Credit Cards

Our credit card comparison tool can help you find the best credit card for your needs.

Whether you're looking for a cashback, reward, 0% on purchases or balance transfer credit card, finding the right credit card with uSwitch is simple.

You can also compare the best credit cards to use abroad, cards with low APRs, and the top credit card deals for people with a bad credit history.

Compare cards

  • 16.8% APR

    Virgin Money Credit Card MasterCard Virgin Money

    • 0.0% balance transfer for 20 months (2.99% fee)
    • 0.0% on purchases for 3 months

    features

    • 0.0% balance transfer for 20 months (2.99% fee)
    • 0.0% on purchases for 3 months

    rates

    • Introductory rate 0.0% for 3 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Introductory rate 0.0% for 20 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Monthly rate 2.0751%, Yearly rate 27.9%

    eligibility

    • Is not available to existing customers
    • Minimum income of £0
    • 18 years minimum age
    • Is not available to applicants with County Court Judgements

    default charges

    • Exceeding personal limit subject to a handling fee of £12
    • Late payment subject to a handling fee of £12
    • Returned payment subject to a handling fee of £12

    charges

    • Interest fee on purchases: 0.0%
    • Cash withdrawal fee: 27.9% 1% of the statement balance before any default charges and interest after which default charges and interest will be added.
    • Repayment terms: If you do not pay your balance in full we will use your payments: 1) to reduce higher rate balances before lower rate balances If introductory rate balances are the same we will repay as follows: 1) if the promotional and standard interest rate match, we will use your payments against the promotional interest rate; then 2) if the expiry dates, and start dates are the same - the one with the highest standard rates; then 3) if the expiry dates are the same - the one which started first.

    Representative example: When you spend £1200 at a rate of 16.8% (variable) per annum, your Representative APR is 16.8% APR (variable).

  • 17.9% APR

    Halifax Balance Transfer Credit Card MasterCard Halifax

    • 0.0% balance transfer for 22 months (3.50% fee)
    • 0.0% on purchases for 3 months

    features

    • 0.0% balance transfer for 22 months (3.50% fee)
    • 0.0% on purchases for 3 months
    • Maximum Balance Transfer amount is £3,000

    rates

    • Introductory rate 0.0% for 3 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Introductory rate 0.0% for 22 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Monthly rate 2.075%, Yearly rate 27.95%

    eligibility

    • Is not available to existing customers
    • Minimum income of £20000
    • 18 years minimum age
    • Is not available to applicants with County Court Judgements

    default charges

    • Exceeding personal limit subject to a handling fee of £12
    • Late payment subject to a handling fee of £12
    • Returned payment subject to a handling fee of £12

    charges

    • Interest fee on purchases: 0.0%
    • Cash withdrawal fee: 27.95% Each month in which you have a balance outstanding on your account you must repay an amount equal to the total of any Credit Card Repayments Cover premiums, interest, default sums plus 1% of the balance shown on your statement (minimum £5, or the full balance if less than £5).
    • Repayment terms: We use any payments you make to pay off transactions that appear on your statements starting with those on which we charge interest at the highest rate. We will then pay off transactions on which we charge interest at the next highest rate and so on down to the lowest rate of interest. If the payment is not enough to pay off all transactions at a particular interest rate, we will pay off transactions charged at that interest rate in the order:- cash advances, cheques, purchases, balance transfers and default sums. If you pay more than the amount due shown on your statement, we will use any remaining payment to pay off transactions that have not yet appeared on your statement in the same order as those that do appear on your statement. In this condition, "transaction" includes the amount of the purchase, cash advance, cheque, default sum or balance transfer plus any interest, fees or insurance payment charged as a result of that transaction. For example, a cash advance fee is included as part of a cash transaction.

    Representative example: When you spend £1200 at a rate of 17.95% (variable) per annum, your Representative APR is 17.9% APR (variable).

  • 15.8% APR

    Virgin Money All Round Credit Card MasterCard Virgin Money

    • 0.0% balance transfer for 16 months (1.99% fee)
    • 0.0% on purchases for 6 months

    features

    • 0.0% balance transfer for 16 months (1.99% fee)
    • 0.0% on purchases for 6 months

    rates

    • Introductory rate 0.0% for 6 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Introductory rate 0.0% for 16 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Monthly rate 2.0751%, Yearly rate 27.9%

    eligibility

    • Is not available to existing customers
    • Minimum income of £0
    • 18 years minimum age
    • Is not available to applicants with County Court Judgements

    default charges

    • Exceeding personal limit subject to a handling fee of £12
    • Late payment subject to a handling fee of £12
    • Returned payment subject to a handling fee of £12

    charges

    • Interest fee on purchases: 0.0%
    • Cash withdrawal fee: 27.9% 1% of the statement balance before any default charges and interest after which default charges and interest will be added.
    • Repayment terms: If you do not pay your balance in full we will use your payments: 1) to reduce higher rate balances before lower rate balances If introductory rate balances are the same we will repay as follows: 1) if the promotional and standard interest rate match, we will use your payments against the promotional interest rate; then 2) if the expiry dates, and start dates are the same - the one with the highest standard rates; then 3) if the expiry dates are the same - the one which started first.

    Representative example: When you spend £1200 at a rate of 15.8% (variable) per annum, your Representative APR is 15.8% APR (variable).

  • 17.9% APR

    HSBC Existing C/Acc CC Visa HSBC

    • 0.0% balance transfer for 23 months (3.30% fee)
    • 0.0% on purchases for 3 months

    features

    • 0.0% balance transfer for 23 months (3.30% fee)
    • 0.0% on purchases for 3 months

    rates

    • Introductory rate 0.0% for 3 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Introductory rate 0.0% for 23 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Monthly rate 1.809%, Yearly rate 23.9%

    eligibility

    • Is available to existing customers
    • Minimum income of £0
    • 18 years minimum age
    • Is not available to applicants with County Court Judgements

    default charges

    • Exceeding personal limit subject to a handling fee of £12
    • Late payment subject to a handling fee of £12
    • Returned payment subject to a handling fee of £5

    charges

    • Interest fee on purchases: 0.0%
    • Cash withdrawal fee: 23.9% Interest, default charges and any payment protection insurance premium plus 1% of the principal, or 2.5% of the balance or £5 whichever is highest.
    • Repayment terms: Your payment is allocated to Cash Advances, then Purchases and standard rate Balance Transfers and lastly Promotional rate Purchase and Balance Transfers.

    Representative example: When you spend £1200 at a rate of 17.9% (variable) per annum, your Representative APR is 17.9% APR (variable).

  • 17.9% APR

    Barclaycard Platinum Extended Bal Transfer Visa Barclaycard

    • 0.0% balance transfer for 22 months (2.90% fee)
    • 0.0% on purchases for 3 months

    features

    • 0.0% balance transfer for 22 months (2.90% fee)
    • 0.0% on purchases for 3 months
    • fee from 2.9% With Barclaycard Freedom

    rates

    • Introductory rate 0.0% for 3 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Introductory rate 0.0% for 22 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Monthly rate 2.075%, Yearly rate 27.9%

    eligibility

    • Is not available to existing customers
    • Minimum income of £20000
    • 21 years minimum age
    • Is not available to applicants with County Court Judgements

    default charges

    • Exceeding personal limit subject to a handling fee of £12
    • Late payment subject to a handling fee of £12
    • Returned payment subject to a handling fee of £12

    charges

    • Interest fee on purchases: 0.0%
    • Cash withdrawal fee: 27.9% Or any interest, account fees and default charges that have been added to your account since your last statement plus 1% of the remaining balance.
    • Repayment terms: If you don’t pay your statement balance in full each month, we will apply the amount you do pay to reduce higher interest rate balances before lower interest rate balances. Any default charges will be repaid before the rest of the standard balance. If you have more than one promotional balance with the same interest rate, you’ll reduce the balance with the earliest expiry date first.

    Representative example: When you spend £1200 at a rate of 17.9% (variable) per annum, your Representative APR is 17.9% APR (variable).

  • 12.9% APR

    Nationwide BS Select Credit Card Visa Nationwide BS

    • 0.0% balance transfer for 17 months (2.95% fee)
    • 0.0% on purchases for 18 months

    features

    • 0.0% balance transfer for 17 months (2.95% fee)
    • 0.0% on purchases for 18 months
    • Rewards scheme providing savings on major brands including Holiday Inn, Wickes, Butlins, Urban Outfitters, Gourmet Society, Kwik Fit, aka Promotions (West End Theatre) and Virgin Holidays - these offers are reviewed on a regular basis.

    rates

    • Introductory rate 0.0% for 18 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Introductory rate 0.0% for 17 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Monthly rate 2.075%, Yearly rate 27.9%

    eligibility

    • Is available to existing customers
    • Minimum income of £5000
    • 18 years minimum age
    • Is not available to applicants with County Court Judgements

    default charges

    • Exceeding personal limit subject to a handling fee of £12
    • Late payment subject to a handling fee of £12
    • Returned payment subject to a handling fee of £12

    charges

    • Interest fee on purchases: 0.0%
    • Cash withdrawal fee: 27.9% 1% of the statement balance before any default charges and interest after which default charges and interest will be added.
    • Repayment terms: We will apply payments first to debts appearing on your statement in a high to low interest rate order, and then to any transactions that have not yet appeared on your statement, in the same high to low order. If you have more than one balance with the same interest rate we will reduce the balance with the earliest expiry date first.

    Representative example: When you spend £1200 at a rate of 12.9% (variable) per annum, your Representative APR is 12.9% APR (variable).

  • 15.9% APR

    Nationwide BS Credit Card Balance Transfer Visa Nationwide BS

    • 0.0% balance transfer for 17 months (2.95% fee)
    • 0.0% on purchases for 3 months

    features

    • 0.0% balance transfer for 17 months (2.95% fee)
    • 0.0% on purchases for 3 months
    • Customers will be able to earn commission-free purchases abroad by using their Credit Card each time they make a purchase in Sterling. The calculation will be based on a 5:1 ratio - for example, £5 spent in Sterling will earn an allowance of £1 commission free-purchases abroad. Purchases abroad beyond the earned amount will be charged 2% commission. Rewards scheme providing savings on major brands including Holiday Inn, Wickes, Butlins, Urban Outfitters, Gourmet Society, Kwik Fit, aka Promotions (West End Theatre) and Virgin Holidays - these offers are reviewed on a regular basis.

    rates

    • Introductory rate 0.0% for 3 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Introductory rate 0.0% for 17 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Monthly rate 2.075%, Yearly rate 27.9%

    eligibility

    • Is not available to existing customers
    • Minimum income of £5000
    • 18 years minimum age
    • Is not available to applicants with County Court Judgements

    default charges

    • Exceeding personal limit subject to a handling fee of £12
    • Late payment subject to a handling fee of £12
    • Returned payment subject to a handling fee of £12

    charges

    • Interest fee on purchases: 0.0%
    • Cash withdrawal fee: 27.9% 1% of the statement balance before any default charges and interest after which default charges and interest will be added.
    • Repayment terms: We will apply payments first to debts appearing on your statement in a high to low interest rate order, and then to any transactions that have not yet appeared on your statement, in the same high to low order. If you have more than one balance with the same interest rate we will reduce the balance with the earliest expiry date first.

    Representative example: When you spend £1200 at a rate of 15.9% (variable) per annum, your Representative APR is 15.9% APR (variable).

  • 34.9% APR

    Capital One Classic Visa Capital One

    features

    • High acceptance rate Low, easy-to-manage credit limit from £200 Get a decision online in 60 seconds Choose your own credit card design

    rates

    • Monthly rate 2.53%, Yearly rate 34.94%

    eligibility

    • Is not available to existing customers
    • Minimum income of £10000
    • 18 years minimum age
    • Is available to applicants with County Court Judgements

    default charges

    • Exceeding personal limit subject to a handling fee of £12
    • Late payment subject to a handling fee of £12
    • Returned payment subject to a handling fee of £12

    charges

    • Cash withdrawal fee: 34.94% The monthly payment is the full outstanding balance if it is less than £5, but other wise the greater of an amount equal to the total of 1% of the outstanding balance on the account; interest applied to the account in that month; all Default Sums incurred in that month; and one twelfth of the Annual Fee, or £5.
    • Repayment terms: Unless you pay the outstanding balance in full, we will allocate your payments to balances which attract the highest interest rate first. We will always allocate your payments to any amounts which have already appeared on a statement before allocating your payments to any amounts subsequently applied to your account.

    Representative example: When you spend £1200 at a rate of 34.94% (variable) per annum, your Representative APR is 34.9% APR (variable).

  • 16.9% APR

    Tesco Bank Clubcard Credit Card MasterCard Tesco Bank

    • 0.0% balance transfer for 9 months (2.90% fee)
    • 0.0% on purchases for 15 months

    features

    • 0.0% balance transfer for 9 months (2.90% fee)
    • 0.0% on purchases for 15 months
    • 1 point awarded per £4 spent in each purchase transaction (£4 min), plus additional points on Tesco spend. 1 point awarded per £1 spent on fuel at Tesco Petrol Filling Stations (excludes Esso Fuel) plus 1 extra point for every £4 spent. Must have available credit to earn points. Points are converted to Tesco vouchers or can be exchanged for Partner rewards to receive money off a variety of restaurants, entertainment or Avios points. Cardholders can take advantage of Tesco's exclusive Buy Now Pay Later offers through Tesco Direct, whereby upon purchasing selected items over £250 with the Tesco Credit Card there is the potential to receive 0% interest free for 6 months on that purchase.

    rates

    • Introductory rate 0.0% for 15 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Introductory rate 0.0% for 9 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Monthly rate 1.873%, Yearly rate 24.942%

    eligibility

    • Is not available to existing customers
    • Minimum income of £5000
    • 18 years minimum age
    • Is not available to applicants with County Court Judgements

    default charges

    • Exceeding personal limit subject to a handling fee of £12
    • Late payment subject to a handling fee of £12
    • Returned payment subject to a handling fee of £12

    charges

    • Interest fee on purchases: 0.0%
    • Cash withdrawal fee: 24.94% The greater of: the total interest & default fees charged + 1% of the new balance (excluding 'Tesco Buy Now Pay Later' special offers) + any arrears; or £25 plus any existing arrears; or the amount you owe over your credit limit including over limit fees.
    • Repayment terms: When you pay us we use it to pay off first those items which attract the highest interest rates. If there is more than one item at the same rate we pay off the oldest one first. If your account is in arrears, we will pay off the arrears on your account (starting with the oldest) before we put it towards the amount due from your most recent statement. If you have 'Buy Now Pay Later' special offer items, we will use your payments to pay these off after we have paid off everything else on your account. If your account is in arrears, we will pay off the arrears on your account (starting with the oldest) before we put it towards the amount due from your most recent statement.

    Representative example: When you spend £1200 at a rate of 16.95% (variable) per annum, your Representative APR is 16.9% APR (variable).

  • 18.5% APR

    American Express Platinum Cashback Card American Express

    features

    • The cashback rebate is not payable in respect of any month in which the minimum payment is not received by the due date.
    • Highest ongoing cashback rate than any other card* (*Ts&Cs apply) 5% cashback in the first 3 months up to £100 1.25% cashback on virtually everything you buy after 3 months Annual bonus rate of 2.5% for one month every anniversary Must have a household income of £20,000 Annual fee £25

    rates

    • Monthly rate 2.08%, Yearly rate 27.9%

    eligibility

    • Is not available to existing customers
    • Minimum income of £20000
    • 18 years minimum age
    • Is not available to applicants with County Court Judgements

    default charges

    • Exceeding personal limit subject to a handling fee of £12
    • Late payment subject to a handling fee of £12
    • Returned payment subject to a handling fee of £12

    charges

    • Cash withdrawal fee: 27.9%
    • Repayment terms: We will apply payments to balances bearing the highest interest rate first. In applying this principle, we will first apply payment to amounts that have appeared on your monthly statement, and we may secondly, apply payments to amounts that have not yet appeared on your monthly statement.

    Representative example: When you spend £1200 at a rate of 14.0% (variable) per annum, with a £25 annual fee, your Representative APR is 18.5% APR (variable).

  • 18.9% APR

    Virgin Money Purchase Credit Card MasterCard Virgin Money

    • 0.0% balance transfer for 13 months (2.89% fee)
    • 0.0% on purchases for 13 months

    features

    • 0.0% balance transfer for 13 months (2.89% fee)
    • 0.0% on purchases for 13 months
    • 10% of Virgin Holidays 1 month free at Virgin Active* up to 50 days interest free on your card purchases (as long as you pay your statement balance in full

    rates

    • Introductory rate 0.0% for 13 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Introductory rate 0.0% for 13 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Monthly rate 2.0751%, Yearly rate 27.9%

    eligibility

    • Is not available to existing customers
    • Minimum income of £0
    • 18 years minimum age
    • Is not available to applicants with County Court Judgements

    default charges

    • Exceeding personal limit subject to a handling fee of £12
    • Late payment subject to a handling fee of £12
    • Returned payment subject to a handling fee of £12

    charges

    • Interest fee on purchases: 0.0%
    • Cash withdrawal fee: 27.9% 1% of the statement balance before any default charges and interest after which default charges and interest will be added.
    • Repayment terms: If you do not pay your balance in full we will use your payments: 1) to reduce higher rate balances before lower rate balances If introductory rate balances are the same we will repay as follows: 1) if the promotional and standard interest rate match, we will use your payments against the promotional interest rate; then 2) if the expiry dates, and start dates are the same - the one with the highest standard rates; then 3) if the expiry dates are the same - the one which started first.

    Representative example: When you spend £1200 at a rate of 18.9% (variable) per annum, your Representative APR is 18.9% APR (variable).

  • 18.9% APR

    Barclaycard Platinum with Purchase Visa Barclaycard

    • 0.0% balance transfer for 14 months (2.90% fee)
    • 0.0% on purchases for 14 months

    features

    • 0.0% balance transfer for 14 months (2.90% fee)
    • 0.0% on purchases for 14 months

    rates

    • Introductory rate 0.0% for 14 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Introductory rate 0.0% for 14 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Monthly rate 2.075%, Yearly rate 27.9%

    eligibility

    • Is not available to existing customers
    • Minimum income of £20000
    • 21 years minimum age
    • Is not available to applicants with County Court Judgements

    default charges

    • Exceeding personal limit subject to a handling fee of £12
    • Late payment subject to a handling fee of £12
    • Returned payment subject to a handling fee of £12

    charges

    • Interest fee on purchases: 0.0%
    • Cash withdrawal fee: 27.9% Or any interest, account fees and default charges that have been added to your account since your last statement plus 1% of the remaining balance.
    • Repayment terms: If you don’t pay your statement balance in full each month, we will apply the amount you do pay to reduce higher interest rate balances before lower interest rate balances. Any default charges will be repaid before the rest of the standard balance. If you have more than one promotional balance with the same interest rate, you’ll reduce the balance with the earliest expiry date first.

    Representative example: When you spend £1200 at a rate of 18.9% (variable) per annum, your Representative APR is 18.9% APR (variable).

  • 17.9% APR

    NatWest Platinum Credit Card MasterCard NatWest

    • 0.0% balance transfer for 20 months (2.90% fee)
    • 0.0% on purchases for 6 months

    features

    • 0.0% balance transfer for 20 months (2.90% fee)
    • 0.0% on purchases for 6 months

    rates

    • Introductory rate 0.0% for 6 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Introductory rate 0.0% for 20 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Monthly rate 2.075%, Yearly rate 27.95%

    eligibility

    • Is not available to existing customers
    • Minimum income of £10000
    • 18 years minimum age
    • Is not available to applicants with County Court Judgements

    default charges

    • Exceeding personal limit subject to a handling fee of £12
    • Late payment subject to a handling fee of £12
    • Returned payment subject to a handling fee of £10

    charges

    • Interest fee on purchases: 0.0%
    • Cash withdrawal fee: 27.95% Your monthly minimum payment must be to an amount equal to the total of the interest, any late payment, over limit or returned payment charges, 1/12th of your annual fee (if applicable) and 1% of the balance shown in your statement (minimum £5, or the full balance if less than £5).
    • Repayment terms: If you do not pay off your balance in full, payments we receive will be allocated to pay the most expensive debt first.

    Representative example: When you spend £1200 at a rate of 17.95% (variable) per annum, your Representative APR is 17.9% APR (variable).

  • 17.9% APR

    Barclaycard Platinum Balance Transfer Visa Barclaycard

    • 0.0% balance transfer for 21 months (2.60% fee)
    • 0.0% on purchases for 3 months

    features

    • 0.0% balance transfer for 21 months (2.60% fee)
    • 0.0% on purchases for 3 months

    rates

    • Introductory rate 0.0% for 3 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Introductory rate 0.0% for 21 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Monthly rate 2.075%, Yearly rate 27.9%

    eligibility

    • Is not available to existing customers
    • Minimum income of £20000
    • 21 years minimum age
    • Is not available to applicants with County Court Judgements

    default charges

    • Exceeding personal limit subject to a handling fee of £12
    • Late payment subject to a handling fee of £12
    • Returned payment subject to a handling fee of £12

    charges

    • Interest fee on purchases: 0.0%
    • Cash withdrawal fee: 27.9% Or any interest, account fees and default charges that have been added to your account since your last statement plus 1% of the remaining balance.
    • Repayment terms: If you don’t pay your statement balance in full each month, we will apply the amount you do pay to reduce higher interest rate balances before lower interest rate balances. Any default charges will be repaid before the rest of the standard balance. If you have more than one promotional balance with the same interest rate, you’ll reduce the balance with the earliest expiry date first.

    Representative example: When you spend £1200 at a rate of 17.9% (variable) per annum, your Representative APR is 17.9% APR (variable).

  • 17.9% APR

    RBS Platinum Credit Card MasterCard Royal Bank of Scotland

    • 0.0% balance transfer for 20 months (2.90% fee)
    • 0.0% on purchases for 6 months

    features

    • 0.0% balance transfer for 20 months (2.90% fee)
    • 0.0% on purchases for 6 months

    rates

    • Introductory rate 0.0% for 6 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Introductory rate 0.0% for 20 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Monthly rate 2.075%, Yearly rate 27.95%

    eligibility

    • Is not available to existing customers
    • Minimum income of £10000
    • 18 years minimum age
    • Is not available to applicants with County Court Judgements

    default charges

    • Exceeding personal limit subject to a handling fee of £12
    • Late payment subject to a handling fee of £12
    • Returned payment subject to a handling fee of £10

    charges

    • Interest fee on purchases: 0.0%
    • Cash withdrawal fee: 27.95% Your monthly minimum payment must be to an amount equal to the total of the interest, any late payment, over limit or returned payment charges, 1/12th of your annual fee (if applicable) and 1% of the balance shown in your statement (minimum £5, or the full balance if less than £5).
    • Repayment terms: If you do not pay off your balance in full, payments we receive will be allocated to pay the most expensive debt first.

    Representative example: When you spend £1200 at a rate of 17.9% (variable) per annum, your Representative APR is 17.9% APR (variable).

  • 16.9% APR

    Sainsbury's Finance Credit Card Nectar Holders MasterCard Sainsbury's Finance

    • 0.0% balance transfer for 12 months (3.00% fee)
    • 0.0% on purchases for 12 months

    features

    • 0.0% balance transfer for 12 months (3.00% fee)
    • 0.0% on purchases for 12 months

    rates

    • Introductory rate 0.0% for 12 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Introductory rate 0.0% for 12 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Monthly rate 1.872%, Yearly rate 24.93%

    eligibility

    • Is not available to existing customers
    • Minimum income of £0
    • 18 years minimum age
    • Is not available to applicants with County Court Judgements

    default charges

    • Exceeding personal limit subject to a handling fee of £12
    • Late payment subject to a handling fee of £12
    • Returned payment subject to a handling fee of £12

    charges

    • Interest fee on purchases: 0.0%
    • Cash withdrawal fee: 24.93% Plus any amount over limit.
    • Repayment terms: We use any payments you make to pay off transactions that appear on your statements starting with those on which we charge interest at the highest rate. We will then pay off transactions on which we charge interest at the next highest rate and so on down to the lowest rate of interest. If the payment is not enough to pay off all transactions at a particular interest rate, we will pay off transactions charged at that interest rate in the order:- cash advances, cheques, purchases, balance transfers and default sums. If you pay more than the amount due shown on your statement, we will use any remaining payment to pay off transactions that have not yet appeared on your statement in the same order as those that do appear on your statement. In this condition, "transaction" includes the amount of the purchase, cash advance, cheque, default sum or balance transfer plus any interest fees or insurance payment charged as a result of that transaction.

    Representative example: When you spend £1200 at a rate of 16.94% (variable) per annum, your Representative APR is 16.9% APR (variable).

  • 16.9% APR

    Halifax 20 Month MasterCard Halifax

    • 0.0% balance transfer for 20 months (3.00% fee)
    • 0.0% on purchases for 3 months

    features

    • 0.0% balance transfer for 20 months (3.00% fee)
    • 0.0% on purchases for 3 months

    rates

    • Introductory rate 0.0% for 3 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Introductory rate 0.0% for 20 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Monthly rate 2.075%, Yearly rate 27.95%

    eligibility

    • Is not available to existing customers
    • Minimum income of £20000
    • 18 years minimum age
    • Is not available to applicants with County Court Judgements

    default charges

    • Exceeding personal limit subject to a handling fee of £12
    • Late payment subject to a handling fee of £12
    • Returned payment subject to a handling fee of £12

    charges

    • Interest fee on purchases: 0.0%
    • Cash withdrawal fee: 27.95% Each month in which you have a balance outstanding on your account you must repay an amount equal to the total of any Credit Card Repayments Cover premiums, interest, default sums plus 1% of the balance shown on your statement (minimum £5, or the full balance if less than £5).
    • Repayment terms: We use any payments you make to pay off transactions that appear on your statements starting with those on which we charge interest at the highest rate. We will then pay off transactions on which we charge interest at the next highest rate and so on down to the lowest rate of interest. If the payment is not enough to pay off all transactions at a particular interest rate, we will pay off transactions charged at that interest rate in the order:- cash advances, cheques, purchases, balance transfers and default sums. If you pay more than the amount due shown on your statement, we will use any remaining payment to pay off transactions that have not yet appeared on your statement in the same order as those that do appear on your statement. In this condition, "transaction" includes the amount of the purchase, cash advance, cheque, default sum or balance transfer plus any interest, fees or insurance payment charged as a result of that transaction. For example, a cash advance fee is included as part of a cash transaction.

    Representative example: When you spend £1200 at a rate of 16.94% (variable) per annum, your Representative APR is 16.9% APR (variable).

  • 16.9% APR

    Post Office Platinum MasterCard Post Office®

    • 0.0% balance transfer for 14 months (2.98% fee)
    • 0.0% on purchases for 3 months

    features

    • 0.0% balance transfer for 14 months (2.98% fee)
    • 0.0% on purchases for 3 months

    rates

    • Introductory rate 0.0% for 3 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Introductory rate 0.0% for 14 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Monthly rate 2.008%, Yearly rate 26.944%

    eligibility

    • Is not available to existing customers
    • Minimum income of £15000
    • 18 years minimum age
    • Is not available to applicants with County Court Judgements

    default charges

    • Exceeding personal limit subject to a handling fee of £12
    • Late payment subject to a handling fee of £12
    • Returned payment subject to a handling fee of £12

    charges

    • Interest fee on purchases: 0.0%
    • Cash withdrawal fee: 26.94% Or the full balance (if less than £5) OR 1% of the outstanding balance plus interest, plus fees, plus any insurance premium.
    • Repayment terms: Payments we receive will be applied by us against items charged to your account (which will include transactions, interest and any other fees and/or charges) in order of interest rate applicable, highest first.

    Representative example: When you spend £1200 at a rate of 16.9% (variable) per annum, your Representative APR is 16.9% APR (variable).

  • 17.9% APR

    Lloyds TSB Online Platinum MasterCard Lloyds TSB

    • 0.0% balance transfer for 15 months (3.00% fee)
    • 0.0% on purchases for 3 months

    features

    • 0.0% balance transfer for 15 months (3.00% fee)
    • 0.0% on purchases for 3 months
    • Up to 56 days’ interest-free period on purchases if you pay your balance in full and on time each month.

    rates

    • Introductory rate 0.0% for 3 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Introductory rate 0.0% for 15 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Monthly rate 2.075%, Yearly rate 27.9%

    eligibility

    • Is not available to existing customers
    • Minimum income of £15000
    • 18 years minimum age
    • Is not available to applicants with County Court Judgements

    default charges

    • Exceeding personal limit subject to a handling fee of £12
    • Late payment subject to a handling fee of £12
    • Returned payment subject to a handling fee of £12

    charges

    • Interest fee on purchases: 0.0%
    • Cash withdrawal fee: 27.9% Your monthly minimum payment must be to an amount equal to the total of the interest, any late payment, over limit or returned payment charges, 1/12th of your annual fee (if applicable) and 1% of the balance shown in your statement (minimum £5, or the full balance if less than £5).
    • Repayment terms: We use any payments you make to pay off Transactions that appear on your statement starting with those on which we charge the highest rate of interest, and so on down to the lowest rate of interest. If the payment is not enough to pay off all Transactions at a particular interest rate, we will pay off Transactions charged at the interest rate in the following order:- Cash Withdrawals, Purchases, Balance Transfers and Cheques, followed by charges. If you pay more than the amount due shown on your statement, we will use any remaining payment to pay off Transactions that have not yet appeared on your statement in the same order as those that do appear on your statement. In this condition, “Transaction” includes the amount of the Purchase, Cash Withdrawal, Cheque or Balance Transfer plus any interest, charges or insurance payment charged as a result of that Transaction. For example, a Cash Withdrawal charge is included as part of a Cash Withdrawal.

    Representative example: When you spend £1200 at a rate of 17.9% (variable) per annum, your Representative APR is 17.9% APR (variable).

  • 17.9% APR

    RBS YourPoints World MasterCard Royal Bank of Scotland

    • 0.0% balance transfer for 13 months (2.90% fee)
    • 0.0% on purchases for 13 months

    features

    • 0.0% balance transfer for 13 months (2.90% fee)
    • 0.0% on purchases for 13 months
    • Earn 1 point for every £1 spent on card. Points can be redeemed for a huge choice of rewards from flights and holidays, shopping vouchers, spa experiences and theatre nights. Customers will receive 2,500 bonus points shortly after receiving the card and each year thereafter.

    rates

    • Introductory rate 0.0% for 13 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Introductory rate 0.0% for 13 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Monthly rate 2.075%, Yearly rate 27.95%

    eligibility

    • Is available to existing customers
    • Minimum income of £10000
    • 18 years minimum age
    • Is not available to applicants with County Court Judgements

    default charges

    • Exceeding personal limit subject to a handling fee of £12
    • Late payment subject to a handling fee of £12
    • Returned payment subject to a handling fee of £10

    charges

    • Interest fee on purchases: 0.0%
    • Cash withdrawal fee: 27.95% Your monthly minimum payment must be to an amount equal to the total of the interest, any late payment, over limit or returned payment charges, 1/12th of your annual fee (if applicable) and 1% of the balance shown in your statement (minimum £5, or the full balance if less than £5).
    • Repayment terms: If you do not pay off your balance in full, payments we receive will be allocated to pay the most expensive debt first.

    Representative example: When you spend £1200 at a rate of 17.95% (variable) per annum, your Representative APR is 17.9% APR (variable).

  • 19.9% APR

    Capital One World MasterCard Capital One

    features

    • Earn 5% Cashback on your first £2,000 of purchases in the first 3 months and up to 1.25% unlimited cashback thereafter*

    rates

    • Monthly rate 1.53%, Yearly rate 19.94%

    eligibility

    • Is not available to existing customers
    • Minimum income of £20000
    • 21 years minimum age
    • Is not available to applicants with County Court Judgements

    default charges

    • Exceeding personal limit subject to a handling fee of £12
    • Late payment subject to a handling fee of £12
    • Returned payment subject to a handling fee of £12

    charges

    • Cash withdrawal fee: 19.94% The monthly payment is the full outstanding balance if it is less than £5, but other wise the greater of an amount equal to the total of 1% of the outstanding balance on the account; interest applied to the account in that month; all Default Sums incurred in that month; and one twelfth of the Annual Fee, or £5.
    • Repayment terms: Unless you pay the outstanding balance in full, we will allocate your payments to balances which attract the highest interest rate first. We will always allocate your payments to any amounts which have already appeared on a statement before allocating your payments to any amounts subsequently applied to your account.

    Representative example: When you spend £1200 at a rate of 19.94% (variable) per annum, your Representative APR is 19.9% APR (variable).

  • 18.9% APR

    Barclaycard Plat Bal Trf Low Handling Fee Visa Barclaycard

    • 0.0% balance transfer for 16 months (2.10% fee)
    • 0.0% on purchases for 3 months

    features

    • 0.0% balance transfer for 16 months (2.10% fee)
    • 0.0% on purchases for 3 months
    • Get a partial refund against the balance transfer fee of 0.5% down from 2.1% to 1.6%, when a transfer is made within 60 days of account opening (terms and conditions apply). The offer is valid for new customers applying for a Barclaycard and may be withdrawn at any time.

    rates

    • Introductory rate 0.0% for 3 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Introductory rate 0.0% for 16 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Monthly rate 2.075%, Yearly rate 27.9%

    eligibility

    • Is not available to existing customers
    • Minimum income of £20000
    • 21 years minimum age
    • Is not available to applicants with County Court Judgements

    default charges

    • Exceeding personal limit subject to a handling fee of £12
    • Late payment subject to a handling fee of £12
    • Returned payment subject to a handling fee of £12

    charges

    • Interest fee on purchases: 0.0%
    • Cash withdrawal fee: 27.9% Or any interest, account fees and default charges that have been added to your account since your last statement plus 1% of the remaining balance.
    • Repayment terms: If you don’t pay your statement balance in full each month, we will apply the amount you do pay to reduce higher interest rate balances before lower interest rate balances. Any default charges will be repaid before the rest of the standard balance. If you have more than one promotional balance with the same interest rate, you’ll reduce the balance with the earliest expiry date first.

    Representative example: When you spend £1200 at a rate of 18.9% (variable) per annum, your Representative APR is 18.9% APR (variable).

  • 22.8% APR

    Santander 123 Cashback Credit Card MasterCard Santander

    features

    • Earn cashback on your daily shopping, from your local Supermarket and petrol station to Harrods, John Lewis and Selfridges, Annual Fee of £24

    rates

    • Monthly rate 2.207%, Yearly rate 29.9%

    eligibility

    • Is not available to existing customers
    • Minimum income of £7500
    • 18 years minimum age
    • Is not available to applicants with County Court Judgements

    default charges

    • Exceeding personal limit subject to a handling fee of £12
    • Late payment subject to a handling fee of £12
    • Returned payment subject to a handling fee of £12

    charges

    • Cash withdrawal fee: 29.9% All fees, default charges, payment protection insurance premiums, interest plus 1% of the principal and the amount you have exceeded your credit limit (subject to a minimum £5).
    • Repayment terms: If you do not pay off your balance in full, payments we receive are applied to the highest interest bearing transactions first.

    Representative example: When you spend £1200 at a rate of 18.9% (variable) per annum, with a £24 annual fee, your Representative APR is 22.8% APR (variable).

  • 17.9% APR

    Halifax All in One MasterCard Halifax

    • 0.0% balance transfer for 15 months (3.00% fee)
    • 0.0% on purchases for 15 months

    features

    • 0.0% balance transfer for 15 months (3.00% fee)
    • 0.0% on purchases for 15 months
    • The APR and length of the promotional offer are dependent on your personal circumstances

    rates

    • Introductory rate 0.0% for 15 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Introductory rate 0.0% for 15 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Monthly rate 2.075%, Yearly rate 27.95%

    eligibility

    • Is not available to existing customers
    • Minimum income of £0
    • 18 years minimum age
    • Is not available to applicants with County Court Judgements

    default charges

    • Exceeding personal limit subject to a handling fee of £12
    • Late payment subject to a handling fee of £12
    • Returned payment subject to a handling fee of £12

    charges

    • Interest fee on purchases: 0.0%
    • Cash withdrawal fee: 27.95% Each month in which you have a balance outstanding on your account you must repay an amount equal to the total of any Credit Card Repayments Cover premiums, interest, default sums plus 1% of the balance shown on your statement (minimum £5, or the full balance if less than £5).
    • Repayment terms: We use any payments you make to pay off transactions that appear on your statements starting with those on which we charge interest at the highest rate. We will then pay off transactions on which we charge interest at the next highest rate and so on down to the lowest rate of interest. If the payment is not enough to pay off all transactions at a particular interest rate, we will pay off transactions charged at that interest rate in the order:- cash advances, cheques, purchases, balance transfers and default sums. If you pay more than the amount due shown on your statement, we will use any remaining payment to pay off transactions that have not yet appeared on your statement in the same order as those that do appear on your statement. In this condition, "transaction" includes the amount of the purchase, cash advance, cheque, default sum or balance transfer plus any interest, fees or insurance payment charged as a result of that transaction. For example, a cash advance fee is included as part of a cash transaction.

    Representative example: When you spend £1200 at a rate of 17.95% (variable) per annum, your Representative APR is 17.9% APR (variable).

  • 16.9% APR

    The AA Credit Card Visa AA

    • 0.0% balance transfer for 12 months (3.00% fee)
    • 0.0% on purchases for 10 months

    features

    • 0.0% balance transfer for 12 months (3.00% fee)
    • 0.0% on purchases for 10 months
    • Applies to eligible card purchases. Reward of 1 point for every full £2 spent, with 1 point for every £1 spent on Fuel, Motoring or AA product purchases. Reward points can be redeemed at any time on a range of products and services from AA, motoring and travel products, shopping vouchers and cash back. Points are worth more if redeemed on AA products. 2,000 points worth: £40 off AA Insurance or AA Breakdown Cover or £20 in shopping vouchers, motoring products or treats (days off, hampers, case of wine) or £10 cash back.

    rates

    • Introductory rate 0.0% for 10 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Introductory rate 0.0% for 12 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Monthly rate 2.0751%, Yearly rate 27.9%

    eligibility

    • Is not available to existing customers
    • Minimum income of £20000
    • 23 years minimum age
    • Is not available to applicants with County Court Judgements

    default charges

    • Exceeding personal limit subject to a handling fee of £12
    • Late payment subject to a handling fee of £12
    • Returned payment subject to a handling fee of £12

    charges

    • Interest fee on purchases: 0.0%
    • Cash withdrawal fee: 27.9% 1% of the statement balance before any default charges and interest after which default charges and interest will be added.
    • Repayment terms: If you do not pay your balance in full we will use your payments: to reduce higher rate balances before lower rate balances. If any transaction types have the same interest rate then we will repay: the introductory rate before the standard rate. If two or more introductory rates have the same interest rate then we will repay: the one with the earliest start date; if the start dates are the same then we will repay the one with the highest standard rate. Remaining balances will be paid off in this order: purchases, balance transfers, cash advances, money transfers.

    Representative example: When you spend £1200 at a rate of 16.9% (variable) per annum, your Representative APR is 16.9% APR (variable).

  • 16.9% APR

    Bank of Scotland Plus MasterCard Bank of Scotland

    • 0.0% balance transfer for 18 months (3.00% fee)
    • 0.0% on purchases for 3 months

    features

    • 0.0% balance transfer for 18 months (3.00% fee)
    • 0.0% on purchases for 3 months

    rates

    • Introductory rate 0.0% for 3 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Introductory rate 0.0% for 18 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Monthly rate 2.075%, Yearly rate 27.95%

    eligibility

    • Is not available to existing customers
    • Minimum income of £0
    • 18 years minimum age
    • Is not available to applicants with County Court Judgements

    default charges

    • Exceeding personal limit subject to a handling fee of £12
    • Late payment subject to a handling fee of £12
    • Returned payment subject to a handling fee of £12

    charges

    • Interest fee on purchases: 0.0%
    • Cash withdrawal fee: 27.95% Each month in which you have a balance outstanding on your account you must repay an amount equal to the total of any Credit Card Repayments Cover premiums, interest, default sums plus 1% of the balance shown on your statement (minimum £5, or the full balance if less than £5).
    • Repayment terms: We use any payments you make to pay off transactions that appear on your statements starting with those on which we charge interest at the highest rate. We will then pay off transactions on which we charge interest at the next highest rate and so on down to the lowest rate of interest. If the payment is not enough to pay off all transactions at a particular interest rate, we will pay off transactions charged at that interest rate in the order:- cash advances, cheques, purchases, balance transfers and default sums. If you pay more than the amount due shown on your statement, we will use any remaining payment to pay off transactions that have not yet appeared on your statement in the same order as those that do appear on your statement. In this condition, "transaction" includes the amount of the purchase, cash advance, cheque, default sum or balance transfer plus any interest, fees or insurance payment charged as a result of that transaction. For example, a cash advance fee is included as part of a cash transaction.

    Representative example: When you spend £1200 at a rate of 16.94% (variable) per annum, your Representative APR is 16.9% APR (variable).

  • 16.9% APR

    Halifax 17 Month MasterCard Halifax

    • 0.0% balance transfer for 17 months (3.00% fee)
    • 0.0% on purchases for 3 months

    features

    • 0.0% balance transfer for 17 months (3.00% fee)
    • 0.0% on purchases for 3 months

    rates

    • Introductory rate 0.0% for 3 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Introductory rate 0.0% for 17 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Monthly rate 2.075%, Yearly rate 27.95%

    eligibility

    • Is not available to existing customers
    • Minimum income of £0
    • 18 years minimum age
    • Is not available to applicants with County Court Judgements

    default charges

    • Exceeding personal limit subject to a handling fee of £12
    • Late payment subject to a handling fee of £12
    • Returned payment subject to a handling fee of £12

    charges

    • Interest fee on purchases: 0.0%
    • Cash withdrawal fee: 27.95% Each month in which you have a balance outstanding on your account you must repay an amount equal to the total of any Credit Card Repayments Cover premiums, interest, default sums plus 1% of the balance shown on your statement (minimum £5, or the full balance if less than £5).
    • Repayment terms: We use any payments you make to pay off transactions that appear on your statements starting with those on which we charge interest at the highest rate. We will then pay off transactions on which we charge interest at the next highest rate and so on down to the lowest rate of interest. If the payment is not enough to pay off all transactions at a particular interest rate, we will pay off transactions charged at that interest rate in the order:- cash advances, cheques, purchases, balance transfers and default sums. If you pay more than the amount due shown on your statement, we will use any remaining payment to pay off transactions that have not yet appeared on your statement in the same order as those that do appear on your statement. In this condition, "transaction" includes the amount of the purchase, cash advance, cheque, default sum or balance transfer plus any interest, fees or insurance payment charged as a result of that transaction. For example, a cash advance fee is included as part of a cash transaction.

    Representative example: When you spend £1200 at a rate of 16.94% (variable) per annum, your Representative APR is 16.9% APR (variable).

  • 6.9% APR

    Sainsbury's Finance Low Rate Credit Card MasterCard Sainsbury's Finance

    features

    • 6.95% on purchases and balance transfers No fees on balance transfers No Nectar points on purchases or balance transfers

    rates

    • Monthly rate 1.872%, Yearly rate 24.93%

    eligibility

    • Is not available to existing customers
    • Minimum income of £0
    • 18 years minimum age
    • Is not available to applicants with County Court Judgements

    default charges

    • Exceeding personal limit subject to a handling fee of £12
    • Late payment subject to a handling fee of £12
    • Returned payment subject to a handling fee of £12

    charges

    • Cash withdrawal fee: 24.93% Credit Card Repayments Cover premiums, interest, default sums, plus 1% of the balance shown on statement, or 2.25% of the balance, or £5, plus any amount owed that is more than the credit limit.
    • Repayment terms: We use any payments you make to pay off transactions that appear on your statements starting with those on which we charge interest at the highest rate. We will then pay off transactions on which we charge interest at the next highest rate and so on down to the lowest rate of interest. If the payment is not enough to pay off all transactions at a particular interest rate, we will pay off transactions charged at that interest rate in the order:- cash advances, cheques, purchases, balance transfers and default sums. If you pay more than the amount due shown on your statement, we will use any remaining payment to pay off transactions that have not yet appeared on your statement in the same order as those that do appear on your statement. In this condition, "transaction" includes the amount of the purchase, cash advance, cheque, default sum or balance transfer plus any interest fees or insurance payment charged as a result of that transaction.

    Representative example: When you spend £1200 at a rate of 6.95% (variable) per annum, your Representative APR is 6.9% APR (variable).

  • 17.9% APR

    Bank of Scotland All in One MasterCard Bank of Scotland

    • 0.0% balance transfer for 12 months (3.00% fee)
    • 0.0% on purchases for 12 months

    features

    • 0.0% balance transfer for 12 months (3.00% fee)
    • 0.0% on purchases for 12 months

    rates

    • Introductory rate 0.0% for 12 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Introductory rate 0.0% for 12 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Monthly rate 2.075%, Yearly rate 27.95%

    eligibility

    • Is not available to existing customers
    • Minimum income of £0
    • 18 years minimum age
    • Is not available to applicants with County Court Judgements

    default charges

    • Exceeding personal limit subject to a handling fee of £12
    • Late payment subject to a handling fee of £12
    • Returned payment subject to a handling fee of £12

    charges

    • Interest fee on purchases: 0.0%
    • Cash withdrawal fee: 27.95% Each month in which you have a balance outstanding on your account you must repay an amount equal to the total of any Credit Card Repayments Cover premiums, interest, default sums plus 1% of the balance shown on your statement (minimum £5, or the full balance if less than £5).
    • Repayment terms: We use any payments you make to pay off transactions that appear on your statements starting with those on which we charge interest at the highest rate. We will then pay off transactions on which we charge interest at the next highest rate and so on down to the lowest rate of interest. If the payment is not enough to pay off all transactions at a particular interest rate, we will pay off transactions charged at that interest rate in the order:- cash advances, cheques, purchases, balance transfers and default sums. If you pay more than the amount due shown on your statement, we will use any remaining payment to pay off transactions that have not yet appeared on your statement in the same order as those that do appear on your statement. In this condition, "transaction" includes the amount of the purchase, cash advance, cheque, default sum or balance transfer plus any interest, fees or insurance payment charged as a result of that transaction. For example, a cash advance fee is included as part of a cash transaction.

    Representative example: When you spend £1200 at a rate of 17.95% (variable) per annum, your Representative APR is 17.9% APR (variable).

  • 9.9% APR

    Capital One Click Card MasterCard Capital One

    features

    • Access to eXtras plus, offering discounts on an unlimited basis for six months with selected online retailers such as: 20% off and free delivery with Tedbaker.com, 25% off Travelpack.com, 30% off Zavvi.com, 50% off viagogo.co.uk and new discounts becoming available every three months.
    • Access to eXtras plus, offering unlimited access to exclusive rewards with selected online retailers such as: 20% off and free delivery with Tedbaker.com, 25% off Travelpack.com, 30% off Zavvi.com, 50% off viagogo.co.uk and new discounts becoming available every three months

    rates

    • Monthly rate 0.79%, Yearly rate 9.94%

    eligibility

    • Is not available to existing customers
    • Minimum income of £20000
    • 21 years minimum age
    • Is not available to applicants with County Court Judgements

    default charges

    • Exceeding personal limit subject to a handling fee of £12
    • Late payment subject to a handling fee of £12
    • Returned payment subject to a handling fee of £12

    charges

    • Cash withdrawal fee: 9.94% The monthly payment is the full outstanding balance if it is less than £5, but other wise the greater of an amount equal to the total of 1% of the outstanding balance on the account; interest applied to the account in that month; all Default Sums incurred in that month; and one twelfth of the Annual Fee, or £5.
    • Repayment terms: Unless you pay the outstanding balance in full, we will allocate your payments to balances which attract the highest interest rate first. We will always allocate your payments to any amounts which have already appeared on a statement before allocating your payments to any amounts subsequently applied to your account.

    Representative example: When you spend £1200 at a rate of 9.94% (variable) per annum, your Representative APR is 9.9% APR (variable).

  • 15.9% APR

    Lloyds TSB Duo Avios Amex Lloyds TSB

    • 0.0% balance transfer for 6 months (3.00% fee)

    features

    • 0.0% balance transfer for 6 months (3.00% fee)
    • Collect 1 Avios per £1 spent on the Lloyds TSB Duo Avios American Express® Card. Collect 2 Avios per £1 spent on the Lloyds TSB Duo Avios American Express® Card abroad. Collect 1,500 Avios for every whole £1,000 balance transferred from a single provider. For a limited time, customers applying via www.lloydstsb.com will collect 2,000 bonus Avios when they spend £500 per month on their Duo account for the first three months. For a limited time, customers applying through avios.com will collect 5 Avios per £1 spent on the Lloyds TSB Duo Avios American Express® Card and 10 Avios per £1 spent on the Lloyds TSB Duo Avios American Express® Card abroad for the first 3 months.

    rates

    • Introductory rate 0.0% for 6 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Monthly rate 2.075%, Yearly rate 27.9%

    eligibility

    • Is not available to existing customers
    • Minimum income of £15000
    • 18 years minimum age
    • Is not available to applicants with County Court Judgements

    default charges

    • Exceeding personal limit subject to a handling fee of £12
    • Late payment subject to a handling fee of £12
    • Returned payment subject to a handling fee of £12

    charges

    • Cash withdrawal fee: 27.9% Your monthly minimum payment must be to an amount equal to the total of the interest, any late payment, over limit or returned payment charges, 1/12th of your annual fee (if applicable) and 1% of the balance shown in your statement (minimum £5, or the full balance if less than £5).
    • Repayment terms: We use any payments you make to pay off Transactions that appear on your statement starting with those on which we charge the highest rate of interest, and so on down to the lowest rate of interest. If the payment is not enough to pay off all Transactions at a particular interest rate, we will pay off Transactions charged at the interest rate in the following order:- Cash Withdrawals, Purchases, Balance Transfers and Cheques, followed by charges. If you pay more than the amount due shown on your statement, we will use any remaining payment to pay off Transactions that have not yet appeared on your statement in the same order as those that do appear on your statement. In this condition, “Transaction” includes the amount of the Purchase, Cash Withdrawal, Cheque or Balance Transfer plus any interest, charges or insurance payment charged as a result of that Transaction. For example, a Cash Withdrawal charge is included as part of a Cash Withdrawal.

    Representative example: When you spend £1200 at a rate of 15.94% (variable) per annum, your Representative APR is 15.9% APR (variable).

  • 17.9% APR

    NatWest YourPoints World MasterCard NatWest

    • 0.0% balance transfer for 13 months (2.90% fee)
    • 0.0% on purchases for 13 months

    features

    • 0.0% balance transfer for 13 months (2.90% fee)
    • 0.0% on purchases for 13 months
    • Earn 1 point for every £1 spent on card. Points can be redeemed for a huge choice of rewards from flights and holidays, shopping vouchers, spa experiences and theatre nights. Customers will receive 2,500 bonus points shortly after receiving the card and each year thereafter.

    rates

    • Introductory rate 0.0% for 13 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Introductory rate 0.0% for 13 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Monthly rate 2.075%, Yearly rate 27.95%

    eligibility

    • Is not available to existing customers
    • Minimum income of £10000
    • 18 years minimum age
    • Is not available to applicants with County Court Judgements

    default charges

    • Exceeding personal limit subject to a handling fee of £12
    • Late payment subject to a handling fee of £12
    • Returned payment subject to a handling fee of £10

    charges

    • Interest fee on purchases: 0.0%
    • Cash withdrawal fee: 27.95% Your monthly minimum payment must be to an amount equal to the total of the interest, any late payment, over limit or returned payment charges, 1/12th of your annual fee (if applicable) and 1% of the balance shown in your statement (minimum £5, or the full balance if less than £5).
    • Repayment terms: If you do not pay off your balance in full, payments we receive will be allocated to pay the most expensive debt first.

    Representative example: When you spend £1200 at a rate of 17.95% (variable) per annum, your Representative APR is 17.9% APR (variable).

  • 7.9% APR

    Barclaycard Platinum Simplicity Visa Barclaycard

    features

    rates

    • Monthly rate 1.233%, Yearly rate 15.8%

    eligibility

    • Is not available to existing customers
    • Minimum income of £20000
    • 21 years minimum age
    • Is not available to applicants with County Court Judgements

    default charges

    • Exceeding personal limit subject to a handling fee of £12
    • Late payment subject to a handling fee of £12
    • Returned payment subject to a handling fee of £12

    charges

    • Cash withdrawal fee: 15.8% Or any interest, account fees and default charges that have been added to your account since your last statement plus 1% of the remaining balance.
    • Repayment terms: If you don’t pay your statement balance in full each month, we will apply the amount you do pay to reduce higher interest rate balances before lower interest rate balances. Any default charges will be repaid before the rest of the standard balance. If you have more than one promotional balance with the same interest rate, you’ll reduce the balance with the earliest expiry date first.

    Representative example: When you spend £1200 at a rate of 7.9% (variable) per annum, your Representative APR is 7.9% APR (variable).

  • 15.9% APR

    Lloyds TSB Duo Avios MasterCard Lloyds TSB

    • 0.0% balance transfer for 6 months (3.00% fee)

    features

    • 0.0% balance transfer for 6 months (3.00% fee)
    • Collect 1 Avios per £5 spent on the Lloyds TSB Duo Avios MasterCard. Collect 2 Airmiles per £5 spent on the Lloyds TSB Duo Avios MasterCard abroad. Collect 1,500 Avios for every whole £1,000 balance transferred from a single provider. For a limited time, customers applying via www.lloydstsb.com will collect 2,000 bonus Avios when they spend £500 per month on their Duo account for the first three months. For a limited time, customers applying through avios.com will collect 5 Avios per £5 spent on the Lloyds TSB Duo Avios MasterCard and 10 Avios per £5 spent on the Lloyds TSB Duo Avios MasterCard abroad for the first 3 months.

    rates

    • Introductory rate 0.0% for 6 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Monthly rate 2.075%, Yearly rate 27.9%

    eligibility

    • Is not available to existing customers
    • Minimum income of £15000
    • 18 years minimum age
    • Is not available to applicants with County Court Judgements

    default charges

    • Exceeding personal limit subject to a handling fee of £12
    • Late payment subject to a handling fee of £12
    • Returned payment subject to a handling fee of £12

    charges

    • Cash withdrawal fee: 27.9% Your monthly minimum payment must be to an amount equal to the total of the interest, any late payment, over limit or returned payment charges, 1/12th of your annual fee (if applicable) and 1% of the balance shown in your statement (minimum £5, or the full balance if less than £5).
    • Repayment terms: We use any payments you make to pay off Transactions that appear on your statement starting with those on which we charge the highest rate of interest, and so on down to the lowest rate of interest. If the payment is not enough to pay off all Transactions at a particular interest rate, we will pay off Transactions charged at the interest rate in the following order:- Cash Withdrawals, Purchases, Balance Transfers and Cheques, followed by charges. If you pay more than the amount due shown on your statement, we will use any remaining payment to pay off Transactions that have not yet appeared on your statement in the same order as those that do appear on your statement. In this condition, “Transaction” includes the amount of the Purchase, Cash Withdrawal, Cheque or Balance Transfer plus any interest, charges or insurance payment charged as a result of that Transaction. For example, a Cash Withdrawal charge is included as part of a Cash Withdrawal.

    Representative example: When you spend £1200 at a rate of 15.94% (variable) per annum, your Representative APR is 15.9% APR (variable).

  • 17.9% APR

    Virgin Atlantic White Amex MBNA Europe Bank

    • 0.0% balance transfer for 6 months (2.00% fee)

    features

    • 0.0% balance transfer for 6 months (2.00% fee)
    • 3,000 Flying Club Miles awarded on first card purchase within the first 90 days of account opening. 1 Flying Club Mile per £1 spent. Double miles when card used with Virgin Atlantic and Virgin Holidays. If retail spend of greater than £15K pa a companion ticket is earnt for a qualifying flight with Virgin Atlantic. If retail spend of greater than £10K pa a premium upgrade with an economy redemption (max 2 per year) can be made.

    rates

    • Introductory rate 0.0% for 6 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Monthly rate 1.5976%, Yearly rate 20.9%

    eligibility

    • Is not available to existing customers
    • Minimum income of £0
    • 18 years minimum age
    • Is not available to applicants with County Court Judgements

    default charges

    • Exceeding personal limit subject to a handling fee of £12
    • Late payment subject to a handling fee of £12
    • Returned payment subject to a handling fee of £12

    charges

    • Cash withdrawal fee: 20.9% 1% of the statement balance before any default charges and interest after which default charges and interest will be added.
    • Repayment terms: If you do not pay your balance in full we will use your payments: 1) to reduce higher rate balances before lower rate balances If introductory rate balances are the same we will repay as follows: 1) if the promotional and standard interest rate match, we will use your payments against the promotional interest rate; then 2) if the expiry dates, and start dates are the same - the one with the highest standard rates; then 3) if the expiry dates are the same - the one which started first.

    Representative example: When you spend £1200 at a rate of 17.9% (variable) per annum, your Representative APR is 17.9% APR (variable).

  • 19.9% APR

    Barclaycard Gold Visa Barclaycard

    • 0.0% balance transfer for 12 months (2.50% fee)

    features

    • 0.0% balance transfer for 12 months (2.50% fee)
    • With Barclaycard Freedom, automatically earn Reward Money at selected retailers (not points or vouchers) and redeem it on a future purchase at selected retailers within the programme. At most Earn Retailers, earn Reward Money at 1% of the purchase price of Eligible Purchases made using the card. Terms and conditions apply

    rates

    • Introductory rate 0.0% for 12 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Monthly rate 2.075%, Yearly rate 27.9%

    eligibility

    • Is not available to existing customers
    • Minimum income of £17500
    • 21 years minimum age
    • Is not available to applicants with County Court Judgements

    default charges

    • Exceeding personal limit subject to a handling fee of £12
    • Late payment subject to a handling fee of £12
    • Returned payment subject to a handling fee of £12

    charges

    • Cash withdrawal fee: 27.9% Or any interest, account fees and default charges that have been added to your account since your last statement plus 1% of the remaining balance.
    • Repayment terms: If you don’t pay your statement balance in full each month, we will apply the amount you do pay to reduce higher interest rate balances before lower interest rate balances. Any default charges will be repaid before the rest of the standard balance. If you have more than one promotional balance with the same interest rate, you’ll reduce the balance with the earliest expiry date first.

    Representative example: When you spend £1200 at a rate of 19.9% (variable) per annum, your Representative APR is 19.9% APR (variable).

  • 19.9% APR

    British Airways American Express Card American Express

    features

    • Earn 1 Avios for virtually every £1 spent, plus collect 9,000 bonus Avios when £1,000 is spent on card in the first 3 months. Spend £20K on the card in 12 months and redeem the Avios on a British Airways flight and receive another ticket for a companion for the same flight and cabin.
    • 9,000 Avios points (when you spend £1,000 in your first 3 months of Cardmembership)

    rates

    • Monthly rate 2.08%, Yearly rate 27.9%

    eligibility

    • Is not available to existing customers
    • Minimum income of £30000
    • 18 years minimum age
    • Is not available to applicants with County Court Judgements

    default charges

    • Exceeding personal limit subject to a handling fee of £12
    • Late payment subject to a handling fee of £12
    • Returned payment subject to a handling fee of £12

    charges

    • Cash withdrawal fee: 27.9%
    • Repayment terms: We will apply payments to balances bearing the highest interest rate first. In applying this principle, we will first apply payment to amounts that have appeared on your monthly statement, and we may secondly, apply payments to amounts that have not yet appeared on your monthly statement.

    Representative example: When you spend £1200 at a rate of 19.9% (variable) per annum, your Representative APR is 19.9% APR (variable).

  • 20.1% APR

    Sainsbury's Finance Gold Credit Card MasterCard Sainsbury's Finance

    features

    • Earn 2 points per £1 spent in Sainsbury's store. Earn 1 point per £5 spent when making any other purchase.

    rates

    • Monthly rate 1.872%, Yearly rate 24.93%

    eligibility

    • Is not available to existing customers
    • Minimum income of £0
    • 18 years minimum age
    • Is not available to applicants with County Court Judgements

    default charges

    • Exceeding personal limit subject to a handling fee of £12
    • Late payment subject to a handling fee of £12
    • Returned payment subject to a handling fee of £12

    charges

    • Cash withdrawal fee: 24.93% Plus any amount over limit.
    • Repayment terms: We use any payments you make to pay off transactions that appear on your statements starting with those on which we charge interest at the highest rate. We will then pay off transactions on which we charge interest at the next highest rate and so on down to the lowest rate of interest. If the payment is not enough to pay off all transactions at a particular interest rate, we will pay off transactions charged at that interest rate in the order:- cash advances, cheques, purchases, balance transfers and default sums. If you pay more than the amount due shown on your statement, we will use any remaining payment to pay off transactions that have not yet appeared on your statement in the same order as those that do appear on your statement. In this condition, "transaction" includes the amount of the purchase, cash advance, cheque, default sum or balance transfer plus any interest fees or insurance payment charged as a result of that transaction.

    Representative example: When you spend £1200 at a rate of 9.94% (variable) per annum, with a £5 monthly fee, your Representative APR is 20.1% APR (variable).

  • 21.9% APR

    Lloyds TSB Premier Duo Avios MasterCard Lloyds TSB

    • 0.0% balance transfer for 6 months (3.00% fee)

    features

    • 0.0% balance transfer for 6 months (3.00% fee)
    • Collect 1.25 Avios per £5 spent on the Lloyds TSB Premier Duo Avios MasterCard. Collect 2.5 Avios per £5 spent on the Lloyds TSB Premier Duo Avios MasterCard abroad. Collect 1,500 Avios for every whole £1,000 balance transferred from a single provider. For a limited time, customers applying via Lloyds TSB branch or telephony channels or lloydstsb.com will collect 10,000 bonus Avios when they spend £500 per month on their Premier Duo account for the first three months. For a limited time, customers applying through avios.com will collect 12.5 Avios per £5 spent on the Lloyds TSB Premier Duo Avios MasterCard and 25 Avios per £5 spent on the Lloyds TSB Premier Duo Avios MasterCard abroad for the first three months.

    rates

    • Introductory rate 0.0% for 6 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Monthly rate 2.075%, Yearly rate 27.9%

    eligibility

    • Is not available to existing customers
    • Minimum income of £0
    • 18 years minimum age
    • Is not available to applicants with County Court Judgements

    default charges

    • Exceeding personal limit subject to a handling fee of £12
    • Late payment subject to a handling fee of £12
    • Returned payment subject to a handling fee of £12

    charges

    • Cash withdrawal fee: 27.9% Your monthly minimum payment must be to an amount equal to the total of the interest, any late payment, over limit or returned payment charges, 1/12th of your annual fee (if applicable) and 1% of the balance shown in your statement (minimum £5, or the full balance if less than £5).
    • Repayment terms: We use any payments you make to pay off Transactions that appear on your statement starting with those on which we charge the highest rate of interest, and so on down to the lowest rate of interest. If the payment is not enough to pay off all Transactions at a particular interest rate, we will pay off Transactions charged at the interest rate in the following order:- Cash Withdrawals, Purchases, Balance Transfers and Cheques, followed by charges. If you pay more than the amount due shown on your statement, we will use any remaining payment to pay off Transactions that have not yet appeared on your statement in the same order as those that do appear on your statement. In this condition, “Transaction” includes the amount of the Purchase, Cash Withdrawal, Cheque or Balance Transfer plus any interest, charges or insurance payment charged as a result of that Transaction. For example, a Cash Withdrawal charge is included as part of a Cash Withdrawal.

    Representative example: When you spend £1200 at a rate of 13.95% (variable) per annum, with a £50 annual fee, your Representative APR is 21.9% APR (variable).

  • 47.2% APR

    Virgin Atlantic Black Amex MBNA Europe Bank

    • 0.0% balance transfer for 6 months (2.00% fee)

    features

    • 0.0% balance transfer for 6 months (2.00% fee)
    • 6,000 Flying Club Miles awarded on first card purchase within the first 90 days of account opening. 12,000 Flying Club Miles will be awarded when at least £1.500 is spent on card within the first 90 days of account opening. 2 Flying Club miles for every £1 spent. Double miles when card used with Virgin Atlantic and Virgin Holidays. If retail spend of greater than £7.5K pa a companion ticket is earnt for a qualifying flight with Virgin Atlantic. If retail spend of greater than £5K pa a premium upgrade with an economy redemption (max 2 per year) can be made.

    rates

    • Introductory rate 0.0% for 6 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Monthly rate 1.5976%, Yearly rate 20.9%

    eligibility

    • Is not available to existing customers
    • Minimum income of £0
    • 18 years minimum age
    • Is not available to applicants with County Court Judgements

    default charges

    • Exceeding personal limit subject to a handling fee of £12
    • Late payment subject to a handling fee of £12
    • Returned payment subject to a handling fee of £12

    charges

    • Cash withdrawal fee: 20.9% 1% of the statement balance before any default charges and interest after which default charges and interest will be added.
    • Repayment terms: If you do not pay your balance in full we will use your payments: 1) to reduce higher rate balances before lower rate balances If introductory rate balances are the same we will repay as follows: 1) if the promotional and standard interest rate match, we will use your payments against the promotional interest rate; then 2) if the expiry dates, and start dates are the same - the one with the highest standard rates; then 3) if the expiry dates are the same - the one which started first.

    Representative example: When you spend £1200 at a rate of 18.9% (variable) per annum, with a £140 annual fee, your Representative APR is 47.2% APR (variable).

  • 50.1% APR

    British Airways American Express Premium Plus American Express

    features

    • 1.5 Avios for virtually every £1 spent using the Card. Collect 18,000 bonus Avios when £3,000 is spent on card in the first 3 months. Earn 3 Avios on BA flights and Holidays. Companion airline ticket when you spend £10K on the Card within one year and you redeem your Avios for BA flight.
    • 18,000 Avios points (when you spend £3,000 in your first 3 months of Cardmembership)

    rates

    • Monthly rate 2.08%, Yearly rate 27.9%

    eligibility

    • Is not available to existing customers
    • Minimum income of £30000
    • 18 years minimum age
    • Is not available to applicants with County Court Judgements

    default charges

    • Exceeding personal limit subject to a handling fee of £12
    • Late payment subject to a handling fee of £12
    • Returned payment subject to a handling fee of £12

    charges

    • Cash withdrawal fee: 27.9%
    • Repayment terms: We will apply payments to balances bearing the highest interest rate first. In applying this principle, we will first apply payment to amounts that have appeared on your monthly statement, and we may secondly, apply payments to amounts that have not yet appeared on your monthly statement.

    Representative example: When you spend £1200 at a rate of 19.9% (variable) per annum, with a £150 annual fee, your Representative APR is 50.1% APR (variable).

  • 29.9% APR

    Barclaycard Initial Visa Barclaycard

    features

    • Best suited as a first credit card Manageable credit limits from £250 Not recommended if you have missed several payments, or have defaulted or CCJs in the past

    rates

    • Monthly rate 2.207%, Yearly rate 29.9%

    eligibility

    • Is not available to existing customers
    • Minimum income of £10000
    • 18 years minimum age
    • Is not available to applicants with County Court Judgements

    default charges

    • Exceeding personal limit subject to a handling fee of £12
    • Late payment subject to a handling fee of £12
    • Returned payment subject to a handling fee of £12

    charges

    • Cash withdrawal fee: 29.9% Or any interest, account fees and default charges that have been added to your account since your last statement plus 1% of the remaining balance.
    • Repayment terms: If you don’t pay your statement balance in full each month, we will apply the amount you do pay to reduce higher interest rate balances before lower interest rate balances. Any default charges will be repaid before the rest of the standard balance. If you have more than one promotional balance with the same interest rate, you’ll reduce the balance with the earliest expiry date first.

    Representative example: When you spend £1200 at a rate of 29.9% (variable) per annum, your Representative APR is 29.9% APR (variable).

  • 35.9% APR

    aqua MasterCard SAV Credit

    features

    • A Mastercard with no annual fee A credit limit of up to £1,600 No interest on purchases if balance is paid in full & on time each month

    rates

    • Monthly rate 2.84%, Yearly rate 39.95%

    eligibility

    • Is not available to existing customers
    • Minimum income of £0
    • 18 years minimum age
    • Is available to applicants with County Court Judgements

    default charges

    • Exceeding personal limit subject to a handling fee of £12
    • Late payment subject to a handling fee of £12
    • Returned payment subject to a handling fee of £12

    charges

    • Cash withdrawal fee: 39.95%
    • Repayment terms: If you do not pay off your balance in full we will allocate your payments to balances with the highest interest rate before balances with lower interest rates.

    Representative example: When you spend £1200 at a rate of 35.95% (variable) per annum, your Representative APR is 35.9% APR (variable).

  • 39.9% APR

    Vanquis Bank Visa Vanquis Bank

    features

    • Good for building your credit rating Get a credit limit increase every 4 months, up to £3,000

    rates

    • Monthly rate 3.43%, Yearly rate 49.94%

    eligibility

    • Is not available to existing customers
    • Minimum income of £4000
    • 18 years minimum age
    • Is available to applicants with County Court Judgements

    default charges

    • Exceeding personal limit subject to a handling fee of £12
    • Late payment subject to a handling fee of £12
    • Returned payment subject to a handling fee of £12

    charges

    • Cash withdrawal fee: 49.94%
    • Repayment terms: Where your repayment is not sufficient to pay off the whole of the balance outstanding on your Account, your repayment will be allocated initially to paying off fees, charges and interest/minimum finance charge on your statement and then to the debt bearing the highest interest rate.

    Representative example: When you spend £1000 at a rate of 39.94% (variable) per annum, your Representative APR is 39.9% APR (variable).

  • 34.9% APR

    granite credit card Visa Vanquis Bank

    features

    • Granite Rewards gives access to thousands of new and exclusive deals from leading UK retailers. Each reward provides a discount or money off when spend at a participating retailer. Examples: 10% off at The Body Shop and Play.com, 10% off main meals at Pizza Express, 15% off paint at B&Q, 15% off at Sainsbury's and 25% off at Debenhams. Check website for current offers as these can change without notice.

    rates

    • Monthly rate 3.14%, Yearly rate 44.94%

    eligibility

    • Is not available to existing customers
    • Minimum income of £4000
    • 18 years minimum age
    • Is not available to applicants with County Court Judgements

    default charges

    • Exceeding personal limit subject to a handling fee of £12
    • Late payment subject to a handling fee of £12
    • Returned payment subject to a handling fee of £12

    charges

    • Cash withdrawal fee: 44.94%
    • Repayment terms: Where your repayment is not sufficient to pay off the whole of the balance outstanding on your Account, your repayment will be allocated initially to paying off fees, charges and interest/minimum finance charge on your statement and then to the debt bearing the highest interest rate.

    Representative example: When you spend £500 at a rate of 34.95% (variable) per annum, your Representative APR is 34.9% APR (variable).

What is a credit card?

A credit card is a way of borrowing money to pay for goods and services or to pay bills. Once you've reached a pre-approved credit limit, you won't be able to spend any more on the card until you've paid some of it off. At the end of every month, you pay off at least the minimum amount of what you owe on the card - if you don't, you'll begin to rack up hefty charges.

You can apply for a credit card through most banks, some building societies, specialist credit card providers and many high street shops.

Types of credit card

Credit cards come in a variety of different forms - some cards are better for new purchases or for getting cashback on your spending, while others are better for transferring existing debt.