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Barclaycard Platinum With Balance Transfer (36 Mths)
Balance transfers
0% for 36 months with a 2.49% fee
Purchases
0% for 6 months
Representative APR (variable)
18.9% APR
A fee of 3.5% will be applied, then reduced to 2.49% until 01/06/15 by a refund (terms and conditions apply)
Representative Example: The standard interest rate on purchases is 18.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
Tesco Bank Clubcard Credit Card (Balance Transfer)
Balance transfers
0% for 35 months with a 2.7% fee
Purchases
0% for 3 months
Representative APR (variable)
18.9% APR
Representative Example: The standard interest rate on purchases is 18.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
Sainsbury's Bank Nectar Purchase Credit Card
Balance transfers
0% for 19 months with a 3% fee
Purchases
0% for 19 months
Representative APR (variable)
18.9% APR
Representative Example: The standard interest rate on purchases is 18.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
MBNA Everyday Credit Card
Balance transfers
0% for 22 months with a 1.75% fee
Purchases
0% for 16 months
Representative APR (variable)
18.9% APR
0% on money transfers for 22 months from the date your account is opened (4% handling fee). For this great rate your balance needs to be transferred within the first 60 days of your account opening. ConsumerMoneyfacts Credit Card Provider of 2015.
Representative Example: The standard interest rate on purchases is 18.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
Aqua Classic Card (29.7%) - Semi Excl
Balance transfers
29.71% p.a. variable with a 3% fee
Purchases
29.71% p.a. variable
Representative APR (variable)
29.7% APR
Free aqua credit checker. Aqua has said yes to over 750,000 customers in the UK.
Representative Example: The standard interest rate on purchases is 29.71% p.a. (variable), so if you borrow £1,200 the Representative APR will be 29.7% APR (variable).
Tesco Bank Clubcard Credit Card for Purchases
Balance transfers
0% for 3 months with a 2.9% fee
Purchases
0% for 21 months
Representative APR (variable)
18.9% APR
Representative Example: The standard interest rate on purchases is 18.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
Sainsbury's Bank Nectar No BT Fee Credit Card
Balance transfers
0% for 13 months with no fee
Purchases
0% for 13 months
Representative APR (variable)
18.9% APR
Representative Example: The standard interest rate on purchases is 18.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
Barclaycard Platinum With Balance Transfer (35 Mths)
Balance transfers
0% for 35 months with a 2.39% fee
Purchases
0% for 6 months
Representative APR (variable)
18.9% APR
A fee of 3.5% will be applied, then reduced to 2.39% until 01/06/15 by a refund (terms and conditions apply)
Representative Example: The standard interest rate on purchases is 18.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
Capital One Classic Card
Balance transfers
34.94% p.a. variable with a 3% fee
Purchases
34.94% p.a. variable
Representative APR (variable)
34.9% APR
A response in 60 seconds.
Representative Example: The standard interest rate on purchases is 34.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 34.9% APR (variable).
MBNA Platinum Credit Card (35 Mths)
Balance transfers
0% for 35 months with a 2.69% fee
Purchases
18.9% p.a. variable
Representative APR (variable)
18.9% APR
0% on money transfers for 12 months from the date your account is opened (4% handling fee). For this great rate your balance needs to be transferred within the first 60 days of your account opening.
Representative Example: The standard interest rate on purchases is 18.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
Vanquis Credit Card
Balance transfers
-
Purchases
39.94% p.a. variable
Representative APR (variable)
39.9% APR
Suitable if you are new to credit, had had CCJs or other issues with credit. Can apply for up to £1,000 credit, subject to status.
Representative Example: The standard interest rate on purchases is 39.94% p.a. (variable), so if you borrow £1,000 the Representative APR will be 39.9% APR (variable).
Bank of Scotland Platinum Balance Transfer Card (28 Mths)
Balance transfers
0% for 28 months with a 1.5% fee
Purchases
0% for 12 months
Representative APR (variable)
18.9% APR
1.5% Balance transfer fee applies in the first 90 days, 3% fee applies there after.
Representative Example: The standard interest rate on purchases is 18.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
Tesco Bank Clubcard Credit Card with No BT Fee
Balance transfers
0% for 18 months with no fee
Purchases
0% for 1 month
Representative APR (variable)
18.9% APR
No Balance Transfer fee. Earn Clubcard points wherever you use your card, plus your usual points in Tesco, Terms apply.
Representative Example: The standard interest rate on purchases is 18.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
MBNA Low Rate Credit Card
Balance transfers
6.5% p.a. variable with no fee
Purchases
6.5% p.a. variable
Representative APR (variable)
6.6% APR
Representative Example: The standard interest rate on purchases is 6.5% p.a. (variable), so if you borrow £1,200 the Representative APR will be 6.6% APR (variable).
Sainsbury's Bank Nectar Balance Transfer Credit Card
Balance transfers
0% for 34 months with a 2.89% fee
Purchases
0% for 6 months
Representative APR (variable)
18.9% APR
Representative Example: The standard interest rate on purchases is 18.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
Tesco Bank Clubcard Credit Card (Balance Transfer) Semi Excl
Balance transfers
0% for 28 months with a 1.49% fee
Purchases
0% for 3 months
Representative APR (variable)
18.9% APR
Representative Example: The standard interest rate on purchases is 18.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
Capital One Classic Platinum Card
Balance transfers
29.84% p.a. variable with a 3% fee
Purchases
29.84% p.a. variable
Representative APR (variable)
29.8% APR
Representative Example: The standard interest rate on purchases is 29.84% p.a. (variable), so if you borrow £1,200 the Representative APR will be 29.8% APR (variable).
Ocean Finance Credit Card
Balance transfers
34.94% p.a. variable with a 3% fee
Purchases
34.94% p.a. variable
Representative APR (variable)
34.9% APR
Representative Example: The standard interest rate on purchases is 34.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 34.9% APR (variable).
Aqua Advance Card
Balance transfers
34.92% p.a. variable with a 3% fee
Purchases
34.92% p.a. variable
Representative APR (variable)
34.9% APR
Free aqua credit checker. Aqua has said yes to over 750,000 customers in the UK.
Representative Example: The standard interest rate on purchases is 34.92% p.a. (variable), so if you borrow £1,200 the Representative APR will be 34.9% APR (variable).
Bank of Scotland Platinum Balance Transfer Card (36 Mths)
Balance transfers
0% for 36 months with a 3% fee
Purchases
0% for 6 months
Representative APR (variable)
18.9% APR
Representative Example: The standard interest rate on purchases is 18.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
Yorkshire Bank Gold Credit Card
Balance transfers
0% for 12 months with a 3% fee
Purchases
0% for 20 months
Representative APR (variable)
18.9% APR
Representative Example: The standard interest rate on purchases is 18.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
Aquis Credit Card
Balance transfers
-
Purchases
29.84% p.a. variable
Representative APR (variable)
29.8% APR
Credit offered by Vanquis Bank.
Representative Example: The standard interest rate on purchases is 29.84% p.a. (variable), so if you borrow £1,000 the Representative APR will be 29.8% APR (variable).
Lloyds Bank Platinum Balance Transfer Card (28 Mths)
Balance transfers
0% for 28 months with a 1.5% fee
Purchases
0% for 12 months
Representative APR (variable)
18.9% APR
1.5% Balance transfer fee applies in the first 90 days, 3% fee applies there after.
Representative Example: The standard interest rate on purchases is 18.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
Halifax All in One Credit Card
Balance transfers
0% for 19 months with a 1% fee
Purchases
0% for 16 months
Representative APR (variable)
18.9% APR
Representative Example: The standard interest rate on purchases is 18.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
Clydesdale Bank Gold Credit Card
Balance transfers
0% for 12 months with a 3% fee
Purchases
0% for 20 months
Representative APR (variable)
18.9% APR
Representative Example: The standard interest rate on purchases is 18.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
Barclaycard Initial Credit Card
Balance transfers
34.9% p.a. variable with a fee
Purchases
0% for 6 months
Representative APR (variable)
34.9% APR
0% interest on all your purchases for six months from account opening. Offer available until 4th June 2015.
Not available to applicants who already have a Barclaycard credit card.
Representative Example: The standard interest rate on purchases is 34.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 34.9% APR (variable).
American Express Platinum Cashback Credit Card
Balance transfers
14% p.a. variable with a 3% fee
Purchases
14% p.a. variable
Representative APR (variable)
18.7% APR
Get 5% cashback on up to £2,500 of purchases in your first 3 months of Card membership, then 1.25% thereafter.
Representative Example: The standard interest rate on purchases is 14% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.7% APR (variable). £25 annual fee.
Barclaycard Platinum Purchase
Balance transfers
0% for 23 months with a 2.49% fee
Purchases
0% for 14 months
Representative APR (variable)
18.9% APR
A fee of 3.5% will be applied, then reduced to 2.49% by a refund (terms and conditions apply).
Representative Example: The standard interest rate on purchases is 18.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
Barclaycard Platinum With Balance Transfer (28 Mths)
Balance transfers
0% for 28 months with a 1.35% fee
Purchases
0% for 6 months
Representative APR (variable)
18.9% APR
Representative Example: The standard interest rate on purchases is 18.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
Lloyds Bank Avios Rewards Credit Card
Balance transfers
0% for 28 months with a 3% fee
Purchases
0% for 12 months
Representative APR (variable)
23.7% APR
No foreign transaction fees when using your cards abroad. Flight upgrade upon £7,000 spend per year. Double Avios points for the first 6 months on the Avios American Express Card.
Representative Example: The standard interest rate on purchases is 18.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 23.7% APR (variable). £24 annual fee.

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How to Find the Best Credit Card

Looking for a new credit card? Look no further! Here is everything you need to know about which credit card to apply for so you can pick the best deal for you.

Which credit card is right for you?

Credit cards are a great financial tool when used well and with so many options available the right card is out there for you, whatever your financial situation.

The best buy credit card might not be the best one for you, so make sure you shop around. Think carefully about your personal circumstances and what you want to use yours for before you start looking. Here are the main options you will have to choose from:

Want to borrow interest free? Go for 0% purchases

If you are looking to make a large purchase and then spread the cost over a number of months, 0% purchase cards would be the way to go. Read our guide How to Choose the Best Credit Card for Purchases to find out more and go to our 0% purchase comparison table to find the top deals right now.

Paying interest on credit cards? Balance transfer

If you are paying interest on existing credit card debt then a 0% balance transfer could save you some serious money! By choosing a deal that gives you long enough to repay your borrowing interest free but charges a low fee you should be able to clear what you owe faster.

How to Find the Best Credit Card 0% Balance Transfers explains how to pick the deal that will help you save the most. You can compare offers in our 0% balance transfer comparison table.

Always pay off your balance? Get cashback!

If you plan to be a model user and pay off your balance in full every month, then why not consider an option that rewards such good behaviour?

A cashback credit card works by giving you a small percentage of the money you spend back in cold hard cash. So as long as you repay your borrowing in full each month and avoid interest charges, you could actually make a profit! To find out how to take advantage, check out our guide How to Make the Most of Cashback Credit Cards.

Rewards credit cards work in much the same way, however they offer various perks like shopping vouchers when you spend over a certain amount and pay off the balance. The more you spend the more you get! Read our guide Credit Card Cashback & Rewards FAQ, for more on cashback and rewards deals.

Worried you have bad credit?

No matter what your situation there are credit cards out there for you and used carefully they can even help improve your finances!

A number of providers offer cards designed especially for those with a poor financial history, and you can use them to rebuild your credit score as well as for day to day spending.

To learn more about how a credit card can help you get back on your feet financially, read our guide 5 Rules for Using a Credit Card to Build Credit. Take a look at our credit building comparison table to see the deals available and read our guide Bad Credit Credit Cards to find out more.

It is always a good idea to check your credit report and the eligibility criteria before you apply for any card. Our guide How to Check Your Credit Report is a great place to start.

How much do credit cards cost?

Interest rates are one of the first things you will need to look at when comparing what is on offer. These will determine how much using each card will cost you, so the lower they are the better!

The Representative APR and Representative Example will give you an indication of the comparative cost of borrowing using each card. However, although these incorporate annual fees they are not necessarily as useful as they seem. Read our guide Credit Card Interest Rates Explained to find out more.

Compare deals and apply for a credit card

Once you have been through your options and established what you need, you can begin to compare deals. As soon as you have found an option that ticks all the boxes you can apply online.

Be sure not to apply for more than one card at a time, as each application will show up on your credit history. Read our guides How to Apply for A Credit Card and The Reason You Won't Get Approved for the Credit Card You Want for useful tips that will help you apply with confidence!

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Credit card FAQs

Credit cards can be a cheap and flexible way to borrow money. But with so many different cards on the market, a host of rules and potentially high charges, you need to be on the ball.

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