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.
	Halifax 22 Month Balance Transfer Card 0% for the first 22 months on balance transfers	17.9%	0%	22 months	3.50%	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: 17.95% p.a. variable on card purchases. This is equivalent to 17.9% APR representative (variable) based on a credit limit of £1,200. The purchase rate is 17.95% pa (variable).
	Barclaycard Platinum Balance Transfer Card (22 Month) £30 fee refund when you transfer a balance of £2,500 or more (terms and conditions apply)	17.9%	0%	22 months	2.90%	0%	3 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 17.9% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).
	Virgin Money Balance Transfer Card	16.8%	0%	20 months	2.99%	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
	Representative Example: 16.8% p.a. (variable) on card purchases. Equivalent to 16.8% APR representative (variable) based on a credit limit of £1,200.
	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
	Nationwide Credit Card Extended warranty on gas & electrical products	15.9%	0%	20 months	3.10%	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.
	NatWest YourPoints World MasterCard	17.9%	0%	13 months	2.90%	0%	13 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: 17.9% APR (variable) based on assumed Credit Limit of £1,200. Standard interest rate for purchases: 17.95% p.a. (variable)
	RBS YourPoints World Mastercard	17.9%	0%	13 months	2.90%	0%	13 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: 17.9% APR (variable) based on assumed Credit Limit of £1,200. Standard interest rate for purchases: 17.95% p.a. (variable)
	Halifax 17 Month Balance Transfer Card	16.9%	0%	17 months	3.00%	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: Representative 16.9% APR variable. Based on £1,200 credit limit & annual purchase rate 16.9% p.a. variable.
	Halifax Rewards All in One Card Only available to Halifax Current Account and Ultimate Reward Current Account holders	17.9%	0%	13 months	3.00%	0%	13 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 Yes
	Representative Example: Based on borrowing £1,200 and repaying over 12 months the representative rate would be 17.9% APR (variable). The purchase rate is 17.95% pa (variable).
	Virgin Money Retail Credit Card	18.9%	0%	13 months	2.89%	0%	13 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: 18.9% p.a. (variable) on card purchases. Equivalent to 18.9% APR representative (variable) based on a credit limit of £1,200.
	Barclaycard Gold Credit Card Discounts and deals with Barclaycard retail partners	19.9%	0%	6 mths	2.50%	0%	13 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: 19.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 19.9% p.a. (variable).
	HSBC HSBC Credit Card	17.9%	0%	23 months	3.30%	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 Only available to HSBC Current Account customers Credit Rating Good Minimum Income £10,000
	Representative Example: 17.9% APR representative variable. Based on credit limit of £1200, 17.9% rate p.a for new purchases.
	Barclaycard Initial Credit Card Discounts with Barclaycard retail partners	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).
	Bank of Scotland All In One Card	15.9%	0%	12 months	3%	0%	12 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)
	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.
	Virgin Money All Round Credit Card	15.8%	0%	16 months	1.99%	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 No
	Representative Example: 15.8% p.a. (variable) on card purchases. Equivalent to 15.8% APR representative (variable) based on a credit limit of £1,200.
	Halifax 20 Month Balance Transfer Card Includes Halifax MasterCard discounts on travel, entertainment and shopping.	16.9%	0%	20 months	3.00%	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: 16.94% p.a. variable on card purchases. This is equivalent to 16.9% APR representative (variable) based on a credit limit of £1,200. The APR and length of the promotional offer are dependent on your personal circumstances.
	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
	Nationwide Select Credit Card Available only to Nationwide FlexAccount customers.	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).
	Barclaycard Platinum Balance Transfer Card Includes refund offer which reduces handling fee to equivalent to 2.6% for everyone	17.9%	0%	21 months	2.90%	0%	3 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: 17.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 17.9% 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.

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