Today's
best credit card deals -
Saturday 04 February 2012
Credit cards offering the most number of months at 0% on balance transfers listed first.
| Credit card | Balance Transfers | Purchases | Representative APR | |
|---|
| HSBC Credit Card | 0% for
23 months
3.30% fee | 0% for
3 months
| 17.90%
| |
|
Cashback/Rewards:
You will receive up to an 8% discount on holidays booked through the HSBC Travel Service. Refer to provider for full details.
|
Representative Example
If you spent £1200 on this card with an annual interest rate of 17.90% (variable) your representative APR would be 17.90% (variable)
|
| Credit card | Balance Transfers | Purchases | Representative APR | |
|---|
| Barclaycard Platinum Credit Card with Extended Balance Transfer | 0% for
22 months
2.90% fee | 0% for
3 months
| 17.90%
| |
|
Cashback/Rewards:
You will have access to Barclaycard Unwind which gives you exclusive access to intimate gigs, exclusive content and music news, exclusive tickets and Unwind at Wembley Arena where you can enjoy advanced ticketing for shows and even be a VIP guest in the Wembley Unwind lounge. |
Representative Example
If you spent £1200 on this card with an annual interest rate of 17.90% (variable) your representative APR would be 17.90% (variable)
|
| Credit card | Balance Transfers | Purchases | Representative APR | |
|---|
| Halifax Balance Transfer Credit Card | 0% for
22 months
3.50% fee | 0% for
3 months
| 17.90%
| |
|
Cashback/Rewards:
You will receive Halifax MasterCard offers including deals and discounts on travel, entertainment and shopping. |
Representative Example
If you spent £1200 on this card with an annual interest rate of 17.95% (variable) your representative APR would be 17.90% (variable)
|
| Credit card | Balance Transfers | Purchases | Representative APR | |
|---|
| Barclaycard Platinum Credit Card with Balance Transfer | 0% for
21 months
2.60% fee | 0% for
3 months
| 17.90%
| |
|
Cashback/Rewards:
You will have access to Barclaycard Unwind which gives you exclusive access to intimate gigs, exclusive content and music news, exclusive tickets and Unwind at Wembley Arena where you can enjoy advanced ticketing for shows and even be a VIP guest in the Wembley Unwind lounge. |
Representative Example
If you spent £1200 on this card with an annual interest rate of 17.90% (variable) your representative APR would be 17.90% (variable)
|
| Credit card | Balance Transfers | Purchases | Representative APR | |
|---|
| NatWest Platinum | 0% for
20 months
2.90% fee | 0% for
6 months
| 17.90%
| |
|
Cashback/Rewards:
NatWest Platinum card holders receive hundreds of retail offers through MasterCard as well as holiday discounts through Thomas Cook. Wine club is also available. |
Representative Example
If you spent £1200 on this card with an annual interest rate of 17.95% (variable) your representative APR would be 17.90% (variable)
|
| Credit card | Balance Transfers | Purchases | Representative APR | |
|---|
| Royal Bank of Scotland Platinum | 0% for
20 months
2.90% fee | 0% for
6 months
| 17.90%
| |
|
Cashback/Rewards:
RBS Platinum card holders receive hundreds of retail offers through MasterCard as well as holiday discounts through Thomas Cook. Wine club is also available. |
Representative Example
If you spent £1200 on this card with an annual interest rate of 17.95% (variable) your representative APR would be 17.90% (variable)
|
| Credit card | Balance Transfers | Purchases | Representative APR | |
|---|
| Virgin Credit Card | 0% for
20 months
2.99% fee | 0% for
3 months
| 16.80%
| |
|
Cashback/Rewards:
Discounts on Virgin products - 30% off balloon flights plus free champagne & chocolates, up to 20% off experiences, 5% off holidays plus no credit card fee (usually 2.5%), 10% off at Virgin Wines and VIE at home and 1 month free for new members at Virgin Active. |
Representative Example
If you spent £1200 on this card with an annual interest rate of 16.80% (variable) your representative APR would be 16.80% (variable)
|
| Credit card | Balance Transfers | Purchases | Representative APR | |
|---|
| Halifax 20 Month Balance Transfer Credit Card | 0% for
20 months
3.00% fee | 0% for
3 months
| 16.90%
| |
|
Cashback/Rewards:
There are no rewards with this card. |
Representative Example
If you spent £1200 on this card with an annual interest rate of 16.94% (variable) your representative APR would be 16.90% (variable)
|
| Credit card | Balance Transfers | Purchases | Representative APR | |
|---|
| Bank of Scotland Plus | 0% for
18 months
3.00% fee | 0% for
3 months
| 16.90%
| |
|
Cashback/Rewards:
Bank of Scotland card holders receive special offers including discounts on top UK attractions as well as on hotels, travel, shopping and up to 50% off dining. |
Representative Example
If you spent £1200 on this card with an annual interest rate of 16.94% (variable) your representative APR would be 16.90% (variable)
|
| Credit card | Balance Transfers | Purchases | Representative APR | |
|---|
| Nationwide Building Society Select Card | 0% for
17 months
2.95% fee | 0% for
18 months
| 12.90%
| |
|
Cashback/Rewards:
You will receive 0.5% unlimited cashback on all sterling purchases.You will receive 0.5% unlimited cashback on all sterling purchases. |
Representative Example
If you spent £1200 on this card with an annual interest rate of 12.90% (variable) your representative APR would be 12.90% (variable)
|
Credit cards offering the longest 0% period on purchases listed first.
| Credit card | Balance Transfers | Purchases | Representative APR | |
|---|
| Nationwide Building Society Select Card | 0% for
17 months
2.95% fee | 0% for
18 months
| 12.90%
| |
|
Cashback/Rewards:
You will receive 0.5% unlimited cashback on all sterling purchases.You will receive 0.5% unlimited cashback on all sterling purchases. |
Representative Example
If you spent £1200 on this card with an annual interest rate of 12.90% (variable) your representative APR would be 12.90% (variable)
|
| Credit card | Balance Transfers | Purchases | Representative APR | |
|---|
| British Airways American Express Premium Plus Card | % for
months
% fee | 0% for
18 months
| 50.10%
| |
|
Cashback/Rewards:
As well as offering a market-leading 0% on purchases for 18 months, the card also offers an attractive 6,000 Avios when you first join. You can collect 1.5 Avios for virtually every £1 you spend on top of that. You’ll also get double Avios when you spend using the card on BA flights and holidays. There is an annual fee with this card of £150. |
Representative Example
If you spent £1200 on this card with an annual interest rate of 19.90% (variable) your representative APR would be 50.10% (variable)
|
| Credit card | Balance Transfers | Purchases | Representative APR | |
|---|
| Marks & Spencer Credit Card | % for
months
% fee | 0% for
15 months
| 15.90%
| |
|
Cashback/Rewards:
With M&S Rewards you'll receive points every time you shop with your card - you get 1 point for every £1 spend in M&S and 1 point for every £2 you spend elsewhere. Once points mount up you can treat yourself to anything you like in store. You can also buy M&S Travel Money with no cash advance or foreign exchange fees. |
Representative Example
If you spent £1200 on this card with an annual interest rate of 15.90% (variable) your representative APR would be 15.90% (variable)
|
| Credit card | Balance Transfers | Purchases | Representative APR | |
|---|
| Tesco Clubcard Credit Card | 0% for
9 months
2.90% fee | 0% for
15 months
| 16.90%
| |
|
Cashback/Rewards:
Collect even more Clubcard points on whatever you buy, wherever you buy it. Collect 1 point per £4 spent in each purchase transaction (£4 min), you must have available credit. The card also doubles as a Clubcard, so when you use your card to pay at Tesco, you will get 1 point per £4 spent plus you will collect standard Clubcard points. |
Representative Example
If you spent £1200 on this card with an annual interest rate of 16.90% (variable) your representative APR would be 16.90% (variable)
|
| Credit card | Balance Transfers | Purchases | Representative APR | |
|---|
| Halifax All In One | 0% for
15 months
3.00% fee | 0% for
15 months
| 17.90%
| |
|
Cashback/Rewards:
Halifax card holders receive special offers including discounts on top UK attractions as well as on hotels, travel, shopping and up to 50% off dining. |
Representative Example
If you spent £1200 on this card with an annual interest rate of 17.95% (variable) your representative APR would be 17.90% (variable)
|
| Credit card | Balance Transfers | Purchases | Representative APR | |
|---|
| Barclaycard Platinum with Purchase | 0% for
14 months
2.90% fee | 0% for
14 months
| 18.90%
| |
|
Cashback/Rewards:
You will have access to Barclaycard Unwind which gives you exclusive access to intimate gigs, exclusive content and music news, exclusive tickets and Unwind at Wembley Arena where you can enjoy advanced ticketing for shows and even be a VIP guest in the Wembley Unwind lounge. |
Representative Example
If you spent £1200 on this card with an annual interest rate of 18.90% (variable) your representative APR would be 18.90% (variable)
|
| Credit card | Balance Transfers | Purchases | Representative APR | |
|---|
| Creation Purchase Credit Card | 0% for
9 months
2.90% fee | 0% for
13 months
| 17.90%
| |
|
Cashback/Rewards:
Creation card holders receive hundreds of retail offers through MasterCard as well as discounts on meals and days out. |
Representative Example
If you spent £1200 on this card with an annual interest rate of 17.90% (variable) your representative APR would be 17.90% (variable)
|
| Credit card | Balance Transfers | Purchases | Representative APR | |
|---|
| NatWest YourPoints World MasterCard | 0% for
13 months
2.90% fee | 0% for
13 months
| 17.90%
| |
|
Cashback/Rewards:
INTRODUCTORY OFFER – 2,500 bonus points for all new customers.
Earn 1 point for every £1 you spend whenever you use your card. Exchange your points through NatWest’s travel partners easyJet and ebookers.com or earn vouchers for top brands like M&S, Amazon.co.uk and Boots. |
Representative Example
If you spent £1200 on this card with an annual interest rate of 17.95% (variable) your representative APR would be 17.90% (variable)
|
| Credit card | Balance Transfers | Purchases | Representative APR | |
|---|
| Royal Bank of Scotland YourPoints World MasterCard | 0% for
13 months
2.90% fee | 0% for
13 months
| 17.90%
| |
|
Cashback/Rewards:
INTRODUCTORY OFFER – 2,500 bonus points for all new customers. Earn 1 point for every £1 you spend whenever you use your card. Exchange your points through RBS’ travel partners easyJet and ebookers.com or earn vouchers for top brands like M&S, Amazon.co.uk and Boots.
|
Representative Example
If you spent £1200 on this card with an annual interest rate of 17.95% (variable) your representative APR would be 17.90% (variable)
|
| Credit card | Balance Transfers | Purchases | Representative APR | |
|---|
| Virgin Credit Card | 0% for
13 months
2.89% fee | 0% for
13 months
| 18.90%
| |
|
Cashback/Rewards:
Discounts on Virgin products - 30% off balloon flights plus free champagne & chocolates, up to 20% off experiences, 5% off holidays plus no credit card fee (usually 2.5%), 10% off at Virgin Wines and VIE at home and 1 month free for new members at Virgin Active. |
Representative Example
If you spent £1200 on this card with an annual interest rate of 18.90% (variable) your representative APR would be 18.90% (variable)
|
Credit cards offering the lowest standard APR.
| Credit card | Balance Transfers | Purchases | Representative APR | |
|---|
| Sainsbury's Low Rate Credit Card |
-
|
-
| 6.90%
| |
|
Cashback/Rewards:
There are no rewards with this card. |
Representative Example
If you spent £1200 on this card with an annual interest rate of 6.95% (variable) your representative APR would be 6.90% (variable)
|
| Credit card | Balance Transfers | Purchases | Representative APR | |
|---|
| Barclaycard Platinum Simplicity |
-
|
-
| 7.90%
| |
|
Cashback/Rewards:
You will have access to Barclaycard Unwind which gives you exclusive access to intimate gigs, exclusive content and music news, exclusive tickets and Unwind at Wembley Arena where you can enjoy advanced ticketing for shows and even be a VIP guest in the Wembley Unwind lounge. |
Representative Example
If you spent £1200 on this card with an annual interest rate of 7.90% (variable) your representative APR would be 7.90% (variable)
|
| Credit card | Balance Transfers | Purchases | Representative APR | |
|---|
| Capital One Click Card |
-
|
-
| 9.90%
| |
|
Cashback/Rewards:
This card gives you access to exclusive discounts when you use it to shop online. Current offers include 20% off anything on the Ted Baker site, plus free delivery, 25% off travel at Travelpack.com, 30% off on the Zavvi entertainment site and 50% off anything on the tickets website Viagogo, terms and conditions apply to these discounts. There will also be new deals and retailers added every 3 months which will be valid for a 3 month period. |
Representative Example
If you spent £1200 on this card with an annual interest rate of 9.94% (variable) your representative APR would be 9.90% (variable)
|
Credit cards offering the best reward deals.
| Credit card | Balance Transfers | Purchases | Representative APR | |
|---|
| Tesco Clubcard Credit Card | 0% for
9 months
2.90% fee | 0% for
15 months
| 16.90%
| |
|
Cashback/Rewards:
Collect even more Clubcard points on whatever you buy, wherever you buy it. Collect 1 point per £4 spent in each purchase transaction (£4 min), you must have available credit. The card also doubles as a Clubcard, so when you use your card to pay at Tesco, you will get 1 point per £4 spent plus you will collect standard Clubcard points. |
Representative Example
If you spent £1200 on this card with an annual interest rate of 16.90% (variable) your representative APR would be 16.90% (variable)
|
| Credit card | Balance Transfers | Purchases | Representative APR | |
|---|
| NatWest YourPoints World MasterCard | 0% for
13 months
2.90% fee | 0% for
13 months
| 17.90%
| |
|
Cashback/Rewards:
INTRODUCTORY OFFER – 2,500 bonus points for all new customers.
Earn 1 point for every £1 you spend whenever you use your card. Exchange your points through NatWest’s travel partners easyJet and ebookers.com or earn vouchers for top brands like M&S, Amazon.co.uk and Boots. |
Representative Example
If you spent £1200 on this card with an annual interest rate of 17.95% (variable) your representative APR would be 17.90% (variable)
|
| Credit card | Balance Transfers | Purchases | Representative APR | |
|---|
| Marks & Spencer Credit Card |
-
| 0% for
15 months
| 15.90%
| |
|
Cashback/Rewards:
With M&S Rewards you'll receive points every time you shop with your card - you get 1 point for every £1 spend in M&S and 1 point for every £2 you spend elsewhere. Once points mount up you can treat yourself to anything you like in store. You can also buy M&S Travel Money with no cash advance or foreign exchange fees. |
Representative Example
If you spent £1200 on this card with an annual interest rate of 15.90% (variable) your representative APR would be 15.90% (variable)
|
| Credit card | Balance Transfers | Purchases | Representative APR | |
|---|
| American Express British Airways |
-
|
-
| 19.90%
| |
|
Cashback/Rewards:
Receive 9,000 Avios when you spend £1,000 in the first 3 months. Collect 1 Avios for virtually every £1 spent. Spend £20,000 on your card in any given year and receive a companion ticket when you redeem your Avios for a British Airways flight. There is no annual fee with this card. |
Representative Example
If you spent £1200 on this card with an annual interest rate of 19.90% (variable) your representative APR would be 19.90% (variable)
|
| Credit card | Balance Transfers | Purchases | Representative APR | |
|---|
| Sainsbury's Nectar Credit Card | 0% for
15 months
3.00% fee | 0% for
6 months
| 16.90%
| |
|
Cashback/Rewards:
Every time you shop at Sainsbury’s with your Sainsbury's Credit Card they will give you 2 Nectar points for every £1 you spend in the first 2 years (available to new customers only). You can build up Nectar points when you use your Sainsbury’s Credit Card elsewhere too earning 1 point for each £5 you spend. |
Representative Example
If you spent £1200 on this card with an annual interest rate of 16.94% (variable) your representative APR would be 16.90% (variable)
|
| Credit card | Balance Transfers | Purchases | Representative APR | |
|---|
| Virgin Atlantic White Card | 0% for
6 months
2.00% fee |
-
| 17.90%
| |
|
Cashback/Rewards:
Receive 3,000 Flying Club miles when you make your first purchase within 90 days of your account opening. You’ll also earn 1 mile for every full £1 spent on the American Express card and 1 mile for every £2 you spend on the Visa card. There are double Flying Club miles on Virgin Atlantic or Virgin Holidays and companion reward flights available when you spend over £15,000 on the American Express card in a year. There is no annual fee with this card. |
Representative Example
If you spent £1200 on this card with an annual interest rate of 17.90% (variable) your representative APR would be 17.90% (variable)
|
| Credit card | Balance Transfers | Purchases | Representative APR | |
|---|
| Lloyds TSB Duo Avios Credit Card | 0% for
6 months
3.00% fee |
-
| 15.90%
| |
|
Cashback/Rewards:
If you apply before 1st March 2012 you will get an exclusive online bonus of 2,000 Avios if you spend at least £500 each month for the first 3 months. Collect 1 Avios for almost every £1 spent on the Lloyds TSB Duo Avios American Express Card and 1 Avios for every £5 spent on the Lloyds TSB Duo Avios MasterCard. You will collect double Avios on your spend abroad. You will receive 1,500 extra Avios for every whole £1,000 you transfer to the card from a single provider. |
Representative Example
If you spent £1200 on this card with an annual interest rate of 15.94% (variable) your representative APR would be 15.90% (variable)
|
| Credit card | Balance Transfers | Purchases | Representative APR | |
|---|
| American Express Nectar Credit Card |
-
|
-
| 19.90%
| |
|
Cashback/Rewards:
Receive 5,000 Nectar bonus points when you spend £500 within the first 3 months, 2 Nectar points per £1 spent at Nectar partners, 1 Nectar point per £1 spent everywhere else. Receive 500 MorePoints for every £500 spent on the Nectar Credit Card in every calendar month. |
Representative Example
If you spent £1200 on this card with an annual interest rate of 19.90% (variable) your representative APR would be 19.90% (variable)
|
| Credit card | Balance Transfers | Purchases | Representative APR | |
|---|
| Nationwide Building Society Select Card | 0% for
17 months
2.95% fee | 0% for
18 months
| 12.90%
| |
|
Cashback/Rewards:
You will receive 0.5% unlimited cashback on all sterling purchases.You will receive 0.5% unlimited cashback on all sterling purchases. |
Representative Example
If you spent £1200 on this card with an annual interest rate of 12.90% (variable) your representative APR would be 12.90% (variable)
|
| Credit card | Balance Transfers | Purchases | Representative APR | |
|---|
| American Express Platinum Cashback |
-
|
-
| 18.50%
| |
|
Cashback/Rewards:
Earn 5% cashback on your first £2,000 spend within the first 3 months. This card offers the HIGHEST ongoing and uncapped cashback rate available across virtually all purchases, regardless of spend level. Spend more than £10,000 on your card in the preceding 12 months and receive an anniversary bonus of double cashback every year on the 13th month of your card membership.This card offers an introductory 5% cashback on your first £2,000 spend within the first 3 months. You will then receive a simple 1.25% flat rate on every full £1 spent per purchase. Spend more than £10,000 on your card in the preceding 12 months and receive an engagement bonus of double cashback every year on the 13th month of your card anniversary. |
Representative Example
If you spent £1200 on this card with an annual interest rate of 14.00% (variable) your representative APR would be 18.50% (variable)
|
When choosing a credit card, think about how you are going to use it and what features are
important. We’ve listed above the best credit card deals for people
who use their cards to borrow and for those who always pay off
their card balance in full each month.
Best credit card deals for people who pay their balance in full each month
If you pay your card bill in full each month you can ignore the interest rate
(APR) and
go for a credit card that gives you cashback. This means you're
given a percentage of everything you spend on the card back to you as cash – typically
this ranges from 0.5 to 1 per cent. This means that, for example, if you spend £5,000 on
a credit card offering 0.5% cashback, you would earn £25 (0.5 per cent of £5,000).
Best deals for people who
tend to carry over a balance each month
If you are one of the many people who do not pay off your card in
full each month, then the most important factor is the interest
rate (APR). The smaller the APR the less you'll be charged in
interest.
