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Credit Cards > All Cards

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 Sainsbury's Low Rate 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 6.9% (variable) Minimum monthly payments of 2.25% or £5.00 No annual fee 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 2.75% within Europe / 2.75% rest of world	Sainsbury's Low Rate Credit Card	N/A	N/A	6.9% APR Representative (Variable)	No balance transfer fees. Manage account online. Nectar card customers only. Good credit customers
Representative Example: If you borrow £1,200 at a rate of 6.95% p.a. (variable), you will pay 6.9% APR Representative (variable).
More info Barclaycard Platinum Simplicity Credit Card Applicants must be over 21 years old Applicants must earn more than £20,000 a year No CCJs or IVAs in the past 5 years, and no history of bankruptcy Permanent UK address for at least 3 months Representative APR of 7.9% (variable) Minimum monthly payments of 2.25% or £5.00 No annual fee 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	Barclaycard Platinum Simplicity Credit Card	N/A	N/A	7.9% APR Representative (Variable)	Contactless payment for purchases up to £15. Excellent credit customers
	Representative Example: If you borrow £1,200 at a rate of 7.9% p.a. (variable), you will pay 7.9% APR Representative (variable).
More info Capital One Click Credit 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 9.9% (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 £7,000.00 Min £2,000.00 Late payment charge of £12.00 Foreign usage rates 2.75% within Europe / 2.75% rest of world	Capital One Click Credit Card	N/A	N/A	9.9% APR Representative (Variable)	Designed for shopping online. Exclusive rewards. Enhanced security. Good credit customers
	Representative Example: If you borrow £1,200 at a rate of 9.94% p.a. (variable), you will pay 9.9% APR Representative (variable).
More info Lloyds TSB Advance Credit Card Applicants must be over 18 years old No CCJs and no bankruptcy in the last 6 years UK resident Representative APR of 11.9% (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: Varies Min £500.00 Late payment charge of £12.00 Foreign usage rates 2.95% within Europe / 2.95% rest of world	Lloyds TSB Advance Credit Card	N/A	6 months	11.9% APR Representative (Variable)	Cover against fraud when purchasing online. Apply online within minutes. Overseas emergency assistance. Good credit customers
	Representative Example: If you borrow £1,200 at a rate of 11.95% p.a. (variable), you will pay 11.9% APR Representative (variable).
More info Saga Platinum Credit Card Applicants must be over 50 years old Applicants must earn more than £12,000 a year No CCJs or IVAs Permanent UK address and bank account Representative APR of 11.9% (variable) Minimum monthly payments of 3% or £5.00 No annual fee Balance transfer fee of 3.00% Cash withdrawal fee of 2.00% / Minimum £2.00 Credit limit: Varies Min £500.00 Late payment charge of £10.00 Foreign usage rates 0.00% within Europe / 0.00% rest of world	Saga Platinum Credit Card	9 months3% fee	9 months	11.9% APR Representative (Variable)	For 50+ years of age. 0% foreign currency fee. Good credit customers
	Representative Example: If you borrow £1,200 at a rate of 11.3% p.a. (variable), you will pay 11.9% 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 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	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 Nationwide 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 15.9% (variable) Minimum monthly payments of 1% or £25.00 No annual fee Balance transfer fee of 2.95% 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 Credit Card	17 months2.95% or min £5.00 fee	3 months	15.9% APR Representative (Variable)	Earn commission-free purchases abroad based on UK spending. All purchases made in pounds count towards overseas spending allowance. Fraud protection guarantee. Good credit customers
	Representative Example: If you borrow £1,200 at a rate of 15.9% p.a. (variable), you will pay 15.9% 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 and 2,000 bonus Avios airmiles when you spend £500 per month for the first three months. 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 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 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	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 Bank of Scotland Plus Credit Card Applicants must be over 18 years old 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	Bank of Scotland Plus Credit Card	18 months3% or min £3.00 fee	3 months	16.9% APR Representative (Variable)	Instant decision online. No balance transfers from Halifax or Bank of Scotland cards. 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 17 month Balance Transfer Credit Card Applicants must be over 18 years old 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 17 month Balance Transfer Credit Card	17 months3% or min £3.00 fee	3 months	16.9% APR Representative (Variable)	Instant decision online. No balance transfers from Halifax or Bank of Scotland cards. 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 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 up to four points for every £1 spent in Sainsbury’s if you pay with Nectar Credit Card and swipe your Nectar card. 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 Sainsbury's 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 Credit Card	12 months3% or min £3.00 fee	12 months	16.9% APR Representative (Variable)	Nectar card holders only. 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 AA Credit Card Applicants must be over 18 years old 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 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	AA Credit Card	12 months3% or min £3.00 fee	10 months	16.9% APR Representative (Variable)	Earn AA reward points on all spending. Double points on fuel and motoring. Earn up to 4% back. 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 Tesco Clubcard Credit Card Applicants must be over 18 years old Applicants must earn more than £5,000 a year 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% 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	Tesco Clubcard Credit Card	9 months2.9% fee	15 months	16.9% APR Representative (Variable)	One Clubcard point for every £4 you spend and double points on petrol 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 HSBC Credit Card Applicants must be over 18 years old Applicants must earn more than £8,500 a year UK resident Representative APR of 17.9% (variable) Minimum monthly payments of 2.5% or £5.00 No annual fee Balance transfer fee of 3.30% or £5.00 Cash withdrawal fee of 2.99% / Minimum £3.00 Credit limit: Varies Min £500.00 Late payment charge of £12.00 Foreign usage rates 2.99% within Europe / 2.99% rest of world	HSBC Credit Card	23 months3.3% or min £5.00 fee	3 months	17.9% APR Representative (Variable)	Only available to existing HSBC current account customers. Offer ends 29 February. 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 Barclaycard Platinum Balance Transfer Applicants must be over 21 years old Applicants must earn more than £20,000 a year No CCJs or IVAs in the past 5 years, and no history of bankruptcy Permanent UK address for at least 3 months Representative APR of 17.9% (variable) Minimum monthly payments of 2.25% or £5.00 No annual fee 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	Barclaycard Platinum Balance Transfer	22 months2.9% fee	3 months	17.9% APR Representative (Variable)	Contactless payment for purchases up to £15. 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 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 Barclaycard Platinum 21 month Balance Transfer Applicants must be over 21 years old Applicants must earn more than £20,000 a year No CCJs or IVAs in the past 5 years, and no history of bankruptcy Permanent UK address for at least 3 months Representative APR of 17.9% (variable) Minimum monthly payments of 2.25% or £5.00 No annual fee 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	Barclaycard Platinum 21 month Balance Transfer	21 months2.9% fee	3 months	17.9% APR Representative (Variable)	Reduce fee from 2.9% to 2.6% with refund offer. 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 Halifax All In One Credit Card Applicants must be over 18 years old 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 3.00% 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 All In One Credit Card	15 months3% or min £3.00 fee	15 months	17.9% APR Representative (Variable)	Get deals and discounts on travel, entertainment and shopping. Benefit from cover against online fraud. APR representative and length of introductory offer may vary. 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 Lloyds TSB Platinum Credit Card Applicants must be over 18 years old No CCJs and no bankruptcy in the last 6 years UK resident Representative APR of 17.9% (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 Platinum Credit Card	15 months3% fee	3 months	17.9% APR Representative (Variable)	Cover against fraud when purchasing online. Apply online within minutes. Overseas emergency assistance. 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 Bank of Scotland All in One Advantage Card Applicants must be over 18 years old 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 3.00% 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	Bank of Scotland All in One Advantage Card	13 months3% or min £3.00 fee	13 months	17.9% APR Representative (Variable)	Only available to BoS current account holders. 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 Bank of Scotland All in One Credit Card Applicants must be over 18 years old 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 3.00% 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	Bank of Scotland All in One Credit Card	12 months3% or min £3.00 fee	12 months	17.9% APR Representative (Variable)	Choice of five card colours. 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 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 American Express Platinum Cashback Applicants must be over 18 years old Applicants must earn more than £20,000 a year No CCJs Permanent UK address and bank or building society account Representative APR of 18.5% (variable) Minimum monthly payments of 2% or £25.00 Annual fee of £25.00 No balance transfer fee Cash withdrawal fee of 3.00% / Minimum £3.00 Credit limit: Varies Min £700.00 Late payment charge of £12.00 Foreign usage rates 2.99% within Europe / 2.99% rest of world	American Express Platinum Cashback	N/A	N/A	18.5% APR Representative (Variable)	Earn 5% cashback in first three months on purchases up to £2,000. Thereafter, earn unlimited 1.25% cashback. Good credit customers
	Representative Example: If you borrow £1,200 at a rate of 14% p.a. (variable) with a £25 annual fee, you will pay 18.5% APR Representative (variable).
More info Barclaycard Platinum Balance Transfer Credit Card with Low Handling Fee Applicants must be over 21 years old Applicants must earn more than £20,000 a year No CCJs or IVAs in the past 5 years, and no history of bankruptcy Permanent UK address for at least 3 months Representative APR of 18.9% (variable) Minimum monthly payments of 2.25% or £5.00 No annual fee Balance transfer fee of 1.60% 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	Barclaycard Platinum Balance Transfer Credit Card with Low Handling Fee	16 months1.6% fee	3 months	18.9% APR Representative (Variable)	Reduce fee to 1.6% with refund offer. 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 Barclaycard Platinum Purchase Applicants must be over 21 years old Applicants must earn more than £20,000 a year No CCJs or IVAs in the past 5 years, and no history of bankruptcy Permanent UK address for at least 3 months Representative APR of 18.9% (variable) Minimum monthly payments of 2.25% or £5.00 No annual fee 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	Barclaycard Platinum Purchase	14 months2.9% fee	14 months	18.9% APR Representative (Variable)	Contactless payment for purchases up to £15. 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 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 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	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 Barclaycard Gold Credit Card Applicants must be over 21 years old Applicants must earn more than £17,500 a year No CCJs or IVAs in the past 5 years, and no history of bankruptcy Permanent UK address for at least 3 months Representative APR of 19.9% (variable) Minimum monthly payments of 2.25% or £5.00 No annual fee 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	Barclaycard Gold Credit Card	Until 09/122.5% fee	N/A	19.9% APR Representative (Variable)	Contactless payment for purchases up to £15. Fair credit customers
	Representative Example: If you borrow £1,200 at a rate of 19.9% p.a. (variable), you will pay 19.9% APR Representative (variable).
More info Capital One World MasterCard 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 World MasterCard	N/A	N/A	19.9% APR Representative (Variable)	Receive 5% cashback in the first three months up to £100. Thereafter earn up to 1.25% unlimited cashback. Identity theft protection. 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 British Airways American Express Credit Card Applicants must be over 18 years old Applicants must earn more than £30,000 a year No CCJs Permanent UK address and bank or building society account Representative APR of 19.9% (variable) Minimum monthly payments of 2% or £25.00 No annual fee No balance transfer fee Cash withdrawal fee of 3.00% / Minimum £3.00 Credit limit: Varies Min £700.00 Late payment charge of £12.00 Foreign usage rates 2.99% within Europe / 2.99% rest of world	British Airways American Express Credit Card	N/A	N/A	19.9% APR Representative (Variable)	Collect one Avios for virtually every pound you spend. Good credit customers
	Representative Example: If you borrow £1,200 at a rate of 19.9% p.a. (variable), you will pay 19.9% 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 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 and 10,000 bonus Avios airmiles when you spend £500 per month for the first three months. 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 Santander 123 Cashback 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 Cashback 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 applies. 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 Barclaycard Initial Credit Card Applicants must be over 18 years old Applicants must earn more than £10,000 a year No CCJs or IVAs in the past 5 years, and no history of bankruptcy On the electoral roll at your current address Representative APR of 29.9% (variable) Minimum monthly payments of 2.25% or £5.00 No annual fee 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	Barclaycard Initial Credit Card	N/A	N/A	29.9% APR Representative (Variable)	Credit limits starting from £250. Ideal for credit building profile
	Representative Example: If you borrow £1,200 at a rate of 29.9% p.a. (variable), you will pay 29.9% APR Representative (variable).
More info American Express The Starwood Preferred Guest Credit Card Applicants must be over 18 years old Applicants must earn more than £30,000 a year No CCJs Permanent UK address and bank or building society account Representative APR of 34.5% (variable) Minimum monthly payments of 2% or £25.00 Annual fee of £75.00 No balance transfer fee Cash withdrawal fee of 3.00% / Minimum £3.00 Credit limit: Varies Min £700.00 Late payment charge of £12.00 Foreign usage rates 2.99% within Europe / 2.99% rest of world	American Express The Starwood Preferred Guest Credit Card	N/A	N/A	34.5% APR Representative (Variable)	Receive 10,000 bonus Starpoints when you spend £1,000 within the first three months. Annual fee of £75. Good credit customers
	Representative Example: If you borrow £1,200 at a rate of 19.9% p.a. (variable) with a £75 annual fee, you will pay 34.5% APR Representative (variable).
More info Capital One Classic Visa Card Applicants must be over 18 years old Some history of managing credit even if it contains CCJs or defaults. No bankruptcy in past 12 months. UK resident and on the electoral roll Representative APR of 34.9% (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 £1,500.00 Min £200.00 Late payment charge of £12.00 Foreign usage rates 2.75% within Europe / 2.75% rest of world	Capital One Classic Visa Card	N/A	N/A	34.9% APR Representative (Variable)	Ideal for rebuilding credit profile
	Representative Example: If you borrow £1,200 at a rate of 34.94% p.a. (variable), you will pay 34.9% APR Representative (variable).
More info Aqua Credit Card Applicants must be over 18 years old UK resident Representative APR of 35.9% (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 £1,600.00 Late payment charge of £12.00 Foreign usage rates 2.95% within Europe / 2.95% rest of world	Aqua Credit Card	N/A	N/A	35.9% APR Representative (Variable)	Flexible payment dates. Ideal for improving credit profile
	Representative Example: If you borrow £1,200 at a rate of 35.95% p.a. (variable), you will pay 35.9% APR Representative (variable).
More info Vanquis Visa Credit Card Applicants must be over 18 years old No suspicion of fraud and no bankruptcy UK resident Representative APR of 39.9% (variable) Minimum monthly payments of 5% or £5.00 No annual fee No balance transfer fee Cash withdrawal fee of 3.00% / Minimum £3.00 Credit limit: Max £1,000.00 Min £150.00 Late payment charge of £12.00 Foreign usage rates 2.99% within Europe / 2.99% rest of world	Vanquis Visa Credit Card	N/A	N/A	39.9% APR Representative (Variable)	Ideal for rebuilding credit profile
	Representative Example: If you borrow £1,000 at a rate of 39.94% p.a. (variable), you will pay 39.9% 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 British Airways American Express Premium Plus Credit Card Applicants must be over 18 years old Applicants must earn more than £30,000 a year No CCJs Permanent UK address and bank or building society account Representative APR of 50.1% (variable) Minimum monthly payments of 2% or £25.00 Annual fee of £150.00 No balance transfer fee Cash withdrawal fee of 3.00% / Minimum £3.00 Credit limit: Varies Min £700.00 Late payment charge of £12.00 Foreign usage rates 2.99% within Europe / 2.99% rest of world	British Airways American Express Premium Plus Credit Card	N/A	N/A	50.1% APR Representative (Variable)	Collect 1.5 Avios for virtually every pound you spend. Good credit customers
	Representative Example: If you borrow £1,200 at a rate of 19.9% p.a. (variable) with a £150 annual fee, you will pay 50.1% APR Representative (variable).

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Please note the rates and products displayed are updated regularly. However, due to market fluctuations some details may be out of date. We do not take any responsibility for the accuracy of the information although we will always do our best to ensure the material is up to date. Please check rates with the provider before committing to a product. Remember, alternative deals may be available in the market.

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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