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Barclaycard Platinum 36 Month Balance Transfer Visa

market leading reduced fee offer limited offer 0% Balance Transfer No Annual Fee

Barclaycard Platinum 36 Month Balance Transfer Visa

Features
  • 60 days to transfer balance
  • Online account management, paper statements available on request
more info
18.9% APR
Representative (variable)
36
 months
0% interest on transfers
2.49%
Transfer fee
6
 months
0% interest on purchases
Apply
Will I get this card?
To get this card you must:
  • be a permanent UK resident
  • be 21 or older
  • have an income of £20,000 or more
  • have a good credit rating
  • no balance transfers from Barclays Bank PLC, Barclays Group companies, or Partnership credit cards
Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable).

aqua Classic Credit Card

Bad Credit Credit Building

aqua Classic Credit Card

Features
  • Unlimited access to your credit report
  • Those with past CCJs or defaults may be accepted
  • Designed to help build your credit rating
more info
29.7% APR
Representative (variable)
Apply
Will I get this card?
To get this card you must:
  • be 18 or older
  • have a permanent UK address
  • have a UK current bank or building society account
  • not be registered bankrupt in past 18 months or have proceedings
  • have no Country Court Judgements (past 12 months)
Representative example: When you spend £1,200 at a rate of 29.71% (variable) per annum, your representative APR is 29.7% APR (variable).

MBNA Platinum Credit Card Visa

2015 award winner
eligibility check reduced fee offer 0% Balance Transfer Money Transfer

MBNA Platinum Credit Card Visa

Features
  • 12 months 0% on money transfers made in the first 60 days (4% fee)
  • Pre-application eligibility technology protects your credit rating
  • Card offers contactless payment
more info
18.9% APR
Representative (variable)
35
 months
0% interest on transfers
2.69%
Transfer fee
Apply
Will I get this card?
To get this card you must:
  • be a permanent UK resident
  • be 18 or older
  • no balance transfers from MBNA or Fluid Money credit cards
Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable).

Nationwide Select Credit Card

2015 award winner
0% Balance Transfer 0% Purchase Cashback Travel

Nationwide Select Credit Card

Features
  • Nationwide current account customers only
  • 0.5% cashback on all sterling purchases
  • No foreign transaction fees
more info
15.9% APR
Representative (variable)
26
 months
0% interest on transfers
2.4%
Transfer fee
15
 months
0% interest on purchases
Apply
Will I get this card?
To get this card you must:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • have an income of £5,000 or more
  • be an existing Nationwide current account customer
  • no balance transfers from Nationwide credit cards
Representative example: When you spend £1,200 at a rate of 15.9% (variable) per annum, your representative APR is 15.9% APR (variable).

Ocean Credit Card MasterCard

most popular Bad Credit Credit Building

Ocean Credit Card MasterCard

Features
  • Manage your account online and with your phone
  • Apply and get a response in 60 seconds
  • Suitable for people looking to rebuild their credit profile
more info
34.9% APR
Representative (variable)
Apply
Will I get this card?
To get this card you must:
  • be 18 or older
  • be on the electoral roll
  • be able to show some history of managing credit
Representative example: When you spend £1,200 at a rate of 34.9% (variable) per annum, your representative APR is 34.9% APR (variable).

Santander 123 Credit Card MasterCard

0% Purchase Cashback 0% Balance Transfer

Santander 123 Credit Card MasterCard

Features
  • First year fee-free if you have or open a 123 Current Account. Otherwise £24 annual fee
  • Up to 3% cashback available
more info
16.5% APR
Representative (variable)
23
 months
0% interest on transfers
0.0%
Transfer fee
23
 months
0% interest on purchases
Apply
Will I get this card?
To get this card you must:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
Representative example: When you spend £1,200 at a rate of 12.7% (variable) per annum, with a £24 annual fee, your representative APR is 16.5% APR (variable).

Tesco Bank Clubcard Credit Card for 35m Balance Transfer

2015 award winner
0% Balance Transfer Reward Instant Decision

Tesco Bank Clubcard Credit Card for 35m Balance Transfer

Features
  • 1 Clubcard point for every £4 spent in Tesco
  • Online application decision in 60 seconds
more info
18.9% APR
Representative (variable)
35
 months
0% interest on transfers
2.7%
Transfer fee
3
 months
0% interest on purchases
Apply
Will I get this card?
To get this card you must:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • no balance transfers from Tesco Bank credit cards
Representative example: When you spend £1,200 at a rate of 18.941% (variable) per annum, your representative APR is 18.9% APR (variable).

Vanquis Bank Aquis Visa

Bad Credit Credit Building No Annual Fee

Vanquis Bank Aquis Visa

Features
  • Up to 56 days interest free on purchases
  • SMS and online account management
  • Designed to help build your credit rating*
more info
29.8% APR
Representative (variable)
Apply
Will I get this card?
To get this card you must:
  • be a permanent UK resident
  • be 18 or older
  • have had credit in the UK before
Representative example: When you spend £1,000 at a rate of 29.84% (variable) per annum, your representative APR is 29.8% APR (variable).

Black Diamond Credit Card by Vanquis

Bad Credit No Annual Fee

Black Diamond Credit Card by Vanquis

Features
  • Credit Limit increase possible after 5th statement, further increases every 5 months, up to £3,500*^
  • Designed to help build your credit rating*
  • Up to 56 days interest free credit on purchases
more info
59.9% APR
Representative (variable)
Apply
Will I get this card?
To get this card you must:
  • be a permanent UK resident
  • be 18 or older
  • have had credit in the UK before
Representative example: When you spend £250 at a rate of 59.94% (variable) per annum, your representative APR is 59.9% APR (variable).

Luma Purchase Card

new release Bad Credit Credit Building No Annual Fee

Luma Purchase Card

Features
  • Up to £1,500 credit limit
  • Application response in 60 seconds
  • Designed to help build your credit rating
more info
35.94% APR
Representative (variable)
3
 months
0% interest on purchases
Apply
Will I get this card?
To get this card you must:
  • be a permanent UK resident
  • be 18 or older
  • have had credit in the UK before
  • have had no bankruptcies in the past 12 months
Representative example: When you spend £1,200 at a rate of 35.94% (variable) per annum, your representative APR is 35.94% APR (variable).
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Frequently asked questions

How do I choose the right type of card?

Our tables let you compare across a range of different criteria, but the right card depends on what you want it for. If you have a good credit rating and pay your bills on time, then a cashback or rewards card will give you extras on your spending.

If on the other hand you have a poor credit file, or don’t have a history of borrowing, a credit-builder or bad credit card will be more suitable. Or, if you have an existing credit card debt it’s balance transfer you’re after.

What makes one card better than the other?

Again, it depends how you’re going to be using it. If you have a large debt already a balance transfer card is your best bet. You can then choose to pay 0% for a longer period of time – the balance transfer period – or for a shorter period, but with no transfer fee.

If on the other hand you’ll be using it for purchases and spending you might want a card offering 0% on new purchases, again, for the longest period. If on the other hand you may have some outstanding balance at the end of the month then a low APR card could be suitable.

I've heard APR is the best way to compare, is that true?

APR, or annual percentage rate, is a great basis of comparison. It takes the interest rate, adds in any fees, and averages it out over the year. That means the lower the APR, the lower the overall interest rate and fees will be and the less you’ll pay overall.

Having said that APR can be relatively unimportant. If you’re transferring an existing debt to a balance transfer card then you’ll get a long 0% interest period, so knowing the APR may be less important than knowing how long you’ll pay 0%.

What happens when I hit 'apply'

When you hit the apply button we will take you to a page with more details about the card, as well as a summary box, any terms and conditions, and anything else you may need to know before you get the card.

What does 'will I get this card' mean?

Our ‘Will I get this card’ button is there to help you decide whether the card is suitable for you. Most cards have a few minimum criteria you need to meet before getting the card, but it’s important to realise that even if you meet the criteria you may not get the card.

Why might I be rejected for a card?

One of the key factors determining whether you will be accepted for the advertised credit card is your credit history, otherwise known as your credit report or score. This gives the lender an indication of how likely you are to repay the debt on the card.

If they think you’re a bigger risk, you may be asked to pay a higher interest rate. You can read more about credit reports in our guide pages.

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