Compare Credit Cards

Compare Popular Credit Cards

	Credit Card	Representative APR Variable Annual Percentage Rate: the interest that you will pay per year on purchases. This rate includes annual fees but does not factor in other charges such as default fees. Rates shown are 'typical' interest rates and may vary depending on your credit rating.	Balance Transfers A balance transfer is when you transfer the debt owed on one credit card (the balance) to another.			Purchases
			Rate This indicates the introductory interest rate on balance transfers that a credit card offers.	Duration The duration of time that the introductory interest rate on balance transfers will apply.	Fee Balance transfer fees are usually applied to any balances transferred from one card to another. They are calculated as a percentage (typically between 2-4%) of the amount being transferred.	Rate This indicates the introductory interest rate on new purchases that a credit card offers.	Duration The duration of time that the introductory interest rate on new purchase will apply.
	The AA Balance Transfer Credit Card AA rewards scheme	17.9%	0%	16 months	2.9%	0%	3 months	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Permanent UK Resident Yes
	Representative Example: 17.9% p.a. (variable) on card purchases. Equivalent to 17.9% APR representative (variable) based on a credit limit of £1200
	AA Transfer Plus Credit Card A low interest rate on all money and balance transfers made within the first 60 days.	16.9%	6.9%	until paid in full	2.00%	n/a	n/a	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Permanent UK Resident Yes Minimum Age 18
	Representative Example: 16.9% p.a. (variable) on card purchases. Equivalent to 16.9% APR representative (variable) based on a credit limit of £1200
	NatWest NatWest Platinum Card NatWest wine club special offers	18.9%	0%	26 months	2.65%	0%	6 months	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Permanent UK Resident Yes Minimum Age 18 Existing Customer Available exclusively to customers with an NatWest current account Credit Rating Good Minimum Income £10,000
	Representative Example: 18.9% APR (variable) based on assumed Credit Limit of £1,200. Standard interest rate for purchases: 18.95% p.a. (variable).
	Halifax 25 Month Balance Transfer Card Balance transfer fee refund offer - reduces a 3% balance transfer fee to 2.5%. Terms apply.	18.9%	0%	25 months	2.50%	0%	3 months	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Permanent UK Resident Yes Minimum Age 18 Existing Customer No Credit Rating Good Minimum Income £20,000
	Representative Example: 18.95% p.a. variable on card purchases. This is equivalent to 18.9% APR representative (variable) based on a credit limit of £1,200. The purchase rate is 18.95% pa (variable).
	Barclaycard Platinum Balance Transfer Card (27 Month)	18.9%	0%	27 months	3.50%	0%	6 months	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Age 18 Existing Customer No
	Representative Example: Annual purchase rate is 18.9% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
	Royal Bank of Scotland RBS Platinum Credit Card Travel and retail discounts	18.9%	0%	26 months	2.65%	0%	6 months	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Permanent UK Resident Yes Minimum Age 18 Existing Customer Available exclusively to customers with an RBS current account Credit Rating Good Minimum Income £10,000
	Representative Example: 18.9% APR (variable) based on assumed Credit Limit of £1,200. Standard interest rate for purchases: 18.95% p.a. (variable).
	Post Office Post Office Credit Card Various 0% offers	16.9%	0%	14 months	2.98%	0%	3 months	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Permanent UK Resident Yes Minimum Age 18 Existing Customer No Credit Rating Good Minimum Income £15,000
	Representative Example: 16.9% p.a. variable on card purchases. This is equivalent to 16.9% APR representative (variable) based on a credit limit of £1,200
	NatWest YourPoints World MasterCard £1 spent = 1 point. Use toward flights, holidays and on brands like M&S, Boots and Amazon.	16.9%	0%	15 months	2.90%	0%	15 months	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Permanent UK Resident Yes Minimum Age 18 Credit Rating Good Minimum Income £10,000
	Representative Example: 16.9% APR (variable) based on assumed Credit Limit of £1,200. Standard interest rate for purchases: 16.95% p.a. (variable)
	RBS YourPoints World Mastercard 2,500 bonus RBS YourPoints plus double YourPoints for first 9 months.	16.9%	0%	15 months	2.90%	0%	15 months	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Permanent UK Resident Yes Minimum Age 18 Existing Customer Only available to NatWest Current Account customers Credit Rating Good Minimum Income £10,000
	Representative Example: 16.9% APR (variable) based on assumed Credit Limit of £1,200. Standard interest rate for purchases: 16.95% p.a. (variable)
	Nationwide Credit Card	15.9%	0%	20 months	3.1%	0%	6 months	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Permanent UK Resident Yes Minimum Age 25 Existing Customer Must register for their Internet Banking Service if not already a Nationwide customer Credit Rating Good Minimum Income £25,000 Employment Status Employed
	Representative Example: 15.9% p.a.(variable) on card purchases. Equivalent to 15.9% APR representative (variable) based on a credit limit of £1,200.
	Barclaycard Platinum Balance Transfer Card (25 month) Refund offer on the balance transfer handling fee, was 3.5% now reduced to 2.4%.	18.9%	0%	25 months	2.4%	0%	6 months	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Age 18 Existing Customer No
	Representative Example: 18.9% APR representative (variable). Based on a credit limit of £1,500 and a purchase rate of 18.9% p.a. (variable).
	Halifax All in One Credit Card Apply before 25th June and Halifax will refund 66.6% of your balance transfer fee. Terms apply.	17.9%	0%	15 months	3.00%	0%	15 months	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Permanent UK Resident Yes Minimum Age 18 Existing Customer No Credit Rating Good
	Representative Example: 17.90% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 17.95% p.a. (variable)
	Barclaycard Gold Credit Card	19.9%	0%	12 months	2.5%		n/a	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Permanent UK Resident Yes Minimum Age 18 Existing Customer No
	Representative Example: 19.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 19.9% p.a. (variable).
	Barclaycard Initial Credit Card Receive £10 cashback when you spend a minimum of £200 in the first 3 months (Ts & Cs apply)	29.9%		n/a		0%	3 months	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Permanent UK Resident Yes Minimum Age 18 Existing Customer No
	Representative Example: 29.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 29.9% p.a. (variable).
	Saga Platinum Credit Card	11.9%	0%	9 months	3%	0%	9 months	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Permanent UK Resident Yes Minimum Age 50 Existing Customer No Credit Rating Good Minimum Income £12,000
	Representative Example: Representative 11.9% APR variable, based on £1,200 credit limit and annual purchase interest rate of 11.3% p.a. variable.
	Nationwide Select Credit Card Available only to Nationwide FlexAccount customers. 0.5% on all sterling purchases.	12.9%	0%	20 months	3.10%	0%	12 months	MORE INFO
	Representative Example: 12.9% APR Representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 12.9% p.a. (variable).

About credit cards

Credit cards don't come in many different shapes or sizes - but they're certainly not a 'one size fits all' solution either. There are hundreds of different deals on the market to suit all needs.

You should never use a credit card to fund a lifestyle outside of your means. Nor should it be used as a long term solution for debt. But there's many ways that you can use a credit card safely and to great advantage.

As well as having a backup source of funds should you find yourself with an unexpected bill to pay, a credit cards offers you the freedom to borrow money a lot more flexibly than with a standard bank loan.

You can borrow anything up to your limit and pay it back in whatever timeframe you choose, although you will have to pay interest and you will have to pay a minimum payment back each month.

A well-managed credit card can be good for your credit rating too - it indicates that you are a safe borrower and are less likely to default. However, you have to be careful not to borrow more than you can foreseeably pay back.

Available through all of the high street banks and building societies, popular credit cards often come with introductory perks like interest free periods on purchases or transfers from another card. You should balance out these offers with the overall interest rate you have to pay when you are weighing up the options.

Click here to find out more about choosing credit cards.

Important – Use of knowyourmoney.co.uk is subject to our Terms of Use