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Check your eligibility for credit cards

See if you are likely to get a credit card - it's quick, free, and won't affect your credit score.

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Barclaycard Platinum 37 Month Balance Transfer

Barclaycard Platinum 37 Month Balance Transfer

Limited Offer
2016 award winner

Barclaycard Platinum 37 Month Balance Transfer

  • 3.5% transfer fee refunded to 1.44% within 2 working days
  • More than three years 0% on balance transfers and six months 0% on purchases
  • Semi-Exclusive - only available through selected sites
18.9% APR
Representative (variable)
27.9%
Cash advance rate
2.99%
Fee on cash advances
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 21 or older
  • have a good credit rating
  • best suited to customers with an income of £20,000
  • no balance transfers from Barclays Bank PLC, Barclays Group companies, or Partnership credit cards

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable)
Barclaycard Platinum 32 Month Balance Transfer Visa Credit Card

Barclaycard Platinum 32 Month Balance Transfer Visa Credit Card

2016 award winner

Barclaycard Platinum 32 Month Balance Transfer Visa Credit Card

  • 32 months 0% on balance transfers
  • 3.5% transfer fee refunded to 0.63% within 2 working days
  • Six months 0% on purchases
18.9% APR
Representative (variable)
27.9%
Cash advance rate
2.99%
Fee on cash advances
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 21 or older
  • have a good credit rating
  • best suited to customers with an income of £20,000
  • no balance transfers from Barclays Bank PLC, Barclays Group companies, or Partnership credit cards

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable)
Barclaycard Platinum 18 Month Balance Transfer Visa Credit Card

Barclaycard Platinum 18 Month Balance Transfer Visa Credit Card

2016 award winner

Barclaycard Platinum 18 Month Balance Transfer Visa Credit Card

  • 0% on balance transfers for 18 months;
  • 2.99% balance transfer fee, 0% on purchases for three months
24.9% APR
Representative (variable)
24.85%
Cash advance rate
2.99%
Fee on cash advances
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 21 or older
  • have a good credit rating
  • have no history of bankruptcy
  • have no Country Court Judgements (past 5 years)
  • no balance transfers from Barclays Bank PLC, Barclays Group companies, or Partnership credit cards

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 22.44% (variable) per annum, your representative APR is 24.9% APR (variable)
Barclaycard Initial Credit Card

Barclaycard Initial Credit Card

Limited Offer
2016 award winner

Barclaycard Initial Credit Card

  • 3 months 0% on purchases
34.9% APR
Representative (variable)
34.9%
Cash advance rate
2.99%
Fee on cash advances
Can I get this card?
?
To get this card you must at least:
  • be employed and earning at least £3000 annually
  • be over 18 and have had credit in the UK and a permanent UK address for three months
  • have no County Court Judgements (CCJs) for non-payment of debt
  • have no recent record of missed bill payments

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 34.9% (variable) per annum, your representative APR is 34.9% APR (variable)
Capital One Classic Platinum MasterCard

Capital One Classic Platinum MasterCard

Capital One Classic Platinum MasterCard

  • Designed to help improve your credit rating
  • Up to two optional credit limit increases per year
  • Apply and get a response in 60 seconds
29.8% APR
Representative (variable)
29.8%
Cash advance rate
3.0%
Fee on cash advances
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have had credit in the UK before
  • have had no bankruptcies in the past 12 months

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 29.84% (variable) per annum, your representative APR is 29.8% APR (variable)
M&S Credit Card

M&S Credit Card

M&S Credit Card

  • 25 months 0% on purchases; 25 months 0% on balance transfers (2.9% fee)
  • 500 M&S points voucher worth £5 for select M&S spending
  • 1 M&S point per £1 spent instore, 1 point per £5 spent elsewhere
18.9% APR
Representative (variable)
23.9%
Cash advance rate
2.99%
Fee on cash advances
Can I get this card?
?
To get this card you must at least:
  • have a good credit rating
  • be 18 or older
  • be a permanent UK resident

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable)
Bank of Scotland Platinum 40 Month Balance Transfer

Bank of Scotland Platinum 40 Month Balance Transfer

Bank of Scotland Platinum 40 Month Balance Transfer

  • 40 months 0% on balance transfers made in first 90 days
  • 3% transfer fee refunded to 1.94% within 90 days of transaction date
  • Six months 0% on purchases
18.9% APR
Representative (variable)
18.95%
Cash advance rate
3.0%
Fee on cash advances
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • no balance transfers from Lloyds Bank plc or Bank of Scotland plc

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 18.95% (variable) per annum, your representative APR is 18.9% APR (variable)
Halifax 41 Month Balance Transfer Credit Card

Halifax 41 Month Balance Transfer Credit Card

2016 award winner

Halifax 41 Month Balance Transfer Credit Card

  • 41 months 0% on balance transfers
  • 3.18% effective transfer fee (initial 3.5% fee, 0.3% refunded after 90 days)
18.9% APR
Representative (variable)
18.95%
Cash advance rate
3.0%
Fee on cash advances
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 18.95% (variable) per annum, your representative APR is 18.9% APR (variable)
Lloyds Bank Platinum 40 Month BT MasterCard

Lloyds Bank Platinum 40 Month BT MasterCard

Lloyds Bank Platinum 40 Month BT MasterCard

  • 40 months 0% on balance transfers made in first 90 days
  • 3% transfer fee refunded to 1.94% within 90 days of transaction date
  • Six months 0% on new purchases
18.9% APR
Representative (variable)
18.94%
Cash advance rate
3.0%
Fee on cash advances
Can I get this card?
?
To get this card you must at least:
  • have no Country Court Judgements (past 5 years)
  • aged 18 or older
  • be a resident of the UK
  • have regular income
  • no balance transfers from Lloyds Bank plc or Bank of Scotland plc

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 18.94% (variable) per annum, your representative APR is 18.9% APR (variable)
Nationwide Select Credit Card

Nationwide Select Credit Card

Nationwide Select Credit Card

  • Nationwide current account customers only
  • 15 months 0% on purchases & 26 months 0% on balance transfers (2.4% fee)
  • 0.5% cashback on all sterling purchases & no foreign transaction fees
15.9% APR
Representative (variable)
27.9%
Cash advance rate
2.5%
Fee on cash advances
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • have an income of £5,000 or more
  • be an existing Nationwide current account customer
  • no balance transfers from Nationwide credit cards

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 15.9% (variable) per annum, your representative APR is 15.9% APR (variable)
Sainsbury's Bank No Balance Transfer Fee Credit Card

Sainsbury's Bank No Balance Transfer Fee Credit Card

Sainsbury's Bank No Balance Transfer Fee Credit Card

  • Offer only available until 29 Dec 2016
  • 0% balance transfer fee on transfers made in the first 3 months (3% thereafter, £3 minimum fee)
18.9% APR
Representative (variable)
25.95%
Cash advance rate
3.0%
Fee on cash advances
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • not have been declined for credit in the last month
  • not be an existing Sainsbury's Bank Credit Card holder

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 18.95% (variable) per annum, your representative APR is 18.9% APR (variable)
Tesco Bank 24 Month Clubcard Credit Card with 0% Balance Transfer Fee

Tesco Bank 24 Month Clubcard Credit Card with 0% Balance Transfer Fee

Tesco Bank 24 Month Clubcard Credit Card with 0% Balance Transfer Fee

  • The 0% offer applies to any balances transferred within the first 90 days of opening your account
  • Earn Clubcard points wherever you use the card plus the usual points in Tesco. Terms apply
  • Online application decision in 60 seconds
18.9% APR
Representative (variable)
24.94%
Cash advance rate
3.0%
Fee on cash advances
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • no balance transfers from Tesco Bank credit cards

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 18.941% (variable) per annum, your representative APR is 18.9% APR (variable)
Tesco Bank Clubcard Credit Card for 40 Month Balance Transfer

Tesco Bank Clubcard Credit Card for 40 Month Balance Transfer

Tesco Bank Clubcard Credit Card for 40 Month Balance Transfer

  • Earn Clubcard points wherever you use the card plus the usual points in Tesco. Terms apply
  • 0% offer is applied to any balances or money transferred within the first 90 days of opening your account.
18.9% APR
Representative (variable)
24.94%
Cash advance rate
3.0%
Fee on cash advances
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • no balance transfers from Tesco Bank credit cards

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 18.941% (variable) per annum, your representative APR is 18.9% APR (variable)
Vanquis Bank Visa Credit Card

Vanquis Bank Visa Credit Card

Vanquis Bank Visa Credit Card

  • Up to 56 days interest free on purchases
  • SMS and online account management
  • Designed to help rebuild a poor credit rating
39.9% APR
Representative (variable)
49.94%
Cash advance rate
3.0%
Fee on cash advances
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have not had bankruptcies in the last 12 months
  • not available to applicants who already hold a credit card provided by Vanquis Bank

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,000 at a rate of 39.94% (variable) per annum, your representative APR is 39.9% APR (variable)
Vanquis Bank Aquis Visa Credit Card

Vanquis Bank Aquis Visa Credit Card

Vanquis Bank Aquis Visa Credit Card

  • Up to 56 days interest free on purchases
  • SMS and online account management
  • Designed to help build your credit rating
29.8% APR
Representative (variable)
39.94%
Cash advance rate
3.0%
Fee on cash advances
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have not had bankruptcies in the last 12 months
  • not available to applicants who already hold a credit card provided by Vanquis Bank

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,000 at a rate of 29.84% (variable) per annum, your representative APR is 29.8% APR (variable)
Black Diamond Credit Card by Vanquis

Black Diamond Credit Card by Vanquis

Black Diamond Credit Card by Vanquis

  • Credit limit increase possible after fifth statement, further increases every five months, up to £3,500
  • Designed to help build your credit rating
  • Up to 56 days interest free credit on purchases
59.9% APR
Representative (variable)
69.94%
Cash advance rate
3.0%
Fee on cash advances
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have not had bankruptcies in the last 12 months
  • not hold any Vanquis credit cards

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £250 at a rate of 59.94% (variable) per annum, your representative APR is 59.9% APR (variable)
Nationwide Credit Card Purchase Visa

Nationwide Credit Card Purchase Visa

Nationwide Credit Card Purchase Visa

  • 12 months 0% on purchases & 12 months 0% on balance transfers (0% fee for three months, 2.4% thereafter)
  • Commission-free allowance abroad
  • Access to exclusive deals with Simply Rewards
17.9% APR
Representative (variable)
27.9%
Cash advance rate
2.5%
Fee on cash advances
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 17.9% (variable) per annum, your representative APR is 17.9% APR (variable)
aqua Start Credit Card

aqua Start Credit Card

aqua Start Credit Card

  • Text reminders to help you stay in control
  • Designed to help build your credit rating
  • Unlimited access to your credit report
49.9% APR
Representative (variable)
59.95%
Cash advance rate
3.0%
Fee on cash advances
Can I get this card?
?
To get this card you must at least:
  • be 18 or older
  • have a permanent UK address
  • have a UK current bank or building society account
  • not be registered bankrupt in past 18 months or have proceedings
  • have no Country Court Judgements (past 12 months)

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £300 at a rate of 49.9% (variable) per annum, your representative APR is 49.9% APR (variable)
Barclaycard Hilton HHonors Platinum Credit Card

Barclaycard Hilton HHonors Platinum Credit Card

2016 award winner

Barclaycard Hilton HHonors Platinum Credit Card

  • 2500 points for first 4 Hilton hotel stays (terms apply)
  • Three points for every £1 spent at Hilton hotels; two points for £1 spent elsewhere
  • Spend £750 in first 90 days get free hotel stay (terms apply)
  • 0% on balance transfers for 15 months (2.99% fee applies)
18.9% APR
Representative (variable)
27.9%
Cash advance rate
2.99%
Fee on cash advances
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 21 or older
  • have a good credit rating
  • no balance transfers from Barclays Bank PLC, Barclays Group companies, or Partnership credit cards

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable)
Post Office Platinum MasterCard

Post Office Platinum MasterCard

Post Office Platinum MasterCard

  • 22 months 0% on balance transfers (no transfer fee)
  • 3 months 0% on purchases
  • No foreign transaction fees & no cash advance fee when you purchase Post Office Travel Money
17.8% APR
Representative (variable)
27.9%
Cash advance rate
2.5%
Fee on cash advances
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • No balance transfers from Post Office or Bank of Ireland (UK) plc credit cards

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 17.8% (variable) per annum, your representative APR is 17.8% APR (variable)
Post Office Matched Credit Card

Post Office Matched Credit Card

Post Office Matched Credit Card

  • 16 months 0% on balance transfers and 27 months 0% on purchases
  • Add up to three additional cardholders for free
  • No cash advance fee when you purchase Post Office Travel Money
18.9% APR
Representative (variable)
27.9%
Cash advance rate
2.5%
Fee on cash advances
Can I get this card?
?
To get this card you must at least:
  • be 18 or older
  • be a UK resident
  • have a current bank or building society account
  • not be an existing Post Office cardholder
  • have an annual income over £8,000 (excl. unemployment benefits)
  • have no outstanding County Court Judgements (CCJs)
  • No balance transfers from Post Office or Bank of Ireland (UK) plc credit cards

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable)
Capital One Balance Transfer Card

Capital One Balance Transfer Card

Capital One Balance Transfer Card

  • 0% interest on balance transfers for 6 months, with a balance transfer fee of 3%
  • Credit limit of £200 to £1,500
  • Online response in 60 seconds
34.9% APR
Representative (variable)
34.9%
Cash advance rate
3.0%
Fee on cash advances
Can I get this card?
?
To get this card you must at least:
  • be 18 or older
  • not been declared bankrupt in the last 12 months
  • not had any CCJs or defaults in the last 12 months
  • no transfers from Capital One

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 34.94% (variable) per annum, your representative APR is 34.9% APR (variable)
HSBC Credit Card

HSBC Credit Card

HSBC Credit Card

  • 0% interest on purchases for 3 months
  • 0% on balance transfers for 32 months
  • The APR is dependent on your personal circumstances
18.9% APR
Representative (variable)
23.9%
Cash advance rate
2.99%
Fee on cash advances
Can I get this card?
?
To get this card you must at least:
  • have an annual income/pension before tax of £8,500 or more
  • be a resident of the UK, Channel Islands or Isle of Man
  • be over 18
  • no balance transfers from HSBC, First Direct, Marks and Spencer or John Lewis

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable)
Barclaycard Platinum 24 Month Balance Transfer

Barclaycard Platinum 24 Month Balance Transfer

2016 award winner

Barclaycard Platinum 24 Month Balance Transfer

  • 24 months 0% on balance transfers
  • 3.5% transfer fee refunded to 0% within 2 working days
18.9% APR
Representative (variable)
27.9%
Cash advance rate
2.99%
Fee on cash advances
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 21 or older
  • have a good credit rating
  • best suited to customers with an income of £20,000
  • no balance transfers from Barclays Bank PLC, Barclays Group companies, or Partnership credit cards

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable)
Halifax 32 Month Balance Transfer Credit Card

Halifax 32 Month Balance Transfer Credit Card

2016 award winner

Halifax 32 Month Balance Transfer Credit Card

  • 0.7% balance transfer fee within 90 days of account opening (3% thereafter)
  • Manage your card online using Online Banking and Mobile Banking
  • 12 months 0% on purchases
18.9% APR
Representative (variable)
18.9%
Cash advance rate
3.0%
Fee on cash advances
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • no balance transfers from Lloyds Bank plc or Bank of Scotland plc

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable)
Sainsbury's Bank 33 month Balance Transfer Credit Card

Sainsbury's Bank 33 month Balance Transfer Credit Card

Sainsbury's Bank 33 month Balance Transfer Credit Card

  • 1.5% balance transfer fee in the first 3 months refunded to 0.69% (3% thereafter, £3 min fee at all times)
  • Collect 2 Nectar points per £1 spent at Sainsbury's, 1 point for every £5 spent elsewhere
18.9% APR
Representative (variable)
25.95%
Cash advance rate
3.0%
Fee on cash advances
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • not have been declined for credit in the last month
  • not be an existing Sainsbury's Bank Credit Card holder

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 18.95% (variable) per annum, your representative APR is 18.9% APR (variable)
Chrome Credit Card 24.7% APR (variable)

Chrome Credit Card 24.7% APR (variable)

Chrome Credit Card 24.7% APR (variable)

  • New low APR card designed to help improve credit rating
  • Possibility to build Credit Limit up to £4000 over time
  • Online servicing, mobile app, SMS and email alerts
24.7% APR
Representative (variable)
34.7%
Cash advance rate
3.0%
Fee on cash advances
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have not had bankruptcies in the last 12 months
  • not available to applicants who already hold a credit card provided by Vanquis Bank

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,000 at a rate of 24.7% (variable) per annum, your representative APR is 24.7% APR (variable)
Chrome Credit Card 29.3% APR (variable)

Chrome Credit Card 29.3% APR (variable)

Chrome Credit Card 29.3% APR (variable)

  • New low APR card designed to help improve credit rating
  • Possibility to build Credit Limit up to £4000 over time
  • Online servicing, mobile app, SMS and email alerts
29.3% APR
Representative (variable)
39.3%
Cash advance rate
3.0%
Fee on cash advances
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have not had bankruptcies in the last 12 months
  • not available to applicants who already hold a credit card provided by Vanquis Bank

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,000 at a rate of 29.3% (variable) per annum, your representative APR is 29.3% APR (variable)
Sainsbury’s Bank 40 month Balance Transfer Credit Card

Sainsbury’s Bank 40 month Balance Transfer Credit Card

Sainsbury’s Bank 40 month Balance Transfer Credit Card

  • 2.89% balance transfer fee in the first 3 months (3% thereafter, £3 minimum fee applies at all times)
18.9% APR
Representative (variable)
25.95%
Cash advance rate
3.0%
Fee on cash advances
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • not have been declined for credit in the last month
  • not be an existing Sainsbury's Bank Credit Card holder

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 18.95% (variable) per annum, your representative APR is 18.9% APR (variable)
aqua Classic Credit Card

aqua Classic Credit Card

Limited offer

aqua Classic Credit Card

  • Offer only available until 16th December 2016
  • Unlimited access to your credit report
  • Designed to help build your credit rating
27.4% APR
Representative (variable)
37.4%
Cash advance rate
3.0%
Fee on cash advances
Can I get this card?
?
To get this card you must at least:
  • be 18 or older
  • have a permanent UK address
  • have a UK current bank or building society account
  • not be registered bankrupt in past 18 months or have proceedings
  • have no Country Court Judgements (past 12 months)

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 27.4% (variable) per annum, your representative APR is 27.4% APR (variable)
Sainsbury's Bank Nectar 33 month Balance Transfer Credit Card

Sainsbury's Bank Nectar 33 month Balance Transfer Credit Card

Sainsbury's Bank Nectar 33 month Balance Transfer Credit Card

  • 1.5% balance transfer fee in the first 3 months refunded to 0.64% (3% thereafter, £3 min fee at all times)
  • Nectar Cardholders Exclusive - you must enter your Nectar card number when you apply
18.9% APR
Representative (variable)
25.95%
Cash advance rate
3.0%
Fee on cash advances
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • not have been declined for credit in the last month
  • not be an existing Sainsbury's Bank Credit Card holder

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 18.95% (variable) per annum, your representative APR is 18.9% APR (variable)
Sainsbury’s Bank 35 month Balance Transfer Credit Card

Sainsbury’s Bank 35 month Balance Transfer Credit Card

Sainsbury’s Bank 35 month Balance Transfer Credit Card

  • 1.5% balance transfer fee in the first 3 months (3% thereafter, £3 min fee at all times)
  • Collect 2 Nectar points per £1 spent at Sainsbury's, 1 point for every £5 spent elsewhere
18.9% APR
Representative (variable)
25.95%
Cash advance rate
3.0%
Fee on cash advances
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • not have been declined for credit in the last month
  • not be an existing Sainsbury's Bank Credit Card holder

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 18.95% (variable) per annum, your representative APR is 18.9% APR (variable)

uSwitch Limited is a credit broker, not a lender, for consumer credit products.

uSwitch services are provided at no cost to you, but we may receive a commission from the companies we refer you to.

Frequently asked questions

What is a credit card cash advance?

A cash advance is withdrawing cash on your credit card rather than making a purchase, however it is often one of the most expensive features of a credit card. If you are planning to withdraw cash on your credit card it makes sense to find one that will charge the lowest fee and interest.

It is not only withdrawing cash from an ATM that is considered a cash advance, buying foreign currency and traveller's cheques, gambling and betting transactions, electronic cash transfers are all usually considered cash advances too.

What will a credit cash advance cost?

Typically, cash advances have higher interest rates than purchases, this can be as high as 50% meaning withdrawing £100 would cost you £150. However, the lowest rates for cash advances can be in their teens.

It’s also worth bearing in mind that whilst many purchase credit cards come with an interest free period, but cash advances tend to be charged interest from day one.

There will also be a fee charged to take a cash advance with your credit card, typically about 3% but the lowest cash advance fees can be as little as 2.5%.

If you use an ATM overseas you are likely to be charged additional foreign usage fees on top of this, these can also be as much as 3%.

Should I take out a cash advance?

Whilst it is expensive and best left as a last resort, sometimes there are emergency purchases that can only be paid in cash, such as paying tradesmen or car repairs.

Credit card cash advances are typically a cheaper way of getting a small cash loan than a payday loan and as the repayments are more flexible that a personal loan it could be cheaper on monthly basis, but will be more expensive in the long term.

But bear in mind that buying something with cash withdrawn via credit card cash advance means you don't get the purchase protection you enjoy with by making a purchase directly with a credit card.

How to best manage a credit cash advance?

If you are planning to take out a cash advance, try and find the card that charges the lowest rates and fees, the best credit cards for cash advances charge interest as little as around 18%. Which is no higher than a typical APR for a purchase card.

Make sure to make as few cash withdrawals as possible as many credit cards charge a minimum cash withdrawal fee of about £3. Effectively meaning a cash advance of anything below £100 would be charged at a higher rate than 3%.

You can get cards which charge no foreign usage fees for overseas withdrawals which will reduce the cost if you have to take out a cash advance whilst abroad.

If possible try to avoid making purchases in cash, as buying with the card will help you avoid the withdrawal fees. Finally make sure to pay off the balance as soon as possible to avoid being charged higher rates of interest.

Does uSwitch compare all the credit cards on the market?

We compare credit over 100 credit cards from all of the major banks and credit card providers.

However, we do not compare all the credit cards that are available in the UK.

This is because some credit card providers have offers that are only available exclusively through their own website or branch, or through other comparison websites - in the same way some credit cards are exclusively available through uSwitch.

There are also many credit cards that are only available to people in member organisations and clubs.