04 February 2012 :

Credit Card Blogs

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Credit Cards

Credit cards offer a quick and convenient way to pay and given that many offer rewards, enhanced insurance and other benefits (as well as the standard benefits like spreading the cost of payment and section 75 protection) it's no wonder many people prefer them to cash Read more>

Product Name	Balance Transfer Intro	Purchases Intro	Representative APR (variable)	Rewards

Barclaycard Platinum with Balance Transfer
0%
22 mths
2.90% fee
0%
3 mths
17.9%
APR
Rewards

For a quicker transfer, complete your BT as you apply
Identity Protection Service and Fraud Protection
Good credit rating required

Representative Example: 17.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 17.9% p.a. (variable).

Barclaycard Platinum with Balance Transfer application

Virgin Money
0%
20 mths
2.99% fee
0%
3 mths
16.8%
APR
Virgin discounts

Instant decision on most applications
Discounts on Virgin holidays, Trains and other products
Good credit rating required

Representative Example: 16.8% p.a. (variable) on card purchases. This is equivalent to 16.8% APR representative (variable) based on a credit limit of £1,200.

HSBC
0%
23 mths
3.30% fee
0%
3 mths
17.9%
APR
No rewards

Available only to HSBC current account customers
Manage your account online, by phone or branch
Best for applicants with good credit rating

Representative Example: 17.90% APR representative (variable). Based on a credit limit of £1,200* and a purchase rate of 17.90% p.a. (variable) *Your credit limit may vary depending upon your circumstances

Halifax 20 Month Balance Transfer
0%
20 mths
3.00% fee
0%
3 mths
16.9%
APR
Entertainment, Travel and Shopping

You must have an annual income of £20,000 or more to apply
Cover against online fraud when shopping online
Good credit rating required

Representative Example: 16.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 16.94% p.a. (variable)

Halifax 20 Month Balance Transfer application

Tesco Clubcard
0%
9 mths
2.90% fee
0%
15 mths
16.9%
APR
Clubcard Shopping

1 Clubcard point per £4 spent (£4 min) on your Tesco credit card
Spend Clubcard rewards on Tesco shopping, holidays and days out
Good credit rating required

Representative Example: 16.9% APR representative (variable). Based on a credit limit of £1,200* and a purchase rate of 16.9% p.a. (variable). *Your credit limit may vary depending upon your circumstances.

Halifax All In One
0%
15 mths
3.00% fee
0%
15 mths
17.9%
APR
No Rewards

The APR and length of the promotional offer are dependent on your personal circumstances
Instant decision on online applications (in most circumstances)
Good credit rating required

Representative Example: 17.90% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 17.95% p.a. (variable)

Amex British Airways
n/a
n/a
19.9%
APR
Avios

Excellent credit rating required + min household income £30,000
Earn 1 Avios for virtually every £1 you spend
Earn 9,000 Avios when you spend £1000 in your first 3 months of Card membership

Representative Example: 19.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 19.9% p.a. (variable)

Barclaycard Initial
n/a
n/a
29.9%
APR
Rewards

Best suited as a first credit card
Manageable credit limits £250-£1,000
Not recommended if you have missed multiple payments, or have defaulted or CCJs in the past

Representative Example: 29.90% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 29.90% p.a. (variable)

Capital One Classic
n/a
n/a
34.9%
APR
No Rewards

60 second application response - credit limit up to £1,500
Most popular credit building credit card
Best for applicants who want to build or rebuild their credit rating

Representative Example: 34.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 34.94% p.a. (variable)

Virgin All Round
0%
16 mths
1.99% fee
0%
6 mths
15.8%
APR
Virgin discounts

Instant decision on most applications
Contactless payment - pay for items up to £15 without entering your pin
Good credit rating required

Representative Example: 15.8% p.a. (variable) on card purchases. This is equivalent to 15.8% APR representative (variable) based on a credit limit of £1,200.

NatWest Platinum
0%
20 mths
2.90% fee
0%
6 mths
17.9%
APR
Wine Travel Shopping

Discounts from Thomas Cook and Mastercard offers
Apply today and get an instant decision
Good credit rating required

Representative Example: 17.9% APR (variable) based on assumed Credit Limit of £1,200*. Standard interest rate for purchases: 17.95% p.a. (variable). *Your credit limit may vary depending upon your circumstances

RBS Platinum
0%
20 mths
2.90% fee
0%
6 mths
17.9%
APR
Discounts, Travel, Wine

Discounts on wine, shopping & travel
£750 cash advance per day, depending on credit limit
Good credit rating required

Barclaycard Platinum 16 Mths Balance Transfer
0%
16 mths
1.60% fee
0%
3 mths
18.9%
APR
Rewards

Barclaycard's lowest balance transfer handling fee
2.1% handling fee - refund offer reduces fee to equivalent of 1.6% for everyone (terms and conditions apply)
Good credit rating required

Representative Example: 18.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable)

Barclaycard Platinum 16 Mths Balance Transfer application

Help with Comparing Credit Card Deals

With more than 100 million credit cards in circulation, a dozen major lenders and more than 300 credit cards on offer, finding the best credit card for your needs can be a daunting task.

Here we aim to help take the confusion out of finding the best UK credit cards deals. Use our guides, calculators and extensive glossary to compare and determine what is the best credit card for you.

Which Credit Card is best for me?

Everyone circumstances and needs are different and therefore the best credit card for each of us is unique.

For some people it's the "credit" facility the card offers that is their main interest because they use them for short term borrowing. For these consumers, it's the interest rate at which the money is being lent to them, or the APR (Annual Percentage Rate), that is the most important element they should compare cards on.

For other users, who pay off their balance every month, other perks like cash back, airmiles and other rewards and benefits are more important.

By carefully comparing the different deals from the many providers in the market, you should be able to find a credit card that suits you and your lifestyle.

Money

Insurance

Utilities
- Gas & Electric
- Broadband

Product Offers
Please ensure that you fully read the terms & conditions of any product or policy before you decide to proceed and are fully aware of the total costs and the benefits and any exclusions or limitations applicable to the product or plan.

Please note that the product links will take you direct to the Issuer or Insurer's site direct and we cannot be held responsible for the information which they provide within their own sites. On some comparison tables we use a star rating which rates products by visitor popularity.