Barclaycard Platinum With Balance Transfer (33 Mths)
Balance TransfersPurchasesRepresentative APR
0% for 33 months
2.79% fee
0% for 6 months18.9%
A fee of 3.5% will be applied, then reduced to 2.79% by a refund. Terms and conditions apply.
Representative Example: The annual purchase rate is 18.9% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
 
MBNA Platinum Credit Card
Balance TransfersPurchasesRepresentative APR
0% for 31 months
2.88% fee
0% for 3 months18.9%
0% on money transfers for 31 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 2014.
Representative Example: The annual purchase rate is 18.9% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
 
Virgin Balance Transfer Credit Card
Balance TransfersPurchasesRepresentative APR
0% for 29 months
2.99% fee
0% for 6 months18.9%
0% on money transfers for 29 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 annual purchase rate is 18.9% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
 
Tesco Bank Clubcard Credit Card (Balance Transfer)
Balance TransfersPurchasesRepresentative APR
0% for 32 months
2.9% fee
0% for 3 months18.9%
Representative Example: The annual purchase rate is 18.94% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
 
MBNA Everyday Credit Card
Balance TransfersPurchasesRepresentative APR
0% for 21 months
1.5% fee
0% for 11 months14.9%
0% on money transfers for 21 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 2014.
Representative Example: The annual purchase rate is 14.9% p.a.(variable) so if you spend £1,200 your representative APR will be 14.9% (variable).
 
Halifax Balance Transfer Credit Card (30 Mths) - Semi Excl
Balance TransfersPurchasesRepresentative APR
0% for 30 months
2.5% fee
0% for 6 months18.9%
Representative Example: The annual purchase rate is 18.95% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
 
Tesco Bank Clubcard Credit Card with Low BT Fee
Balance TransfersPurchasesRepresentative APR
0% for 12 months
0.65% fee
0% for 12 months18.9%
Representative Example: The annual purchase rate is 18.94% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
 
Aqua Classic Card (29.7%) - Semi Excl
Balance TransfersPurchasesRepresentative APR
--29.7%
Helps build your credit rating, and now track changes with FREE reports and alerts worth up to £80 per year. Get a response in 60 seconds.
Representative Example: The annual purchase rate is 29.71% p.a.(variable) so if you spend £1,200 your representative APR will be 29.7% (variable).
 
Capital One Classic Card
Balance TransfersPurchasesRepresentative APR
--34.9%
A quick response in 60 seconds.
Representative Example: 34.9% APR representative variable. Based on £1,200 credit limit & annual purchase rate 34.94% p.a. variable.
 
Tesco Bank Clubcard Credit Card for Purchases
Balance TransfersPurchasesRepresentative APR
0% for 3 months
2.9% fee
0% for 19 months18.9%
Representative Example: The annual purchase rate is 18.94% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
 
Sainsbury's Bank Nectar Low Rate Credit Card
Balance TransfersPurchasesRepresentative APR
6.95% variablevariable6.9%
Double Nectar points on Sainsbury's shopping and 1 Nectar point for every £5 spent on your card elsewhere.
Representative Example: The annual purchase rate is 6.95% p.a.(variable) so if you spend £1,200 your representative APR will be 6.9% (variable).
 
Vanquis Visa Card
Balance TransfersPurchasesRepresentative APR
--39.9%
Suitable if you are new to credit, had had CCJs or other issues with credit. Can apply for up to £1,000 credit.
Representative Example: Representative 39.9% APR variable. Based on £1,000 credit limit & annual purchase rate 39.94% p.a. variable.
 
Barclaycard Platinum Purchase
Balance TransfersPurchasesRepresentative APR
0% for 19 months
2.49% fee
0% for 14 months18.9%
A fee of 2.9% will be applied, then reduced to 2.49% by a refund (terms and conditions apply).
Representative Example: The annual purchase rate is 18.9% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
 
Sainsbury's Bank Nectar Credit Card
Balance TransfersPurchasesRepresentative APR
0% for 16 months
3% fee
0% for 16 months16.9%
Double Nectar points on Sainsbury's shopping and 1 Nectar point for every £5 spent on your card elsewhere.
Representative Example: The annual purchase rate is 16.94% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).
 
Barclaycard Platinum With Balance Transfer (32 Mths)
Balance TransfersPurchasesRepresentative APR
0% for 32 months
2.69% fee
0% for 6 months18.9%
A fee of 3.5% will be applied, then reduced to 2.69% by a refund. Terms and conditions apply.
Representative Example: The annual purchase rate is 18.9% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
 
Halifax Balance Transfer Credit Card (32 Mths)
Balance TransfersPurchasesRepresentative APR
0% for 32 months
2.7% fee
0% for 6 months18.9%
Balance transfer refund available - a 3% initial fee will be charged, however 0.3% of the balance will be refunded automatically within 90 days.
Representative Example: The annual purchase rate is 18.95% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
 
Sainsbury's Bank Nectar Balance Transfer Credit Card
Balance TransfersPurchasesRepresentative APR
0% for 31 months
2.89% fee
0% for 6 months18.9%
Representative Example: The annual purchase rate is 18.95% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
 
Bank of Scotland Platinum Balance Transfer Card (28 Mths)
Balance TransfersPurchasesRepresentative APR
0% for 28 months
1.5% fee
0% for 12 months18.9%
The APR and length of the promotional offer are dependent on your personal circumstances.
Representative Example: The annual purchase rate is 18.95% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
 
Capital One Classic Platinum Card
Balance TransfersPurchasesRepresentative APR
--29.8%
Representative example: Assuming a credit limit of £1,200 and an interest rate on purchases of 29.84% p.a. variable, you will receive a 29.8% APR representative variable.
 
Santander Purchase Credit Card
Balance TransfersPurchasesRepresentative APR
0% for 9 months
3% fee
0% for 18 months18.9%
Representative Example: The annual purchase rate is 18.9% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
 

money.co.uk, Dot Zinc Limited, 160 Fleet Street,London. EC4A 2DQ. We are a Credit Broker for all consumer credit products listed on money.co.uk.

We provide an independent comparison service free of charge but we may receive a commission from some of the companies we refer you to. These are indicated with purple buttons.

How to Find the Best Credit Card Deals 2014

We help you compare credit cards 2014 deals whether you need a card for spending, balance transfer or rewards.

Lady Laptop Credit Cards

The best credit cards 2014 has to offer will depend on your particular financial needs and circumstances. This means the first thing you should do to ensure you choose the right card is establish exactly what those needs are.

If you've got a history of bad credit your options will likely be restricted to high APR credit builder cards. If you've got a good credit score you'll have more options, but you should still shop around and compare deals to find the best card for you.

First, you should assess your goals and how you'd want to use a card. Second, choose a card-type to fit those goals. Third, compare suitable cards to find the best credit card to take use into 2014 and beyond.

0% purchases credit cards

If you want a credit card to spread the cost of a large purchase, compare the best 0% APR credit cards 2014. They provide an introductory 0% period during which your spending doesn't incur interest, so the longer this period lasts, the better.

You will need to bear in mind the card's subsequent APR once that initial period ends, because if you overrun the 0% offer your remaining balance will start to accrue interest at that rate - costing you more over the long term.

Balance transfer credit cards

If you want a card to start paying off some of your debt then you should consider balance transfer and super balance transfer cards 2014.

These cards won't charge interest on borrowing added to the card when you first open it; however they tend to charge a one off fee that's a percentage of the balance transfer itself.

To get the best balance transfer credit cards 2014 you should look for a combination of long 0% period (on transfers) and low initial fee; if you are confident of paying the borrowing off in a short amount of time then you can start prioritising the cheapest transfer fee.

Reward credit cards

If you don't need a card to spread the cost of a one-off purchase or to begin repaying debt, another option is to compare the best rewards credit card 2014 can offer. You'll be able to earn benefits, discounts or straightforward cashback through regular use.

Regular travellers could benefit hugely from using the best air miles credit card 2014; the points earned can be put towards paying future air fares. For other types of reward cards, compare the points, airmiles or cashback offered by each and find out how you earn them to find the most cost effective card for you.

Whichever card you end up choosing, you won't get its full value unless you use it appropriately. That means matching the best credit cards for 2014 to your finances and typical/planned spending patterns before you apply.

Finally, make sure you're eligible for the card you apply for. Do this by checking the minimum income specified by the card company as well as any attached terms and conditions.

You could also consider getting a credit report to check your creditworthiness if you're unsure whether or not to apply.

If you keep in mind your financial needs and planned card use, you can be confident of picking the right option from the best value credit cards 2014.

Credit Card Comparison