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Intro Rate Cards

To rinse the most out of the deals on offer here and to save the most money, look for the longest 0% introductory period. Cards with good introductory offers are brilliant for unexpected costs such as car repairs, for funding or paying off overspending at Christmas, for paying for an engagement ring and suchlike, or for treats like holiday.

Intro rate cards effectively give you interest free credit. But try to repay the monies you spend within the interest free period if you can.

Intro rate cards are listed in order of introductory purchases offer - longest first.

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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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 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 (2.5% 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 2.5%. 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

Barclaycard 31 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 31m (1.45% 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 31 month 0% balance transfer card could save you serious money. Every penny you pay to Barclaycard in the first 31 months – other than the fee of 1.45% – 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 1.45%. Barclaycard will refund the difference within 28 days.

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Barclaycard 31 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

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

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

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

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)

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

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