest rate of 15.94% (variable) your Representative APR will be 15.9% (variable).

16.9% 10 months 12 months
Fee: 3% , min £3 		Points

The AA Credit Card Visa - Representative Example: Based on assumed borrowing of £1200 at an annual interest rate of 16.9% (variable) your Representative APR will be 16.9% (variable). Ɨ
19.9% N/A N/A 12 months
Fee: 2.5% , min £6.25 		Rewards

Barclaycard Gold Visa - Representative Example: Based on assumed borrowing of £1200 at an annual interest rate of 19.9% (variable) your Representative APR will be 19.9% (variable). Ɨ
11.9% 9 months 9 months
Fee: 3% 		None

Saga Over 50's Platinum Visa - Representative Example: Based on assumed borrowing of £1200 at an annual interest rate of 11.9% (variable) your Representative APR will be 11.9% (variable). Ɨ
16.9% 15 months 9 months
Fee: 2.9% 		Clubcard

Tesco Bank Clubcard Credit Card MasterCard - Representative Example: Based on assumed borrowing of £1200 at an annual interest rate of 16.945% (variable) your Representative APR will be 16.9% (variable). Ɨ
15.9% N/A N/A 6 months
Fee: 3% 		Airmiles

Lloyds TSB Airmiles Duo Amex - Representative Example: Based on assumed borrowing of £1200 at an annual interest rate of 15.94% (variable) your Representative APR will be 15.9% (variable).

17.9% N/A N/A 6 months
Fee: 2% , min £3 		Flying Club Miles

Virgin Atlantic White Amex - Representative Example: Based on assumed borrowing of £1200 at an annual interest rate of 17.9% (variable) your Representative APR will be 17.9% (variable).

21.9% N/A N/A 6 months
Fee: 3% 		Airmiles

Lloyds TSB Airmiles Premier Duo Amex - Representative Example: Based on assumed borrowing of £1200 at an annual interest rate of 13.95% (variable) your Representative APR will be 21.9% (variable). £50 annual fee.

47.2% N/A N/A 6 months
Fee: 2% , min £3 		Flying Club Miles

Virgin Atlantic Black Amex - Representative Example: Based on assumed borrowing of £1200 at an annual interest rate of 18.9% (variable) your Representative APR will be 47.2% (variable). £140 annual fee.

7.9% N/A N/A N/A
N/A 		Rewards

Barclaycard Platinum Simplicity Visa - Representative Example: Based on assumed borrowing of £1200 at an annual interest rate of 7.9% (variable) your Representative APR will be 7.9% (variable). Ɨ
18.5% N/A N/A N/A
N/A 		Cashback

American Express Platinum Cashback Card - Representative Example: Based on assumed borrowing of £1200 at an annual interest rate of 14% (variable) your Representative APR will be 18.5% (variable). £25 annual fee. Ɨ
19.9% N/A N/A N/A
N/A 		BA Miles

British Airways American Express Card - Representative Example: Based on assumed borrowing of £1200 at an annual interest rate of 19.9% (variable) your Representative APR will be 19.9% (variable). Ɨ
19.9% N/A N/A N/A
N/A 		Cashback

Capital One World MasterCard - Representative Example: Based on assumed borrowing of £1200 at an annual interest rate of 19.94% (variable) your Representative APR will be 19.9% (variable). Ɨ
34.5% N/A N/A N/A
N/A 		Points

The Starwood Preferred Guest Credit Card Amex - Representative Example: Based on assumed borrowing of £1200 at an annual interest rate of 19.9% (variable) your Representative APR will be 34.5% (variable). £75 annual fee. Ɨ
50.1% N/A N/A N/A
N/A 		BA Miles

British Airways American Express Premium Plus Amex - Representative Example: Based on assumed borrowing of £1200 at an annual interest rate of 19.9% (variable) your Representative APR will be 50.1% (variable). £150 annual fee. Ɨ

Some more information on Credit Cards

Credit CardsFinding the right credit card to meet personal needs is not always simple. With so many types of cards that provide numerous features, the best option might take some comparison shopping and weighing pros and cons before it is possible to select. Fortunately, in the UK a wide range of credit card options are available to make selecting the right option easier.

UK Credit Laws:

Before taking on any credit card, it is important to understand the laws of the country regarding credit and debt beforehand to avoid any complications. In the UK, the government requires that all credit card and loan companies fully disclose the details of the agreement before consumers take out any debt. The contract for the credit card will provide full disclosure of the interest rate, when specials expire, how much interest is applied after expiration of deals and the consequences of late payments.

The government has taken further steps to protect consumers in the UK by requiring credit card companies to apply monthly payments to the higher debts before the lower debts. This means that anyone who uses an offer card with low or zero percent APR on cash advances, balance transfers or similar options and then purchases items on the card at the normal APR rate will first repay the high interest part of the debt.

Types of Cards:

Various types of UK credit cards are available for consumer needs. By looking for a card that matches personal credit wants or needs, the selection is narrowed down and it is possible to avoid looking at anything that does not fit.

Balance transfer credit cards are one of the popular types because it allows consumers to take the high interest debt from one card and put it onto a new card at a low cost. In many cases, the balance transfer has a zero percent interest rate for a specified time period. Most UK balance transfer cards will have between six months and 22 months before interest starts on the transfers.

Bad credit cards are another type of credit card option that is designed for men and women who have a poor credit score. In many cases, the purpose of the card is helping get back on track financially and rebuilding good credit over time. UK card holders can expect high interest rates around 39.9 percent as a result of the poor credit score.

Cash advance cards are designed for consumers who want to take out cash on the card rather than making purchases. The cash advance options often have a special deal of low interest on cash advances for a specific time period. After the time period, higher interest is applied to the cash advance.

Credit building cards are ideal for younger individuals who do not yet have enough established credit. This type of card usually has a low credit limit due to the complication of having little credit history available. As a card designed to help build up credit scores, young men and women are encouraged to pay back debts quickly when using the card. Student credit cards often fall under this category.

Rewards credit cards are the type that usually has interest, even from the beginning. Instead of the special low interest offers, this type of card provides rewards points that are redeemable for a wide range of personal needs. Rewards can range from cash back to free restaurant gift cards to plane flights, depending on the number of points and the card’s options.

Conclusion:

Finding the ideal credit card starts from looking at the appropriate type and then looking for something from a preferred bank or credit company. In the UK, a wide range of options are available with interest rates that might range from a low ten percent or less to a high 39.9 percent, depending on personal credit scores. A little shopping around and comparison can lead to the perfect credit solution.

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