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Barclaycard Platinum 36 Month Balance Transfer Visa

market leading 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%
Representative (variable)
36
 months
0% interest on transfers
2.99%
Transfer fee
6
 months
0% interest on purchases
Apply
To get this card you must be a permanent UK resident, be 21 or older, have an income of £20,000 or more and have a good credit rating.
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%
Representative (variable)
Apply
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 and 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

eligibility check reduced fee offer 0% Balance Transfer Money Transfer

MBNA Platinum Credit Card Visa

Features
  • 20 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%
Representative (variable)
35
 months
0% interest on transfers
2.79%
Transfer fee
Apply
To get this card you must be a permanent UK resident and be 18 or older.
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

2014 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%
Representative (variable)
26
 months
0% interest on transfers
2.4%
Transfer fee
15
 months
0% interest on purchases
Apply
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 and be an existing Nationwide current account customer.
Representative example: When you spend £1,200 at a rate of 15.9% (variable) per annum, your representative APR is 15.9% APR (variable).

Sainsbury's Bank Nectar Balance Transfer Credit Card

0% Balance Transfer Reward No Annual Fee

Sainsbury's Bank Nectar Balance Transfer Credit Card

Features
  • 34 months 0% on balance transfers
  • Collect 2 Nectar points per £1 spent on Sainsbury's shopping and fuel
  • 2.89% transfer fee (first 3 months), 3% thereafter
more info
18.9%
Representative (variable)
34
 months
0% interest on transfers
2.89%
Transfer fee
6
 months
0% interest on purchases
Apply
To get this card you must be a permanent UK resident, be 18 or older, have a good credit rating, not have been declined for credit in the last month and not be an existing Sainsbury's Bank Credit Card holder.
Representative example: When you spend £1,200 at a rate of 18.95% (variable) per annum, your representative APR is 18.9% 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%
Representative (variable)
23
 months
0% interest on transfers
0.0%
Transfer fee
23
 months
0% interest on purchases
Apply
To get this card you must be a permanent UK resident, be 18 or older and 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 34m Balance Transfer

0% Balance Transfer Reward Instant Decision

Tesco Bank Clubcard Credit Card for 34m Balance Transfer

Features
  • Up to 5 Clubcard points for every £4 spent at Tesco
  • 1 Clubcard point for every £4 spent elsewhere
more info
18.9%
Representative (variable)
34
 months
0% interest on transfers
2.9%
Transfer fee
3
 months
0% interest on purchases
Apply
To get this card you must be a permanent UK resident, be 18 or older and have a good credit rating.
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

most popular 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%
Representative (variable)
Apply
To get this card you must be a permanent UK resident, be 18 or older and 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%
Representative (variable)
Apply
To get this card you must be a permanent UK resident, be 18 or older and 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).

aqua Start

Bad Credit Credit Building

aqua Start

Features
  • Text reminders to help you stay in control
  • Designed to help build your credit rating
  • Unlimited access to your credit report
more info
49.9%
Representative (variable)
Apply
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 and have no Country Court Judgements (past 12 months).
Representative example: When you spend £300 at a rate of 49.9% (variable) per annum, your representative APR is 49.9% 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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