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Credit Cards

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

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↓	Provider	Balance Transfer		Purchase		APR Typical (variable)	Benefits
↓	Provider	Rate	Duration	Rate	Duration	APR Typical (variable)	Benefits
	Barclaycard Platinum Credit Card 0% interest on balance transfers for 15 months from account opening (2.9% handling fee applies). more info Barclaycard Platinum Credit Card Applicants must be over 21 years old Applicants must earn more than £20,000.00 a year No CCJs or bankruptcy UK resident for at least 3 months Typical APR of 15.9% Minimum monthly payments of 2.25% or £5.00 No annual fee No balance transfer rate Balance transfer fee of 2.90% Cash withdrawal fee of 2.50% / Minimum £2.50 Credit limit: Varies Min £250.00 Late payment charge of £12.00 Foreign usage rates 2.75% within Europe / 2.75% rest of world	0.00%	15 months 2.90% fee	0.00%	3 months	15.9% APR Typical(Variable)	Barclaycard Freedom – A NEW rewards programme like no other. Good Credit Customers.
	Egg Credit Card more info Egg Credit Card Applicants must be over 18 years old No CCJs or IVAs Permanent UK resident Typical APR of 16.9% Minimum monthly payments of 2.00% or £5.00 No annual fee No balance transfer rate Balance transfer fee of 3.00% Cash withdrawal fee of 3.00% / Minimum £5.00 Credit limit: Varies Min £500.00 Late payment charge of £16.00 Foreign usage rates 2.95% within Europe / 2.95% rest of world	0.00%	until 05/11 3.00% fee	0.00%	until 06/10	16.9% APR Typical(Variable)	Instant cash back plus great deals and discounts at selected retailers. Good Credit Customers.
	Virgin Credit Card Great deals with Virgin Media. more info Virgin Credit Card Applicants must be over 18 years old Typical APR of 16.6% Minimum monthly payments of your balance if this is less than £25 or whichever is the greater of £25 or 1% of your statement balance before any default charges and interest. No annual fee No balance transfer rate Balance transfer fee of 2.98% 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	0.00%	14 months 2.98% or £3.00 fee	0.00%	3 months	16.6% APR Typical(Variable)	Market leading balance transfer card.Great deals with Virgin Media. Good Credit Customers.
	Tesco Clubcard more info Tesco Clubcard Applicants must be over 18 years old UK resident Typical APR of 16.9% Minimum monthly payments of 3.00% or £5.00 No annual fee No balance transfer rate Balance transfer fee of 2.00% Cash withdrawal fee of 3.00% / Minimum £3.00 Credit limit: Varies Min £250.00 Late payment charge of £12.00 Foreign usage rates 2.75% within Europe / 2.75% rest of world	0.00%	6 months 2.00% fee	0.00%	12 months	16.9% APR Typical(Variable)	Instant decision online.1 point per £4 spent and double points as a Clubcard. Good Credit Customers.
	MBNA Platinum Rewards Visa 0% rate offered on Balance Transfers made in the first 90 days. more info MBNA Platinum Rewards Visa Applicants must be over 23 years old Applicants must earn more than £20,000.00 a year No CCJs Homeowner and UK resident for the past two years Typical APR of 16.9% Minimum monthly payments of your balance if this is less than £25 or whichever is the greater of £25 or 1% of your statement balance before any default charges and interest. No annual fee No balance transfer rate Balance transfer fee of 2.90% or £0.00 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	0.00%	13 months 2.90% fee	0.00%	3 months	16.9% APR Typical(Variable)	Reward points collected on all spend. Instant decision online. Good Credit Customers.
	Barclaycard Platinum Simplicity Credit Card 7.8% APR Typical (variable)on all balance transfers until paid in full.No BT fee. more info Barclaycard Platinum Simplicity Credit Card Applicants must be over 21 years old Applicants must earn more than £20,000.00 a year No CCJs UK resident for at least 3 months Typical APR of 7.8% Minimum monthly payments of 2.25% or £5.00 No annual fee Balance transfer rate of 7.80% PA for see provider No balance transfer fee Cash withdrawal fee of 2.50% / Minimum £2.50 Credit limit: Varies Min £250.00 Late payment charge of £12.00 Foreign usage rates 2.75% within Europe / 2.75% rest of world	7.80%	see provider	7.80%	see provider	7.8% APR Typical(Variable)	Barclaycard Freedom – A NEW rewards programme like no other. Good Credit Customers.
	Sainsbury's Credit Card Earn 2 Nectar points for every £1 you spend in the first 2 years more info Sainsbury's Credit Card Applicants must be over 18 years old No history of bad credit UK resident Typical APR of 15.9% Minimum monthly payments of 2.25% or £5.00 No annual fee No balance transfer rate Balance transfer fee of 3.00% or £3.00 Cash withdrawal fee of 3.00% / Minimum £3.00 Credit limit: Max £n/a Min £500.00 Late payment charge of £12.00 Foreign usage rates 2.75% within Europe / 2.75% rest of world	0.00%	10 months 3.00% or £3.00 fee	0.00%	10 months	15.9% APR Typical(Variable)	0% for the first 12 months on Sainsbury's shopping. Good Credit Customers.
	Lloyds TSB Airmiles Duo Credit Card more info Lloyds TSB Airmiles Duo Credit Card Applicants must be over 18 years old No CCJs UK resident Typical APR of 15.9% Minimum monthly payments of 2.00% or £5.00 No annual fee No balance transfer rate Balance transfer fee of 3.00% Cash withdrawal fee of 3.00% / Minimum £2.50 Credit limit: Varies Min £500.00 Late payment charge of £12.00 Foreign usage rates 2.95% within Europe / 2.95% rest of world	0.00%	6 months 3.00% fee	15.90%	n/a	15.9% APR Typical(Variable)	Collect Airmiles every time you spend.Ts&Cs apply. Good Credit Customers.
	AA Credit Card more info AA Credit Card Applicants must be over 18 years old Applicants must earn more than £20,000.00 a year No CCJs or bankruptcy UK resident Typical APR of 16.9% Minimum monthly payments of 1.00% or £25.00 No annual fee No balance transfer rate Balance transfer fee of 2.99% 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	0.00%	12 months 2.99% or £3.00 fee	0.00%	10 months	16.9% APR Typical(Variable)	0% on all purchases for 10 months + AA Reward Points Good Credit Customers.
	Barclaycard Gold Credit Card A new quick and easy way to pay for purchases of £10 or under. more info Barclaycard Gold Credit Card Applicants must be over 21 years old Applicants must earn more than £17,500.00 a year No CCJs or IVAs in the past 5 years UK resident for at least 3 months Typical APR of 19.9% Minimum monthly payments of 2.25% or £5.00 No annual fee No balance transfer rate Balance transfer fee of 2.50% Cash withdrawal fee of 2.50% / Minimum £2.50 Credit limit: Varies Min £250.00 Late payment charge of £12.00 Foreign usage rates 2.75% within Europe / 2.75% rest of world	0.00%	until 04/11 2.50% fee	19.90%	n/a	19.9% APR Typical(Variable)	Barclaycard Freedom – A NEW rewards programme like no other. Good Credit Customers.
	BT Credit Card 0% rate offered on Balance Transfers made in the first 90 days. more info BT Credit Card Applicants must be over 23 years old Applicants must earn more than £20,000.00 a year No CCJs Homeowner and UK resident for the past two years Typical APR of 16.9% Minimum monthly payments of your balance if this is less than £25 or whichever is the greater of £25 or 1% of your statement balance before any default charges and interest. No annual fee No balance transfer rate Balance transfer fee of 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	0.00%	13 months 3.00% fee	0.00%	3 months	16.9% APR Typical(Variable)	Earn unlimited money off your BT bill. Good Credit Customers.
	UNICEF Credit Card £4 to UNICEF when you use your card within 90 days of the account opening more info UNICEF Credit Card Applicants must be over 23 years old Applicants must earn more than £20,000.00 a year No CCJs Homeowner and UK resident for the past two years Typical APR of 15.9% Minimum monthly payments of 1.00% or £25.00 Annual fee of £15.90 No balance transfer rate 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 2.99% within Europe / 2.99% rest of world	0.00%	12 months 3.00% or £3.00 fee	0.00%	3 months	15.9% APR Typical(Variable)	25p donated to UNICEF for every £100 spent. Good Credit Customers.
	bmi American Express Credit Card Earn 1.5 destinations miles for every £1 spent. more info bmi American Express Credit Card Applicants must be over 23 years old Applicants must earn more than £20,000.00 a year UK residents only Typical APR of 15.9% Minimum monthly payments of For balances of £25 or less, it will be the total amount of the statement balance.For balances of £25 and over it will always be at least £25. No annual fee No balance transfer rate 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	0.00%	12 months 3.00% or £3.00 fee	0.00%	3 months	15.9% APR Typical(Variable)	Spend £250 & receive 20,000 destinations miles. Good Credit Customers.
	The Sony Card 0% on balance transfers made within the first 90 day. more info The Sony Card Applicants must be over 23 years old Applicants must earn more than £20,000.00 a year No CCJs Homeowner and UK resident for the past two years Typical APR of 15.9% Minimum monthly payments of 1.00% or £25.00 No annual fee No balance transfer rate 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 2.99% within Europe / 2.99% rest of world	0.00%	12 months 3.00% or £3.00 fee	0.00%	3 months	15.9% APR Typical(Variable)	1 Reward Point for every £1 spent. Good Credit Customers.
	WWF Credit Card Contributions to WWF. more info WWF Credit Card Applicants must be over 23 years old Applicants must earn more than £20,000.00 a year No CCJs Homeowner and UK resident for the past two years Typical APR of 15.9% Minimum monthly payments of 1.00% or £25.00 No annual fee No balance transfer rate 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 2.99% within Europe / 2.99% rest of world	0.00%	12 months 3.00% or £3.00 fee	0.00%	3 months	15.9% APR Typical(Variable)	10% discount on WWF’s collection of eco-friendly gifts and products. Good Credit Customers.
	The National Trust Credit Card £15 to The National Trust when you use your card within 90 days of the account opening. more info The National Trust Credit Card Applicants must be over 23 years old Applicants must earn more than £20,000.00 a year No CCJs UK resident for the past two years. Typical APR of 15.9% Minimum monthly payments of 1.00% or For balances of £25 or less, it will be the total amount of the statement balance.For balances of £25 and over it will always be at least £25. No annual fee No balance transfer rate 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 2.99% within Europe / 2.99% rest of world	0.00%	12 months 3.00% or £3.00 fee	0.00%	3 months	15.9% APR Typical(Variable)	Save £5 when you spend £25 or more in National Trust Shops. Good Credit Customers.
	Liverpool FC Rewards Credit Card more info Liverpool FC Rewards Credit Card Applicants must be over 23 years old Applicants must earn more than £20,000.00 a year No CCJs Homeowner and UK resident for the past two years Typical APR of 15.9% Minimum monthly payments of 1.00% or For balances of £25 or less, it will be the total amount of the statement balance.For balances of £25 and over it will always be at least £25. No annual fee No balance transfer rate Balance transfer fee of 3.00% or £3.00 Cash withdrawal fee of 3.00% / Minimum £ Credit limit: Varies Late payment charge of £12.00 Foreign usage rates 2.99% within Europe / 2.99% rest of world	0.00%	12 months 3.00% or £3.00 fee	0.00%	3 months	15.9% APR Typical(Variable)	1 Reward Point for every £1 spent. Good Credit Customers.
	Chelsea Rewards Credit Card more info Chelsea Rewards Credit Card Applicants must be over 23 years old Applicants must earn more than £20,000.00 a year No CCJs Homeowner and UK resident for the past two years Typical APR of 15.9% Minimum monthly payments of 1.00% or For balances of £25 or less, it will be the total amount of the statement balance.For balances of £25 and over it will always be at least £25. No annual fee No balance transfer rate 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 2.99% within Europe / 2.99% rest of world	0.00%	12 months 3.00% or £3.00 fee	0.00%	3 months	15.9% APR Typical(Variable)	1 Reward Point for every £1 spent. Good Credit Customers.
	Manchester United Credit Card more info Manchester United Credit Card Applicants must be over 23 years old Applicants must earn more than £20,000.00 a year No CCJs Homeowner and UK resident for the past two years Typical APR of 15.9% Minimum monthly payments of 1.00% or £25.00 No annual fee No balance transfer rate Balance transfer fee of 3.00% or £3.00 No cash withdrawal fee Credit limit: Varies Late payment charge of £12.00 Foreign usage rates 2.99% within Europe / 2.99% rest of world	0.00%	12 months 3.00% or £3.00 fee	0.00%	3 months	15.9% APR Typical(Variable)	1 Reward Point for every £1 spent. Good Credit Customers.
	The Aston Villa Rewards Credit Card more info The Aston Villa Rewards Credit Card Applicants must be over 23 years old Applicants must earn more than £20,000.00 a year No CCJs or bankruptcy Homeowner and UK resident for the past two years Typical APR of 15.9% Minimum monthly payments of 1.00% or For balances of £25 or less, it will be the total amount of the statement balance.For balances of £25 and over it will always be at least £25. No annual fee No balance transfer rate 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 2.99% within Europe / 2.99% rest of world	0.00%	12 months 3.00% or £3.00 fee	0.00%	3 months	15.9% APR Typical(Variable)	Contributions made to Aston Villa Club every time you make a card purchase. Good Credit Customers.
	The Tottenham Hotspur Rewards Credit Card more info The Tottenham Hotspur Rewards Credit Card Applicants must be over 23 years old Applicants must earn more than £20,000.00 a year No CCJs Homeowner and UK resident for the past two years Typical APR of 15.9% Minimum monthly payments of 1.00% or For balances of £25 or less, it will be the total amount of the statement balance.For balances of £25 and over it will always be at least £25. No annual fee No balance transfer rate Balance transfer fee of 3.00% or £3.00 No cash withdrawal fee Credit limit: Varies Late payment charge of £12.00 Foreign usage rates 2.99% within Europe / 2.99% rest of world	0.00%	12 months 3.00% or £3.00 fee	0.00%	3 months	15.9% APR Typical(Variable)	1 Reward Point for every £1 spent. Good Credit Customers.
	The Arsenal Rewards Credit Card more info The Arsenal Rewards Credit Card Applicants must be over 23 years old Applicants must earn more than £20,000.00 a year No CCJs Homeowner and UK resident for the past two years Typical APR of 15.9% Minimum monthly payments of 1.00% or For balances of £25 or less, it will be the total amount of the statement balance.For balances of £25 and over it will always be at least £25. No annual fee No balance transfer rate 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 2.99% within Europe / 2.99% rest of world	0.00%	12 months 3.00% or £3.00 fee	0.00%	3 months	15.9% APR Typical(Variable)	Contributions to Arsenal Youth Development Programme. Good Credit Customers.
	The Celtic Rewards MasterCard more info The Celtic Rewards MasterCard Applicants must be over 23 years old Applicants must earn more than £20,000.00 a year Homeowner and UK resident for the past two years Typical APR of 15.9% Minimum monthly payments of 1.00% or For balances of £25 or less, it will be the total amount of the statement balance.For balances of £25 and over it will always be at least £25. No annual fee No balance transfer rate 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 2.99% within Europe / 2.99% rest of world	0.00%	12 months 3.00% or £3.00 fee	0.00%	3 months	15.9% APR Typical(Variable)	1 Reward Point for every £1 spent. Good Credit Customers.
	Miles & More American Express Credit Card more info Miles & More American Express Credit Card Applicants must be over 23 years old Applicants must earn more than £20,000.00 a year No CCJs or IVAs Homeowner and UK resident for the past two years Typical APR of 15.9% Minimum monthly payments of 1.00% or £25.00 No annual fee No balance transfer rate 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 3.00% within Europe / 3.00% rest of world	0.00%	12 months 3.00% or £3.00 fee	0.00%	3 months	15.9% APR Typical(Variable)	Receive a welcome bonus of 1,500 award miles.Ts&Cs apply. Good Credit Customers.
	Breakthrough Breast Cancer Credit Card more info Breakthrough Breast Cancer Credit Card Applicants must be over 23 years old Applicants must earn more than £20,000.00 a year No CCJs Homeowner and UK resident for the past two years Typical APR of 15.9% Minimum monthly payments of 1.00% or £25.00 No annual fee No balance transfer rate 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 2.99% within Europe / 2.99% rest of world	0.00%	12 months 3.00% or £3.00 fee	0.00%	3 months	15.9% APR Typical(Variable)	Breast Cancer will receive 25p for every £100 you spend on card purchases. Good Credit Customers.
	British Heart Foundation MasterCard more info British Heart Foundation MasterCard Applicants must be over 23 years old Applicants must earn more than £20,000.00 a year No CCJs Homeowner and UK resident for the past two years Typical APR of 15.9% Minimum monthly payments of 1.00% or £25.00 No annual fee No balance transfer rate 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 2.99% within Europe / 2.99% rest of world	0.00%	12 months 3.00% or £3.00 fee	0.00%	3 months	15.9% APR Typical(Variable)	British Heart Foundation will receive 35p for every £100 you spend on card purchases Good Credit Customers.
	The Official England Credit Card more info The Official England Credit Card Applicants must be over 23 years old Applicants must earn more than £20,000.00 a year No CCJs or bankruptcy Homeowner and UK resident for the past two years Typical APR of 15.9% Minimum monthly payments of 1.00% or For balances of £25 or less, it will be the total amount of the statement balance.For balances of £25 and over it will always be at least £25. No annual fee No balance transfer rate Balance transfer fee of 4.00% or £3.00 Cash withdrawal fee of 3.00% / Minimum £3.00 Credit limit: Varies Late payment charge of £12.00 Foreign usage rates 2.99% within Europe / 2.99% rest of world	0.00%	12 months 4.00% or £3.00 fee	0.00%	3 months	15.9% APR Typical(Variable)	15% discount on all purchases at the official England Online Store. Good Credit Customers.
	The Rangers MasterCard more info The Rangers MasterCard Applicants must be over 23 years old Applicants must earn more than £20,000.00 a year Homeowner and UK resident for the past two years Typical APR of 15.9% Minimum monthly payments of 1.00% or For balances of £25 or less, it will be the total amount of the statement balance.For balances of £25 and over it will always be at least £25. No annual fee No balance transfer rate 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 2.99% within Europe / 2.99% rest of world	0.00%	12 months 3.00% or £3.00 fee	0.00%	3 months	15.9% APR Typical(Variable)	Contributions made to Rangers Club every time you make a card purchase.
	American Express® Platinum Spend & Earn - 5% Moneyback for your first 3 months, then up to 1.5%! more info American Express® Platinum Applicants must be over 18 years old Applicants must earn more than £30,000.00 a year No CCJs Permanent UK address Typical APR of 19.9% Minimum monthly payments of 10.00% or £50.00 No annual fee No balance transfer rate No balance transfer fee Cash withdrawal fee of 3.00% / Minimum £3.00 Credit limit: Max £25,000.00 Min £1,000.00 Late payment charge of £12.00 Foreign usage rates 2.99% within Europe / 2.99% rest of world	n/a	n/a	n/a	n/a	19.9% APR Typical(Variable)	Earn up to 5% Cashback. Good Credit Customers.
	American Express Rewards Credit Card more info American Express Rewards Credit Card Applicants must be over 18 years old Applicants must earn more than £30,000.00 a year Permanent UK address Typical APR of 17.9% Minimum monthly payments of 10.00% or £50.00 No annual fee Balance transfer rate of 17.90% PA for n/a Balance transfer fee of 3.00% Cash withdrawal fee of 3.00% / Minimum £3.00 Credit limit: Varies Min £1,000.00 Late payment charge of £12.00 Foreign usage rates 2.99% within Europe / 2.99% rest of world	17.90%	n/a 3.00% fee	0.00%	6 months	17.9% APR Typical(Variable)	Earn 3 points for every £1.00 spent at major UK supermarkets. Good Credit Customers.
	Dogs Trust Credit Card more info Dogs Trust Credit Card Applicants must be over 23 years old Applicants must earn more than £20,000.00 a year No CCJs Homeowner and UK resident for the past two years Typical APR of 15.9% Minimum monthly payments of 1.00% or £25.00 No annual fee No balance transfer rate 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 2.99% within Europe / 2.99% rest of world	0.00%	12 months 3.00% or £3.00 fee	0.00%	3 months	15.9% APR Typical(Variable)	Dogs Trust will receive willreceive 25p for every £100 you spend on card purchases. Good Credit Customers.
	The RSPCA Credit Card more info The RSPCA Credit Card Applicants must be over 23 years old Applicants must earn more than £20,000.00 a year No CCJs Homeowner and UK resident for the past two years Typical APR of 15.9% Minimum monthly payments of 1.00% or 25.00 No annual fee No balance transfer rate 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 2.99% within Europe / 2.99% rest of world	0.00%	12 months 3.00% or £3.00 fee	0.00%	3 months	15.9% APR Typical(Variable)	Donate £20 to the RSPCA the first time you use this card plus 25p every £100 spent on card purchases. Good Credit Customers.
	American Express Gold Credit Card Earn 1 point for virtually every £1 you spend.£95 Annual fee. more info American Express Gold Credit Card Applicants must be over 18 years old Applicants must earn more than £20,000.00 a year No CCJs UK resident Typical APR of 0.0% Minimum monthly payments of n/a or All the Balance Annual fee of £95.00 No balance transfer rate No balance transfer fee 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	n/a	n/a	n/a	n/a	0.0% APR Typical(Variable)	Earn Rewards points that you can redeem with some of the world's best travel partners. Good Credit Customers.
	BT Retail Card 0% rate offered on Balance Transfers made in the first 90 days. more info BT Retail Card Applicants must be over 23 years old Applicants must earn more than £20,000.00 a year No CCJs Homeowner and UK resident for the past two years Typical APR of 16.9% Minimum monthly payments of your balance if this is less than £25 or whichever is the greater of £25 or 1% of your statement balance before any default charges and interest. No annual fee No balance transfer rate Balance transfer fee of 2.00% or £3.00 Cash withdrawal fee of 3.00% / Minimum £3.00 Credit limit: Varies Late payment charge of £12.00 Foreign usage rates 2.99% within Europe / 2.99% rest of world	0.00%	6 months 2.00% or £3.00 fee	0.00%	10 months	16.9% APR Typical(Variable)	0% for 10 months on petrol & supermarket spend.Get money off your phone bill! Good Credit Customers.
	Virgin Atlantic White Card Earn 1 Flying Club Mile every £1 spent. more info Virgin Atlantic White Card Applicants must be over 18 years old UK resident. Typical APR of 17.9% Minimum monthly payments of your balance if this is less than £25 or whichever is the greater of £25 or 1% of your statement balance before any default charges and interest. No annual fee No balance transfer rate 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	0.00%	6 months 2.00% or £3.00 fee	17.90%	n/a	17.9% APR Typical(Variable)	Earn up to 3,000 Flying Club Miles with your first purchase. Ts&Cs apply.
	Virgin Atlantic Black Card Earn up to 2 points for every £1 spent. more info Virgin Atlantic Black Card Applicants must be over 18 years old UK residents only Typical APR of 37.1% Minimum monthly payments of n/a or Your balance (if this is less than £25); or whichever is the greater of: £25; or 1% of your statement balance before any default charges and interest . Annual fee of £115.00 No balance transfer rate 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	0.00%	6 months 2.00% or £3.00 fee	18.90%	n/a	37.1% APR Typical(Variable)	6,000 Flying Club miles with your first purchase.Ts&Cs apply.

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We present information which we obtain from independent sources and do not give financial advice. You should check rates and terms with the product provider.

* The calculations displayed are only a guide and may vary depending on your financial circumstances and the card provider. The balance transfer calculator is based upon a minimum monthly payment of 2.0% of the outstanding balance.

What is the calculator?

The calculator allows you to calculate both:

Interest and Charges: The potential annual interest you will incur for each card within your credit card selection on BeatThatQuote.com

Balance Transfer Savings: The savings you could potentially make if you were to transfer an existing credit card balance to a new card within your credit card selection on BeatThatQuote.com

How can I compare 2 or more credit cards?

Select the box to the left of the card logo within the table for the credit cards you wish to compare and click on ‘Compare’ at the top or bottom of the table. This will display a wider selection of card features for all the cards you have selected to compare and allow you to simply compare the card features. (maximum of 6 credit cards)

How can I filter my results?

If you are looking for a particular card feature e.g. 0% foreign usage charges, you can select ‘Advanced Search’ which will give you the option to tailor your search for the specific features you are interested in.

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 you're 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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