|
1
|
Most
popular!
Capital One Classic MasterCard
- Great for people who want to build or rebuild their credit rating
- Suitable for those with past CCJs or defaults
- Credit limit from £200 to £1,500 with no annual fee
- Unlikely to be accepted if you've never had credit in the UK
|
n/a
|
n/a
|
34.9%
APR
|
|
|
Representative example: When you spend £1,200 at a rate of 34.94% (variable) per annum, your Representative APR is 34.9% APR (variable).
|
|
2
|
Top three for Best Cashback and Rewards.
M&S Credit Card
- 0% on purchases for 15 months.
- M&S rewards – earn M&S points every time you shop with your card.
- 12 months on balance transfers made within 60 days of account opening (2.9% fee applies, minimum £5).
|
12months
0% interest
on transfers
(2.9% fee)
|
15months
0% interest
on purchases
|
16.9%
APR
|
|
|
Representative example: When you spend £1,200 at a rate of 16.9% (variable) per annum, your Representative APR is 16.9% APR (variable).
|
|
3
|
aqua Classic Credit Card
- Credit builder card which claims to offer people credit when others won't.
- Initial credit limit of £250 to £1,600 with possible increase after 4 months.
- Aqua accept people who have had CCJs or are on a low income.
- Free Aqua credit checker worth up to £80.
- A 60 second response.
|
n/a
|
n/a
|
29.7%
APR
|
|
|
Representative example: When you spend £1,200 at a rate of 29.73% (variable) per annum, your Representative APR is 29.7% APR (variable).
|
|
4
|
Barclaycard Platinum with 27 Months Balance Transfer
- Limited June offer - A refund reduces your BT fee from 3.90% to 2.98% (terms and conditions apply)
- 0% interest on purchases for 6 months from account opening
|
27months
0% interest
on transfers
(2.98% fee)
|
6months
0% interest
on purchases
|
18.9%
APR
|
|
|
Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your Representative APR is 18.9% APR (variable).
|
|
5
|
Virgin Money Credit Card MasterCard
- 0% interest on balance transfers for 26 months and 0% interest on purchases for 6 months
- Choose the colour of your credit card from red, silver, purple or black
- Exclusive discounts across the Virgin group (Virgin Holidays, Virgin Wines,Virgin Active, Virgin Experiences and Virgin Balloon Flights).
|
26months
0% interest
on transfers
(2.99% fee)
|
6months
0% interest
on purchases
|
17.9%
APR
|
|
|
Representative example: When you spend £1,200 at a rate of 17.9% (variable) per annum, your Representative APR is 17.9% APR (variable).
|
|
6
|
NatWest Platinum with Balance Transfer
- A NatWest credit card with a lengthy 2 years 0% balance transfer period (2.65% fee, min £5).
- 0% interest on purchases for 6 months.
- Save money with a range of retailers when you spend.
|
26months
0% interest
on transfers
(2.65% fee)
|
6months
0% interest
on purchases
|
18.9%
APR
|
|
|
Representative example: When you spend £1,200 at a rate of 18.95% (variable) per annum, your Representative APR is 18.9% APR (variable).
|
|
7
|
Barclaycard Initial
- Limited offer - 0% on purchases for 5 months from account opening. Offer ends 30th June
- Start with a low, manageable credit limit that Barclaycard may later review and increase
- You are unlikely to be accepted if you have missed payments or had a CCJ in the past 12 months
|
n/a
|
5months
0% interest
on purchases
|
29.9%
APR
|
|
|
Representative example: When you spend £1,200 at a rate of 29.9% (variable) per annum, your Representative APR is 29.9% APR (variable).
|
|
8
|
Tesco Bank Clubcard credit card with no Balance Transfer Fee
- No fee to transfer a balance
- 12 months 0% interest on balance transfers and purchases
- Earn Clubcard points on your spending: One point awarded for every £4 spent in each purchase transaction (£4 min) - must have available credit
|
12months
0% interest
on transfers
(0% fee)
|
12months
0% interest
on purchases
|
16.9%
APR
|
|
|
Representative example: When you spend £1,200 at a rate of 16.945% (variable) per annum, your Representative APR is 16.9% APR (variable).
|
|
9
|
Halifax Balance Transfer Credit Card
- Over 2 years 0% interest on balance transfers.
- Transfers can be made from most credit and some store cards, excluding other Halifax or Bank of Scotland products.
- 3% balance transfer fee reduced to 2.5% (via a 0.5% refund)
- 0% on purchases for 3 months.
|
25months
0% interest
on transfers
(2% fee)
|
3months
0% interest
on purchases
|
18.9%
APR
|
|
|
Representative example: When you spend £1,200 at a rate of 18.95% (variable) per annum, your Representative APR is 18.9% APR (variable).
|
|
10
|
Vanquis Bank Aquis Visa
- The Vanquis Bank Aquis credit card comes with one of the lowest APRs in the credit builder market.
- Your credit limit increases in stages up to a maximum of £3,000.
|
n/a
|
n/a
|
29.8%
APR
|
|
|
Representative example: When you spend £1,000 at a rate of 29.84% (variable) per annum, your Representative APR is 29.8% APR (variable).
|
|
11
|
Tesco Bank Clubcard Credit Card for Balance Transfer
- 25 months 0% interest on balance transfers and 3 months 0% interest on purchases
- Earn Clubcard points on all your spending - 1 point awarded per £4 spent
|
25months
0% interest
on transfers
(2.9% fee)
|
3months
0% interest
on purchases
|
16.9%
APR
|
|
|
Representative example: When you spend £1,200 at a rate of 16.945% (variable) per annum, your Representative APR is 16.9% APR (variable).
|
|
12
|
Barclaycard Platinum with 26 Months Balance Transfer
- Limited June Offer - A refund reduces your BT fee from 3.50% to 2.47% (terms and conditions apply)
- 0% interest on purchases for the first 6 months.
|
26months
0% interest
on transfers
(2.47% fee)
|
6months
0% interest
on purchases
|
18.9%
APR
|
|
|
Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your Representative APR is 18.9% APR (variable).
|
|
13
|
Halifax All in One Credit Card
- Multi-purpose Halifax credit card offering 0% on purchases for up to 15 months.
- 0% on balance transfers for up to 15 months.
- Limited Offer. 3% balance transfer fee was reduced to 1% (via a 2% refund). Apply before 25 June.
|
15months
0% interest
on transfers
(1% fee)
|
15months
0% interest
on purchases
|
17.9%
APR
|
|
|
Representative example: When you spend £1,200 at a rate of 17.95% (variable) per annum, your Representative APR is 17.9% APR (variable).
|
|
14
|
RBS Platinum Credit Card MasterCard
- An RBS credit card with a competitive 0% balance transfer period (2.65% fee, min £5).
- 0% interest on purchases for 6 months.
|
26months
0% interest
on transfers
(2.65% fee)
|
6months
0% interest
on purchases
|
18.9%
APR
|
|
|
Representative example: When you spend £1,200 at a rate of 18.95% (variable) per annum, your Representative APR is 18.9% APR (variable).
|
|
15
|
MBNA Everyday Credit Card Visa
- 0% on balance transfers for 18 months
from account opening (with a low 1.99% handling fee). Balance needs to be transferred within the first 60 days of account opening.
- 0% on card purchases for 8 months.
|
18months
0% interest
on transfers
(1.99% fee)
|
8months
0% interest
on purchases
|
12.9%
APR
|
|
|
Representative example: When you spend £1,200 at a rate of 12.9% (variable) per annum, your Representative APR is 12.9% APR (variable).
|
|
16
|
aqua Classic Credit Card
- Initial credit limit of £250 to £1,600 and a possible increase after 4 months.
- Aqua accept people who have had CCJs or are on a low income.
- Free Aqua credit checker worth up to £80.
- A 60 second response.
|
n/a
|
n/a
|
39.9%
APR
|
|
|
Representative example: When you spend £1,200 at a rate of 39.95% (variable) per annum, your Representative APR is 39.9% APR (variable).
|
|
17
|
aqua Advance Credit Card
- Offers the chance to cut your APR by 5% a year over 3 years - you could end up with a much reduced APR of 19.9%.
- Maximum credit limit of £1,600 applies.
- Aqua accept people who have had CCJs or are on a low income.
- Free Aqua credit checker worth up to £80.
- No foreign exchange fees.
- A 60 second response.
|
n/a
|
n/a
|
34.9%
APR
|
|
|
Representative example: When you spend £1,200 at a rate of 34.92% (variable) per annum, your Representative APR is 34.9% APR (variable).
|
|
18
|
Vanquis Bank Visa
- Credit limit increases after the first 4 months and raises every 4 months thereafter.
- Maximum credit limit of £3,000.
|
n/a
|
n/a
|
39.9%
APR
|
|
|
Representative example: When you spend £1,000 at a rate of 39.94% (variable) per annum, your Representative APR is 39.9% APR (variable).
|
|
19
|
Tesco Bank Clubcard Credit Card for Purchases
- 0% on purchases for 16 months and 1 point for every £4 spent in each purchase transaction (£4 min). Must have available credit.
- 0% on balance transfers for 9 months.
|
9months
0% interest
on transfers
(2.9% fee)
|
16months
0% interest
on purchases
|
16.9%
APR
|
|
|
Representative example: When you spend £1,200 at a rate of 16.945% (variable) per annum, your Representative APR is 16.9% APR (variable).
|
|
20
|
Nationwide Building Society Select Credit Card
- Low APR of 12.9%.
- Nationwide credit card perks include commission-free purchases abroad and 0.5% cashback on pound sterling purchases.
- Only available to Nationwide FlexAccount customers.
|
20months
0% interest
on transfers
(3.1% fee)
|
12months
0% interest
on purchases
|
12.9%
APR
|
|
|
Representative example: When you spend £1,200 at a rate of 12.9% (variable) per annum, your Representative APR is 12.9% APR (variable).
|
|
21
|
Santander Credit Card
- A Santander credit card aimed at transferring balances from other cards.
- 0% on transfers for 17 months.
- 0% on purchases for the first 3 months.
|
17months
0% interest
on transfers
(3% fee)
|
3months
0% interest
on purchases
|
17.9%
APR
|
|
|
Representative example: When you spend £1,200 at a rate of 17.9% (variable) per annum, your Representative APR is 17.9% APR (variable).
|
|
22
|
Royal Bank of Scotland Platinum with Low Balance transfer fee
- The lowest transfer fee in the market at just 1%.
- 0% on balance transfers for 13 months and 0% on puchases for 6 months.
|
13months
0% interest
on transfers
(1% fee)
|
6months
0% interest
on purchases
|
18.9%
APR
|
|
|
Representative example: When you spend £1,200 at a rate of 18.95% (variable) per annum, your Representative APR is 18.9% APR (variable).
|
|
23
|
RBS YourPoints World MasterCard
- 15 months 0% interest on purchases
- 15 months 0% interest on balance transfers
- Earn double YourPoints per £1 spent for 15 months from account opening with 2,500 bonus points when you open an account
|
15months
0% interest
on transfers
(2.9% fee)
|
15months
0% interest
on purchases
|
16.9%
APR
|
|
|
Representative example: When you spend £1,200 at a rate of 16.95% (variable) per annum, your Representative APR is 16.9% APR (variable).
|
|
24
|
Nationwide Building Society Credit Card with Balance Transfer
- 0% on balance transfers for 20 months.
- 0% interest on purchases for the first 3 months.
- A low rate of 15.9% APR Representative (variable).
- Commission-free purchases abroad when you build up your allowance through spend in UK sterling.
|
20months
0% interest
on transfers
(3.1% fee)
|
3months
0% interest
on purchases
|
15.9%
APR
|
|
|
Representative example: When you spend £1,200 at a rate of 15.9% (variable) per annum, your Representative APR is 15.9% APR (variable).
|
|
25
|
Post Office Platinum MasterCard
- With 0% interest on balance transfers for 14 months.
- No charges for overseas purchases.
- No cash fee when purchasing Post Office® Travel Money.
|
14months
0% interest
on transfers
(2.98% fee)
|
3months
0% interest
on purchases
|
16.9%
APR
|
|
|
Representative example: When you spend £1,200 at a rate of 16.9% (variable) per annum, your Representative APR is 16.9% APR (variable).
|
|
26
|
NatWest YourPoints World MasterCard
- 15 months 0% interest on purchases
- 15 months 0% interest on balance transfers
- Earn double YourPoints per £1 spent for 15 months from account opening with 2,500 bonus points when you open an account
|
15months
0% interest
on transfers
(2.9% fee)
|
15months
0% interest
on purchases
|
16.9%
APR
|
|
|
Representative example: When you spend £1,200 at a rate of 16.95% (variable) per annum, your Representative APR is 16.9% APR (variable).
|
|
27
|
Sainsbury's Bank Cashback Credit Card
- Top cashback card offering 5% cashback on Sainsbury's shopping for the first 3 months.
- 0% on balance transfers for 15 months.
- 0% interest on purchases for 6 months.
|
15months
0% interest
on transfers
(3% fee)
|
6months
0% interest
on purchases
|
17.9%
APR
|
|
|
Representative example: When you spend £1,200 at a rate of 17.95% (variable) per annum, your Representative APR is 17.9% APR (variable).
|
|
28
|
NatWest Platinum with Low Balance Transfer Fee
- The lowest transfer fee in the market at just 1%.
- 0% on balance transfers for 13 months.
- 0% on puchases for 6 months.
|
13months
0% interest
on transfers
(1% fee)
|
6months
0% interest
on purchases
|
18.9%
APR
|
|
|
Representative example: When you spend £1,200 at a rate of 18.95% (variable) per annum, your Representative APR is 18.9% APR (variable).
|
|
29
|
Barclaycard Platinum 18 Month Balance Transfer Visa
- Designed for people with a limited credit history
- Limited June offer - A refund reduces your BT fee from 2.90% to 2.47% (terms and conditions apply)
- You are unlikely to be accepted if you have defaulted on a payment or received a CCJ in the last 2 years
|
18months
0% interest
on transfers
(2.47% fee)
|
3months
0% interest
on purchases
|
24.9%
APR
|
|
|
Representative example: When you spend £1,200 at a rate of 24.9% (variable) per annum, your Representative APR is 24.9% APR (variable).
|
|
30
|
Barclaycard Platinum with Low Transfer Fee
- Limited June offer -a refund reduces your BT fee from 1.50% to 1.28% (terms and conditions apply)
- 0% interest on purchases for 3 months.
|
16months
0% interest
on transfers
(1.28% fee)
|
3months
0% interest
on purchases
|
18.9%
APR
|
|
|
Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your Representative APR is 18.9% APR (variable).
|
|
31
|
Lloyds TSB Advance Online MasterCard
- A low interest Lloyds TSB credit card geared towards shoppers.
- 0% on purchases for the first 6 months.
|
12months
4.9% interest
on transfers
(3% fee)
|
6months
0% interest
on purchases
|
11.9%
APR
|
|
|
Representative example: When you spend £1,200 at a rate of 11.95% (variable) per annum, your Representative APR is 11.9% APR (variable).
|
|
32
|
Sainsbury's Bank Nectar Credit Card
- The Nectar credit card is primarily a reward card offering Nectar points on Sainsbury's shopping.
- 0% on balance transfers for 15 months.
- 0% interest on purchases for 6 months.
|
15months
0% interest
on transfers
(3% fee)
|
6months
0% interest
on purchases
|
17.9%
APR
|
|
|
Representative example: When you spend £1,200 at a rate of 17.95% (variable) per annum, your Representative APR is 17.9% APR (variable).
|
|
33
|
Capital One Aspire World MasterCard
- Designed for people with an excellent credit history.
- Earn up to 1.25% cashback on all your spending in Pounds Sterling.
- Pay no fees on purchases in foreign currencies.
- No annual fee.
|
n/a
|
n/a
|
19.9%
APR
|
|
|
Representative example: When you spend £12,000 at a rate of 19.94% (variable) per annum, your Representative APR is 19.9% APR (variable).
|
|
34
|
Capital One Classic Extra
- 0.5% cashback on all your purchases with no annual fee to pay.
- Geared towards building your credit rating, with a maximum credit limit of £1,500.
|
n/a
|
n/a
|
34.9%
APR
|
|
|
Representative example: When you spend £1,200 at a rate of 34.94% (variable) per annum, your Representative APR is 34.9% APR (variable).
|
|
35
|
Sainsbury's Bank Nectar Low Rate Credit Card
- Collect 10 Nectar points per £1 on Sainsbury's shopping for the first 3 months.
- Collect 4 Nectar points per £1 on Sainsbury's shopping after the first 3 months.
- Low APR of 7.8%.
- No annual fee.
|
n/a
|
n/a
|
7.8%
APR
|
|
|
Representative example: When you spend £1,200 at a rate of 7.84% (variable) per annum, your Representative APR is 7.8% APR (variable).
|
|
36
|
Barclaycard Freedom Rewards
- Limited June offer: a refund reduces your BT fee from 2.90% to 2.47% (terms and conditions apply)
- A reward card offering 10,500 bonus Freedom points - worth £30 when you spend £500 or more in your first 3 months.
- 0% on balance transfers for 9 months.
|
9months
0% interest
on transfers
(2.47% fee)
|
n/a
|
18.9%
APR
|
|
|
Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your Representative APR is 18.9% APR (variable).
|
|
37
|
Barclaycard Platinum with 14 months on Purchases
- Offers 0% on purchases and balance transfers for 14 months
- Limited June offer - A refund reduces your BT fee from 2.90% to 2.47% (terms and conditions apply)
|
14months
0% interest
on transfers
(2.47% fee)
|
14months
0% interest
on purchases
|
18.9%
APR
|
|
|
Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your Representative APR is 18.9% APR (variable).
|
|
38
|
Barclaycard High 5 Cashback card
- Limited June Offer - no annual fee for one year (was £24)
- 2% cashback on top 5 purchases and 0.5% on everything else
- 6% cashback on top 5 purchases in the first 3 months
|
9months
0% interest
on transfers
(2.9% fee)
|
n/a
|
24.8%
APR
|
|
|
Representative example: When you spend £1,200 at a rate of 19.9% (variable) per annum, with a £24 annual fee, your Representative APR is 24.8% APR (variable).
|
|
39
|
Winner - Best Email Customer Service.
American Express Platinum Cashback Card
- Earn 5% cashback on up to £2,000 of purchases in your first 3 months.
- A cashback rate of 1.25% applies on all spending thereafter.
- Annual fee of £25.
|
n/a
|
n/a
|
18.7%
APR
|
|
|
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 18.7% APR (variable).
|
|
40
|
NatWest Low Rate Credit Card Visa
- As with the RBS credit card, this card offers 0% interest on purchases for 6 months.
- Balance transfers limited to 95% of the credit limit - if your card has a limit of £2,000, you could switch up to £1,900.
- Applicants need to have excellent credit ratings to apply.
|
12months
2.9% interest
on transfers
(0% fee)
|
6months
0% interest
on purchases
|
9.9%
APR
|
|
|
Representative example: When you spend £1,200 at a rate of 9.95% (variable) per annum, your Representative APR is 9.9% APR (variable).
|
|
41
|
Winner - Best Email Customer Service.
British Airways American Express Card
- The British Airways American Express card gives you 1 Avios point for virtually every £1 spent.
- Get 9,000 bonus Avios points if you spend £1,000 in the first 3 months.
- No annual fee.
|
n/a
|
n/a
|
15.9%
APR
|
|
|
Representative example: When you spend £1,200 at a rate of 15.9% (variable) per annum, your Representative APR is 15.9% APR (variable).
|
|
42
|
Winner - Best Email Customer Service.
The Starwood Preferred Guest® Credit Card from American Express
- A reward card offering complimentary hotel and flight bookings with a higher than average £75 annual fee.
- Welcome bonus of 20,000 Starpoints if you spend £1,000 in the first 3 months - enough for 5 free nights in a top class hotel.
|
n/a
|
n/a
|
36.2%
APR
|
|
|
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 36.2% APR (variable).
|
|
43
|
Winner - Best Email Customer Service.
British Airways American Express Premium Plus
- 1.5 Avios points for virtually every £1 spent and 3 Avios for virtually every £1 you spend directly with British Airways on BA flights and holidays.
- Get 25,000 bonus Avios if you £3,000 spend in the first 3 months.
- Annual fee of £150 applies.
|
n/a
|
n/a
|
56.4%
APR
|
|
|
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 56.4% APR (variable).
|
|
44
|
Sainsbury's Bank Cashback Low Rate Credit Card
- 5% cashback on Sainsbury's shopping for the first 3 months.
- £5 cashback each month when you spend £250 per month on Sainsbury's shopping and another £250 per month elsewhere.
- Low APR of 7.8%.
- No annual fee.
|
n/a
|
n/a
|
7.8%
APR
|
|
|
Representative example: When you spend £1,200 at a rate of 7.84% (variable) per annum, your Representative APR is 7.8% APR (variable).
|
|
45
|
RBS Low Rate Credit Card Visa
- This low APR card offers 0% interest on purchases for 6 months.
- Balance transfers limited to 95% of the credit limit, so if your card has a limit of £2,000, you could switch up to £1,900.
- Applicants need to have excellent credit ratings to apply.
|
12months
2.9% interest
on transfers
(0% fee)
|
6months
0% interest
on purchases
|
9.9%
APR
|
|
|
Representative example: When you spend £1,200 at a rate of 9.95% (variable) per annum, your Representative APR is 9.9% APR (variable).
|
|
46
|
MBNA More Rewards Credit Card Account
- Two cards and one account - earn rewards points for every purchase you make.
- 2 points for every pound you spend on the Amex and 1 point for every pound you spend on the Visa card.
- Double points for the first 90 days.
- You will be charged the following handling fees on standard rate transactions - Balance transfers: 5%, £5 minimum. Money transfers: 5%, £5 minimum.
|
n/a
|
n/a
|
12.9%
APR
|
|
|
Representative example: When you spend £1,200 at a rate of 12.9% (variable) per annum, your Representative APR is 12.9% APR (variable).
|
|
47
|
Lloyds TSB Duo Avios Credit Card
- You receive two cards - one American Express and one MasterCard.
- Collect 1 Avios for every £1 spent on the Amex card, 1 Avios for every £5 spent on the MasterCard and double Avios on your spend aboard.
- Limited Offer. Apply by 15 September 2013 and spend £500 a month for the first 3 months on the Amex card to get a 15,000 Avios bonus - enough for a return flight.
- No annual fee.
|
6months
0% interest
on transfers
(3% fee)
|
n/a
|
17.9%
APR
|
|
|
Representative example: When you spend £1,200 at a rate of 17.95% (variable) per annum, your Representative APR is 17.9% APR (variable).
|
|
48
|
Santander 123 Credit Card MasterCard
- 3% cashback at major petrol station, on National Rail and TFL purchases, 2% cashback at major department stores and 1% cashback at major supermarkets.
- Limited Offer. No annual fee for the first year. If you already have, or open a new, 123 Current Account, we'll refund the first year's annual fee on your 123 Credit Card. Offer valid until 31/12/2013..
|
n/a
|
n/a
|
22.8%
APR
|
|
|
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).
|
|
49
|
Barclaycard Platinum 15 Month Low Rate Visa
- A low 2.9% interest on balance transfers for 15 months from account opening
- Limited June offer - No balance transfer fee
- 0% interest on purchases for 6 months from account opening
|
15months
2.9% interest
on transfers
(0% fee)
|
6months
0% interest
on purchases
|
18.9%
APR
|
|
|
Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your Representative APR is 18.9% APR (variable).
|
|
50
|
Capital One Aspire Elite MasterCard
- A Capital One credit card aimed at big spenders - 5% cashback on all purchases for the first 3 months (max £200 cashback).
- Cashback rate of up to 2% applies thereafter.
- Annual card fee of £120.
|
n/a
|
n/a
|
19.9%
APR
|
|
|
Representative example: When you spend £12,000 at a rate of 17.57% (variable) per annum, with a £120 annual fee, your Representative APR is 19.9% APR (variable).
|
|
51
|
Lloyds TSB Premier Duo Avios Credit Card
- You receive two cards - one American Express and one MasterCard.
- Collect 1.25 Avios for every £1 spent on the Amex card, 1.25 Avios for every £5 spent on the MasterCard and double Avios on your spend aboard.
- Limited Offer. Apply by 15 September 2013 and spend £500 a month for the first 3 months on the Amex card to get a 20,000 Avios bonus - enough for 2 return flights.
- Annual fee of £50 applies.
|
6months
0% interest
on transfers
(3% fee)
|
n/a
|
23.7%
APR
|
|
|
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 23.7% APR (variable).
|
|
52
|
Winner - Best Email Customer Service.
The American Express Nectar Credit Card
- 10,000 Nectar bonus points when you spend and charge £1,000 to your account in your first 3 months.
- 2 points for virtually every full £1 spent elsewhere.
- £25 annual fee applies.
|
n/a
|
n/a
|
25.0%
APR
|
|
|
Representative example: When you spend £1,200 at a rate of 19.9% (variable) per annum, with a £25 annual fee, your Representative APR is 25.0% APR (variable).
|
|
53
|
Black Diamond Credit Card
- This credit building card comes with an initial credit limit of £150 to £1,000 and no monthly or annual fees.
- High APR of 59.9%.
|
n/a
|
n/a
|
59.9%
APR
|
|
|
Representative example: When you spend £250 at a rate of 59.94% (variable) per annum, your Representative APR is 59.9% APR (variable).
|
|
54
|
Top three - Customer Satisfaction, Most Recommended, Most Trusted, Online Account Management.
The Co-operative Bank Platinum Fixed Rate Visa
- This Co-operative Bank credit card offers a low rate of 9.9% which is fixed for 5 years.
- No annual fee applies.
|
n/a
|
n/a
|
9.9%
APR
|
|
|
Representative example: When you spend £1,200 at a rate of 9.9% (variable) per annum, your Representative APR is 9.9% APR (variable).
|
|
55
|
Best Overall Credit Card Provider. Category wins: Satisfaction, Trust, Recommendation, Value for Money, Cashback and Rewards, Communication.
John Lewis and Waitrose partnership MasterCard
- 1 point for every £1 spent in-store or online at John Lewis and Waitrose.
- 1 point for every £2 spent elsewhere, and every 500 points earned is worth £5 in vouchers.
|
6months
0% interest
on transfers
(2.5% fee)
|
6months
0% interest
on purchases
|
16.9%
APR
|
|
|
Representative example: When you spend £1,200 at a rate of 16.9% (variable) per annum, your Representative APR is 16.9% APR (variable).
|
