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Credit Cards > Rewards & Cashback

Compare 0% Credit Cards, Balance Transfer Cards, Travel Cards, Business Cards, Sport Cards, Reward Cards and Platinum Cards.

Card	Provider	0% Balance Transfer	0% Purchases	APR	Benefits
Card	Provider	0% Balance Transfer	0% Purchases	APR	Benefits	More info Capital One Aspire Elite Card Applicants must be over 21 years old Applicants must earn more than £50,000 a year No CCJs or defaults UK resident and homeowner Representative APR of 19.9% (variable) Minimum monthly payments of 1% or £5.00 Annual fee of £120.00 No balance transfer fee Cash withdrawal fee of 3.00% / Minimum £3.00 Credit limit: Max £12,000.00 Min £12,000.00 Late payment charge of £12.00 Foreign usage rates 2.75% within Europe / 2.75% rest of world	Capital One Aspire Elite Card	N/A	N/A	19.9% APR Representative (Variable)	5% cashback in the first three months up to £200. Up to 2% cashback thereafter. Concierge service and purchase protection insurance. £120 annual fee. Excellent credit customers
Representative Example: If you borrow £12,000 at a rate of 17.69% p.a. (variable) with a £120 annual fee, you will pay 19.9% APR Representative (variable).
More info Capital One Aspire World Card Applicants must be over 21 years old Applicants must earn more than £20,000 a year No CCJs or defaults UK resident and homeowner Representative APR of 19.9% (variable) Minimum monthly payments of 1% or £5.00 No annual fee No balance transfer fee Cash withdrawal fee of 3.00% / Minimum £3.00 Credit limit: Max £7,500.00 Min £3,000.00 Late payment charge of £12.00 Foreign usage rates 2.75% within Europe / 2.75% rest of world	Capital One Aspire World Card	N/A	N/A	19.9% APR Representative (Variable)	5% cashback in the first three months up to £100. Up to 1.25% unlimited cashback thereafter. Identity theft protection and purchase protection insurance. Good credit customers
	Representative Example: If you borrow £1,200 at a rate of 19.94% p.a. (variable), you will pay 19.9% APR Representative (variable).
More info Santander 123 Credit Card Applicants must be over 18 years old Applicants must earn more than £7,500 a year No CCJs or bankruptcy Permanent UK address for at least 3 years Representative APR of 22.8% (variable) Minimum monthly payments of 1% or £5.00 Annual fee of £24.00 Balance transfer fee of 5.00% or £5.00 Cash withdrawal fee of 3.00% / Minimum £3.00 Credit limit: Varies Min £250.00 Late payment charge of £12.00 Foreign usage rates 2.95% within Europe / 2.95% rest of world	Santander 123 Credit Card	1 month5% or min £5.00 fee	1 month	22.8% APR Representative (Variable)	1% cashback at supermarkets, 2% at department stores and 3% at petrol stations. £24 annual fee. Refund of first year's fee if you take out card within 30 days of opening Santander 123 Current Account and pay bill via direct debit. Ends 30 June 2012. Good credit customers
	Representative Example: If you borrow £1,200 at a rate of 18.9% p.a. (variable) with a £24 annual fee, you will pay 22.8% APR Representative (variable).
More info Nationwide Select Credit Card Applicants must be over 18 years old Applicants must earn more than £5,000 a year No CCJs, IVAs or bankruptcy Permanent UK address for at least 12 months Representative APR of 12.9% (variable) Minimum monthly payments of 1% or £25.00 No annual fee Balance transfer fee of 3.10% or £5.00 Cash withdrawal fee of 2.50% / Minimum £3.00 Credit limit: Varies Min £500.00 Late payment charge of £12.00 Foreign usage rates 0.00% within Europe / 0.00% rest of world	Nationwide Select Credit Card	20 months3.1% or min £5.00 fee	12 months	12.9% APR Representative (Variable)	Exclusive to Nationwide FlexAccount holders. Unlimited 0.5% cashback on all UK purchases and unlimited commission-free purchases abroad. Good credit customers
	Representative Example: If you borrow £1,200 at a rate of 12.9% p.a. (variable), you will pay 12.9% APR Representative (variable).
More info AA Credit Card Applicants must be over 18 years old Applicants must earn more than £20,000 a year No CCJs or bankruptcy UK resident with a bank or building society account Representative APR of 16.9% (variable) Minimum monthly payments of 1% or £25.00 No annual fee Balance transfer fee of 3.00% or £3.00 Cash withdrawal fee of 5.00% / Minimum £5.00 Credit limit: Varies Late payment charge of £12.00 Foreign usage rates 2.99% within Europe / 2.99% rest of world	AA Credit Card	12 months3% or min £3.00 fee	10 months	16.9% APR Representative (Variable)	Earn reward points on all spending. Redeem points on AA products, turn them into shopping vouchers or earn cashback. 1% back on fuel and 0.5% back on other purchases. Good credit customers
	Representative Example: If you borrow £1,200 at a rate of 16.9% p.a. (variable), you will pay 16.9% APR Representative (variable).
More info Sainsbury's Nectar Credit Card Applicants must be over 18 years old Must not have been declined for credit in the last month Permanent UK address Representative APR of 16.9% (variable) Minimum monthly payments of 2.25% or £5.00 No annual fee Balance transfer fee of 3.00% or £3.00 Cash withdrawal fee of 3.00% / Minimum £3.00 Credit limit: Varies Late payment charge of £12.00 Foreign usage rates 2.75% within Europe / 2.75% rest of world	Sainsbury's Nectar Credit Card	15 months3% or min £3.00 fee	6 months	16.9% APR Representative (Variable)	Earn two Nectar points for every £1 spent on Sainsbury's shopping for first two years. One Nectar point for every £5 spent elsewhere. Good credit customers
	Representative Example: If you borrow £1,200 at a rate of 16.94% p.a. (variable), you will pay 16.9% APR Representative (variable).
More info Halifax 22 month Balance Transfer Credit Card Applicants must be over 18 years old Applicants must earn more than £20,000 a year UK resident with a regular income Representative APR of 17.9% (variable) Minimum monthly payments of 1% or £5.00 No annual fee Balance transfer fee of 3.50% or £3.50 Cash withdrawal fee of 3.00% / Minimum £3.00 Credit limit: Varies Late payment charge of £12.00 Foreign usage rates 2.95% within Europe / 2.95% rest of world	Halifax 22 month Balance Transfer Credit Card	22 months3.5% or min £3.50 fee	3 months	17.9% APR Representative (Variable)	Deals and discounts on travel, entertainment and shopping. Annual income of £20,000 or more required. Good credit customers
	Representative Example: If you borrow £1,200 at a rate of 17.95% p.a. (variable), you will pay 17.9% APR Representative (variable).
More info Virgin All Round Credit Card Applicants must be over 18 years old UK resident with a bank or building society account Representative APR of 15.8% (variable) Minimum monthly payments of 1% or £25.00 No annual fee Balance transfer fee of 1.99% or £3.00 Cash withdrawal fee of 5.00% / Minimum £5.00 Credit limit: Varies Late payment charge of £12.00 Foreign usage rates 2.99% within Europe / 2.99% rest of world	Virgin All Round Credit Card	16 months1.99% or min £3.00 fee	6 months	15.8% APR Representative (Variable)	Get 10% discount on Virgin Wines and 5% off Virgin Holidays, plus one-month free Virgin gym membership. Good credit customers
	Representative Example: If you borrow £1,200 at a rate of 15.8% p.a. (variable), you will pay 15.8% APR Representative (variable).
More info Virgin Balance Transfer Credit Card Applicants must be over 18 years old UK resident with a bank or building society account Representative APR of 16.8% (variable) Minimum monthly payments of 1% or £25.00 No annual fee Balance transfer fee of 2.99% or £3.00 Cash withdrawal fee of 5.00% / Minimum £5.00 Credit limit: Varies Late payment charge of £12.00 Foreign usage rates 2.99% within Europe / 2.99% rest of world	Virgin Balance Transfer Credit Card	20 months2.99% or min £3.00 fee	3 months	16.8% APR Representative (Variable)	Get 10% discount on Virgin Wines and 5% off Virgin Holidays, plus one-month free Virgin gym membership. Good credit customers
	Representative Example: If you borrow £1,200 at a rate of 16.8% p.a. (variable), you will pay 16.8% APR Representative (variable).
More info Virgin Purchase Credit Card Applicants must be over 18 years old UK resident with a bank or building society account Representative APR of 18.9% (variable) Minimum monthly payments of 1% or £25.00 No annual fee Balance transfer fee of 2.89% or £3.00 Cash withdrawal fee of 5.00% / Minimum £5.00 Credit limit: Varies Late payment charge of £12.00 Foreign usage rates 2.99% within Europe / 2.99% rest of world	Virgin Purchase Credit Card	13 months2.89% or min £3.00 fee	13 months	18.9% APR Representative (Variable)	Get 10% discount on Virgin Wines and 5% off Virgin Holidays, as well as one month free at Virgin gyms. Good credit customers
	Representative Example: If you borrow £1,200 at a rate of 18.9% p.a. (variable), you will pay 18.9% APR Representative (variable).
More info Halifax 20 month Balance Transfer Credit Card Applicants must be over 18 years old Applicants must earn more than £20,000 a year UK resident with a regular income Representative APR of 16.9% (variable) Minimum monthly payments of 1% or £5.00 No annual fee Balance transfer fee of 3.00% or £3.00 Cash withdrawal fee of 3.00% / Minimum £3.00 Credit limit: Varies Late payment charge of £12.00 Foreign usage rates 2.95% within Europe / 2.95% rest of world	Halifax 20 month Balance Transfer Credit Card	20 months3% or min £3.00 fee	3 months	16.9% APR Representative (Variable)	Annual income of £20,000 or more required. Discounts on travel, entertainment and shopping. Choice of five card colours. Good credit customers
	Representative Example: If you borrow £1,200 at a rate of 16.94% p.a. (variable), you will pay 16.9% APR Representative (variable).
More info Lloyds TSB Duo Avios Credit Card Applicants must be over 18 years old No CCJs and no bankruptcy in the last 6 years UK resident Representative APR of 15.9% (variable) Minimum monthly payments of 1% or £5.00 No annual fee Balance transfer fee of 3.00% Cash withdrawal fee of 3.00% / Minimum £3.00 Credit limit: Varies Min £500.00 Late payment charge of £12.00 Foreign usage rates 2.95% within Europe / 2.95% rest of world	Lloyds TSB Duo Avios Credit Card	6 months3% fee	N/A	15.9% APR Representative (Variable)	Earn Avios airmiles for UK purchases. Get double Avios airmiles for purchases abroad. Good credit customers
	Representative Example: If you borrow £1,200 at a rate of 15.94% p.a. (variable), you will pay 15.9% APR Representative (variable).
More info Virgin Atlantic White Credit Card Applicants must be over 18 years old UK resident with a bank or building society account Representative APR of 17.9% (variable) Minimum monthly payments of 1% or £25.00 No annual fee Balance transfer fee of 2.00% or £3.00 Cash withdrawal fee of 2.00% / Minimum £3.00 Credit limit: Varies Late payment charge of £12.00 Foreign usage rates 2.75% within Europe / 2.75% rest of world	Virgin Atlantic White Credit Card	6 months2% or min £3.00 fee	N/A	17.9% APR Representative (Variable)	Earn 3,000 Flying Club miles with your first purchase within 90 days. Gain at least one mile for every £2 you spend. Free flight after £15,000 spent and upgrade after £10,000 spent per year. Good credit customers
	Representative Example: If you borrow £1,200 at a rate of 17.9% p.a. (variable), you will pay 17.9% APR Representative (variable).
More info Lloyds TSB Premier Duo Avios Credit Card Applicants must be over 18 years old No CCJs and no bankruptcy in the last 6 years UK resident Representative APR of 21.9% (variable) Minimum monthly payments of 1% or £5.00 Annual fee of £50.00 Balance transfer fee of 3.00% Cash withdrawal fee of 3.00% / Minimum £3.00 Credit limit: Varies Min £500.00 Late payment charge of £12.00 Foreign usage rates 2.95% within Europe / 2.95% rest of world	Lloyds TSB Premier Duo Avios Credit Card	6 months3% fee	N/A	21.9% APR Representative (Variable)	Earn Avios airmiles for UK purchases. Get double Avios airmiles for purchases abroad. Good credit customers
	Representative Example: If you borrow £1,200 at a rate of 13.95% p.a. (variable) with a £50 annual fee, you will pay 21.9% APR Representative (variable).
More info Virgin Atlantic Black Credit Card Applicants must be over 18 years old UK resident with a bank or building society account Representative APR of 47.2% (variable) Minimum monthly payments of 1% or £25.00 Annual fee of £140.00 Balance transfer fee of 2.00% or £3.00 Cash withdrawal fee of 2.00% / Minimum £3.00 Credit limit: Varies Late payment charge of £12.00 Foreign usage rates 2.75% within Europe / 2.75% rest of world	Virgin Atlantic Black Credit Card	6 months2% or min £3.00 fee	N/A	47.2% APR Representative (Variable)	Earn 6,000 Flying Club miles on first purchase in 90 days. Gain at least one mile for every £1 spent. Free flight after £7,500 spent and upgrade after £5,000 spent per year. £140 annual fee. Good credit customers
	Representative Example: If you borrow £1,200 at a rate of 18.9% p.a. (variable) with a £140 annual fee, you will pay 47.2% APR Representative (variable).
More info Fluid Credit Card Applicants must be over 18 years old UK resident Representative APR of 16.9% (variable) Minimum monthly payments of 1% or £25.00 No annual fee Balance transfer fee of 2.90% or £3.00 Cash withdrawal fee of 3.00% / Minimum £3.00 Credit limit: Varies Late payment charge of £12.00 Foreign usage rates 2.99% within Europe / 2.99% rest of world	Fluid Credit Card	16 months2.9% or min £3.00 fee	3 months	16.9% APR Representative (Variable)	Contactless payment for purchases up to £15. 30% discount on Fluid Travel Insurance when using Fluid card. No transfers from other MBNA accounts. Good credit customers
	Representative Example: If you borrow £1,200 at a rate of 16.9% p.a. (variable), you will pay 16.9% APR Representative (variable).
More info Sainsbury's Gold Credit Card Applicants must be over 18 years old Must not have been declined for credit in the last month Permanent UK address Representative APR of 20.1% (variable) Minimum monthly payments of 2.25% or £5.00 Annual fee of £60.00 No balance transfer fee No cash withdrawal fee Credit limit: Varies Late payment charge of £12.00 Foreign usage rates 0.00% within Europe / 0.00% rest of world	Sainsbury's Gold Credit Card	N/A	N/A	20.1% APR Representative (Variable)	Travel insurance for two adults and up to six children. £5 monthly fee. Good credit customers
	Representative Example: If you borrow £1,200 at a rate of 9.94% p.a. (variable) with a £60 annual fee, you will pay 20.1% APR Representative (variable).
More info Granite Credit Card Applicants must be over 18 years old Applicants must earn more than £4,000 a year No suspicion of fraud and no bankruptcy UK resident Representative APR of 34.9% (variable) Minimum monthly payments of 3.5% or £10.00 No annual fee No balance transfer fee Cash withdrawal fee of 3.00% / Minimum £3.00 Credit limit: Max £500.00 Min £150.00 Late payment charge of £12.00 Foreign usage rates 2.99% within Europe / 2.99% rest of world	Granite Credit Card	N/A	N/A	34.9% APR Representative (Variable)	Exclusive deals and discounts with Granite Rewards scheme. Starting credit limit up to £500. Rates from 34.9% to 59.9% APR Representative (variable). Suitable for rebuilding credit profile
	Representative Example: If you borrow £250 at a rate of 34.95% p.a. (variable), you will pay 34.9% APR Representative (variable).

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0% Credit Cards

A 0% credit card provides you with the benefit of not charging interest on your card balance. Interest free periods are usually limited, after which a rate of interest is applied to the outstanding balance.

Balance Transfer

A Balance Transfer credit card allows you to transfer existing store or credit card debt to a new credit card initially with a potentially lower rate of interest. Particular attention should be paid to the length of time the opening offer is for, once the offer ends the full APR resumes and the full interest will be charged from that point on.

0% Purchase

A Zero percent purchase credit card offers an introductory rate that is interest free for new purchases for a specific term after which the standard rate applies. If you are looking for help with your cash flow then a 0% purchase credit card might do the trick but be aware that each credit card will vary on the term of the interest free period and the standard rate in which it will revert to therefore it is important that you compare these features before applying.

Interest Free credit cards

Interest free credit cards are credit cards which offer an interest free period on the credit that is either borrowed from, or transferred onto, the card. Interest free periods are usually limited, after which a rate of interest is applied to the outstanding balance.

Low Interest Credit Cards

A low interest credit card or low rate credit card will feature a low interest rate, so the interest charged on the outstanding balance is lower than most standard rate cards in the market. This is a good option if you do not want to be switching your credit cards regularly to take advantage of interest free deals as the card charges a consistently low interest rate.

Cashback

A cashback credit card is a credit card which pays you each time you spend on them. Cashback Credit Cards will give you back a small percentage of your overall spend, each time you use them, which means, over the course of a year, you will receive a percentage of your yearly spend back. This form of Credit Card could be a good source of gaining additional finance.

Bad Credit Credit Cards

A Bad Credit Credit Card is a credit card for bad credit or for people with a low/poor credit rating, CCJs or who have claimed bankruptcy. Bad Credit Credit Cards function just like regular credit cards, but due to the perceived higher risk the applicant poses to the card issuer, they often carry a higher rate of interest, and benefits may be reduced.

Travel Cards

A travel credit card is a card providing benefits on travel. This can vary from air miles, saving money on holiday bookings to 0% commission when using abroad.

Rewards

Rewards credit cards offer rewards or incentives for use. These rewards can vary greatly from air miles to contributions to charities.

Gold and Platinum Credit Cards

A platinum credit card is a type of credit card product which provides similar features and benefits as a standard credit card, however to qualify for a gold credit card or a platinum credit card you may need a higher income than that required for regular a card. Gold cards and platinum cards may offer higher credit limits and an increased daily cash withdrawal allowance.

Prestige cards may also offer additional benefits such as free extended warranty on many household appliances, free purchase protection, savings on travel / hotels and even free travel insurance. They often have similar benefits to reward cards too in the form of airmiles or money off vouchers for example.

Business Credit Cards

A business credit card is usually issued to corporate executives or business owners to more easily keep business expenses separate from personal charges. Many financial institutions provide this product with additional benefits for the business.

Sport Credit Cards

Sports Credit Cards are, for example Football Credit Cards, that are issued by sporting organization that allow individuals to carry their Football Team Credit Card in their wallet. Many supporters enjoy seeing their football team and credit cards united and the growth of football team and credit card offerings are a growing market. Many football clubs not only offer Football Credit Cards they also offer Team and Rewards Credit Card with the benefit of Team and Reward Credit Cards being that as well as having your teams credit card in your wallet you benefit by getting reward points every time you use it

How to find the Best credit card for you

To find top credit card deals or the best credit card for you ensure that you shop around. There are a number of different credit card types in the market all of which have different benefits and interest rates and therefore it is a good idea to compare credit cards in order to find a cheap credit card that suits your spending or saving requirements.

Credit Card providers:

Barclays Bank plc, MBNA. Alliance and Leicester, Virgin, Post Office Limited, American Express, Amex, Royal Bank of Scotland, Halifax, Natwest, Vanquis, HSBC, Aqua, Lloyds TSB Group, Abbey, Tesco, Capital One Bank, Citigroup Inc, Sainsburys Bank plc, Bank of Scotland plc, Co-Operative Bank plc, HFC Bank Limited, Marks and Spencer plc

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