Compare Credit Cards

Compare hundreds of credit cards instantly, including 0% balance transfers, 0% purchases, low APRs, cashback and rewards - and apply online today. We can help you find the best deal whether it's interest free, prepaid, business or bad credit credit cards you're interested in.

Credit Cards

Glossary of Terms	Company / Product	Balance Transfer Intro			Purchase Intro		Typical APR	More Info	Visit Site
	Company	Rate	Duration	Fee	Rate	Duration
Promoted Results
	Barclaycard Platinum With Balance Transfer	0%	15months	2.9%	0%	3months	15.9%
	Barclaycard Platinum With Balance Transfer	With contactless payment technology, a new quick and easy way to pay for purchases of £10 or under
	Egg Visa Credit Card	0%	untilApr 2011	3%	0%	untilMay 2010	16.9%
	Halifax All in One Card MasterCard	0%	9months	3%	0%	9months	15.9%
	American Express Rewards Credit Card	n/a	n/a	n/a	0%	6months	17.9%
	American Express Rewards Credit Card	Earn points on your everday spend. 3 points for every £1 in supermarkets. 6000 bonus points if you spend £500 in first 3 months.
	MBNA Platinum Plus Card	0%	13months	2.9%	0%	3months	16.9%
	MBNA Platinum Plus Card	0% on balance transfers for 13 months when made within the first 90 days
	Virgin Credit Card	0%	16months	2.98%	0%	3months	16.6%
	Virgin Credit Card	Can't wait to get a credit card? They could give you a decision online right now.
	NatWest Platinum Card Ex/C	0%	15months	2.9%	0%	3months	16.9%
	NatWest Platinum Card Ex/C	This offer is only available to existing NatWest Customers.
	Saga Platinum	0%	9months	3%	0%	9months	11.9%
	Saga Platinum	This product is only available to those aged over 50.
	BT Cash led Credit Card	0%	13months	3%	0%	3months	16.9%
	MBNA Platinum Rewards Card	0%	13months	2.9%	0%	3months	16.9%
	MBNA Platinum Rewards Card	Receive MBNA Reward points for all your retail spending and earn bonus MBNA Reward points at selected Partners
	Bank of Scotland All in One Card MasterCard	0%	9months	3%	0%	9months	15.9%
	Tesco Clubcard MasterCard	0%	6months	2%	0%	12months	16.9%
	Tesco Clubcard MasterCard	Fastest way to collect Clubcard points everywhere you shop!
	AA The Credit Card	0%	untilFeb 2011	2.99%	0%	untilFeb 2011	16.9%
	AA The Credit Card	0% ONLY on motoring and fuel purchases. Rewards Points to purchase from a range of motoring products and services.
	American Express Platinum Cashback Credit Card	n/a	n/a	n/a	n/a	n/a	19.9%
	American Express Platinum Cashback Credit Card	5% cashback for first 3 months, then 1.5% thereafter.
	British Airways BA American Express Credit Card	n/a	n/a	n/a	n/a	n/a	19.9%
	British Airways BA American Express Credit Card	Apply now and earn 1,000 BA miles.
	Nationwide Gold Visa	0%	13months	3%	0%	3months	16.9%
	Nationwide Gold Visa	Have to register for their Internet Banking if not already a Nationwide customer.
	Capital One Classic Visa Card	n/a	n/a	n/a	n/a	n/a	34.9%
	Capital One Classic Visa Card	Declined a card? Need to improve your rating? Get a reply in 1 minute.
	RBS Platinum Card Ex/C	0%	15months	2.9%	0%	3months	16.9%
	RBS Platinum Card Ex/C	This offer is only available to existing RBS Customers.
	Virgin Atlantic Amex White Card from MBNA	0%	6months	2%	n/a	n/a	17.9%
	Virgin Atlantic Amex White Card from MBNA	3000 bonus Flying Club miles on first spend, plus 1 mile for every £1 spent.
	MBNA 6.7% Low Rate American Express	6.7%	Unlimited	0%	n/a	n/a	6.7%
	Barclaycard Gold Credit Card	0%	untilMar 2011	2.5%	n/a	n/a	19.9%
	Barclaycard Gold Credit Card	A card to strengthen your credit rating, with 0% interest on balance transfers until Mar 2011 from opening account (2.5% handling fee)
	Halifax Easy Rate Credit Card Exclusive	n/a	n/a	0%	n/a	n/a	8.9%
	Barclaycard Gold Visa 6 Month BT Reduction	0%	6months	2.5%	n/a	n/a	19.9%
	Barclaycard Gold Visa 6 Month BT Reduction	A card to strengthen your credit rating. 0.5% APR decrease every 6 mths (maximum 2% decrease) for 35 mths.
	Barclaycard Goldfish Credit Card	9.9%	Unlimited	0%	0%	3months	9.9%
	NatWest Classic Card Ex/C	n/a	n/a	n/a	4.9%	9months	19.9%
	NatWest Classic Card Ex/C	This offer is only available to existing NatWest Current Account customers.
	RBS Classic Card Ex/C	n/a	n/a	n/a	4.9%	9months	19.9%
	RBS Classic Card Ex/C	This offer is only available to existing RBS Current Account customers.
	MBNA Platinum Visa Credit Card	5.9	Unlimited	2%	n/a	n/a	16.9%
	MBNA Platinum Visa Credit Card	5.9% on balance transfers made now until paid off.
	MBNA Breakthrough Breast Cancer Credit Card	0%	12months	3%	0%	3months	15.9%
	MBNA Breakthrough Breast Cancer Credit Card	On first use: Breakthrough receive £5 from MBNA (within 90 days) & 25p for every £100 spent on card purchases. £2 for every year you continue to use your card.
	bmi American Express Credit Card from MBNA	0%	12months	3%	0%	3months	15.9%
	bmi American Express Credit Card from MBNA	bmi American Express Credit Card from MBNA gives you the opportunity to earn bmi destinations miles through everyday spending.
	MBNA Miles & More American Express	0%	12months	3%	0%	3months	15.9%
	MBNA Arsenal FC Card	0%	12months	3%	0%	3months	15.9%
	MBNA Arsenal FC Card	Contribution made to the Arsenal Youth Development programme. 3% fee applies on balance transfers.
	MBNA British Heart Foundation MasterCard	0%	12months	3%	0%	3months	15.9%
	MBNA British Heart Foundation MasterCard	Contribution made to BHF every time you use your card at no extra cost to you. 3% bal.trans. fee.
	MBNA Chelsea FC Card	0%	12months	3%	0%	3months	15.9%
	MBNA Chelsea FC Card	Chelsea FC receive a contribution at no extra cost to you every time you use your card. 3% bal trans fee.
	MBNA Liverpool FC Card	0%	12months	3%	0%	3months	15.9%
	MBNA Liverpool FC Card	MBNA make a contribution to the club every time you use your card. 3% fee applies on balance transfers.
	MBNA Manchester UTD FC Card	0%	12months	3%	0%	3months	15.9%
	MBNA Manchester UTD FC Card	Earn RedReward points & get entered into monthly draws for Man U. prizes. 3% bal trans fee.
	MBNA The National Trust MasterCard	0%	12months	3%	0%	3months	15.9%
	MBNA The National Trust MasterCard	On first use: the National Trust receive £15 from MBNA (within 90 days) & 30p for every £100 spent on card purchases. £2 for every year you continue to use your card.
	Vanquis The Visa Card	n/a	n/a	n/a	n/a	n/a	39.9%
	Vanquis The Visa Card	Suitable if you are new to credit, have had CCJs or have bad credit history. Can apply for up to £2,000 credit.
	MBNA RSPCA Visa Card	0%	12months	3%	0%	3months	15.9%
	MBNA RSPCA Visa Card	On first use: RSPCA receive £20 from MBNA (within 90 days) & 25p for every £100 spent on card purchases.
	MBNA Dog's Trust	0%	12months	3%	0%	3months	15.9%
	Capital One Plus MasterCard	n/a	n/a	n/a	0%	untilAug 2010	14.9%
	Capital One Progress MasterCard	n/a	n/a	n/a	n/a	n/a	34.9%
	UNICEF Credit Card	0%	12months	3%	0%	3months	15.9%
	Barclaycard MasterCard Business Credit Card	n/a	n/a	n/a	15.2%	n/a	19.9%
	Barclaycard Visa Gold Business Credit Card	n/a	n/a	n/a	15.2%	n/a	19.9%
	Barclaycard Platinum Business Credit Card	n/a	n/a	n/a	15.2%	n/a	26.9%
	British Airways BA American Express Premium Plus Credit Card	n/a	n/a	n/a	n/a	n/a	46%
		Earn 1.5 BA Air Miles for virtually every £1 spent plus 6000 Bonus BA Miles.
	MBNA Aston Villa FC Card	0%	12months	3%	0%	3months	15.9%
	MBNA Aston Villa FC Card	Earn rewards points on their new Football Rewards scheme. 3% handling fee applies on balance transfers.
	MBNA England FC Card	0%	12months	3%	0%	3months	15.9%
	MBNA England FC Card	Receive a free replica England Football home shirt. (A handling fee applies)
	MBNA Tottenham Hotspur FC Card	0%	12months	3%	0%	3months	15.9%
	MBNA Tottenham Hotspur FC Card	Each time you spend on your card, a contribution is made to your Club at no extra cost. 3% b.t. fee.
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Credit Cards Explained

Looking for a credit card but confused about your options? We explain the basics here.

Credit card spending can be tricky to master, get it right and you are laughing all the way to the bank with instant access to cheap credit and the potential to earn a little back in the meantime, however get it wrong and it’s easy to fall into the debt trap, leaving yourself faced with huge interest bills and unmanageable repayments.

Which side of the fence you fall largely depends on the type of credit card you use and, for this reason it’s essential that you focus on finding a card that works with the way you spend.

Having said that, with so many different credit cards available finding your ideal spending partner is something that’s often easier said than done.

So, to make the whole process completely stress free we explain how to find the credit card that’s right for you.

The balance transfer card

If you have existing credit card debt and often pay interest on your borrowing your primary focus should be on making your outstanding balances as cheap as possible so that they’re easier to clear. Often the best way to do this is with a balance transfer card.

Balance transfer deals enable you to shift your existing credit card debt to a new card that charges a lower rate of interest than the one you are currently using. When it comes to doing this you have two main options:

0% balance transfer cards - This type of card typically offers a 0% period during which any balances you transfer will remain interest free and 100% of any payments you make will go towards clearing your debt.

Introductory offers can last anywhere from 6 to12 months so when choosing a card it’s usually best to go for the longest deal possible as, if you haven’t managed to clear your balance in the interest free time frame you will start to accumulate interest at the card’s standing rate.

When looking to save money on your existing debt by switching to a 0% balance transfer card you will also need to consider the ‘balance transfer fee’ that most providers charge. This tends to be a certain percentage of the total amount transferred and is something you will need to factor in when working out which card will save you the most money.

Lifetime balance transfer cards - If you are carrying large balances on your credit card and aren’t keen on switching provider every time a 0% offer expires then a lifetime balance transfer card may be right for you.

Although these cards charge interest it will be at a much lower rate than you would pay on a standard credit card, meaning that more of your payments will go towards clearing your debts.

Generally, the lower the rate of interest available on these cards the better and, as most do not charge you a fee for balances transferred, it makes them an even better option.

For more information on using balance transfer cards to save money on your debt click here.

The purchase card

If you’re looking to make a large purchase and spread the payments out over a number of months, a specially designed ‘purchase’ credit card can often be a cost effective option as many providers offer interest free introductory offers on new spending.

The best way to take advantage of these deals is, as you would a loan, make your purchase as soon as you receive your card (so that you can benefit from as many months of the 0% deal as possible) and then set up a direct debit to pay an equal amount back to the provider each month so that by the time the 0% deal expires you have cleared your outstanding completely.

If you’re looking to use your credit card to make a big spend it’s important to go for the longest 0% purchase deal possible so that you can avoid paying interest on your purchase. However, if you find yourself unable to clear it during this time you’ll need to look to taking advantage of the facilities offered by a balance transfer card.

The reward card

If you always pay your credit card off in full each month instead of focusing on the APRs and introductory offers important to other card users you need to choose a credit card that is going to put money back in your pocket.

Cashback cards are the obvious option, crediting a certain percentage of your spend back each year you are effectively getting paid to shop. Most cards of this type pay a cashback rate of around 1% however, as a sign up incentive many also offer a higher percentage return for your first few months which can make spending by credit card very worthwhile.

There are also a number of cards available that offer alternate rewards. Ranging from air miles and reward points to discounts on household bills and fuel these can also be a very profitable way to get a little back from your credit card company. So, when making your decision as to which to go for it really comes down to choosing the credit card that offers the benefit you’ll get the most from.

For more information on making money from your credit cards click here.

The ‘bad credit’ card

If you have a less than perfect credit history it can be difficult to get accepted for market leading credit card offers and continually applying and getting declined doesn’t do wanders for improving your score either. However, there is an option available to you that can give you some flexibility with your spending and help build your credit rating at the same time.

Offered by a number of providers ‘bad credit’ cards can provide a realistic means of getting on the credit card ladder as lenders are often willing to accept applications from those who have been declined elsewhere, although they will often charge a very high rate of interest for the privilege .

For this reason the best way to use ‘bad credit’ cards is to make a few purchases each month and then pay the balance off in full and on time so that you gradually begin to build a strong, reliable credit history without accumulating any interest on your spending.

For more information on building your credit rating click here.