Interest Free 0% Credit Cards

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Popularity		APR	Balance transfer	Purchases
Barclaycard Platinum 37 Month Balance Transfer Limited Offer 2016 award winner	Barclaycard Platinum 37 Month Balance Transfer 3.5% transfer fee refunded to 1.5% within 2 working days Six months 0% on purchases Semi-Exclusive - only available through selected sites More info	18.9% APR Representative (variable) Representative APR (variable)	37 months 0% interest on transfers 0% interest on transfers 1.5% Effective transfer fee	6 months 0% interest on purchases 0% interest on purchases	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 2016 award winner	Barclaycard Platinum 32 Month Balance Transfer Visa Credit Card 60 days to transfer balance Online account management, paper statements available 3.5% transfer fee refunded to 0.68% within 2 working days More info	18.9% APR Representative (variable) Representative APR (variable)	32 months 0% interest on transfers 0% interest on transfers 0.68% Effective transfer fee	6 months 0% interest on purchases 0% interest on purchases	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 Purchase & Balance Transfer Visa Credit Card 2016 award winner	Barclaycard Platinum Purchase & Balance Transfer Visa Credit Card Balance transfer fee 2.35% 60 days to transfer balance Free access to your Experian credit report More info	18.9% APR Representative (variable) Representative APR (variable)	25 months 0% interest on transfers 0% interest on transfers 2.35% Transfer fee	25 months 0% interest on purchases 0% interest on purchases	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 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 2016 award winner	Barclaycard Platinum 18 Month Balance Transfer Visa Credit Card For people with limited but good credit history 60 days to transfer balance More info	24.9% APR Representative (variable) Representative APR (variable)	18 months 0% interest on transfers 0% interest on transfers 2.99% Transfer fee	3 months 0% interest on purchases 0% interest on purchases	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)
M&S Credit Card	M&S Credit Card 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 More info	18.9% APR Representative (variable) Representative APR (variable)	25 months 0% interest on transfers 0% interest on transfers 2.9% Transfer fee	25 months 0% interest on purchases 0% interest on purchases	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 40 months 0% on balance transfers made in first 90 days 3% transfer fee refunded to 2.39% within 90 days of transaction date Six months 0% on purchases More info	18.9% APR Representative (variable) Representative APR (variable)	40 months 0% interest on transfers 0% interest on transfers 2.39% Effective transfer fee	6 months 0% interest on purchases 0% interest on purchases	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 2016 award winner	Halifax 41 Month Balance Transfer Credit Card 3.44% effective transfer fee (initial 3.5% fee, 0.06% refunded after 90 days) Manage your card online using Online Banking and Mobile Banking More info	18.9% APR Representative (variable) Representative APR (variable)	41 months 0% interest on transfers 0% interest on transfers 3.44% Effective transfer fee	6 months 0% interest on purchases 0% interest on purchases	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)
MBNA All Round Credit Card	MBNA All Round Credit Card Up to 25 months 0% on balance transfers (2.49% fee) in first 60 days, 20.9% p.a. with 5 % fee thereafter Up to 25 months 0% on money transfer (4% fee) in first 60 days, 22.9% p.a with 5% fee thereafter Eligibility check - see if you qualify without affecting your credit rating. Depending on results product details may vary More info	18.9% APR Representative (variable) Representative APR (variable)	25 months 0% interest on transfers 0% interest on transfers 2.49% Transfer fee	25 months 0% interest on purchases 0% interest on purchases	Can I get this card? ? To get this card you must at least: be a UK resident for at least 3 years be 18 or older have a good credit history hold a UK bank or building society account no balance transfers from MBNA or Fluid Money 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)
Lloyds Bank Online Platinum 24 Month Balance Transfer MasterCard	Lloyds Bank Online Platinum 24 Month Balance Transfer MasterCard 2.5% transfer fee in first 90 days from account opening, 3% thereafter 24 months 0% on purchases More info	18.9% APR Representative (variable) Representative APR (variable)	24 months 0% interest on transfers 0% interest on transfers 2.5% Transfer fee	24 months 0% interest on purchases 0% interest on purchases	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)
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 2.39% within 90 days of transaction date Six months 0% on new purchases More info	18.9% APR Representative (variable) Representative APR (variable)	40 months 0% interest on transfers 0% interest on transfers 2.39% Effective transfer fee	6 months 0% interest on purchases 0% interest on purchases	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 Credit Card Purchase Visa	Nationwide Credit Card Purchase Visa Commission-free allowance abroad Access to exclusive deals with Simply Rewards 12 months 0% on purchases & 12 months 0% on balance transfers (0% fee for three months, 2.4% thereafter) More info	17.9% APR Representative (variable) Representative APR (variable)	12 months 0% interest on transfers 0% interest on transfers 0.0% Transfer fee	12 months 0% interest on purchases 0% interest on purchases	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)
Nationwide Select Credit Card	Nationwide Select Credit Card Nationwide current account customers only 0.5% cashback on all sterling purchases No foreign transaction fees More info	15.9% APR Representative (variable) Representative APR (variable)	12 months 0% interest on transfers 0% interest on transfers 0.0% Transfer fee	12 months 0% interest on purchases 0% interest on purchases	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 No Balance Transfer Fee Credit Card	Sainsbury's No Balance Transfer Fee Credit Card Offer only available until 29 Dec 2016 5000 bonus Nectar points when you spend at least £800 (terms apply) 0% balance transfer fee on transfers made in the first 3 months (3% thereafter, £3 minimum fee) More info	18.9% APR Representative (variable) Representative APR (variable)	22 months 0% interest on transfers 0% interest on transfers 0.0% Transfer fee	3 months 0% interest on purchases 0% interest on purchases	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 Nectar Exclusive Long Balance Transfer Credit Card	Sainsbury’s Bank Nectar Exclusive Long Balance Transfer Credit Card 2.89% balance transfer fee refunded to 2.42% on transfers made in the first 3 months (3% thereafter, £3 min. fee of £3) Balance transfer fee refund only available to nectar cardholders (terms apply) More info	18.9% APR Representative (variable) Representative APR (variable)	40 months 0% interest on transfers 0% interest on transfers 2.42% Effective transfer fee	3 months 0% interest on purchases 0% interest on purchases	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)
Santander Credit Card	Santander Credit Card No annual fee 56 days interest-free on purchases after the 0% period expires provided balance is paid in full and on time each month More info	18.9% APR Representative (variable) Representative APR (variable)	15 months 0% interest on transfers 0% interest on transfers 0.0% Transfer fee	15 months 0% interest on purchases 0% interest on purchases	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 18.9% (variable) per annum, your representative APR is 18.9% APR (variable)
Santander 123 Credit Card MasterCard No transfer fee	Santander 123 Credit Card MasterCard Up to 3% cashback available First year fee-free if you have or open a 123 Current Account. Otherwise £3 monthly fee More info	18.4% APR Representative (variable) Representative APR (variable)	23 months 0% interest on transfers 0% interest on transfers 0.0% Transfer fee	23 months 0% interest on purchases 0% interest on purchases	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 transfers from Santander Additional criteria for acceptance from the lender may apply.
Representative example: When you spend £1,200 at a rate of 12.7% (variable) per annum, with a £36 annual fee, your representative APR is 18.4% 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 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 More info	18.9% APR Representative (variable) Representative APR (variable)	24 months 0% interest on transfers 0% interest on transfers 0.0% Transfer fee	1 months 0% interest on purchases 0% interest on purchases	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 Purchase Credit Card with 1000 Points	Tesco Bank Purchase Credit Card with 1000 Points 1000 Clubcard points if you make a purchase or transfer a balance within two months of account opening (terms apply) Earn Clubcard points wherever you use the card plus the usual points in Tesco. Terms apply More info	18.9% APR Representative (variable) Representative APR (variable)	3 months 0% interest on transfers 0% interest on transfers 2.9% Transfer fee	17 months 0% interest on purchases 0% interest on purchases	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 18.941% (variable) per annum, your representative APR is 18.9% APR (variable)
Tesco Bank Clubcard Credit Card for 28m Balance Transfer	Tesco Bank Clubcard Credit Card for 28m Balance Transfer Earn Clubcard points wherever you use the card plus the usual points in Tesco. Terms apply Online application decision in 60 seconds 0% offer is applied to any balances transferred within the first 90 days of opening your account. More info	18.9% APR Representative (variable) Representative APR (variable)	28 months 0% interest on transfers 0% interest on transfers 0.59% Transfer fee	3 months 0% interest on purchases 0% interest on purchases	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 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. More info	18.9% APR Representative (variable) Representative APR (variable)	40 months 0% interest on transfers 0% interest on transfers 2.69% Transfer fee	3 months 0% interest on purchases 0% interest on purchases	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)
TSB Platinum 20 month Purchase and BT MasterCard	TSB Platinum 20 month Purchase and BT MasterCard ClickSafe internet fraud protection Manage your credit card and current account together More info	18.9% APR Representative (variable) Representative APR (variable)	20 months 0% interest on transfers 0% interest on transfers 2.95% Transfer fee	20 months 0% interest on purchases 0% interest on purchases	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 18.94% (variable) per annum, your representative APR is 18.9% APR (variable)
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) More info	18.9% APR Representative (variable) Representative APR (variable)	15 months 0% interest on transfers 0% interest on transfers 2.99% Transfer fee	— 0% interest on purchases	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 Matched Credit Card	Post Office Matched Credit Card Add up to three additional cardholders for free No cash advance fee when you purchase Post Office Travel Money More info	18.9% APR Representative (variable) Representative APR (variable)	16 months 0% interest on transfers 0% interest on transfers 2.98% Transfer fee	27 months 0% interest on purchases 0% interest on purchases	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)
Clydesdale Bank Gold MasterCard	Clydesdale Bank Gold MasterCard Contactless payments under £30 MasterCard SecureCode for safer online shopping More info	18.9% APR Representative (variable) Representative APR (variable)	12 months 0% interest on transfers 0% interest on transfers 3.0% Transfer fee	26 months 0% interest on purchases 0% interest on purchases	Can I get this card? ? To get this card you must at least: be 18 or older have a permanent UK address no balance transfers from Clydesdale or Yorkshire Bank 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)
Yorkshire Bank Gold MasterCard	Yorkshire Bank Gold MasterCard Contactless payments under £30 MasterCard SecureCode for safer online shopping More info	18.9% APR Representative (variable) Representative APR (variable)	12 months 0% interest on transfers 0% interest on transfers 3.0% Transfer fee	26 months 0% interest on purchases 0% interest on purchases	Can I get this card? ? To get this card you must at least: be 18 or older have a permanent UK address no balance transfers from Clydesdale or Yorkshire Bank 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)
Sainsburys Nectar Purchase Credit Card	Sainsburys Nectar Purchase Credit Card Offer only available until 29 Dec 2016 5000 bonus Nectar points when you spend at least £800 (terms apply) Collect 2 Nectar points per £1 spent at Sainsbury's, 1 point for every £5 spent elsewhere More info	18.9% APR Representative (variable) Representative APR (variable)	18 months 0% interest on transfers 0% interest on transfers 3.0% Transfer fee	27 months 0% interest on purchases 0% interest on purchases	Can I get this card? ? To get this card you must at least: have a permanent UK address be over 18 years of age not have been declined for credit in the last month not have a history of bad credit 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 12 month No Balance Transfer Fee Clubcard Credit Card	Tesco Bank 12 month No Balance Transfer Fee Clubcard Credit Card Earn Clubcard points wherever you use the card plus the usual points in Tesco. Terms apply Online application decision in 60 seconds More info	18.9% APR Representative (variable) Representative APR (variable)	12 months 0% interest on transfers 0% interest on transfers 0.0% Transfer fee	12 months 0% interest on purchases 0% interest on purchases	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 18.9% (variable) per annum, your representative APR is 18.9% APR (variable)
Virgin 32 Month Balance Transfer Credit Card 2016 award winner	Virgin 32 Month Balance Transfer Credit Card 32 months 0% on balance and money transfers; 3 months 0% on purchases 3% balance transfer fee refunded to 0.99% after 14 days 4% money transfer fee More info	19.9% APR Representative (variable) Representative APR (variable)	32 months 0% interest on transfers 0% interest on transfers 0.99% Effective transfer fee	3 months 0% interest on purchases 0% interest on purchases	Can I get this card? ? To get this card you must at least: be 18 or older be a UK resident have good credit history no balance transfers from Virgin Money plc Additional criteria for acceptance from the lender may apply.
Representative example: When you spend £1,200 at a rate of 19.9% (variable) per annum, your representative APR is 19.9% APR (variable)
Virgin All Round Credit Card 2016 award winner	Virgin All Round Credit Card 25 months 0% for balance transfers, money transfers and purchases 2% money transfer fee in first 60 days, 5% thereafter 2% balance transfer fee in first 60 days, 5% thereafter More info	18.9% APR Representative (variable) Representative APR (variable)	25 months 0% interest on transfers 0% interest on transfers 2.0% Transfer fee	25 months 0% interest on purchases 0% interest on purchases	Can I get this card? ? To get this card you must at least: be 18 or older be a UK resident have good credit history no balance transfers from Virgin Money 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)
Virgin Money No Balance Transfer Fee Credit Card 2016 award winner	Virgin Money No Balance Transfer Fee Credit Card 0% balance transfer fee in first 60 days, 5% thereafter 24 months 0% on money transfers (4% fee in first 60 days, 5% thereafter) 3 months 0% on purchases More info	19.9% APR Representative (variable) Representative APR (variable)	24 months 0% interest on transfers 0% interest on transfers 0.0% Transfer fee	3 months 0% interest on purchases 0% interest on purchases	Can I get this card? ? To get this card you must at least: be 18 or older be a UK resident have good credit history no balance transfers from Virgin Money plc Additional criteria for acceptance from the lender may apply.
Representative example: When you spend £1,200 at a rate of 19.9% (variable) per annum, your representative APR is 19.9% APR (variable)
Halifax 25 Months Balance Transfer Credit Card 2016 award winner	Halifax 25 Months Balance Transfer Credit Card 0% fee for transfers in first 90 days, 3% fee thereafter Manage your card online using internet banking and mobile banking More info	18.9% APR Representative (variable) Representative APR (variable)	25 months 0% interest on transfers 0% interest on transfers 0.0% Transfer fee	6 months 0% interest on purchases 0% interest on purchases	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)
Bank of Scotland Platinum 20 Months Balance Transfer Card	Bank of Scotland Platinum 20 Months Balance Transfer Card 0% fee on balance transfers within the first 90 days, 3% thereafter Manage your card online using internet and mobile banking More info	18.9% APR Representative (variable) Representative APR (variable)	20 months 0% interest on transfers 0% interest on transfers 0.0% Transfer fee	6 months 0% interest on purchases 0% interest on purchases	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)
Bank of Scotland 24 Month Balance Transfer	Bank of Scotland 24 Month Balance Transfer 2.5% fee applies on each balance transfer made in the first 90 days, 3% thereafter Manage your card online using Internet Banking and Mobile Banking More info	18.9% APR Representative (variable) Representative APR (variable)	24 months 0% interest on transfers 0% interest on transfers 2.5% Transfer fee	24 months 0% interest on purchases 0% interest on purchases	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)
Lloyds 20 Month Balance Transfer Credit Card	Lloyds 20 Month Balance Transfer Credit Card 0% fee on balances transferred within 90 days of account opening, 3% thereafter 0% on purchases for six months More info	18.9% APR Representative (variable) Representative APR (variable)	20 months 0% interest on transfers 0% interest on transfers 0.0% Transfer fee	6 months 0% interest on purchases 0% interest on purchases	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)
Halifax 24 Month Balance Transfer Credit Card 2016 award winner	Halifax 24 Month Balance Transfer Credit Card 2.5% balance transfer fee for first 90 days, 3% fee thereafter Manage your card with online and mobile banking More info	18.9% APR Representative (variable) Representative APR (variable)	24 months 0% interest on transfers 0% interest on transfers 2.5% Transfer fee	24 months 0% interest on purchases 0% interest on purchases	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)
Bank of Scotland 32 Month Balance Transfer Credit Card	Bank of Scotland 32 Month Balance Transfer Credit Card 32 months 0% on balance transfers made in first 90 days 0.8% balance transfer fee within 90 days of account opening (3% thereafter) 12 months 0% on purchases More info	18.9% APR Representative (variable) Representative APR (variable)	32 months 0% interest on transfers 0% interest on transfers 0.8% Transfer fee	12 months 0% interest on purchases 0% interest on purchases	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)
Lloyds 32 Month Balance Transfer Credit Card	Lloyds 32 Month Balance Transfer Credit Card 0.8% balance transfer fee within 90 days of account opening (3% thereafter) 32 months 0% on balance transfers made in first 90 days 12 months 0% on purchases More info	18.9% APR Representative (variable) Representative APR (variable)	32 months 0% interest on transfers 0% interest on transfers 0.8% Transfer fee	12 months 0% interest on purchases 0% interest on purchases	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)
AA Dual Credit Card	AA Dual Credit Card 26 months 0% on purchases and balance transfers Manage your account on the go with the AA Credit Card app Add up to three additional cardholders More info	19.9% APR Representative (variable) Representative APR (variable)	26 months 0% interest on transfers 0% interest on transfers 2.98% Transfer fee	26 months 0% interest on purchases 0% interest on purchases	Can I get this card? ? To get this card you must at least: must have a 'Excellent' credit rating be aged 18 years or over and UK resident have a current bank or building society account be employed, retired or a homemaker with an annual income of over £8,000 excluding unemployment benefits not have any outstanding CCJs Additional criteria for acceptance from the lender may apply.
Representative example: When you spend £1,200 at a rate of 19.9% (variable) per annum, your representative APR is 19.9% APR (variable)
Virgin 40 Month Balance Transfer Credit Card 2016 award winner	Virgin 40 Month Balance Transfer Credit Card 2.4% balance transfer fee 40 months 0% for money transfers (4% transfer fee) 3 months 0% on Purchases More info	20.9% APR Representative (variable) Representative APR (variable)	40 months 0% interest on transfers 0% interest on transfers 2.4% Transfer fee	3 months 0% interest on purchases 0% interest on purchases	Can I get this card? ? To get this card you must at least: be 18 or older be a UK resident have good credit history no balance transfers from Virgin Money plc Additional criteria for acceptance from the lender may apply.
Representative example: When you spend £1,200 at a rate of 20.9% (variable) per annum, your representative APR is 20.9% APR (variable)
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 More info	34.9% APR Representative (variable) Representative APR (variable)	6 months 0% interest on transfers 0% interest on transfers 3.0% Transfer fee	— 0% interest on purchases	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 0% interest on purchases for 3 months 0% on balance transfers for 32 months The APR is dependant on your personal circumstances More info	18.9% APR Representative (variable) Representative APR (variable)	32 months 0% interest on transfers 0% interest on transfers 1.4% Transfer fee	3 months 0% interest on purchases 0% interest on purchases	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 23 Month Balance Transfer 2016 award winner	Barclaycard Platinum 23 Month Balance Transfer Get 0% on transfers with no transfer fee 3.5% transfer fee refunded to 0% within 2 working days Six months 0% on purchases More info	18.9% APR Representative (variable) Representative APR (variable)	23 months 0% interest on transfers 0% interest on transfers 0.0% Effective transfer fee	6 months 0% interest on purchases 0% interest on purchases	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 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 More info	18.9% APR Representative (variable) Representative APR (variable)	32 months 0% interest on transfers 0% interest on transfers 0.7% Transfer fee	12 months 0% interest on purchases 0% interest on purchases	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)
Post Office Money Balance Transfer Credit Card	Post Office Money Balance Transfer Credit Card 2.98% transfer fee refunded to 2.49% within 90 days Three months 0% on purchases No cash fee to buy travel money at the Post Office More info	18.9% APR Representative (variable) Representative APR (variable)	37 months 0% interest on transfers 0% interest on transfers 2.49% Effective transfer fee	3 months 0% interest on purchases 0% interest on purchases	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 18.91% (variable) per annum, your representative APR is 18.9% APR (variable)
Sainsbury’s Nectar Dual Credit Card	Sainsbury’s Nectar Dual Credit Card Offer only available until 29 Dec 2016 5000 bonus Nectar points when you spend at least £800 (terms apply) Collect 2 Nectar points per £1 spent at Sainsbury's, 1 point for every £5 spent elsewhere More info	18.9% APR Representative (variable) Representative APR (variable)	24 months 0% interest on transfers 0% interest on transfers 3.0% Transfer fee	24 months 0% interest on purchases 0% interest on purchases	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)
Virgin 32 Month Money Transfer Credit Card 2016 award winner	Virgin 32 Month Money Transfer Credit Card 3.5% transfer fee refunded to 1.69% after 14 days 32 months 0% for money transfers; 3 months 0% for purchases More info	19.9% APR Representative (variable) Representative APR (variable)	32 months 0% interest on transfers 0% interest on transfers 1.69% Effective transfer fee	3 months 0% interest on purchases 0% interest on purchases	Can I get this card? ? To get this card you must at least: be 18 or older be a UK resident have good credit history no balance transfers from Virgin Money plc Additional criteria for acceptance from the lender may apply.
Representative example: When you spend £1,200 at a rate of 19.9% (variable) per annum, your representative APR is 19.9% APR (variable)
Virgin 36 Month Money Transfer Credit Card 2016 award winner	Virgin 36 Month Money Transfer Credit Card 36 months 0% for money and balance transfers 3.5% transfer fee refunded to 2.39% after 14 days 3 months 0% for purchases More info	20.9% APR Representative (variable) Representative APR (variable)	36 months 0% interest on transfers 0% interest on transfers 2.39% Effective transfer fee	3 months 0% interest on purchases 0% interest on purchases	Can I get this card? ? To get this card you must at least: be 18 or older be a UK resident have good credit history no balance transfers from Virgin Money plc Additional criteria for acceptance from the lender may apply.
Representative example: When you spend £1,200 at a rate of 20.9% (variable) per annum, your representative APR is 20.9% APR (variable)
Tesco Bank Clubcard Credit Card for Money Transfers	Tesco Bank Clubcard Credit Card for Money Transfers 40 months 0% for money transfers (3.94% fee) 0% offer is applied to any balances or money transferred within the first 90 days of opening your account. More info	18.9% APR Representative (variable) Representative APR (variable)	40 months 0% interest on transfers 0% interest on transfers 2.69% Transfer fee	3 months 0% interest on purchases 0% interest on purchases	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 18.9% (variable) per annum, your representative APR is 18.9% APR (variable)
Virgin Money 36 Month Balance Transfer Credit Card 2016 award winner	Virgin Money 36 Month Balance Transfer Credit Card 3.5% transfer fee refunded to 1.99% after 14 days 36 months 0% for money transfers (4% fee) 3 months 0% for purchases More info	20.9% APR Representative (variable) Representative APR (variable)	36 months 0% interest on transfers 0% interest on transfers 1.99% Effective transfer fee	3 months 0% interest on purchases 0% interest on purchases	Can I get this card? ? To get this card you must at least: be 18 or older be a UK resident. have a UK bank or building society account have good credit history Additional criteria for acceptance from the lender may apply.
Representative example: When you spend £1,200 at a rate of 20.9% (variable) per annum, your representative APR is 20.9% APR (variable)
Virgin Money 30 Month Balance Transfer Credit Card 2016 award winner	Virgin Money 30 Month Balance Transfer Credit Card 3% transfer fee refunded to 0.59% after 14 days 30 months 0% for money transfers (4% fee for first 60 days, 5% thereafter) 3 months 0% for purchases More info	19.9% APR Representative (variable) Representative APR (variable)	30 months 0% interest on transfers 0% interest on transfers 0.59% Effective transfer fee	3 months 0% interest on purchases 0% interest on purchases	Can I get this card? ? To get this card you must at least: be 18 or older be a UK resident. have a UK bank or building society account have good credit history Additional criteria for acceptance from the lender may apply.
Representative example: When you spend £1,200 at a rate of 19.9% (variable) per annum, your representative APR is 19.9% APR (variable)
Virgin Money 34 Month Balance Transfer Credit Card 2016 award winner	Virgin Money 34 Month Balance Transfer Credit Card 3% balance transfer fee refunded to 1.49% after 14 days 34 months 0% for money transfers (4% fee for first 60 days, 5% thereafter) 3 months 0% for purchases More info	19.9% APR Representative (variable) Representative APR (variable)	34 months 0% interest on transfers 0% interest on transfers 1.49% Effective transfer fee	3 months 0% interest on purchases 0% interest on purchases	Can I get this card? ? To get this card you must at least: be 18 or older be a UK resident. have a UK bank or building society account have good credit history Additional criteria for acceptance from the lender may apply.
Representative example: When you spend £1,200 at a rate of 19.9% (variable) per annum, your representative APR is 19.9% APR (variable)
Tesco Bank Clubcard Credit Card for 38 Month Balance Transfer	Tesco Bank Clubcard Credit Card for 38 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. More info	18.9% APR Representative (variable) Representative APR (variable)	38 months 0% interest on transfers 0% interest on transfers 2.49% Transfer fee	3 months 0% interest on purchases 0% interest on purchases	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 18.9% (variable) per annum, your representative APR is 18.9% APR (variable)
Bank of Scotland Classic Credit Card	Bank of Scotland Classic Credit Card 18 months 0% on balance transfers made in first 90 days 3% balance transfer fee 9 months 0% on purchases More info	25.9% APR Representative (variable) Representative APR (variable)	18 months 0% interest on transfers 0% interest on transfers 3.0% Transfer fee	9 months 0% interest on purchases 0% interest on purchases	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 25.9% (variable) per annum, your representative APR is 25.9% APR (variable)
MBNA Platinum 41 Month Credit Card	MBNA Platinum 41 Month Credit Card 3.45% balance transfer fee for the first 60 days, 20.9% APR and 5% fee thereafter 20 months 0% money transfers (4% transfer fee for first 60 days, 22.9 APR and 5% thereafter) More info	18.9% APR Representative (variable) Representative APR (variable)	41 months 0% interest on transfers 0% interest on transfers 3.45% Transfer fee	— 0% interest on purchases	Can I get this card? ? To get this card you must at least: be a UK resident for at least 3 years be 18 or older hold a UK bank or building society account have a good credit history eligibility check - see if you qualify without affecting your credit rating. Depending on the results, product details may vary no balance transfers from MBNA or Fluid Money 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)
Sainsbury’s Bank Nectar Long Balance Transfer Credit Card	Sainsbury’s Bank Nectar Long Balance Transfer Credit Card Offer only available until 29 Dec 2016 Bonus 5000 Nectar points for new customers (terms apply) 2.89% balance transfer fee in the first 3 months (3% thereafter, £3 minimum fee applies at all times) More info	18.9% APR Representative (variable) Representative APR (variable)	40 months 0% interest on transfers 0% interest on transfers 2.89% Effective transfer fee	3 months 0% interest on purchases 0% interest on purchases	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)