Compare UK Credit Cards
| Product Name | Balance Transfer Intro |
Purchases Intro |
Representative APR (variable) |
Rewards |
|---|---|---|---|---|
-
Barclaycard Platinum with Balance Transfer
-
0%
26 mths
3.50% fee
-
0%
6 mths
-
18.9%
APR
-
Barclaycard Unwind
- 0% interest on balance transfers for 26 months
- £10 refund on transfers of £2000 or more (T&Cs apply)
- Pay for items up to £20 with payWave™ Contactless
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).
-
Halifax 25 Month Balance Transfer
-
0%
25 mths
2.50% fee
-
0%
3 mths
-
18.9%
APR
-
No Rewards
- Transfer fee reduced from 3% to 2.5% (Automatic refund process, T&Cs apply)
- APR & promotional offer length are dependent on your circumstances
- Free cover against online fraud
Representative Example: 18.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 18.95% p.a. (variable)
-
Halifax All In One
-
0%
15 mths
1.00% fee
-
0%
15 mths
-
17.9%
APR
-
No Rewards
- Transfer fee reduced from 3% to 1% (via automatic refund process. T&Cs apply)
- APR & promotional offer length are dependent on your circumstances
- Free cover against online fraud
Representative Example: 17.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 17.95% p.a. (variable)
-
Barclaycard Initial
-
n/a
-
0%
3 mths
-
29.9%
APR
-
Barclaycard Unwind
- 0% on purchases for 3 months from opening your account
- £10 cashback when you spend a minimum of £200 in the first 3 months (Terms & Conditions apply)
- Still suitable if you've had CCJs over 12 months ago, but have not missed +2 payments recently
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)
-
Virgin
-
0%
20 mths
2.99% fee
-
0%
3 mths
-
16.8%
APR
-
Virgin discounts
- Great discounts on Virgin products and high street names
- Contactless payment for purchases of £20 or less
- Best for applicants with an excellent credit rating
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.
-
Barclaycard Platinum with Purchase
-
0%
14 mths
2.90% fee
-
0%
14 mths
-
18.9%
APR
-
Barclaycard Unwind
- Instant Decisions for Most Online Applications
- Transfer your Balance as you apply online
- Pay for items up to £20 with payWave™ Contactless Payment
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)
-
Tesco Clubcard for Purchases
-
0%
9 mths
2.90% fee
-
0%
16 mths
-
16.9%
APR
-
Clubcard Shopping
- Collect Tesco Clubcard points wherever you shop
- Spend Clubcard rewards on Tesco shopping, holidays and days out
- No cash advance fee for Clubcard Credit Card Tesco Travel Money purchases
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.
-
Aqua Classic
-
n/a
-
n/a
-
29.7%
APR
-
No Rewards
- Free aqua Credit Checker, worth up to £80.
- Initial credit up to £1,600 - Increases every 4mths available (subject to status)
- Aqua accept people who have had CCJs or are on low income
Representative Example: 29.7% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 29.73% 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
- Free email alerts to help you stay in control
- Good 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)
-
NatWest Platinum
-
0%
24 mths
2.90% fee
-
0%
6 mths
-
17.9%
APR
-
Travel, Shopping
- 0% on balance transfers for 24 months (2.9% fee, min £5)
- Instant approval available for online applications
- 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
There are a number of features you can look at when you compare credit cards, but the features you need to consider will differ according to your needs.
Therefore, before you start comparing credit cards, you will first need to decide why you need a credit card and what you need from it.
If you need to transfer existing debt, you will likely be looking for the card with one of the longest 0% balance transfer offers and also the cheapest balance transfer admin fee.
If you need to make a large purchase on credit, you will likely be looking for a card with a decent 0% on purchases offer.
However, you may just want to have a credit card for convenience and so would probably compare credit cards with rewards or cashback so that you get the most out of your credit card use. In this instance you would probably be interested in the card offering the lowest typical APR so that you know your purchases won’t cost you more in interest than the rewards you are likely to earn.
There are a few things to bear in mind no matter what your reason for applying for a credit card.
Before you start your credit card comparison, check to see if you are old enough to apply for the card and if you have the minimum annual income. Also, consider whether the card is likely to accept you based on your credit history. Platinum credit cards won’t be an option if you have a bad credit history but there are credit building cards to compare if you do.
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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.
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.
