COMPATABILITY MODE

It looks like you are running Internet Explorer in compatability mode, please turn this off to benefit from all functionality on this website.

To do this, click the blue broken page icon in your browser address bar (example below).

compatability mode

JAVASCRIPT DISABLED

It looks like you aren't running java, please turn this on to get the best user experience

COOKIES & PRIVACY

We use cookies to give you the best experience on our website.

READ OUR PRIVACY POLICY

Credit cards

Originally marketed to the Great British public as "Your flexible friend" and as "Taking the waiting out of wanting". A credit card is definitely an essential part of modern day living, but is also something that needs to be handled with a degree of financial restraint.

There are two basic types of credit card user. A Full Payer, who pays every month, uses the card as a convenience, often earns airmiles or rewards or cashback, and rinses the full value out of the little piece of plastic.

Or an Extended Credit Taker, who can’t pay the full amount off in one go, and needs time to repay. With interest rates at around 18%, credit cards can be an expensive way of borrowing, but if you are clever you can use 0% balance transfer deals to make sure that most of your repayments are used to repay the borrowing rather than just pay the interest. Just remember to keep that balance transfer card solely for that purpose and not for further spending.

Always make sure you have at least two cards and that you review the interest rates payable regularly. Chances are that the cards in your wallet were obtained when your credit rating may not have been so good, and are therefore not the cheapest you are entitled to have.

If you know your credit rating, select it by hovering your mouse over the panel to the right and clicking on the appropriate rating. If you don’t know your credit rating, click the button to calculate it for free. This will match up your rating with lender appetite to give you the best chance of success with your application.

shadow

Lloyds Bank Platinum Low Rate Credit Card - 6.4% APR Representative Variable

APPLY TODAY
Find out more & apply online now
  • No Annual Fee
  • No Introductory Offer
  • Balance Transfers at 6.4% for (3% fee)
  • No Cashback or Rewards Offered
  • Recommended by 57% of customers surveyed

Michael

Credit Analyst

Lloyds Bank have introduced this credit card to offer customers a low rate of interest on both purchases and existing balances. This makes the card very geared towards those looking to buy on this card and continue to take advantage of Lloyds' lowest available APR, but it does also include an introductory balance transfer offer of no transfer fee for the first 3 months. Lloyds say that 51% of applicants will receive the best rate, with others receiving either 10.9% APR or 14.9% APR. This card is only available to new Lloyds Bank credit card customers so is not suitable for any existing customers.

shadow

Lloyds Bank Platinum Low Rate Credit Card REPRESENTATIVE EXAMPLE

Representative rate of 6.4% on purchases and balances transferred
Based on £1200 limit
Credit limits will vary based on your individual circumstances

Bank of Scotland Low Rate Credit Card - 6.4% APR Representative Variable

APPLY TODAY
Find out more & apply online now
  • No Annual Fee
  • No Introductory Offer
  • No Balance Transfer Offer
  • No Cashback or Rewards Offered
  • Recommended by 58% of customers surveyed

Ian

Ops Director

People use credit cards in different ways, with some customers wanting to purely take advantage of initial interest-free offers. Others want a reliable card that can be used all of the time and if you are looking for a card which offers a constant low rate for both purchases and balances, this sort of card is ideal. The majority of customers get a low rate of 6.4% APR, some 10% under many of the cards offering an opening incentive, so this card is great if you are looking to use it day-to-day. They also include no balance transfer fees for the first 3 months from opening, after this any transfer is subject to a 3% charge.

shadow

Bank of Scotland Low Rate Credit Card REPRESENTATIVE EXAMPLE

Representative rate of 6.4% on purchases and balances transferred
Based on £1200 limit
Credit limits will vary based on your individual circumstances

NatWest Clear Rate Platinum Credit Card - 11.1% APR Representative Variable

APPLY TODAY
Find out more & apply online now
  • Annual Fee of £24
  • No Introductory Offer
  • No Balance Transfer Offer
  • No Cashback or Rewards Offered
  • Recommended by 61% of customers surveyed

Chris

IT Director

This credit card is a great option if you are looking for a card with no introductory offers but a simple, low rate for both balance transfers and purchases of 6.9% variable. There are no balance transfer fees, with Natwest instead charging £24 a year, which works out at a representative 11.1% APR. If you don’t pay off your balance each month the low rates will benefit you and as with all credit cards, you get up to 56 days interest free on purchases if you pay your balance in full and on time each month. You need to earn at least £10,000 p.a. to qualify for the card but the APR offered can vary depending on your circumstances. Natwest offer the 6.9% rate to at least 51% of applicants but for some customers the rates could be either 11.9% or 14.9% p.a. (variable).

shadow

NatWest Clear Rate Platinum Credit Card REPRESENTATIVE EXAMPLE

Representative 11.1% APR (variable) subject to £24 annual fee
Both purchases and balance transfers 6.9% variable
Assumed credit limit £1,200

Barclaycard Platinum Low Rate Credit Card - 11.9% APR Representative Variable

APPLY TODAY
Find out more & apply online now
  • No Annual Fee
  • No Introductory Offer
  • No Balance Transfer Offer
  • No Cashback or Rewards Offered
  • Recommended by 66% of customers surveyed

Tom L

Credit Analyst

With credit cards increasingly becoming a part of our day-to-day lives, more and more low rate cards are coming onto the market. In an area of finance dominated in recent years by attention grabbing 0% offers on balance transfers and purchases, it is easy to forget that these offers generally tend to revert to much higher interest rates once they have ended. If you are looking for a credit card to use from one day to the next, with lower rates, this type of card is a much better bet. If you are paying interest on purchases or balances it isn't as high as some of the other cards on the market at the moment but still gives the flexibility of paying on credit if required. There is also no annual fee on this card, as many of the low rate cards do tend to have a fee attached to them.

shadow

Barclaycard Platinum Low Rate Credit Card REPRESENTATIVE EXAMPLE

11.9% on balance transfers and purchases
Assumed limit £1200

British Airways American Express Credit Card - 15.9% APR Representative Variable

APPLY TODAY
Find out more & apply online now
  • No Annual Fee
  • No Introductory Offer
  • No Balance Transfer Offer
  • 1 point for every £1 spent
  • Recommended by 89% of customers surveyed

Tom L

Credit Analyst

If you regularly travel, the British Airways American Express Credit Card could "turn your receipts into trips". You receive 9,000 Avios flight points to welcome you (T&Cs apply) and a range of benefits, including a companion voucher when you spend £20,000 and enrolment to the BA Executive Club. You earn points for every £1 you spend and unlike some of the other American Express cards, there is no annual fee. This kind of card doesn't have an introductory offer but it does have a cheaper than average 15.9% APR if you are looking to use it long term and take advantage of collecting points for free flights.

shadow

British Airways American Express Credit Card REPRESENTATIVE EXAMPLE

Representative 15.9% APR variable
Based on assumed limit of £1,200

Natwest Cashback Plus Credit Card - 17.4% APR Representative Variable

APPLY TODAY
Find out more & apply online now
  • Annual Fee of £24
  • No Introductory Offer
  • No Balance Transfer Offer
  • 1% cashback for every £1 spent
  • Recommended by 61% of customers surveyed

Tom L

Credit Analyst

The Natwest Cashback Plus card does exactly what it says on the tin - it provides users with cashback on lots of different types of shopping, including 1% on your weekly supermarket shop, at least 1% on affiliate retailers, 1% on contactless transactions and 0.5% on all other purchases at home and abroad. If you are looking to transfer balances you won't receive an interest free period but you also will not have to pay any fee (typically 1.5-3%). There is an annual fee to be aware of, which is £24, but if you are looking for an everyday cashback card that gives you some return on your monthly spend, this could be for you. For a limited time there is also 10% cashback available in UK bars and restaurants (1st April-30th June 2015).

shadow

Natwest Cashback Plus Credit Card REPRESENTATIVE EXAMPLE

Purchase rate 12.9%
Representative APR 17.4%
Assumed credit limit £1200
Annual fee £24

Post Office Platinum Credit Card - 17.8% APR Representative Variable

APPLY TODAY
Find out more & apply online now
  • No Annual Fee
  • Intro Offer of 3m at 0%
  • Balance Transfers at 0% for 18m (2.98% fee)
  • No Cashback or Rewards Offered
  • Not yet rated by our customers

Simon

Credit Analyst

This card from the Post Office is ideal for those going abroad often as there are no fees on any purchases made overseas. There are so many costs attached to using your credit or debit card whilst on holiday that this kind of card can prove to be a cost effective and safe way of spending abroad. There is also 18 months interest free on balance transfers and 3 months on purchases.

shadow

Post Office Platinum Credit Card REPRESENTATIVE EXAMPLE

17.8% APR on balance transfers and purchases
Based on £1200 credit limit

Amex Platinum Cashback - 18.7% APR Representative Variable

APPLY TODAY
Find out more & apply online now
  • Annual Fee of £25
  • No Introductory Offer
  • No Balance Transfer Offer
  • 5% cashback for every £1 spent, plus more
  • Recommended by 89% of customers surveyed

Simon

Credit Analyst

Don’t confuse this card with the very similar one that costs £450 a year to run, this card is just £25 a year and also gives a minimum cashback of 1.25% on all purchases (5% up to £125 for the first £2,500 of purchases in the first 3 months, and 2.5% for a month at every anniversary if you charge more than £10,001 to the card in the previous year). I have found the customer service level given by American Express to be exceptional – the company consistently comes out near the top of our annual surveys every year – if the card was accepted everywhere I’m sure it would be on top. The fantastic Global Assist gives unrivalled 24/7 help when abroad, there’s 90 day Refund and Purchase Protection thrown in, and some very limited travel insurance too. It’s surprising where you can use your Amex card and get cashback – Tesco for your shopping, filling stations, Starbucks and loads more. Cashback is paid once a year and you see how you’re doing on each statement. You don’t have to be rich to get this awesome piece of bling – a clean credit record and a minimum salary of £20k are two of the basic requirements. Exceptional service, valuable cashback.

shadow

Amex Platinum Cashback REPRESENTATIVE EXAMPLE

Representative 18.7% APR variable. Based on £25 annual fee, assumed borrowing of £1,200, rate of interest 14.0% per annum (variable).

Barclaycard Platinum 35m Balance Transfer card - 18.9% APR Representative Variable

APPLY TODAY
Find out more & apply online now
  • No Annual Fee
  • Intro Offer of 6m at 0%
  • Balance Transfers at 0% for 35m (2.69% fee)
  • No Cashback or Rewards Offered
  • Recommended by 66% of customers surveyed

Tom L

Credit Analyst

Barclaycard is one of the largest credit card companies in the UK. It has a history of many firsts in the market and its range of cards is awesome. If you don’t already have a Barclaycard, and if you have a large, long standing amount outstanding on another card, then this 35 month 0% balance transfer card could save you serious money. Every penny you pay to Barclaycard in the first 35 months – other than the fee of 2.69%– will be in repayment of your debt, instead of paying interest. The card technology, as Ali says, are market leading, and robust fraud protection is a given with all Barclaycards. Until May 4th, you will receive £15 cashback if you balance transfer £1,000 in first 60 days.

shadow

Barclaycard Platinum 35m Balance Transfer card REPRESENTATIVE EXAMPLE

Representative APR 18.9% APR (variable)
Purchase rate p.a. 18.9% p.a.
Assumed credit limit £1,200

Barclaycard 36m Platinum Balance Transfer card - 18.9% APR Representative Variable

APPLY TODAY
Find out more & apply online now
  • No Annual Fee
  • Intro Offer of 6m at 0%
  • Balance Transfers at 0% for 3yrs (2.99% fee)
  • No Cashback or Rewards Offered
  • Recommended by 66% of customers surveyed

Tom L

Credit Analyst

Barclaycard is one of the largest credit card companies in the UK. It has a history of many firsts in the market and its range of cards is awesome. If you don’t already have a Barclaycard, and if you have a large, long standing amount outstanding on another card, then this 36 month 0% balance transfer card could save you serious money. Every penny you pay to Barclaycard in the first 35 months – other than the fee of 2.99% (reduced from 3.5% via a refund) – will be in repayment of your debt, instead of paying interest. The card technology is market leading, and robust fraud protection is a given with all Barclaycards. Until May 4th, you will receive £15 cashback if you balance transfer £1,000 in first 60 days.

shadow

Barclaycard 36m Platinum Balance Transfer card REPRESENTATIVE EXAMPLE

Representative APR 18.9% APR (variable)
Purchase rate p.a. 18.9% p.a.
Assumed credit limit £1,200

Barclaycard 14m Purchase 23m Balance Transfer card - 18.9% APR Representative Variable

APPLY TODAY
Find out more & apply online now
  • No Annual Fee
  • Intro Offer of 14m at 0%
  • Balance Transfers at 0% for 23m (2.49% fee)
  • No Cashback or Rewards Offered
  • Recommended by 66% of customers surveyed

Arron

International Development Officer

After building my credit history using a higher interest rate card, I was keen to get a more mainstream product to make a couple of one off purchases. This Barclaycard really appealed due to the interest free period of 14 months for purchases - one of the longest grace periods offered in the current market. There was also the good interest free period on balance transfers if I needed it. The application process was straightforward and the card was received within a few working days. The account can be monitored easily online, and is automatically linked to other Barclays accounts when using the free to download iPad or Android apps. Statements can be delivered by post, email or online. Email alerts are also sent when a new statement is available to view on the account. An interest rate of 18.9% may not be the lowest, but unless you have an exceptional credit score, it is certainly acceptable. The card is recommended by 66% of our customers and it’s easy to see why.

shadow

Barclaycard 14m Purchase 23m Balance Transfer card REPRESENTATIVE EXAMPLE

Representative example:
Representative APR 18.9% APR (variable)
Purchase rate p.a. 18.9% p.a. (variable)
Assumed credit limit £1,200

Bank of Scotland 28m Balance Transfer 12m purchase - 18.9% APR Representative Variable

APPLY TODAY
Find out more & apply online now
  • No Annual Fee
  • Intro Offer of 1yr at 0%
  • Balance Transfers at 0% for 28m (1.5% fee)
  • No Cashback or Rewards Offered
  • Recommended by 58% of customers surveyed

Kelly

Marketing Executive

This credit card is Bank of Scotland’s 2nd longest balance transfer card, with 28 months at 0%. The transfer fee is just 1.5% in the first 90 days, and 3% thereafter. The card gives 12 months on purchases from the opening of the account, meaning that this card is perfect for anyone looking for a long balance transfer as well as a long period of 0% on purchases. With a typical starting credit limit of £1,200 and a representative APR of 18.9% this card is targeting the mainstream market and those with a good credit score.

shadow

Bank of Scotland 28m Balance Transfer 12m purchase REPRESENTATIVE EXAMPLE

Representative APR: 18.90%
Purchase Rate: 18.95%
Based on Borrowing: £1,200
Annual Fee: None

Halifax 35m Balance Transfer Card - 18.9% APR Representative Variable

APPLY TODAY
Find out more & apply online now
  • No Annual Fee
  • Intro Offer of 6m at 0%
  • Balance Transfers at 0% for 35m (2.7% fee)
  • No Cashback or Rewards Offered
  • Recommended by 57% of customers surveyed

Michael

Credit Analyst

Hot on the heels of the Barclays 34m transfer card this Halifax credit card is great for those looking to spread the cost of their existing debt with 0% on balance transfers for 35 months. For a 3% fee (0.3% refunded, so overall effective 2.7% fee is payable) you can transfer any balances within the first 90 days, as well as receiving 0% for the first 6 months on purchases, so its a great option for those looking for a long 0% deal. The best deal – which applies to at least 51% of applicants - is the 35/6 offer at 18.9%. This means you’ll have an offer of a 0% balance transfer for a 33 month term and 0% on purchases for a 6 month term. Or you might get a 35 months offer at 21.9%, or a 26/6 or 18/6 offer at 25.9% APR. It may seem a little over-complicated, but basically they’ll tell you what deal is on offer and you can then decide whether it’s the best fit for your financial needs.

shadow

Halifax 35m Balance Transfer Card REPRESENTATIVE EXAMPLE

Representative example: A purchase rate of 18.95% p.a. (variable) With a representative 18.9% APR (variable)
3% fee, 0.3% refunded, so overall effective 2.7% fee is payable
With an example credit limit of £1200
APR and Promotional periods may vary depending on your personal circumstances

Barclaycard Platinum 24m Balance Transfer card - 18.9% APR Representative Variable

APPLY TODAY
Find out more & apply online now
  • No Annual Fee
  • Intro Offer of 6m at 0%
  • Balance Transfers at 0% for 2yrs (1.15% fee)
  • No Cashback or Rewards Offered
  • Recommended by 66% of customers surveyed

Kelly

Marketing Executive

I’ve had a Barclaycard since university and have always found their offers straightforward and easy to understand. This card from Barclaycard offers a great 24 month balance transfer at a low 1.15% transfer fee (reduced from 2% via a refund). 6 months on purchases means that this is a very useable card for those looking for a cheaper balance transfer deal on a long 0% repayment offer. Barclaycard are also hot on fraud and whenever I’ve used my card after a period of non-use they will always phone me to check that it is a valid transaction.

shadow

Barclaycard Platinum 24m Balance Transfer card REPRESENTATIVE EXAMPLE

Representative APR 18.9% APR (variable)
Purchase rate p.a. 18.9% p.a.
Assumed credit limit £1,200

BoS 13m Balance Transfer/Purchase Credit Card - 18.9% APR Representative Variable

APPLY TODAY
Find out more & apply online now
  • No Annual Fee
  • Intro Offer of 13m at 0%
  • Balance Transfers at 0% for 13m (0% fee)
  • No Cashback or Rewards Offered
  • Recommended by 58% of customers surveyed

Tom L

Credit Analyst

The most attractive part of this credit card offering is the 0% (3% after 90 days) balance transfer fee for the first 90 days, which gives customers the opportunity to transfer for free. The card offers 13 months at 0% balance transfer and 13 months 0% on purchases. Bank of Scotland also cover against online fraud and your transactions are protected by Bank of Scotland Secure when you shop online with participating retailers.

shadow

BoS 13m Balance Transfer/Purchase Credit Card REPRESENTATIVE EXAMPLE

Representative APR: 18.90%
Purchase Rate: 18.95%
Based on Borrowing: £1,200
Annual Fee: None

Bank of Scotland 35m Balance Transfer card - 18.9% APR Representative Variable

APPLY TODAY
Find out more & apply online now
  • No Annual Fee
  • Intro Offer of 6m at 0%
  • Balance Transfers at 0% for 35m (3% fee)
  • No Cashback or Rewards Offered
  • Recommended by 58% of customers surveyed

Ian

Ops Director

Bank of Scotland's Platinum 35m balance transfer card is a great option for those looking for an extensive 0% period. The 3% fee is not as low as some of Bank of Scotland's other credit cards but this is based on the longer interest free period, which they know will appear to a lot of customers. The interest rate once the 0% period is over does vary, so it is worth checking this before applying.

shadow

Bank of Scotland 35m Balance Transfer card REPRESENTATIVE EXAMPLE

Representative APR: 18.90%
Purchase Rate: 18.95%
Based on Borrowing: £1,200

Halifax 28m Balance Transfer card - 18.9% APR Representative Variable

APPLY TODAY
Find out more & apply online now
  • No Annual Fee
  • Intro Offer of 1yr at 0%
  • Balance Transfers at 0% for 28m (1.5% fee)
  • No Cashback or Rewards Offered
  • Recommended by 58% of customers surveyed

Jasmin

Credit Analyst

Halifax tend to have a varying offer available to potential borrowers, so you won't know for sure what your credit card will provide until you receive it. 51% of borrowers get the best deal, which is 28m balance transfer and 12 months on purchases, both at 0% for this time. Others will receive balance transfers for between 15-21 months at 0%, with subsequent APR at 21.9-25.9%. The 1.5% fee for the first 90 days is good value compared with many other credit cards in its field.

shadow

Halifax 28m Balance Transfer card REPRESENTATIVE EXAMPLE

Representative example: A purchase rate of 18.95% p.a. (variable) With a representative 18.9% APR (variable) With an example credit limit of £1200
APR and Promotional periods may vary depending on your personal circumstances

Lloyds Bank 13m Balance Transfer/Purchase card - 18.9% APR Representative Variable

APPLY TODAY
Find out more & apply online now
  • No Annual Fee
  • Intro Offer of 13m at 0%
  • Balance Transfers at 0% for 13m (0% fee)
  • No Cashback or Rewards Offered
  • Recommended by 57% of customers surveyed

Kev

Credit Analyst

An increasing number of credit card providers are competing when it comes to balance transfer cards and several are now offering a free fee period, which when used on an existing balance can be a significant saving on some of the fee charging cards. This Lloyds card is one of the free fee balance transfer cards competing in this arena, with an attractive 0% for 13 months on transfers, as well as 13 months interest free on purchases. Borrowers also benefit from Lloyds Bank ClickSafe, which provides free protection when purchasing online.

shadow

Lloyds Bank 13m Balance Transfer/Purchase card REPRESENTATIVE EXAMPLE

Representative example: A purchase rate of 18.94% p.a. (variable) With a representative 18.9% APR (variable) With an example credit limit of £1200

Lloyds Bank Platinum 35m Balance Transfer card - 18.9% APR Representative Variable

APPLY TODAY
Find out more & apply online now
  • No Annual Fee
  • Intro Offer of 6m at 0%
  • Balance Transfers at 0% for 35m (3% fee)
  • No Cashback or Rewards Offered
  • Recommended by 57% of customers surveyed

Rebecca

Credit Analyst

Lloyds currently have their longest balance transfer card at a 3% transfer fee. Lloyds Bank do advise that 51% of customers will receive the best rate, others may receive lower balance transfer periods and higher APR rates after the initial interest free period. This tends to be confirmed once your application has been accepted.

shadow

Lloyds Bank Platinum 35m Balance Transfer card REPRESENTATIVE EXAMPLE

Representative example: A purchase rate of 18.94% p.a. (variable) With a representative 18.9% APR (variable) With an example credit limit of £1200

Lloyds Bank Platinum 18m Balance Transfer Card - 18.9% APR Representative Variable

APPLY TODAY
Find out more & apply online now
  • No Annual Fee
  • Intro Offer of 16m at 0%
  • Balance Transfers at 0% for 18m (1% fee)
  • No Cashback or Rewards Offered
  • Recommended by 57% of customers surveyed

Ben

Credit Analyst

This new credit card from Lloyds Bank is a card giving great introductory periods on both balance transfers and purchases, something that is not common in a market that tends to gear towards one or the other. A couple of cards are currently offering a great deal on both and this is definitely up there in terms of interest free periods. The 2% transfer fee is also fairly competitive in the market and Lloyds promise that at least 51% of customers will receive the best terms. If not, a rate of either 21.9% APR or 25.9% APR could be applied but all will offer the first 18 months on balances transferred at 0% and 16 months 0% on purchases.

shadow

Lloyds Bank Platinum 18m Balance Transfer Card REPRESENTATIVE EXAMPLE

Representative example: A purchase rate of 18.94% p.a. (variable) With a representative 18.9% APR (variable) With an example credit limit of £1200

M&S 19m Purchases 15m Balance Transfer Card - 18.9% APR Representative Variable

APPLY TODAY
Find out more & apply online now
  • No Annual Fee
  • Intro Offer of 19m at 0%
  • Balance Transfers at 0% for 15m (2.9% fee)
  • No Cashback or Rewards Offered
  • Recommended by 78% of customers surveyed

Ian

Ops Director

There is no doubt that Marks & Spencers will be hoping that brand loyal customers will search out their banking products and any associated offers. Their credit card is a very attractive prospect to those looking for a card offering a good balance transfer and purchases period, as well as collecting M&S points. You will earn M&S points every time you spend on your card and a bonus points voucher worth £5 is available when you spend in home, clothing or food at M&S.
There is also no cash advance fee (normally 2.99%) if you buy your travel money with M&S.

shadow

M&S 19m Purchases 15m Balance Transfer Card REPRESENTATIVE EXAMPLE

18.9% APR variable
Based on credit limit of £1200

Halifax 19m Balance Transfer 16m Purchase card - 18.9% APR Representative Variable

APPLY TODAY
Find out more & apply online now
  • No Annual Fee
  • Intro Offer of 16m at 0%
  • Balance Transfers at 0% for 19m (1% fee)
  • No Cashback or Rewards Offered
  • Recommended by 57% of customers surveyed

Kev

Credit Analyst

All credit card providers seem to be increasingly extending the range of cards available to consumers that give them different options when it comes to 0% periods. This card offers a long interest-free period on both balances and purchases, giving the customer more flexibility and time to pay off the balance. The card is based on the potential risk the customer is to the lender, so whilst you may be offered the best rate of 18.9%, you may be given either 21.9% or 25.9% APR. It's also worth noting that the balance transfer fee increases from 1% to 3% after the first 90 days, so it is cheaper to make transfers once you receive the card.

shadow

Halifax 19m Balance Transfer 16m Purchase card REPRESENTATIVE EXAMPLE

18.9% APR Representative
18.95% p.a.purchase rate
Typical credit limit £1200

Post Office Matched Credit Card - 18.9% APR Representative Variable

APPLY TODAY
Find out more & apply online now
  • No Annual Fee
  • Intro Offer of 16m at 0%
  • Balance Transfers at 0% for 16m (2.98% fee)
  • No Cashback or Rewards Offered
  • Not yet rated by our customers

Barry

Co-founder

The Post Office now have a number of very competitive credit card offers in place. One of the new cards is the Matched card, giving customers 16 months interest free on both purchases and balance transfers. In addition to this there is also no cash fee when you purchase Post Office Travel Money. Post Office do advise that you need to make repayments on time and stay within your credit limit to keep the promotional rates and we would always recommend doing this to ensure that you receive the best offers available in the future.

shadow

Post Office Matched Credit Card REPRESENTATIVE EXAMPLE

18.9% APR on purchases and balance transfers
Based on £1200 credit limit

Barclaycard Hilton HHonors Platinum credit card - 18.9% APR Representative Variable

APPLY TODAY
Find out more & apply online now
  • No Annual Fee
  • No Introductory Offer
  • Balance Transfers at 0% for 15m (2.99% fee)
  • No Cashback or Rewards Offered
  • Not yet rated by our customers

Ian

Ops Director

The Hilton HHonors credit card offers Barclaycard customers the chance to earn points on their Hilton Hotel stays, as well as a free night if they spend £750 on their card in the first 90 days. Try not to let the name of the card put you off; you also earn two points for every pound you spend on everyday purchases and will receive 15 months 0% on balance transfers, so this card also has benefits if you are not a regular Hilton customer.

shadow

Barclaycard Hilton HHonors Platinum credit card REPRESENTATIVE EXAMPLE

Representative APR 18.9%
Based on £1200 credit limit

Amex Platinum Cashback Everyday - 19.9% APR Representative Variable

APPLY TODAY
Find out more & apply online now
  • No Annual Fee
  • No Introductory Offer
  • No Balance Transfer Offer
  • 5% cashback for every £1 spent
  • Recommended by 89% of customers surveyed

Ben

Credit Analyst

American Express already has a winner with its American Platinum Cashback card – it’s one of the best cashback cards around – so why opt for the ‘Everyday’ card? What’s the difference? The answer lies firstly in the fees charged. This one is free. The other costs £25 per annum. The second difference is that after the initial 3 month offer, cashback on this card is tiered, whereas it is 1.25% for all levels of spend on the other card. On this card, cashback is calculated so you earn 0.5% on the first £3,500 of spending on the card, 1% on the next £4,000 and 1.25% on spending over £7,500. This means that the American Express Platinum Cashback card (with the £25 fee) is a better bet for most people. The Everyday card only comes into its own for those who spend £4,250 per annum or less. You also earn 5% cashback up to £100 in your first three months of card membership.

shadow

Amex Platinum Cashback Everyday REPRESENTATIVE EXAMPLE

Representative 19.9% APR variable.
Based on assumed credit limit of £1,200.
Interest rate for purchases 19.9% p.a. variable.

Barclaycard 24 Month Balance Transfer - 19.9% APR Representative Variable

APPLY TODAY
Find out more & apply online now
  • No Annual Fee
  • Intro Offer of 6m at 0%
  • Balance Transfers at 0% for 2yrs (1.15% fee)
  • No Cashback or Rewards Offered
  • Recommended by 61% of customers surveyed

Sam

International Development Officer

This card is ideal if you are looking to transfer a balance from another card provider and feel that you might need a bit more time to pay it off before the interest free period comes to an end. The reduction in the balance transfer fee from 2% to 1.15% is an added bonus. As with all Barclaycards the technology behind them is unrivalled – contactless payment capability, paperless statements, online account management are all standard.

shadow

Barclaycard 24 Month Balance Transfer REPRESENTATIVE EXAMPLE

Representative APR 19.9% APR (variable)
Purchase rate p.a. 19.9% p.a.
Assumed credit limit £1,200

Barclaycard Freedom Rewards Credit Card - 21.9% APR Representative Variable

APPLY TODAY
Find out more & apply online now
  • No Annual Fee
  • Intro Offer of 6m at 0%
  • Balance Transfers at 0% for 18m (2% fee)
  • 1 point for every £1 spent
  • Recommended by 61% of customers surveyed

Kirstie

Credit Analyst

If it's a card that gives you rewards that you are looking for, then this could be the one for you. You earn points wherever you shop, with double Freedom points on your UK supermarket, petrol station and all Transport for London (TfL) spend, plus triple points at selected Freedom partners - BHS, Bella Italia, Café Rouge, Goldsmiths and Strada (terms and conditions apply). This is a Visa card, which is more widely accepted than American Express, so the points could really stack up quickly and the 0% interest on balance transfers for the first 18 months and 0% on purchases for 6 months are another draw to this card.

shadow

Barclaycard Freedom Rewards Credit Card REPRESENTATIVE EXAMPLE

Representative APR 21.9% APR (variable)
Purchase rate p.a. 21.9% p.a.
Assumed credit limit £1,200

Lloyds Bank Choice Rewards Credit Card - 22.7% APR Representative Variable

APPLY TODAY
Find out more & apply online now
  • Annual Fee of £24
  • Intro Offer of 13m at 0%
  • Balance Transfers at 0% for 13m (3% fee)
  • 10 points for every £1 spent, plus more
  • Recommended by 57% of customers surveyed

Ali

Senior Developer

This credit card gives the customer the ability to collect points and rewards on their everyday spending, as well as offering a great 13 month 0% on both purchases and balance transfers. The Choice Rewards card allows you to collect points as you spend, giving you rewards such as cashback, shopping vouchers, magazines subscriptions and travel rewards. The card offered is either an American Express or a Mastercard, with either 10 Choice points for every £1 of eligible spend available on the American Express and 10 Choice points for every £5 of eligible spend on the Mastercard. The American Express card also gives you double points for the first 6 months of purchases. There is an annual fee of £24 for this card but it could be a good option for someone looking to earn extra on their every day purchases.

shadow

Lloyds Bank Choice Rewards Credit Card REPRESENTATIVE EXAMPLE

Representative APR: 22.7%
Purchase Rate: 17.95%
Based on Borrowing: £1,200
Annual fee of £24
Credit limits will vary based on your individual circumstances

Barclaycard 18m Balance Transfer Credit Card - 24.9% APR Representative Variable

APPLY TODAY
Find out more & apply online now
  • No Annual Fee
  • Intro Offer of 3m at 0%
  • Balance Transfers at 0% for 18m (2.9% fee)
  • No Cashback or Rewards Offered
  • Recommended by 66% of customers surveyed

Sam

International Development Officer

As one of the largest credit card providers in the UK there are many Barclaycard options available. 0% on balance transfers gives customers the chance to repay their outstanding balance within 18 months without paying any interest, as well as receiving 0% on purchases for 3 months. Once the 0% period is over the APR rate of 24.9% isn't the lowest available but if you are looking to take advantage of the balance transfer offer this card is a good option.

shadow

Barclaycard 18m Balance Transfer Credit Card REPRESENTATIVE EXAMPLE

Representative APR 24.9% APR (variable)
Purchase rate p.a. 24.9% p.a.
Assumed credit limit £1,200

aqua Credit Card - 29.7% APR Representative Variable

APPLY TODAY
Find out more & apply online now
  • No Annual Fee
  • No Introductory Offer
  • No Balance Transfer Offer
  • No Cashback or Rewards Offered
  • Recommended by 65% of customers surveyed

Kev

Credit Analyst

Here’s a sub-prime card from Progressive Credit, which has four cards on offer. This one has the cheapest APR. The interest rate is still high compared to mainstream cards, but is right on the money for a sub-prime card, as it reflects the risk. Aqua says it is happy to take on applications from the self-employed and from those who find it difficult to prove a regular income, are working part-time or on a low income, are at a new address or not on the electoral roll, or affected by a bad credit history, including County Court Judgments (CCJs). As with all sub-prime cards, best used to rebuild your credit history and not for extended borrowing. Launched in June 2012, Aqua cards have yet to be rated for customer service in our annual Banking and Credit Card surveys.

shadow

aqua Credit Card REPRESENTATIVE EXAMPLE

29.7% APR Representative Variable
29.71% p.a. Variable On Purchases
£250-£1200 Initial Credit Limit
Your actual credit limit will vary

Aquis Visa Credit Card - 29.8% APR Representative Variable

APPLY TODAY
Find out more & apply online now
  • No Annual Fee
  • No Introductory Offer
  • No Balance Transfer Offer
  • No Cashback or Rewards Offered
  • Recommended by 56% of customers surveyed

Rebecca

Credit Analyst

Another ‘sub-prime’ card from the Vanquis stable, Aquis is aimed at those with just a few issues on their credit history to regain access to a credit card. If you’ve got a very poor credit history, the Vanquis Visa card is a better bet, but the interest rate is higher on that to reflect the risk. The Aquis card on the other hand is around 10% cheaper. No frills or introductory offers, the main purpose of an Aquis card is to help your rebuild your credit reputation*. You could get a Credit Limit Increase after your 5th statement and further increases every 5 months, up to £3,500*^. To be considered for a credit limit increase, please keep all your credit agreements in order by paying on time, making use of your existing credit limit without going over your credit limit, and not taking on too much debt elsewhere. This is only a guide and meeting these criteria does not guarantee you a credit limit increase.Voted the winner in the Credit Today Awards as Credit Provider of the Year in 2009, 2010 and 2011, and also comes out well in our own Banking and Credit Card surveys for customer service - 56% rate its customer service as very good or excellent. The payment reminders by SMS is a useful service offered by this card.
^ Credit cards are not suitable for long-term borrowing or financing existing debt. Missing payments could have severe consequences and make obtaining credit more difficult.
* To build your credit rating and be considered for credit limit increases, use your card sensibly, stay within your credit limit and pay your monthly minimum payment on time. Not doing so could harm your credit rating and ability to obtain more credit. Please also keep your other accounts such as credit cards, loans, catalogues, mobile phone and mortgages in order and don't take on too much debt elsewhere. By using your credit limits and keeping your accounts in order, you demonstrate that you can manage your accounts well and can handle the monthly repayments. There are no guarantees, but if you follow these steps consistently every month, you should be on track to improving your credit history and building a strong credit rating.

shadow

Aquis Visa Credit Card REPRESENTATIVE EXAMPLE

Representative 29.8% APR (variable)
Credit is provided by Vanquis Bank Limited
Amount of credit £1000*^
Purchases 29.8% APR

Capital One Classic Platinum Credit Card - 29.84% APR Representative Variable

APPLY TODAY
Find out more & apply online now
  • No Annual Fee
  • No Introductory Offer
  • No Balance Transfer Offer
  • No Cashback or Rewards Offered
  • Recommended by 70% of customers surveyed

Kev

Credit Analyst

Capital One says the Classic Platinum card is aimed at people with a ‘bad credit history’, and they help you stay on top of your spending with email alerts. The limit is between £200-£1,500 and there are up to two optional credit limit increases per year, if you are eligible.

shadow

Capital One Classic Platinum Credit Card REPRESENTATIVE EXAMPLE

Assuming a credit limit of £200-£1,200 and an interest rate on purchases of 29.8% p.a. variable, you will receive a 29.8% APR representative variable.

Capital One Classic Credit Card - 34.9% APR Representative Variable

APPLY TODAY
Find out more & apply online now
  • No Annual Fee
  • No Introductory Offer
  • No Balance Transfer Offer
  • No Cashback or Rewards Offered
  • Recommended by 70% of customers surveyed

Ben

Credit Analyst

Capital One has built its name in the UK on its sub-prime cards and now offers a very wide range of products to suit those with no credit history to others with a perfect score. It’s the Classic card that it’s best known for. The Capital One Classic Card is by far the best seller for both Capital One, and within UK sub-prime cards. In our annual Banking and Credit Card Survey 66% of those who have the card voted it as providing very good or excellent customer service. It’s important to make sure, before you apply, that you’re on the electoral roll at your current address. Capital One accepts applicants from those with CCJs and poor credit histories, but not if you’ve been insolvent in the last 12 months. Credit limits start from £200 and are low. There are no frills, the interest rate is high, so only use this card for borrowing if you really have no other choice. The main purpose of this card is to help you to re-establish your credit standing – a job that we’ve seen Capital One do well since we first started out.

shadow

Capital One Classic Credit Card REPRESENTATIVE EXAMPLE

Assuming a credit limit of £1,200 and an interest rate on purchases of 34.94% p.a. variable, you will receive a 34.9% APR representative variable.

Barclaycard Initial Credit Card - 34.9% APR Representative Variable

APPLY TODAY
Find out more & apply online now
  • No Annual Fee
  • Intro Offer of 3m at 0%
  • No Balance Transfer Offer
  • No Cashback or Rewards Offered
  • Recommended by 66% of customers surveyed

Tom

Software Developer

This Barclaycard is aimed at those new to credit or looking to improve their credit rating and who are having difficulty getting credit. If you want to establish or improve your credit rating, and are happy with a smaller, manageable credit limit this card should be on your short list, as all the usual Barclaycard benefits are there including PayTag and contactless payment technology built into each card The interest rate is much higher than usual (but not for this type of card), which reflects the risk profile that Barclaycard Initial cardholders are expected to have. Your account will be reviewed within 12 months and your interest rate will be reduced and your line of credit may be increased if you always pay on time and stay within your credit limit. Purchases are 0% for 3 months as long as you make minimum payments on time and keep within your credit limit and there is a £15 cashback reward for good behaviour for a limited time.

shadow

Barclaycard Initial Credit Card REPRESENTATIVE EXAMPLE

Representative example:
Representative APR 34.9% APR (variable)
Purchase rate p.a. 34.9% p.a. (variable)
Assumed credit limit £1,200

aqua Advance Credit Card - 34.9% APR Representative Variable

APPLY TODAY
Find out more & apply online now
  • No Annual Fee
  • No Introductory Offer
  • No Balance Transfer Offer
  • No Cashback or Rewards Offered
  • Recommended by 62% of customers surveyed

Simon

Credit Analyst

The most expensive of the sub-prime cards on offer from Progressive Credit, but the only one that will automatically reduce the rates by 5% each year, for three years, if you keep payments up to date at all times. That provides a huge incentive to pay on time and rebuild your credit history. There are useful SMS payment reminders, and the Aqua Advance card is one of very few on the market that does not charge fees for foreign transactions – a potentially big saving for holidaymakers or when purchasing goods from abroad. Even if you have difficulty proving your income, or if you have a very poor credit history, such as CCJs on file, you may still be eligible for the Aqua Advance card. Launched in June 2012, 62% rate Aqua cards as excellent or very good for customer service in our Annual Banking and Credit Card surveys.

shadow

aqua Advance Credit Card REPRESENTATIVE EXAMPLE

Your interest rate for purchases is 34.91% p.a. (variable) With a representative 34.9% APR (variable) if you borrowed £1200 and repaid it over 12 months.
Initial credit limit £250-£1200

aqua Reward Credit Card - 34.9% APR Representative Variable

APPLY TODAY
Find out more & apply online now
  • No Annual Fee
  • No Introductory Offer
  • No Balance Transfer Offer
  • 0.5% cashback for every £1 spent
  • Recommended by 65% of customers surveyed

Richard

Marketing Director

This card not only offers consumers with a limited or poor credit history the chance to rebuild it with responsible lending, but also offers 0.5% cashback on all purchases. That may not sound much, but for a sub-prime card, it's a good offer. To put it into context, spend £1,000 a month on your card and it'll add up to £60 a year - just make sure you clear the balance each month so that you don't pay interest on it, as it's still a high 34.9%.

shadow

aqua Reward Credit Card REPRESENTATIVE EXAMPLE

Your interest rate for purchases is 34.91% p.a. (variable) with a representative 34.9% APR (variable) if you borrowed £1,200 and repaid it over 12 months.
Initial credit limit £250-£1200

Ocean Finance Credit Card - 34.9% APR Representative Variable

APPLY TODAY
Find out more & apply online now
  • No Annual Fee
  • No Introductory Offer
  • No Balance Transfer Offer
  • No Cashback or Rewards Offered
  • Not yet rated by our customers

Tom

Software Developer

Ocean try to make the application as simple as possible for this credit card, which is part of a growing 'sub prime' sector for those trying to rebuild their credit rating. The card is easy to use, with online access available and the ability to add up to three extra cardholders to the account. The credit limit offered can be between £200-£1500 and if you have any queries about your account Ocean pride themselves on their customer service.

shadow

Ocean Finance Credit Card REPRESENTATIVE EXAMPLE

Assuming a credit limit of £1,200 and an interest rate on purchases of 34.94% p.a. variable, you will receive a 34.9% APR representative variable
Issued by Capital One (Europe) plc

Luma Credit Card - 35.9% APR Representative Variable

APPLY TODAY
Find out more & apply online now
  • No Annual Fee
  • No Introductory Offer
  • No Balance Transfer Offer
  • No Cashback or Rewards Offered
  • Not yet rated by our customers

Michael

Credit Analyst

Launched in August 2012 by MI Money, this card is administered by Capital One on its behalf. The maximum credit limit is £1,500 and there are a number of special discount-type offers from Luma, which are also available on their website to non-cardholders. The main purpose of the Luma Card is to help those with poor or no credit history to regain a credit card, which can then help rebuild a better credit record. The interest rate is high but reflects the sub-prime target market it is targeting. The high interest rate means that this is not a card to borrow with – unless you have no other option. We have yet to obtain a customer service rating from our annual surveys but encouragingly we have not had any adverse feedback to date from our customers generally.

shadow

Luma Credit Card REPRESENTATIVE EXAMPLE

35.9% APR Representative Variable
35.9% p.a. Variable On Purchases
£1200 Credit Limit

Vanquis Visa Credit Card - 39.9% APR Representative Variable

APPLY TODAY
Find out more & apply online now
  • No Annual Fee
  • No Introductory Offer
  • No Balance Transfer Offer
  • No Cashback or Rewards Offered
  • Recommended by 60% of customers surveyed

Andrew

Quality Assurance

The main advantage of the Vanquis Card is that it enables those with very poor credit histories to get a credit card. Initial credit limits are low, from £150-£1,000. You could get a Credit Limit Increase after your 5th statement and further increases every 5 months, up to £3,500*^. To be considered for a credit limit increase, please keep all your credit agreements in order by paying on time, making use of your existing credit limit without going over your credit limit, and not taking on too much debt elsewhere. This is only a guide and meeting these criteria does not guarantee you a credit limit increase. The interest rate is high, reflecting the fact that Vanquis is a sub-prime lender and takes more risk than others. So while the card can be used for credit that should be as a last resort. There are no frills attached. This card is all about giving you the chance to re-establish your credit history*. Vanquis has been voted the winner in the Credit Today Awards as Credit Provider of the Year in 2009, 2010 and 2011. Our annual Banking and Credit Card Surveys show that Vanquis is pretty good at customer service too – 60% rated it as very good or excellent –and our own dealings with Vanquis over many years have shown them always to be very professional. Check out their comparatively cheaper Aquis card if you only have relatively few issues on your credit history.
^ Credit cards are not suitable for long-term borrowing or financing existing debt. Missing payments could have severe consequences and make obtaining credit more difficult.
* To build your credit rating and be considered for credit limit increases, use your card sensibly, stay within your credit limit and pay your monthly minimum payment on time. Not doing so could harm your credit rating and ability to obtain more credit. Please also keep your other accounts such as credit cards, loans, catalogues, mobile phone and mortgages in order and don't take on too much debt elsewhere. By using your credit limits and keeping your accounts in order, you demonstrate that you can manage your accounts well and can handle the monthly repayments. There are no guarantees, but if you follow these steps consistently every month, you should be on track to improving your credit history and building a strong credit rating.

shadow

Vanquis Visa Credit Card REPRESENTATIVE EXAMPLE

Representative 39.9% APR (variable)
Credit is provided by Vanquis Bank Limited
Amount of credit £150-£1000*^
Purchases 39.9% APR

Argos Credit Card - 39.9% APR Representative Variable

APPLY TODAY
Find out more & apply online now
  • No Annual Fee
  • No Introductory Offer
  • No Balance Transfer Offer
  • No Cashback or Rewards Offered
  • Recommended by 60% of customers surveyed

Rebecca

Credit Analyst

The Argos Credit Card is issued by Vanquis and is aimed at consumers with an impaired credit history* – the high interest rate reflects the risk it is happy to take on. An initial credit limit of £150- £1,000 is allocated. You could get a credit limit increase after your 5th statement and further increases every 5 months, up to £3,500*^. To be considered for a credit limit increase, please keep all your credit agreements in order by paying on time, making use of your existing credit limit without going over your credit limit, and not taking on too much debt elsewhere. This is only a guide and meeting these criteria does not guarantee you a credit limit increase. It’s important to note that the card can be used anywhere and not just in Argos. Also regular Argos money saving vouchers are issued which are exclusive to Argos cardholders. 60% of respondents to our Annual Banking and Credit Card Survey rank the card administrator – Vanquis – as giving excellent or very good service.
^ Credit cards are not suitable for long-term borrowing or financing existing debt. Missing payments could have severe consequences and make obtaining credit more difficult.
* To build your credit rating and be considered for credit limit increases, use your card sensibly, stay within your credit limit and pay your monthly minimum payment on time. Not doing so could harm your credit rating and ability to obtain more credit. Please also keep your other accounts such as credit cards, loans, catalogues, mobile phone and mortgages in order and don't take on too much debt elsewhere. By using your credit limits and keeping your accounts in order, you demonstrate that you can manage your accounts well and can handle the monthly repayments. There are no guarantees, but if you follow these steps consistently every month, you should be on track to improving your credit history and building a strong credit rating.

shadow

Argos Credit Card REPRESENTATIVE EXAMPLE

Purchase annual interest rate 39.94% (variable)
Amount of credit £1000*^
Representative 39.9% APR (variable)
Credit is provided by Vanquis Bank Limited

aqua Start Credit Card - 49.9% APR Representative Variable

APPLY TODAY
Find out more & apply online now
  • No Annual Fee
  • No Introductory Offer
  • No Balance Transfer Offer
  • No Cashback or Rewards Offered
  • Recommended by 62% of customers surveyed

Tom L

Credit Analyst

Here’s a sub-prime card from Progressive Credit, which has three cards on offer. The APR on this one, the ‘Start’ is high compared to mainstream cards, but is competitive for a sub-prime card, as it reflects the risk. Aqua says it is happy to take on applications from the self-employed and from those who find it difficult to prove a regular income, are working part-time or on a low income, are at a new address or not on the electoral roll, or affected by a bad credit history, including County Court Judgments (CCJs). As with all sub-prime cards, best used to rebuild your credit history and not for extended borrowing. Launched in June 2012, 62% rate Aqua cards as excellent or very good for customer service in our Annual Banking and Credit Card surveys.

shadow

aqua Start Credit Card REPRESENTATIVE EXAMPLE

49.9% APR Representative Variable
49.94% p.a. Variable On Purchases
£300 Initial Credit Limit
Your actual credit limit will vary

"Found the service very helpful and have the information I require"

Rachael B, Leeds

To Top