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Check your eligibility for credit cards

  1. Improve your chances of being accepted
  2. It won't affect your credit score
  3. It's quick, free and easy
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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)
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)
Capital One Classic MasterCard

Capital One Classic MasterCard

Capital One Classic 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
34.9% APR
Representative (variable)
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 34.94% (variable) per annum, your representative APR is 34.9% APR (variable)
Luma MasterCard

Luma MasterCard

Luma MasterCard

  • Up to £1,500 credit limit
  • Application response in 60 seconds
  • Designed to help build your credit rating
35.9% APR
Representative (variable)
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 35.9% (variable) per annum, your representative APR is 35.9% APR (variable)
Lloyds Bank Online Platinum 24 Month Balance Transfer MasterCard

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 and balance transfers
18.9% APR
Representative (variable)
24
 months
0% interest on transfers
2.5%
Effective transfer fee
24
 months
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 42 Month BT MasterCard

Lloyds Bank Platinum 42 Month BT MasterCard

Lloyds Bank Platinum 42 Month BT MasterCard

  • 42 months 0% on balance transfers made in first 90 days
  • 3% transfer fee refunded to 2.3% within 90 days of transaction date
  • Six months 0% on new purchases
18.9% APR
Representative (variable)
42
 months
0% interest on transfers
2.3%
Effective transfer fee
6
 months
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)
NatWest Clear Rate Platinum Credit Card MasterCard

NatWest Clear Rate Platinum Credit Card MasterCard

NatWest Clear Rate Platinum Credit Card MasterCard

  • 6.9% flat rate for balance transfers and purchases
  • No balance transfer fees or 0% introductory periods that end
  • £24 annual fee
11.1% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have an income of £10,000 or more
  • 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 6.9% (variable) per annum, with a £24 annual fee, your representative APR is 11.1% APR (variable)
NatWest Reward Credit Card

NatWest Reward Credit Card

NatWest Reward Credit Card

  • Limited offer - 0.5% on other purchases plus 1% if you use contactless until 31 June 2016
  • 1% in all supermarkets (0.5% at their petrol stations)
23.7% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have an income of £10,000 or more
  • 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, with a £24 annual fee, your representative APR is 23.7% APR (variable)
aqua Reward With Cashback

aqua Reward With Cashback

£20 Amazon voucher

aqua Reward With Cashback

  • £20 Amazon gift certificate exclusively through uSwitch (terms apply)
  • 0.5% cashback and no foreign transaction fees
  • Credit limit increase possible after four months
34.9% APR
Representative (variable)
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 34.91% (variable) per annum, your representative APR is 34.9% APR (variable)
Ocean Credit Card MasterCard

Ocean Credit Card MasterCard

Ocean Credit Card MasterCard

  • Manage your account online and with a smartphone
  • 60 second eligibility QuickCheck that will not affect your credit score
  • Suitable for people looking to rebuild their credit profile
34.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be 18 or older
  • be a UK resident
  • be able to show some history of managing credit

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)
 Post Office Money Platinum Credit Card

Post Office Money Platinum Credit Card

Post Office Money Platinum Credit Card

  • 18 months 0% on balance transfers (2.89% transfer fee)
  • 28 months 0% on purchases
  • No foreign transaction fees & no cash advance fee when you purchase Post Office Travel Money
18.9% APR
Representative (variable)
18
 months
0% interest on transfers
2.89%
Transfer fee
28
 months
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 18.9% (variable) per annum, your representative APR is 18.9% APR (variable)
Royal Bank of Scotland Reward Credit Card MasterCard

Royal Bank of Scotland Reward Credit Card MasterCard

Royal Bank of Scotland Reward Credit Card MasterCard

  • Limited offer - 0.5% on other purchases plus 1% if you use contactless until 31 June 2016
  • 1% in all supermarkets (0.5% at their petrol stations)
17.4% APR
Representative (variable)
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 12.9% (variable) per annum, with a £24 annual fee, your representative APR is 17.4% APR (variable)
Royal Bank of Scotland Clear Rate Platinum Credit Card MasterCard

Royal Bank of Scotland Clear Rate Platinum Credit Card MasterCard

Royal Bank of Scotland Clear Rate Platinum Credit Card MasterCard

  • 6.9% interest rate for both balance transfers and purchases
  • No balance transfer fees
  • £24 annual fee
11.1% APR
Representative (variable)
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 an income of £10,000 or more

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 6.7% (variable) per annum, with a £24 annual fee, your representative APR is 11.1% APR (variable)
TSB Platinum 20 month Purchase and BT MasterCard

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
18.9% APR
Representative (variable)
20
 months
0% interest on transfers
2.95%
Transfer fee
20
 months
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)
Bank of Scotland Online Low Rate Credit Card

Bank of Scotland Online Low Rate Credit Card

Bank of Scotland Online Low Rate Credit Card

  • One rate for both balance transfers and purchases
  • Low representative rate of 6.4% APR (variable)
  • 0% fee on balance transfers within the first 90 days (3% fee applies)
6.4% APR
Representative (variable)
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 6.45% (variable) per annum, your representative APR is 6.4% APR (variable)
Bank of Scotland Platinum 41 Month Balance Transfer

Bank of Scotland Platinum 41 Month Balance Transfer

Bank of Scotland Platinum 41 Month Balance Transfer

  • 41 months 0% on balance transfers made in first 90 days
  • 3% transfer fee refunded to 1.9% within 90 days of transaction date
  • Six months 0% on purchases
18.9% APR
Representative (variable)
41
 months
0% interest on transfers
1.9%
Effective transfer fee
6
 months
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 43 Month Balance Transfer Credit Card

Halifax 43 Month Balance Transfer Credit Card

Market Leading
2016 award winner

Halifax 43 Month Balance Transfer Credit Card

  • 43 months 0% on balance transfers
  • 6 months 0% on new purchases
  • 2.98% effective transfer fee (initial 3.5% fee, 0.52% refunded after 90 days)
18.9% APR
Representative (variable)
43
 months
0% interest on transfers
2.98%
Effective transfer fee
6
 months
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)
Lloyds Bank Platinum Low Rate Credit Card

Lloyds Bank Platinum Low Rate Credit Card

Lloyds Bank Platinum Low Rate Credit Card

  • 0% balance transfer fee within the first 90 days of account opening, 3% thereafter
  • Low representative rate of 6.4%
6.4% APR
Representative (variable)
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 6.45% (variable) per annum, your representative APR is 6.4% APR (variable)
M&S Credit Card

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
18.9% APR
Representative (variable)
25
 months
0% interest on transfers
2.9%
Transfer fee
25
 months
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)
aqua Advance Credit Card

aqua Advance Credit Card

aqua Advance Credit Card

  • Possibility to reduce APR to 19.9% if you pay on time
  • Unlimited access to your credit report
  • No foreign transaction fees
34.9% APR
Representative (variable)
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 34.91% (variable) per annum, your representative APR is 34.9% 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)
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)
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

  • 0% balance transfer fee on transfers made in the first 3 months (3% thereafter, £3 minimum fee)
18.9% APR
Representative (variable)
25
 months
0% interest on transfers
0.0%
Transfer fee
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 Low Rate Credit Card

Sainsbury's Bank Low Rate Credit Card

Sainsbury's Bank Low Rate Credit Card

  • Offer only available until 26 March 2017
  • 5000 bonus Nectar points when spending £250 in store in the first month
  • Collect 2 Nectar points per £1 spent at Sainsbury's, 1 point for every £5 spent elsewhere
5.9% APR
Representative (variable)
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 5.94% (variable) per annum, your representative APR is 5.9% 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
 months
0% interest on transfers
0.0%
Transfer fee
1
 months
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

Tesco Bank Purchase Credit Card

Tesco Bank Purchase Credit Card

  • Earn Clubcard points wherever you use the card plus the usual points in Tesco. Terms apply
18.9% APR
Representative (variable)
3
 months
0% interest on transfers
2.9%
Transfer fee
17
 months
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 32m Balance Transfer

Tesco Bank Clubcard Credit Card for 32m Balance Transfer

Tesco Bank Clubcard Credit Card for 32m Balance Transfer

  • 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)
32
 months
0% interest on transfers
0.65%
Transfer fee
3
 months
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)
Post Office Matched Credit Card

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
18.9% APR
Representative (variable)
26
 months
0% interest on transfers
2.75%
Transfer fee
26
 months
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

Clydesdale Bank Gold MasterCard

  • Contactless payments under £30
  • MasterCard SecureCode for safer online shopping
18.9% APR
Representative (variable)
12
 months
0% interest on transfers
3.0%
Transfer fee
26
 months
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

Yorkshire Bank Gold MasterCard

  • Contactless payments under £30
  • MasterCard SecureCode for safer online shopping
18.9% APR
Representative (variable)
12
 months
0% interest on transfers
3.0%
Transfer fee
26
 months
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

Sainsburys Nectar Purchase Credit Card

  • Offer only available until 26 March 2017
  • 5000 bonus Nectar points when spending £250 in store in the first month
  • Collect 2 Nectar points per £1 spent at Sainsbury's, 1 point for every £5 spent elsewhere
18.9% APR
Representative (variable)
18
 months
0% interest on transfers
3.0%
Transfer fee
29
 months
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 Foundation Clubcard Credit Card

Tesco Bank Foundation Clubcard Credit Card

Tesco Bank Foundation Clubcard Credit Card

  • Application response in 60 seconds
  • Designed to help build your credit rating
  • Credit limit subject to status
27.5% APR
Representative (variable)
6
 months
0% interest on purchases
Can I get this card?
?
To get this card you must at least:
  • not have applied for a Tesco Bank Credit Card in the last 6 months
  • have an annual income of at least £5,000
  • be at least 18 years of age
  • be a permanent UK resident
  • have not had any bankruptcies in the past 18 months
  • have not had any county court judgements in the past 18 months

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 27.54% (variable) per annum, your representative APR is 27.5% APR (variable)
Virgin 32 Month Balance Transfer Credit Card

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
  • 4% money transfer fee
19.9% APR
Representative (variable)
32
 months
0% interest on transfers
0.6%
Transfer fee
3
 months
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

Virgin All Round Credit Card

2016 award winner

Virgin All Round Credit Card

  • 25 months 0% for balance transfers, money transfers and purchases
  • 1.5% balance transfer fee in first 60 days, 5% thereafter
  • 2% money transfer fee in the first 60 days, 5% thereafter
18.9% APR
Representative (variable)
25
 months
0% interest on transfers
1.5%
Transfer fee
25
 months
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

Virgin Money No Balance Transfer Fee Credit Card

2016 award winner

Virgin Money No Balance Transfer Fee Credit Card

  • 24 months 0% on balance transfers
  • 0% balance transfer fee in first 60 days, 5% thereafter
  • 3 months 0% on purchases
19.9% APR
Representative (variable)
24
 months
0% interest on transfers
0.0%
Transfer fee
3
 months
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 26 Months Balance Transfer Card

Halifax 26 Months Balance Transfer Card

2016 award winner

Halifax 26 Months Balance Transfer Card

  • 0% fee for transfers in first 90 days, 3% fee thereafter
  • Six months 0% on purchases
  • Manage your card online using internet banking and mobile banking
18.9% APR
Representative (variable)
26
 months
0% interest on transfers
0.0%
Transfer fee
6
 months
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 24 Months Balance Transfer Card

Bank of Scotland Platinum 24 Months Balance Transfer Card

Bank of Scotland Platinum 24 Months Balance Transfer Card

  • 24 months 0% on balance transfers
  • 0% fee on balance transfers within the first 90 days, 3% thereafter
  • Manage your card online using Internet Banking and Mobile Banking
18.9% APR
Representative (variable)
24
 months
0% interest on transfers
0.0%
Transfer fee
6
 months
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

Bank of Scotland 24 Month Balance Transfer

  • 21 months 0% on balance transfers
  • 2.5% fee applies on each balance transfer made in the first 90 days, 3% thereafter
  • 21 months 0% on purchases
18.9% APR
Representative (variable)
24
 months
0% interest on transfers
2.5%
Transfer fee
24
 months
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 24 Month Balance Transfer Credit Card

Lloyds 24 Month Balance Transfer Credit Card

Lloyds 24 Month Balance Transfer Credit Card

  • 0% for 24 months on balance transfers
  • 0%fee on balances transferred within 90 days of account opening, 3% thereafter
  • 0% on purchases for six months
18.9% APR
Representative (variable)
24
 months
0% interest on transfers
0.0%
Transfer fee
6
 months
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 26 Month Balance Transfer Credit Card

Halifax 26 Month Balance Transfer Credit Card

2016 award winner

Halifax 26 Month Balance Transfer Credit Card

  • 2.95% effective balance transfer fee for first 90 days, 3% fee thereafter
  • Manage your card with online and mobile banking
18.9% APR
Representative (variable)
26
 months
0% interest on transfers
2.95%
Effective transfer fee
26
 months
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

Bank of Scotland 32 Month Balance Transfer Credit Card

  • Limited Offer - £20 cashback valid on accounts opened by 31 March 2017
  • 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
18.9% APR
Representative (variable)
32
 months
0% interest on transfers
0.8%
Transfer fee
12
 months
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

Lloyds 32 Month Balance Transfer Credit Card

  • Limited Offer - £20 cashback valid on accounts opened by 31 March 2017
  • 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
18.9% APR
Representative (variable)
32
 months
0% interest on transfers
0.8%
Transfer fee
12
 months
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)
Virgin 41 Month Balance Transfer Credit Card

Virgin 41 Month Balance Transfer Credit Card

2016 award winner

Virgin 41 Month Balance Transfer Credit Card

  • 41 months 0% for balance transfers (3% transfer fee)
  • 41 months 0% for money transfers (3.79% transfer fee)
  • 3 months 0% on purchases
20.9% APR
Representative (variable)
41
 months
0% interest on transfers
3.0%
Transfer fee
3
 months
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

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)
6
 months
0% interest on transfers
3.0%
Transfer fee
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)
Halifax 32 Month Balance Transfer Credit Card

Halifax 32 Month Balance Transfer Credit Card

2016 award winner

Halifax 32 Month Balance Transfer Credit Card

  • Limited Offer - £20 cashback valid on accounts opened by 31 March 2017
  • 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)
32
 months
0% interest on transfers
0.7%
Transfer fee
12
 months
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)
AA Low Rate Credit Card

AA Low Rate Credit Card

AA Low Rate Credit Card

  • 3 months 0% on balance transfers and purchases
  • Manage your account on the go with the AA Credit Card app
  • No balance transfer fee and annual fee
5.85% APR
Representative (variable)
3
 months
0% interest on transfers
0.0%
Transfer fee
3
 months
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
  • no balance transfers from: Post Office or Bank of Ireland

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 5.85% (variable) per annum, your representative APR is 5.85% APR (variable)
AA FuelSave Credit Card

AA FuelSave Credit Card

AA FuelSave Credit Card

  • Up to 4% cashback on fuel and 0.5% cashback on all other purchases (terms apply)
  • Maximum of £150 cashback can be earned in a year
  • 1 years breakdown cover or annual MOT (terms apply)
22.4% APR
Representative (variable)
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 14.9% (variable) per annum, with a £42 annual fee, your representative APR is 22.4% APR (variable)
Virgin 32 Month Money Transfer Credit Card

Virgin 32 Month Money Transfer Credit Card

2016 award winner

Virgin 32 Month Money Transfer Credit Card

  • 1.99% transfer fee
  • 32 months 0% for money transfers; 3 months 0% for purchases
19.9% APR
Representative (variable)
32
 months
0% interest on transfers
1.99%
Transfer fee
3
 months
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

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
  • 2.69% transfer fee
  • 3 months 0% for purchases
20.9% APR
Representative (variable)
36
 months
0% interest on transfers
2.69%
Transfer fee
3
 months
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)
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

18.9% APR
Representative (variable)
33
 months
0% interest on transfers
0.69%
Effective transfer fee
3
 months
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)
Tesco Bank Clubcard Credit Card with  Low APR

Tesco Bank Clubcard Credit Card with Low APR

Tesco Bank Clubcard Credit Card with Low APR

  • Earn Clubcard points wherever you use your card, plus your usual points in Tesco. Terms apply.
  • Online application decision in 60 seconds
5.9% APR
Representative (variable)
1
 months
0% interest on transfers
0.0%
Transfer fee
1
 months
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 5.9% (variable) per annum, your representative APR is 5.9% APR (variable)
Virgin Money 30 Month Balance Transfer Credit Card

Virgin Money 30 Month Balance Transfer Credit Card

2016 award winner

Virgin Money 30 Month Balance Transfer Credit Card

  • 30 months 0% for money transfers (4% fee for first 60 days, 5% thereafter)
  • 3 months 0% for purchases
19.9% APR
Representative (variable)
30
 months
0% interest on transfers
0.55%
Transfer fee
3
 months
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 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)
40
 months
0% interest on transfers
2.69%
Transfer fee
3
 months
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

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
27.9% APR
Representative (variable)
18
 months
0% interest on transfers
3.0%
Transfer fee
9
 months
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 27.9% (variable) per annum, your representative APR is 27.9% APR (variable)
thinkmoney Credit Card

thinkmoney Credit Card

thinkmoney Credit Card

  • Manage your account online and with a smartphone
  • 60 second eligibility QuickCheck that will not affect your credit score
  • Suitable for people looking to rebuild their credit profile
35.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be 18 or older
  • be a UK resident
  • be able to show some history of managing credit

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 35.94% (variable) per annum, your representative APR is 35.9% APR (variable)
Sainsbury’s Bank 42 month Balance Transfer Credit Card

Sainsbury’s Bank 42 month Balance Transfer Credit Card

Sainsbury’s Bank 42 month Balance Transfer Credit Card

  • Offer only available until 28 Feb 2017
  • 3000 bonus Nectar points when you transfer £1000 in the first month
  • 4% balance transfer fee refunded to 2.3% on transfers made in the first 3 months. (3% thereafter, £3 fee minimum at all times)
18.9% APR
Representative (variable)
42
 months
0% interest on transfers
2.3%
Effective transfer fee
3
 months
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)
MBNA 5 Credit Card

MBNA 5 Credit Card

MBNA 5 Credit Card

  • 4.9% for up to 60 months on purchases (8.9% APR thereafter)
  • 4.9% for up to 60 months on balance and money transfers, 0.5% fee (8.9% APR thereafter)
  • 4.9% offer applies to transfers and purchases made in the first 60 day
8.9% APR
Representative (variable)
60
 months
4.9% interest on transfers
0.5%
Transfer fee
60
 months
4.9% 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
  • eligibility check - see if you qualify without affecting your credit rating. depending on results product details may vary
  • cannot transfer between MBNA accounts

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 8.9% (variable) per annum, your representative APR is 8.9% APR (variable)
The AA Balance Transfer Credit Card

The AA Balance Transfer Credit Card

The AA Balance Transfer Credit Card

  • 41 months 0% on balance transfers
  • 3.25% balance transfer fee
  • 0% on purchases for 3 months
18.9% APR
Representative (variable)
41
 months
0% interest on transfers
3.25%
Transfer fee
3
 months
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
  • no balance transfers from: Post Office or Bank of Ireland

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 40 month Balance Transfer Credit Card

Sainsbury’s Bank Nectar 40 month Balance Transfer Credit Card

Sainsbury’s Bank Nectar 40 month Balance Transfer Credit Card

  • Offer only available until 26 March 2017
  • 1.78% balance transfer fee, refunded from 2.89%, on transfers made in the first 3 months (3% thereafter, £3 fee minimum at all times, nectar cardholders only)
  • 5000 bonus Nectar points when spending £250 in store in the first month
18.9% APR
Representative (variable)
40
 months
0% interest on transfers
1.78%
Effective transfer fee
3
 months
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
  • Nectar Cardholders Exclusive – you must enter your Nectar card number when you apply
  • 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 18.9% (variable) per annum, your representative APR is 18.9% APR (variable)
aqua Classic Credit Card

aqua Classic Credit Card

aqua Classic Credit Card

  • Unlimited access to your credit report
  • Designed to help build your credit rating
29.7% APR
Representative (variable)
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 29.7% (variable) per annum, your representative APR is 29.7% APR (variable)
Virgin 40 Month Balance Transfer Credit Card

Virgin 40 Month Balance Transfer Credit Card

2016 award winner

Virgin 40 Month Balance Transfer Credit Card

  • 40 months 0% for balance transfers (1.79% transfer fee)
  • 40 months 0% for money transfers (3.89% transfer fee)
  • 3 months 0% on purchases
20.9% APR
Representative (variable)
40
 months
0% interest on transfers
1.79%
Transfer fee
3
 months
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)
M&S Transfer Plus Credit Card

M&S Transfer Plus Credit Card

M&S Transfer Plus Credit Card

  • 32 months 0% on balance transfers made within 90 days (0.99% fee applies, £5 minimum fee)
  • 6 months 0% on purchases
18.9% APR
Representative (variable)
32
 months
0% interest on transfers
2.9%
Transfer fee
6
 months
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)
Halifax 30 Month Purchase Credit Card

Halifax 30 Month Purchase Credit Card

2016 award winner

Halifax 30 Month Purchase Credit Card

  • 30 months 0% on purchases
  • 6 months 0% on balance transfers
  • Manage your card online using internet banking and mobile banking
18.9% APR
Representative (variable)
6
 months
0% interest on transfers
3.0%
Transfer fee
30
 months
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)

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

About MasterCard

MasterCard have acted as a debit and credit card provider since 1966. Cards provided by MasterCard are accepted in 24 million locations worldwide, making it the most widely received credit card.

They were originally founded to compete with VISA cards in the US but have expanded to provide payment cards for banks and card issuers worldwide.

You can see if MasterCard provide your credit card by looking for their recognisable orange and red “Venn diagram” logo on your credit or debit card.

Why should I choose a MasterCard credit card?

MasterCard and Visa credit and debits are both more or less universally accepted at all electronic payment terminals, so access shouldn’t be a problem whoever provides your card.

MasterCard offers security online with ‘MasterCard SecureCode’. Which protects your MasterCard details with a code, to shield you from fraud when you purchase online from participating online shops. Like all providers MasterCard should offer a money-back guarantee if you fall victim to card fraud.

All MasterCard cards have Chip and PIN protection and are increasingly offering contactless payment for sums under £30 on their cards. From 2014, MasterCard provides payment through Apple’s iPhones and other products.

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.