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Credit cards

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 repayments are used to repay capital rather than just pay the interest. Just remember to keep a balance transfer card solely for that purpose and not for further spending.

Always make sure 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.

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Barclaycard Low Rate Platinum Card - 6.9% 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 72% of customers surveyed

Looking for a low rate credit card? Look no further than the Low Rate Platinum card from Barclaycard. The card comes with a 6.9% interest rate on all purchases for the duration of the card. Enjoy a number of benefits, including a new exclusive Barclaycard offer with Uber - use Barclaycard to pay for your rides with Uber and for every 11th trip you make, up to £15 will be free. You will also benefit from free ongoing access to your Experian Credit Score. No balance transfer offer available on this card.

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Barclaycard Low Rate Platinum Card REPRESENTATIVE EXAMPLE

Representative APR 6.9% APR (variable)
Purchase rate 6.9% p.a. (variable)
Assumed credit limit £1,200

Santander Everyday Credit Card - 18.9% 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 27m (0% fee)
  • No Cashback or Rewards Offered
  • Recommended by 78% of customers surveyed

Whether you need a card for purchases or want to spread the cost of repaying your balances from other cards, the Everyday Credit Card can help. Spread the cost over 27 months with 0% interest. Benefit from paying no balance transfer fee and no monthly fee.

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Santander Everyday Credit Card REPRESENTATIVE EXAMPLE

Purchase rate 18.9% p.a. (variable)
Representative APR 18.9% (variable)
Assumed credit limit £1200
No annual fee

Santander Zero Credit Card - 18.9% 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 71% of customers surveyed

Ideal for when you need a credit card for occasional use whilst offering ongoing benefits. The Zero Credit Card is a great choice when travelling abroad as you don't get charged a foreign transaction fee on purchases made abroad.

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Santander Zero Credit Card REPRESENTATIVE EXAMPLE

Purchase rate 18.9% p.a. (variable)
Representative APR 18.9% (variable)
Assumed credit limit £1200
No annual fee

£20 cashback when you transfer a balance of £2000 or more within 60 days of opening your account. Offer ends 12 October 2018.

Barclaycard 33 month Balance Transfer card - 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 33m (1.95% fee)
  • No Cashback or Rewards Offered
  • Recommended by 72% of customers surveyed

Barclaycard is the largest credit card company in the World. 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 33 month 0% balance transfer card could save you serious money. Every penny you pay to Barclaycard in the first 33 months – other than the fee of 1.95% – 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. Customer service is good too - 72% of our customers rate Barclaycard as very good or excellent. A balance transfer fee of 3.5% will be applied to your account at first, but you'll only pay 1.95%. Barclaycard will refund the difference within 28 days.

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Barclaycard 33 month Balance Transfer card REPRESENTATIVE EXAMPLE

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

£20 cashback when you transfer a balance of £2000 or more within 60 days of opening your account. Offer ends 12 October 2018

Barclaycard 27m Purchase 27m Balance Transfer card - 19.9% APR Representative Variable

APPLY TODAY
Find out more & apply online now
  • No Annual Fee
  • Intro Offer of 27m at 0%
  • Balance Transfers at 0% for 27m (1.99% fee)
  • No Cashback or Rewards Offered
  • Recommended by 72% of customers surveyed

This Barclaycard offers an interest free period of 27 months for both purchases and for balance transfers. This makes it easy to use the card for everyday use after making a balance transfer, without fear of losing the benefit as can happen with other cards. 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.. Email alerts are also sent when a new statement is available to view on the account. An interest rate of 19.9% may not be the lowest, but unless you have an exceptional credit score, it is certainly acceptable. The card is recommended by 72% of our customers and it’s easy to see why. A balance transfer fee of 3.5% will be applied to your account at first, but you'll only pay 1.99%. Barclaycard will refund the difference within 28 days.

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Barclaycard 27m Purchase 27m Balance Transfer card REPRESENTATIVE EXAMPLE

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

M&S Credit Card - 19.9% APR Representative Variable

APPLY TODAY
Find out more & apply online now
  • No Annual Fee
  • Intro Offer of 25m at 0%
  • Balance Transfers at 0% for 25m (2.9% fee)
  • 1 point for every £1 spent
  • Recommended by 100% of customers surveyed

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, and you get a better exchange rate too.

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M&S Credit Card REPRESENTATIVE EXAMPLE

Purchase rate 19.9% variable
Representative 19.9% APR (variable)
Based on credit limit of £1200

Offer: £25 cashback between 10h September and 9th November 2018. Subject to terms and conditions.

HSBC 32m Balance Transfer Credit Card - 19.9% 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 32m (1.4% fee)
  • No Cashback or Rewards Offered
  • Recommended by 70% of customers surveyed

If you are looking for a card to transfer a balance, and you think it won't take too long to pay off, one of these lower fee cards might work well for you. You get a decent 32 months to pay it off, but with a lower fee of 1.4%, compared to some of the 39 or 40 month cards available. You'll also get 0% interest on your purchases for the first 3 months.

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HSBC 32m Balance Transfer Credit Card REPRESENTATIVE EXAMPLE

Representative 19.9% APR (variable)
Purchase rate 19.9% pa (variable)
Based on assumed credit limit of £1,200

M&S 32m Balance Transfer 6m Purchases Card - 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 32m (0.99% fee)
  • 1 point
  • Recommended by 100% of customers surveyed

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 offering 0% on balance transfers for 32 months with a small transfer fee of 0.99%. You will also benefit from paying no interest on purchases for 6 months, as well as collecting M&S points every time you shop. 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.

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M&S 32m Balance Transfer 6m Purchases Card REPRESENTATIVE EXAMPLE

Purchase rate 19.9% variable
Representative 19.9% APR (variable)
Based on credit limit of £1200

Santander All in One Card - 21.7% APR Representative Variable

APPLY TODAY
Find out more & apply online now
  • Annual Fee of £36
  • Intro Offer of 30m at 0%
  • Balance Transfers at 0% for 30m (0% fee)
  • 0.5% cashback for every £1 spent
  • Recommended by 71% of customers surveyed

The All in One Credit Card gives you cashback on all of your spending and saves you money when travelling as you don't get charged a foreign transaction fee on purchases made abroad. It's also a great way to save on interest repayments with 0% on balance transfers for 30 months and a 0% balance transfer fee. A £3 monthly fee applies. Receive 0.5% cashback on purchases and pay 0% on foreign transaction fees.

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Santander All in One Card REPRESENTATIVE EXAMPLE

Purchase rate 15.9% p.a. (variable)
Representative APR 21.7% (variable)
Assumed credit limit £1200
Monthly fee £3

Barclaycard Freedom Rewards Credit Card - 21.9% 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 1yr (0.15% fee)
  • 1 point for every £1 spent
  • Recommended by 72% of customers surveyed

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. 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 12 months and 0% on purchases for 12 months are another draw to this card. Barclaycard is the largest credit card issuer in the World and offers a wide range of options. Customer service is rated high by our customers - 72% say it is very good or excellent in our most recent annual survey.

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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

Offer: £25 cashback between 10h September and 9th November 2018. Subject to terms and conditions.

HSBC Dual Credit Card - 22.9% APR Representative Variable

APPLY TODAY
Find out more & apply online now
  • No Annual Fee
  • Intro Offer of 26m at 0%
  • Balance Transfers at 0% for 26m (2.89% fee)
  • No Cashback or Rewards Offered
  • Recommended by 70% of customers surveyed

Pay no interest for 26 months on both balance transfers and purchases made. To benefit from the 26 month interest free period on balance transfers, you will need to transfer a balance within 60 days of account opening. You will be charged a fee of 2.89% although this is still pretty decent considering you have up to 26 months to settle the balance.

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HSBC Dual Credit Card REPRESENTATIVE EXAMPLE

Representative 22.9% APR (variable)
Purchase rate 22.9% pa (variable)
Based on assumed credit limit of £1,200

NatWest Reward Credit Card - 23.7% 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 78% of customers surveyed

The NatWest Reward card does exactly what it says on the tin - it rewards users with cashback on lots of different types of shopping, including 1% on your weekly supermarket shop, at least 1% on affiliate MyRewards 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. You will receive a refund of the annual fee if you also have a Reward account (available to over 18’s and UK residents only. Monthly fee applies and additional criteria apply for Reward Black).

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NatWest Reward Credit Card REPRESENTATIVE EXAMPLE

Purchase rate 18.9% p.a. (variable)
Representative APR 23.7% (variable)
Assumed credit limit £1200
Annual fee £24

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 (2.99% fee)
  • No Cashback or Rewards Offered
  • Recommended by 72% of customers surveyed

As you might expect from the largest credit card issuer in the World, there are many different options available from Barclaycard. 0% on balance transfers gives customers the chance to repay outstanding balance within 18 months without paying any interest, as well as receiving 0% on purchases for 3 months which gives you the opportunity to consolidate sticky credit card debt elsewhere and make some further purchases before settling down to repay everything off within 18 months. Once the 0% period is over the APR rate of 24.9% isn't the lowest available but if an 18 month balance transfer offer matches your needs - then this card is the right choice. Credit limits are usually on the generous side, fraud prevention is top notch and 72% of our customers rate the customer service from Barclaycard as either very good or excellent.

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Barclaycard 18m Balance Transfer Credit Card REPRESENTATIVE EXAMPLE

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

Marbles 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
  • Not yet rated by our customers

You may remember the Marbles name from the mid-noughties - this card has been re-launched by NewDay, who provide other cards for those with some credit history issues.
The card starts with an easy-to-manage £100-£1200 credit limit - the limit is reviewed after 3 months and you could get an increase on your 4th statement. The benefits of this card are that you can find out if you'll be accepted before applying, thus avoiding any unnecessary credit searches on your credit report. The online account management is also good, allowing you to track your balance, set due date reminders and set spending alerts.

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Marbles Credit Card REPRESENTATIVE EXAMPLE

Representative 29.7% APR (variable)
based on maximum credit limit of £1,200
Representative Example: If you spend £1,200 at a purchase interest rate of 29.75% (variable) your representative APR will be 29.7% APR (variable)

Aquis Visa 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 72% of customers surveyed

Aquis is aimed at those with just a few issues on their credit history who want to get 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 become eligible for a credit limit increase after your 5th statement and further increases every 5 months, up to £4,000, but this is not guaranteed. Don't depend on credit cards for longer term debt, and be aware of the need to keep all other credit commitments up-to-date if you wish to be eligible for limit increases. Payment reminders by SMS is a useful service offered by the Aquis card. Voted the winner in the Credit Today Awards as Credit Card Provider of the Year in 2009, 2010, 2011 and 2012, and also comes out well in our own Banking and Credit Card surveys for customer service - 72% rate its customer service as very good or excellent. On the independent consumer review website Trustpilot, though not everyone is happy, Vanquis gets a 4 star rating which is a rare achievement.

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Aquis Visa Card REPRESENTATIVE EXAMPLE

Purchase annual interest rate 29.84% (variable)
Amount of credit £1000
Representative 29.8% APR (variable)

Barclaycard Initial 3m Purchases 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 72% of customers surveyed

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 standard Barclaycards (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 line of credit may be increased if you always pay on time and stay within your credit limit. 72% of respondents to our annual survey rate Barclaycard customer service as very good or excellent.

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Barclaycard Initial 3m Purchases 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

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
  • Recommended by 58% of customers surveyed

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.

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Luma Credit Card REPRESENTATIVE EXAMPLE

If you spend £1,200 at a purchase interest rate of 35.94% p.a. (variable) your representative APR will be 35.9% APR (variable)

Luma Purchase Credit Card - 35.9% 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 58% of customers surveyed

Luma's latest credit card allows customers up to 3 months interest free on their purchases, something rarely seen on credit building cards. With credit limits up to £1,500, customers can be accepted if they are new to credit, have some previous bad credit history or CCJs, so the card could be beneficial to someone that is looking for a short term loan to repay in a few month's time, as it'll be on an interest free basis. With the interest rates at 35.94% once the initial 3 months is over this could be an expensive way of borrowing, so we always recommend trying to pay balances back in full each month wherever possible. Additional cardholders can be added and you can manage the account online or with the app.

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Luma Purchase Credit Card REPRESENTATIVE EXAMPLE

If you spend £1,200 at a purchase interest rate of 35.94% p.a. (variable) your representative APR will be 35.9% APR (variable)

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 72% of customers surveyed

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. If you keep your credit record spotless - on this card and all others - you could become eligible for an increase in the credit limit after your 5th statement and further increases every 5 months, up to £4,000, though this is not guaranteed. The interest rate is high, reflecting the fact that Vanquis is a sub-prime lender and is prepared to take on more risk than others. So while the card can be used for credit that should be as a last resort. Think instead of using it to help build your credit history. There are no frills attached. Vanquis has been voted the winner in the Credit Today Awards as Credit Card Provider of the Year in 2009, 2010, 2011 and 2012. On the independent consumer review website Trustpilot, Vanquis gets a 4 star rating. Check out their comparatively cheaper Aquis card if you only have relatively few issues on your credit history.

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Vanquis Visa Credit Card REPRESENTATIVE EXAMPLE

Purchase annual interest rate 39.94% (variable)
Amount of credit £1000
Representative 39.9% APR (variable)

SafetyNet Credit - 68.7% 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
  • Not yet rated by our customers

SafetyNet Credit is a revolving credit product offering initial credit limits of between £100 - £500 this can increase up to £1000 based on ongoing customer affordability and repayment history. SafetyNet Credit works like a credit card, just without the actual card. Customers can draw down on the funds on their terms, using their credit limit manually to help with unexpected bills or expenses, or by linking SafetyNet Credit to their current account to enable auto-deposits and help with avoid unauthorised overdraft fees. SafetyNet Credit is given a 5 star rating on the independent consumer review site, TrustPilot.

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SafetyNet Credit REPRESENTATIVE EXAMPLE

Representative example:
Representative APR 68.7% APR (variable)
Purchase rate p.a. 68.7% p.a. (variable)
Assumed credit limit £500

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