04 February 2012 :

Compare Credit Cards

Compare credit cards using our table below:

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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

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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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.