Compare Reward Credit Cards

With reward credit cards you earn points to exchange for discounts, vouchers and even free flights. Find the best reward credit cards and compare

With a reward credit card, every time you spend on your card you get a little something back in the form of reward points, which you can exchange for discounts, gift vouchers and even flights. Find out more about reward credit cards.

Card below ordered by interest rate (APR)

Original
  • 6.9% APR Representative Variable

Features

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

Rates

Cash Advance:

  • 3.0%

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.

Eligibility

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

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.

Statement copy subject to a handling fee of £5.

Replacement card subject to a handling fee of £0.

Voucher copy (UK) subject to a handling fee of £0.

Voucher copy (Worldwide) subject to a handling fee of £0. Cash advance subject to a handling fee of £3.0 (minimum £3.0).

Original

  • Capital One OneRate MasterCard

  • 9.9% APR Representative
    (Variable)

    • Representative example: When you spend £1,200 at a rate of 9.94% (variable) per annum, your Representative APR is 9.9% APR (variable).
  • 9.9% APR Representative Variable

Features

Rates

Cash Advance:

  • 3.0%

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.

Eligibility

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

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.

Statement copy subject to a handling fee of £0.

Replacement card subject to a handling fee of £0.

Voucher copy (UK) subject to a handling fee of £0.

Voucher copy (Worldwide) subject to a handling fee of £0. Cash advance subject to a handling fee of £3.0 (minimum £3.0).

Original

  • Nationwide BS Select Credit Card Visa

  • 12.9% APR Representative
    (Variable)

    • 0.0% balance transfer for 20 months (3.10% fee)
    • 0.0% on purchases for 12 months
    • Representative example: When you spend £1,200 at a rate of 12.9% (variable) per annum, your Representative APR is 12.9% APR (variable).
  • 12.9% APR Representative Variable
  • 0.0% balance transfer for 20 months (3.10% fee)
  • 0.0% on purchases for 12 months

Features

  • 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.
  • 0.0% balance transfer for 20 months (3.10% fee)
  • 0.0% on purchases for 12 months

Rates

Purchases:

  • 0.0% on purchases for 12 months

Balance Transfer:

  • 0.0% balance transfer for 20 months (3.10% fee)

Cash Advance:

  • 2.5%

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.

Eligibility

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

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.

Statement copy subject to a handling fee of £5.

Replacement card subject to a handling fee of £0.

Voucher copy (UK) subject to a handling fee of £0.

Voucher copy (Worldwide) subject to a handling fee of £0. Cash advance subject to a handling fee of £3.0 (minimum £3.0).

Original

  • Virgin Money All Round Credit Card MasterCard

  • 15.8% APR Representative
    (Variable)

    • 0.0% balance transfer for 16 months (1.99% fee)
    • 0.0% on purchases for 6 months
    • Representative example: When you spend £1,200 at a rate of 15.8% (variable) per annum, your Representative APR is 15.8% APR (variable).
  • 15.8% APR Representative Variable
  • 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

Purchases:

  • 0.0% on purchases for 6 months

Balance Transfer:

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

Cash Advance:

  • 5.0%

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.

Eligibility

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

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.

Statement copy subject to a handling fee of £0.

Replacement card subject to a handling fee of £0.

Voucher copy (UK) subject to a handling fee of £0.

Voucher copy (Worldwide) subject to a handling fee of £0. Cash advance subject to a handling fee of £5.0 (minimum £5.0).

Original

  • Lloyds TSB Duo Avios MasterCard

  • 15.9% APR Representative
    (Variable)

    • 0.0% balance transfer for 6 months (3.00% fee)
    • Representative example: When you spend £1,200 at a rate of 15.94% (variable) per annum, your Representative APR is 15.9% APR (variable).
  • 15.9% APR Representative Variable
  • 0.0% balance transfer for 6 months (3.00% fee)

Features

  • Collect 1 Avios per £5 spent on the Lloyds TSB Duo Avios MasterCard. Collect 2 Avios 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. Could get 18,000 bonus Avios when spending £500 in the first 3 months, terms and conditions apply.
  • 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.

Rates

Balance Transfer:

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

Cash Advance:

  • 3.0%

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.

Eligibility

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

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.

Statement copy subject to a handling fee of £6.

Replacement card subject to a handling fee of £0.

Voucher copy (UK) subject to a handling fee of £5.

Voucher copy (Worldwide) subject to a handling fee of £5. Cash advance subject to a handling fee of £2.5 (minimum £2.5).

Original

  • Virgin Money Credit Card MasterCard

  • 16.8% APR Representative
    (Variable)

    • 0.0% balance transfer for 20 months (2.99% fee)
    • 0.0% on purchases for 3 months
    • Representative example: When you spend £1,200 at a rate of 16.8% (variable) per annum, your Representative APR is 16.8% APR (variable).
  • 16.8% APR Representative Variable
  • 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

Purchases:

  • 0.0% on purchases for 3 months

Balance Transfer:

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

Cash Advance:

  • 5.0%

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.

Eligibility

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

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.

Statement copy subject to a handling fee of £0.

Replacement card subject to a handling fee of £0.

Voucher copy (UK) subject to a handling fee of £0.

Voucher copy (Worldwide) subject to a handling fee of £0. Cash advance subject to a handling fee of £5.0 (minimum £5.0).

Original

  • Sainsbury's Bank Nectar Credit Card MasterCard

  • 16.9% APR Representative
    (Variable)

    • 0.0% balance transfer for 15 months (3.00% fee)
    • 0.0% on purchases for 6 months
    • Representative example: When you spend £1,200 at a rate of 16.94% (variable) per annum, your Representative APR is 16.9% APR (variable).
  • 16.9% APR Representative Variable
  • 0.0% balance transfer for 15 months (3.00% fee)
  • 0.0% on purchases for 6 months

Features

  • Earn 2 points per £1 spent in Sainsbury's store. Earn 1 point per £5 spent when making any other purchase.
  • 0.0% balance transfer for 15 months (3.00% fee)
  • 0.0% on purchases for 6 months

Rates

Purchases:

  • 0.0% on purchases for 6 months

Balance Transfer:

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

Cash Advance:

  • 3.0%

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.

Eligibility

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

Charges

Interest fee on purchases: 0.0%

Cash withdrawal fee: 25.95% 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.

Statement copy subject to a handling fee of £5.

Replacement card subject to a handling fee of £0.

Voucher copy (UK) subject to a handling fee of £0.

Voucher copy (Worldwide) subject to a handling fee of £0. Cash advance subject to a handling fee of £3.0 (minimum £3.0).

Original

  • Halifax 17 Month MasterCard

  • 16.9% APR Representative
    (Variable)

    • 0.0% balance transfer for 17 months (3.00% fee)
    • 0.0% on purchases for 3 months
    • Representative example: When you spend £1,200 at a rate of 16.94% (variable) per annum, your Representative APR is 16.9% APR (variable).
  • 16.9% APR Representative Variable
  • 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

Purchases:

  • 0.0% on purchases for 3 months

Balance Transfer:

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

Cash Advance:

  • 3.0%

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.

Eligibility

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

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.

Statement copy subject to a handling fee of £5.

Replacement card subject to a handling fee of £0.

Voucher copy (UK) subject to a handling fee of £0.

Voucher copy (Worldwide) subject to a handling fee of £0. Cash advance subject to a handling fee of £3.0 (minimum £3.0).

Original

  • The AA Rewards Credit Card Visa

  • 16.9% APR Representative
    (Variable)

    • 0.0% balance transfer for 12 months (3.00% fee)
    • 0.0% on purchases for 10 months
    • Representative example: When you spend £1,200 at a rate of 16.9% (variable) per annum, your Representative APR is 16.9% APR (variable).
  • 16.9% APR Representative Variable
  • 0.0% balance transfer for 12 months (3.00% fee)
  • 0.0% on purchases for 10 months

Features

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

Rates

Purchases:

  • 0.0% on purchases for 10 months

Balance Transfer:

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

Cash Advance:

  • 3.0%

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.

Eligibility

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

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.

Statement copy subject to a handling fee of £0.

Replacement card subject to a handling fee of £0.

Voucher copy (UK) subject to a handling fee of £0.

Voucher copy (Worldwide) subject to a handling fee of £0. Cash advance subject to a handling fee of £3.0 (minimum £3.0).

Original

  • Barclaycard Platinum Extended Bal Transfer Visa

  • 17.9% APR Representative
    (Variable)

  • Only in May, a market leading 22 month balance transfer with a £30 fee refund.

    • 0.0% balance transfer for 22 months (2.90% fee)
    • 0.0% on purchases for 3 months
    • Representative example: When you spend £1,200 at a rate of 17.9% (variable) per annum, your Representative APR is 17.9% APR (variable).
  • 17.9% APR Representative Variable
  • 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

Purchases:

  • 0.0% on purchases for 3 months

Balance Transfer:

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

Cash Advance:

  • 2.5%

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.

Eligibility

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

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.

Statement copy subject to a handling fee of £3.

Replacement card subject to a handling fee of £0.

Voucher copy (UK) subject to a handling fee of £5.

Voucher copy (Worldwide) subject to a handling fee of £0. Cash advance subject to a handling fee of £2.5 (minimum £2.5).

Original

  • Virgin Atlantic White Amex

  • 17.9% APR Representative
    (Variable)

    • 0.0% balance transfer for 6 months (2.00% fee)
    • Representative example: When you spend £1,200 at a rate of 17.9% (variable) per annum, your Representative APR is 17.9% APR (variable).
  • 17.9% APR Representative Variable
  • 0.0% balance transfer for 6 months (2.00% fee)

Features

  • 3,000 Flying Club miles upon first card purchase within the first 90 days of opening account. 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.
  • 0.0% balance transfer for 6 months (2.00% fee)

Rates

Balance Transfer:

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

Cash Advance:

  • 2.0%

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.

Eligibility

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

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.

Statement copy subject to a handling fee of £2.

Replacement card subject to a handling fee of £0.

Voucher copy (UK) subject to a handling fee of £0.

Voucher copy (Worldwide) subject to a handling fee of £0. Cash advance subject to a handling fee of £2.5 (minimum £2.5).

Original

  • The AA Balance Transfer Credit Card Visa

  • 17.9% APR Representative
    (Variable)

    • 0.0% balance transfer for 16 months (2.90% fee)
    • 0.0% on purchases for 3 months
    • Representative example: When you spend £1,200 at a rate of 17.9% (variable) per annum, your Representative APR is 17.9% APR (variable).
  • 17.9% APR Representative Variable
  • 0.0% balance transfer for 16 months (2.90% fee)
  • 0.0% on purchases for 3 months

Features

  • Applies to all 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.
  • 0.0% balance transfer for 16 months (2.90% fee)
  • 0.0% on purchases for 3 months

Rates

Purchases:

  • 0.0% on purchases for 3 months

Balance Transfer:

  • 0.0% balance transfer for 16 months (2.90% fee)

Cash Advance:

  • 3.0%

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.

Eligibility

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

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: balance transfers, cash advances, money transfers and purchases.

Statement copy subject to a handling fee of £0.

Replacement card subject to a handling fee of £0.

Voucher copy (UK) subject to a handling fee of £0.

Voucher copy (Worldwide) subject to a handling fee of £0. Cash advance subject to a handling fee of £3.0 (minimum £3.0).

Original

  • American Express Platinum Cashback Card

  • 18.5% APR Representative
    (Variable)

  • 5% cashback on up to £2,000 of purchases in your first 3 months (thereafter 1.25%)

    • Representative example: When you spend £1,200 at a rate of 14.0% (variable) per annum, with a £25 annual fee, your Representative APR is 18.5% APR (variable).
  • 18.5% APR Representative Variable

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

Cash Advance:

  • 3.0%

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.

Eligibility

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

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.

Statement copy subject to a handling fee of £5.

Replacement card subject to a handling fee of £0.

Voucher copy (UK) subject to a handling fee of £3.

Voucher copy (Worldwide) subject to a handling fee of £3. Cash advance subject to a handling fee of £3.0 (minimum £3.0).

Original

  • Virgin Money Purchase Credit Card MasterCard

  • 18.9% APR Representative
    (Variable)

    • 0.0% balance transfer for 13 months (2.89% fee)
    • 0.0% on purchases for 13 months
    • Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your Representative APR is 18.9% APR (variable).
  • 18.9% APR Representative Variable
  • 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

Purchases:

  • 0.0% on purchases for 13 months

Balance Transfer:

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

Cash Advance:

  • 5.0%

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.

Eligibility

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

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.

Statement copy subject to a handling fee of £0.

Replacement card subject to a handling fee of £0.

Voucher copy (UK) subject to a handling fee of £0.

Voucher copy (Worldwide) subject to a handling fee of £0. Cash advance subject to a handling fee of £5.0 (minimum £5.0).

Original

  • Barclaycard Gold Visa

  • 19.9% APR Representative
    (Variable)

    • 0.0% balance transfer for 12 months (2.50% fee)
    • Representative example: When you spend £1,200 at a rate of 19.9% (variable) per annum, your Representative APR is 19.9% APR (variable).
  • 19.9% APR Representative Variable
  • 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

Balance Transfer:

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

Cash Advance:

  • 2.5%

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.

Eligibility

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

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.

Statement copy subject to a handling fee of £3.

Replacement card subject to a handling fee of £0.

Voucher copy (UK) subject to a handling fee of £5.

Voucher copy (Worldwide) subject to a handling fee of £0. Cash advance subject to a handling fee of £2.5 (minimum £2.5).

Original

  • Capital One Aspire Elite MasterCard

  • 19.9% APR Representative
    (Variable)

  • 5% Cashback on all purchases for the first 3 months (thereafter 2%)

    • Representative example: When you spend £1,200 at a rate of 17.69% (variable) per annum, with a £120 annual fee, your Representative APR is 19.9% APR (variable).
  • 19.9% APR Representative Variable

Features

Rates

Cash Advance:

  • 3.0%

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.

Eligibility

  • Is not available to existing customers
  • Minimum income of £50000
  • 21 years minimum age
  • Is not available to applicants with County Court Judgements

Charges

Cash withdrawal fee: 17.69% 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.

Statement copy subject to a handling fee of £0.

Replacement card subject to a handling fee of £0.

Voucher copy (UK) subject to a handling fee of £0.

Voucher copy (Worldwide) subject to a handling fee of £0. Cash advance subject to a handling fee of £3.0 (minimum £3.0).

Original

  • British Airways American Express Card

  • 19.9% APR Representative
    (Variable)

    • Representative example: When you spend £1,200 at a rate of 19.9% (variable) per annum, your Representative APR is 19.9% APR (variable).
  • 19.9% APR Representative Variable

Features

  • Earn 1 Avios for virtually every £1 spent, plus collect 1,000 bonus Avios when £500 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

Cash Advance:

  • 3.0%

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.

Eligibility

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

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.

Statement copy subject to a handling fee of £5.

Replacement card subject to a handling fee of £0.

Voucher copy (UK) subject to a handling fee of £3.

Voucher copy (Worldwide) subject to a handling fee of £0. Cash advance subject to a handling fee of £3.0 (minimum £3.0).

Original

  • Capital One Aspire World MasterCard

  • 19.9% APR Representative
    (Variable)

  • 5% Cashback on all purchases for the first 3 months (thereafter 1.25%)

    • Representative example: When you spend £1,200 at a rate of 19.94% (variable) per annum, your Representative APR is 19.9% APR (variable).
  • 19.9% APR Representative Variable

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

Cash Advance:

  • 3.0%

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.

Eligibility

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

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.

Statement copy subject to a handling fee of £0.

Replacement card subject to a handling fee of £0.

Voucher copy (UK) subject to a handling fee of £0.

Voucher copy (Worldwide) subject to a handling fee of £0. Cash advance subject to a handling fee of £3.0 (minimum £3.0).

Original

  • Sainsbury's Bank Gold Credit Card MasterCard

  • 20.1% APR Representative
    (Variable)

    • Representative example: When you spend £1,200 at a rate of 9.94% (variable) per annum, with a £5 monthly fee, your Representative APR is 20.1% APR (variable).
  • 20.1% APR Representative Variable

Features

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

Rates

Cash Advance:

  • 0.0%

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.

Eligibility

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

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.

Statement copy subject to a handling fee of £0.

Replacement card subject to a handling fee of £0.

Voucher copy (UK) subject to a handling fee of £0.

Voucher copy (Worldwide) subject to a handling fee of £0. Cash advance subject to a handling fee of £0.0 (minimum £0.0).

Original

  • Lloyds TSB Premier Duo Avios MasterCard

  • 21.9% APR Representative
    (Variable)

    • 0.0% balance transfer for 6 months (3.00% fee)
    • Representative example: When you spend £1,200 at a rate of 13.95% (variable) per annum, with a £50 annual fee, your Representative APR is 21.9% APR (variable).
  • 21.9% APR Representative Variable
  • 0.0% balance transfer for 6 months (3.00% fee)

Features

  • 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. Could get 30,000 bonus Avios when spending £500 every month for the 3 months, terms and conditions apply.
  • 0.0% balance transfer for 6 months (3.00% fee)

Rates

Balance Transfer:

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

Cash Advance:

  • 3.0%

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.

Eligibility

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

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.

Statement copy subject to a handling fee of £6.

Replacement card subject to a handling fee of £0.

Voucher copy (UK) subject to a handling fee of £5.

Voucher copy (Worldwide) subject to a handling fee of £5. Cash advance subject to a handling fee of £2.5 (minimum £2.5).

Original

  • Santander 123 Credit Card MasterCard

  • 22.8% APR Representative
    (Variable)

  • Earn up to 3% cashback on purchases at supermarkets, department stores and petrol stations

    • Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, with a £24 annual fee, your Representative APR is 22.8% APR (variable).
  • 22.8% APR Representative Variable

Features

  • Rewarding your everyday spending
  • It’s also the only credit card that pays your cash back monthly
  • Your 123 Credit Card can be used in conjunction with any other loyalty card or retailer offer.

Rates

Cash Advance:

  • 3.0%

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.

Eligibility

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

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.

Statement copy subject to a handling fee of £5.

Replacement card subject to a handling fee of £0.

Voucher copy (UK) subject to a handling fee of £5.

Voucher copy (Worldwide) subject to a handling fee of £5. Cash advance subject to a handling fee of £3.0 (minimum £3.0).

Original

  • The Starwood Preferred Guest Credit Card Amex

  • 34.5% APR Representative
    (Variable)

  • 20,000 Starpoints® points, enough for up to 5 free nights when you spend £1000 in the first 3 months

    • Representative example: When you spend £1,200 at a rate of 19.9% (variable) per annum, with a £75 annual fee, your Representative APR is 34.5% APR (variable).
  • 34.5% APR Representative Variable

Features

  • Earn 1 Starpoint for every full £1 per transaction spent on card. 20,000 bonus Starpoints if £1,000 spent on card in first three months, until 6 June 2012.

Rates

Cash Advance:

  • 3.0%

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.

Eligibility

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

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.

Statement copy subject to a handling fee of £2.

Replacement card subject to a handling fee of £0.

Voucher copy (UK) subject to a handling fee of £3.

Voucher copy (Worldwide) subject to a handling fee of £0. Cash advance subject to a handling fee of £3.0 (minimum £3.0).

Original

  • Capital One Classic Extra Visa

  • 34.9% APR Representative
    (Variable)

    • Representative example: When you spend £1,200 at a rate of 34.94% (variable) per annum, your Representative APR is 34.9% APR (variable).
  • 34.9% APR Representative Variable

Features

Rates

Cash Advance:

  • 3.0%

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.

Eligibility

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

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.

Statement copy subject to a handling fee of £0.

Replacement card subject to a handling fee of £0.

Voucher copy (UK) subject to a handling fee of £0.

Voucher copy (Worldwide) subject to a handling fee of £0. Cash advance subject to a handling fee of £3.0 (minimum £3.0).

Original

  • granite credit card Visa

  • 34.9% APR Representative
    (Variable)

  • Get great deals from leading UK retailers with this card

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

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.
  • If you an existing Vanquis customer you will not be accepted

Rates

Cash Advance:

  • 3.0%

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.

Eligibility

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

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.

Statement copy subject to a handling fee of £5.

Replacement card subject to a handling fee of £0.

Voucher copy (UK) subject to a handling fee of £0.

Voucher copy (Worldwide) subject to a handling fee of £0. Cash advance subject to a handling fee of £3.0 (minimum £3.0).

Original

  • Virgin Atlantic Black Amex

  • 47.2% APR Representative
    (Variable)

    • 0.0% balance transfer for 6 months (2.00% fee)
    • Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, with a £140 annual fee, your Representative APR is 47.2% APR (variable).
  • 47.2% APR Representative Variable
  • 0.0% balance transfer for 6 months (2.00% fee)

Features

  • 6,000 Flying Club miles upon first card purchase within the first 90 days of opening account. 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.
  • 0.0% balance transfer for 6 months (2.00% fee)

Rates

Balance Transfer:

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

Cash Advance:

  • 2.0%

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.

Eligibility

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

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.

Statement copy subject to a handling fee of £2.

Replacement card subject to a handling fee of £0.

Voucher copy (UK) subject to a handling fee of £0.

Voucher copy (Worldwide) subject to a handling fee of £0. Cash advance subject to a handling fee of £2.5 (minimum £2.5).

Original

  • British Airways American Express Premium Plus

  • 50.1% APR Representative
    (Variable)

    • Representative example: When you spend £1,200 at a rate of 19.9% (variable) per annum, with a £150 annual fee, your Representative APR is 50.1% APR (variable).
  • 50.1% APR Representative Variable

Features

  • 1.5 Avios for virtually every £1 spent using the Card. Collect 6,000 bonus Avios on first spend on the card. 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

Cash Advance:

  • 3.0%

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.

Eligibility

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

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.

Statement copy subject to a handling fee of £5.

Replacement card subject to a handling fee of £0.

Voucher copy (UK) subject to a handling fee of £3.

Voucher copy (Worldwide) subject to a handling fee of £0. Cash advance subject to a handling fee of £3.0 (minimum £3.0).

Is a reward credit card right for you?

Traditionally, reward credit cards didn't offer the most competitive interest rates and were best for people who paid off their balance in full each month. While this is still true in most cases, there are now far more reward credit cards around and deals available to suit more people and their needs.

Using a reward credit card instead of cash or your debit card for every day spending could be a great way to save money, by earning rewards on essential purchases that you have to make. Similarly, if you're a frequent flyer, a reward credit card could be ideal for you - each time you pay for a flight on a reward credit card, you could earn points or miles towards your next trip.

Compare reward credit cards now

See also the 2012 Credit Card Customer Satisfaction Survey Results