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Credit Cards		Balance transfers		Purchases		Typical APR (Variable)	Benefits
Credit Cards		Rate	Duration	Rate	Duration	Typical APR (Variable)	Benefits
	MBNA Platinum Rewards Visa 0% BT until Sept 2009 & 0% Purchases until Nov 2008 + 1 point for every £1! more info MBNA Platinum Rewards Visa Typical APR of 15.9% Minimum monthly payments of 3.0% or £25.00 No annual fee Balance transfer rate of 0.0% PA until 09/09 Balance transfer fee of 2.9% or £3.00 Cash withdrawal fee of 3.0% / Minimum £3.00 Credit limit: Max £50000.00/ Min £0.00 Late payment charge of £12.00 Foreign usage rates: 2.99% within Europe / 2.99% rest of world	0.0%	until 09/09	0.0%	until 11/08	15.9%	Instant decision online
	Barclaycard Platinum Cashback 4% cashback until 30/09/08, 0.5% thereafter on spending until 01/01/2010 more info Barclaycard Platinum Cashback Typical APR of 16.9% Minimum monthly payments of 2.25% or £5.00 No annual fee Balance transfer rate of 0.0% PA for 12 months Balance transfer fee of 2.5% or £6.25 Cash withdrawal fee of 2.5% / 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	0.0%	for 12 months	n/a	n/a	16.9%	As seen on TV: 6 months FREE Gadget Insurance!
	BA Amex® Card 1 BA Miles per £1, No Annual Fee. more info BA Amex® Card Typical APR of 17.9% Minimum monthly payments of 2.5% or £5.00 No annual fee No balance transfer rate No balance transfer fee Cash withdrawal fee of 3.0% / Minimum £3.00 Credit limit: Varies Min £700.00 Late payment charge of £10.00 Foreign usage rates: 2.73% within Europe / 2.73% rest of world	n/a	n/a	n/a	n/a	17.9%	Apply today and collect up to 1,000 bonus BA miles!
	BA Amex® Premium Plus 3 BA Miles per £2, £120 Annual Fee more info BA Amex® Premium Plus Typical APR of 43.5% Minimum monthly payments of 2.5% or £5.00 Annual fee of £150.00 No balance transfer rate No balance transfer fee Cash withdrawal fee of 3.0% / Minimum £3.00 Credit limit: Varies Min £1200.00 Late payment charge of £10.00 Foreign usage rates: 2.73% within Europe / 2.73% rest of world	n/a	n/a	n/a	n/a	43.5%	Apply today and collect up to 6,000 bonus BA
	WWF UK Visa 0% BT for 12 months, 0% purchase for 3 months. Best Charity Card of 2008! more info MBNA Europe Bank WWF UK Visa Typical APR of 15.9% Minimum monthly payments of 3.0% or £25.00 No annual fee Balance transfer rate of 0.0% PA for 12 months Balance transfer fee of 3.0% or £3.00 Cash withdrawal fee of 3.0% / Minimum £3.00 Credit limit: Max £50000.00/ Min £0.00 Late payment charge of £12.00 Foreign usage rates: 2.99% within Europe / 2.99% rest of world	0.0%	for 12 months	0.0%	for 3 months	15.9%	Contribution to WWF for all card purchases made
	SonyCard 0% BT for 12 months, 0% purchases for 3 months. more info SonyCard Typical APR of 15.9% Minimum monthly payments of 3.0% or £25.00 No annual fee Balance transfer rate of 0.0% PA for 12 months Balance transfer fee of 3.0% or £3.00 Cash withdrawal fee of 3.0% / Minimum £3.00 Credit limit: Max £50000.00/ Min £0.00 Late payment charge of £12.00 Foreign usage rates: 2.99% within Europe / 2.99% rest of world	0.0%	for 12 months	0.0%	for 3 months	15.9%	3000 Pulsebeats FREE/claim two Movie DVDs
	Thomas Cook Credit Card 0% Foreign Exchange fee!Up to 3 months 0% purchases at Thomas Cook. more info Thomas Cook Credit Card Typical APR of 17.9% Minimum monthly payments of 2.5% or £5.00 No annual fee Balance transfer rate of 0.0% PA for 9 months Balance transfer fee of 2.99% or £2.99 Cash withdrawal fee of 2.99% / Minimum £2.99 Credit limit: Max £50000.00/ Min £250.00 Late payment charge of £12.00 Foreign usage rates: 0.0% within Europe / 0.0% rest of world Applicants must be over 18 years old	0.0%	for 9 months	n/a	n/a	17.9%	Get a Thomas Cook holiday voucher worth £150! Ts&Cs apply.
	American Express® Platinum Spend & Earn - 5% Moneyback for your first 3 months, then up to 1.5%! more info American Express® Platinum Typical APR of 18.9% Minimum monthly payments of 2.5% or £5.00 No annual fee No balance transfer rate No balance transfer fee Cash withdrawal fee of 3.0% / Minimum £3.00 Credit limit: Max £25000.00/ Min £700.00 Late payment charge of £10.00 Foreign usage rates: 2.73% within Europe / 2.73% rest of world	n/a	n/a	n/a	n/a	18.9%	Earn up to 5% Cashback
	bmi American Express® Earn bmi miles & FREE Diamond Club Membership more info bmi American Express® Typical APR of 15.9% Minimum monthly payments of 3.0% or £25.00 No annual fee Balance transfer rate of 0.0% PA for 12 months Balance transfer fee of 3.0% or £3.00 Cash withdrawal fee of 3.0% / Minimum £3.00 Credit limit: Max £50000.00/ Min £0.00 Late payment charge of £12.00 Foreign usage rates: 2.75% within Europe / 2.75% rest of world Applicants must be over 18 years old	0.0%	for 12 months	0.0%	for 3 months	15.9%	Spend £250 & receive 20,000 destinations miles
	Virgin Atlantic White 1 mile for every full £1 you spend + 3,000 Flying Club miles free more info Virgin Atlantic White Typical APR of 17.9% Minimum monthly payments of 2.25% or £5.00 No annual fee Balance transfer rate of 0.0% PA for 6 months Balance transfer fee of 2.0% or £3.00 Cash withdrawal fee of 2.0% / Minimum £2.50 Credit limit: Varies Min £0.00 Late payment charge of £12.00 Foreign usage rates: 2.75% within Europe / 2.75% rest of world	0.0%	for 6 months	n/a	n/a	17.9%	Flying Club Miles + Travel Benefits
	Virgin Atlantic Black Earn 2 Flying Club miles for every full £1 you spend + 6,000 bonus miles free more info Virgin Atlantic Black Typical APR of 37.1% Minimum monthly payments of 2.25% or £5.00 Annual fee of £115.00 Balance transfer rate of 0.0% PA for 6 months Balance transfer fee of 2.0% or £3.00 Cash withdrawal fee of 2.0% / Minimum £2.50 Credit limit: Varies Min £0.00 Late payment charge of £12.00 Foreign usage rates: 2.75% within Europe / 2.75% rest of world	0.0%	for 6 months	n/a	n/a	37.1%	Flying Club Miles + Travel Benefits
	The GM Platinum MasterCard Save up to £2k on a New Vauxhall or £2,500 at Saab! more info The GM Platinum MasterCard Typical APR of 14.9% Minimum monthly payments of 2.0% or £5.00 No annual fee Balance transfer rate of 0.0% PA for 5 months Balance transfer fee of 2.0% or £5.00 Cash withdrawal fee of 2.5% / Minimum £3.00 Credit limit: Max £15000.00/ Min £0.00 Late payment charge of £12.00 Foreign usage rates: 2.75% within Europe / 2.75% rest of world	0.0%	for 5 months	0.0%	for 5 months	14.9%	Get £3 back every £100 you spend.
	Barclaycard Breathe MasterCard card donates 50% of profits to projects that tackle climate change more info Barclaycard Breathe MasterCard Typical APR of 14.9% Minimum monthly payments of 2.25% or £5.00 No annual fee Balance transfer rate of 0.0% PA for 12 months Balance transfer fee of 2.5% or £6.25 Cash withdrawal fee of 2.5% / 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	0.0%	for 12 months	n/a	n/a	14.9%	5.9% purchase rate on public transport
	Barclaycard One Pulse 6 months Purchases 0% on Purchases for 6 months. more info Barclaycard One Pulse 6 months Purchases Typical APR of 14.9% Minimum monthly payments of 2.25% or £5.00 No annual fee No balance transfer rate Balance transfer fee of 2.5% or £6.25 Cash withdrawal fee of 2.5% / 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	n/a	n/a	0.0%	for 6 months	14.9%	Credit Card and Oyster in one. Londoners only
	Virgin Credit Card 0% BT for 15 months, 0% on purchases for 3 months & awesome discounts! more info Virgin Credit Card Typical APR of 15.9% Minimum monthly payments of 3.0% or £25.00 No annual fee Balance transfer rate of 0.0% PA for 15 months Balance transfer fee of 2.98% or £3.00 Cash withdrawal fee of 3.0% / Minimum £3.00 Credit limit: Max £50000.00/ Min £0.00 Late payment charge of £12.00 Foreign usage rates: 2.99% within Europe / 2.99% rest of world Applicants must be over 18 years old	0.0%	for 15 months	0.0%	for 3 months	15.9%	First month off with Virgin Media and Virgin Active
	RSPCA Credit Card 0% BT for 12 months, 0% on Purchases for 3 months more info MBNA RSPCA Credit Card Typical APR of 15.9% Minimum monthly payments of 3.0% or £25.00 No annual fee No balance transfer rate Balance transfer fee of 3.0% or £3.00 Cash withdrawal fee of 3.0% / Minimum £3.00 Credit limit: Max £50000.00/ Min £0.00 Late payment charge of £15.00 Foreign usage rates: 2.99% within Europe / 2.99% rest of world Applicants must be over 18 years old	0.0%	for 12 months	0.0%	for 3 months	15.9%	£20 to RSPCA when you first spend on your card
	Post Office Platinum MasterCard 0% BT for 10 months and 0% on Purchases for 3 months more info Post Office Platinum MasterCard Typical APR of 15.9% Minimum monthly payments of 2.5% or £5.00 No annual fee Balance transfer rate of 0.0% PA for 10 months Balance transfer fee of 2.75% Cash withdrawal fee of 2.5% / Minimum £3.00 Credit limit: Varies Min £500.00 Late payment charge of £12.00 Foreign usage rates: 0.0% within Europe / 0.0% rest of world	0.0%	for 10 months	0.0%	for 3 months	15.9%	0% commission on purchases overseas
	BT Credit Card Get money off your phone bill every time you spend on your card more info BT Credit Card Typical APR of 16.9% Minimum monthly payments of 3.0% or £25.00 No annual fee Balance transfer rate of 0.0% PA for 12 months Balance transfer fee of 3.0% or £3.00 Cash withdrawal fee of 3.0% / Minimum £3.00 Credit limit: Max £50000.00/ Min £0.00 Late payment charge of £12.00 Foreign usage rates: 2.75% within Europe / 2.75% rest of world	0.0%	for 12 months	0.0%	for 3 months	16.9%	Get money off your phone bill!
	MBNA Rewards American Express® 0% BT for 12 months & 0% on card purchases for 3 months + rewards! more info MBNA Rewards American Express® Typical APR of 15.9% Minimum monthly payments of 3.0% or £25.00 No annual fee Balance transfer rate of 0.0% PA for 12 months Balance transfer fee of 3.0% or £3.00 Cash withdrawal fee of 3.0% / Minimum £3.00 Credit limit: Max £50000.00/ Min £0.00 Late payment charge of £12.00 Foreign usage rates: 2.75% within Europe / 2.75% rest of world	0.0%	for 12 months	0.0%	for 3 months	15.9%	Exclusive Cardmember and VIP travel services
	American Express® Nectar Card Earn 5000 Nectar Points if you spend £200 in the first 3 months! more info American Express® Nectar Credit Card Amex Typical APR of 18.9% Minimum monthly payments of 2.5% or £5.00 No annual fee No balance transfer rate No balance transfer fee Cash withdrawal fee of 3.0% / Minimum £3.00 Credit limit: Max £10000.00/ Min £700.00 Late payment charge of £10.00 Foreign usage rates: 2.73% within Europe / 2.73% rest of world	n/a	n/a	n/a	n/a	18.9%	Earn up to 4 points for every £1 spent

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 savings figures shown above are based on the total interest payments you would have to make if you kept your current credit card. It uses a decreasing balance method with an effective monthly interest rate calculated as Current APR divided by 12 and a one off balance transfer fee paid when the switch is made. We assume a minimum monthly repayment of 2% of the end of month balance. For each card, the savings are calculated over the individual balance transfer periods shown in the table

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