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Card Typical APR
(Variable)
Price for Risk Price for Risk Interest Free Period  
AA Credit Card AA Credit Card 16.9% No 50 days Proceed
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Our expert says: "Attractive reward card, particularly for AA members. Members receive 2 points for every £1.00 spent on motoring costs and 1 point per £1.00 for other spending. Non-members receive 1 point for every £2.00 spent. Balance transfers are interest-free until Feb 2011. Spend on motoring products and services, fuel and AA products are interest free until Feb 2011"
Amazon.co.uk MasterCard 16.9% No 50 days
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American Express Platinum Cashback American Express Platinum Cashback 19.9% No 56 days Proceed
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Our expert says: "Market-leading cashback card. Earn 5% cashback for the first three months, up to a maximum spend of £2,000, then up to 1.25% thereafter. The standard APR is 19.9%. Bear in mind that American Express is not as widely accepted as Visa and MasterCard"
American Express Rewards Credit Card American Express Rewards Credit Card 17.9% No 56 days Proceed
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Our expert says: "Great alternative to a cashback card. Earn reward points every time you spend - 3 points for every £1.00 spent at major UK supermarkets, 2 points for every £1.00 at UK department stores and 1 point for every £1.00 elsewhere. Spend £500 in the first 3 months and receive 6,000 bonus points worth £30. Points are exchanged for high street gift vouchers. Also, purchases are interest-free for 6 months"
aqua 35.9% Yes 51 days
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Arsenal Rewards Platinum Credit Card Arsenal Rewards Platinum Credit Card 15.9% No 50 days Proceed
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Our expert says: "0% period on balance transfer applies when made in the first 90 days
+ You must be over the age of 23
+ You must be a UK resident with an income over £20,000 "
ASDA Reward Credit Card 16.8% Yes 56 days
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Aston Villa Rewards Platinum Credit Card Aston Villa Rewards Platinum Credit Card 15.9% No 50 days Proceed
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Our expert says: "0% period on balance transfer applies when made in the first 90 days
+ You must be over the age of 23
+ You must be a UK resident with an income over £20,000"
ATL Credit Card 17.9% Yes 59 days
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Bank of Ireland Gold 16.9% No 56 days
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Bank of Ireland MoneyBack Gold 17.9% No 51 days
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Bank of Ireland Standard 17.9% No 56 days
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Bank of Scotland All In One Bank of Scotland All In One 15.9% Yes 59 days Proceed
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Our expert says: "This credit card is a very strong offer with a competitive 0% introductory period on purchases and balance transfers (subject to a fee)"
Bank of Scotland Commercial None No 38 days
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Bank of Scotland Plus 16.9% Yes 59 days
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Bank of Scotland Student Credit Card 17.9% No 59 days
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Barclaycard Breathe 14.9% No 56 days
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Barclaycard Commercial Corporate Gold Card Barclaycard Commercial Corporate Gold Card None No 38 days Proceed
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Barclaycard Commercial Corporate Platinum Card Barclaycard Commercial Corporate Platinum Card None No 38 days Proceed
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Barclaycard Gold Barclaycard Gold 19.9% No 56 days Proceed
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Our expert says: "Great card if your credit score is ‘average’ rather than ‘excellent’. 0% on balance transfers until March 2011 although you will pay a 2.50% fee. If you transfer a balance on to the card, don’t use it for spending as well as you’ll be charged interest at 19.9% on purchases"
Barclaycard Goldfish Barclaycard Goldfish 9.9% No 56 days Proceed
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Our expert says: "The lowest interest rate of any rewards credit card, plus an introductory incentive worth £30 in vouchers, which you can redeem at over 25 high street stores including Marks & Spencers, Argos and John Lewis, when you spend £100+ a month in the first 3 months"
Barclaycard Initial Barclaycard Initial 27.9% No 56 days Proceed
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Our expert says: "If you’ve never had a credit card before or your credit score needs improving this could be a good option. You won’t be accepted if you have an IVA or been made bankrupt. Pay your balance off in full as the APR is high at 27.9%"
Barclaycard MasterCard Business Gold Barclaycard MasterCard Business Gold 19.9% No 56 days Proceed
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Barclaycard OnePulse Special 14.9% No 56 days
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Barclaycard Platinum Barclaycard Platinum 15.9% No 56 days Proceed
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Our expert says: "A credit card with a low 15.9% APR plus 0% interest free on balance transfers for 15 months. (2.9% handling fee applies) and 0% interest on purchases for 3 months, both from account opening"
Barclaycard Platinum Simplicity Barclaycard Platinum Simplicity 7.8% No 56 days Proceed
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Our expert says: "A credit card with a low APR on purchases and balance transfers with no BT fee. This is a meaningful alternative to short term 0% purchase offers"
Barclaycard Visa Business Gold Barclaycard Visa Business Gold 19.9% No 56 days Proceed
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Barclaycard Visa Business Platinum Barclaycard Visa Business Platinum 26.9% No 56 days Proceed
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Bath Rugby Platinum 15.9% No 50 days
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Battersea Dogs and Cats Home Standard 15.9% No 56 days
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Bhs Credit Card 18.9% No 56 days
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Birmingham City FC Platinum 15.9% No 50 days
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Blackburn Rovers Rewards Platinum Credit Card 15.9% No 50 days
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bmi American Express Credit Card from MBNA bmi American Express Credit Card from MBNA 15.9% No 50 days Proceed
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Our expert says: "Competitive reward card that’s worth considering if you are a frequent flyer. Earn 1.5 destination miles for every £1.00 spent and 4.5 for every £1.00 spent on flybmi.com. Spend £250 in the first 90 days and receive 20,000 bonus miles. There is a 12-month 0% offer on balance transfers. Purchases are 0% for 3 months, you will be charged the standard APR rate thereafter"
Bolton Wanderers Rewards Platinum Credit Card 15.9% No 50 days
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Born Free Foundation Standard 15.9% No 50 days
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Breakthrough Breast Cancer Breakthrough Breast Cancer 15.9% No 50 days Proceed
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Our expert says: "0% period on balance transfer applies when made in the first 90 days
+ You must be over the age of 23
+ You must be a UK resident with an income over £20,000 "
British Airways American Express British Airways American Express 19.9% No 56 days Proceed
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Our expert says: "Collect 1,000 bonus BA Miles when you spend £500 in the first 3 months also collect 1 BA Mile for every £1.00 spent thereafter on all purchases. Only consider this card if you pay your credit card off each month, otherwise the interest you’ll pay – 19.9% APR - will outweigh the value of the rewards"
British Airways American Express Corporate Card None No None
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British Airways American Express Premium Plus Card British Airways American Express Premium Plus Card 46% No 56 days Proceed
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Our expert says: "Aimed at high spenders and frequent flyers, this offers a more generous reward scheme than BA’s standard Airmiles card. You receive 6,000 miles when you first use the card and 1.5 BA Miles for every £1.00 spend. But, there is a £150 annual fee which is why this card is only suitable if you travel regularly and are an above-average credit card user"
British Heart Foundation Platinum British Heart Foundation Platinum 15.9% No 50 days Proceed
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Our expert says: "0% period on balance transfer applies when made in the first 90 days
+ You must be over the age of 23
+ You must be a UK resident with an income over £20,000 "
BT Credit Card BT Credit Card 16.9% No 50 days Proceed
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Our expert says: "0% period on balance transfer applies when made in the first 90 days
+ Earn money off your BT bill with the BT Credit Card
+ You must be over the age of 23
+ You must be a UK resident with an income over £20,000"
Cancer Research UK Charity Card Cancer Research UK Charity Card 16.9% Yes 59 days Proceed
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Our expert says: "This card could help by funding work and research into the prevention and treatment of cancer. A £20 donation is made when you first use your card and then 25p is donated for every £100 you spend thereafter"
Capital One Classic Capital One Classic 34.9% No 56 days Proceed
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Our expert says: "If you’re looking to improve your credit score, perhaps you don’t have much of a credit history or have an impaired history, this card could be ideal. Pay your balance off each month though as the interest rate is higher at 34.9%"
Capital One Plus Capital One Plus 14.9% Yes 56 days Proceed
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Our expert says: "Attractive deal if you are looking for a card to spend on as no interest is charged on purchases until 01/08/2010. However, only those with a good credit history will qualify"
Capital One Progress Capital One Progress 34.9% No 56 days Proceed
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Our expert says: "Aimed at those with a good, but not excellent, credit rating. It’s an interesting proposition as the interest rate you are charged reduces if you adhere to the terms and conditions. The initial rate is 34.9% but this could fall to 19.9%"
Capital One World MasterCard 19.9% No 45 days
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Chelsea Rewards Platinum Credit Card Chelsea Rewards Platinum Credit Card 15.9% No 50 days Proceed
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Our expert says: "0% period on balance transfer applies when made in the first 90 days
+ You must be over the age of 23
+ You must be a UK resident with an income over £20,000 "
Clydesdale Bank Gold 16.9% No 59 days
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Cystic Fibrosis Trust Standard 15.9% No 50 days
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Debenhams Credit Card 19.9% Yes 56 days
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Dogs Trust Dogs Trust 15.9% No 50 days Proceed
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Our expert says: "0% period on balance transfer applies when made in the first 90 days
+ You must be over the age of 23
+ You must be a UK resident with an income over £20,000 "
Egg Card Egg Card 16.9% Yes 45 days Proceed
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Our expert says: "One of the market-leading offers if you want to make a balance transfer: interest-free until 01/04/11, although you will pay a 3% transfer fee. The 0% offer on purchases is shorter at just three-months – you will pay the typical standard APR of 16.9% thereafter"
Egg Money World MasterCard 17.8% Yes 50 days
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England Credit Card England Credit Card 15.9% No 50 days Proceed
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Our expert says: "0% period on balance transfer applies when made in the first 90 days
+ You must be over the age of 23
+ You must be a UK resident with an income over £20,000 "
first direct credit card 19.9% No 56 days
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Our expert says: "The credit card is only available once you become a first direct 1st Account holder"
first direct gold card 16.9% No 56 days
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Our expert says: "The gold card is only available once you become a first direct 1st Account holder"
First Trust Bank (NI) Option 1 18.9% No 56 days
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First Trust Bank (NI) Option 2 16.9% No 51 days
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First Trust Bank (NI) Option 3 14.9% No None
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Gloucester Rugby Platinum 15.9% No 50 days
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GMB Credit Card 17.9% Yes 59 days
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Greenpeace Advantage Platinum 16.9% No 59 days
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Halifax All In One Halifax All In One 15.9% Yes 59 days Proceed
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Our expert says: "This credit card is a very strong offer with a competitive 0% introductory period on purchases and balance transfers (subject to a fee)"
Halifax Easy Rate Halifax Easy Rate 8.94% Yes 59 days Proceed
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Our expert says: "If you're looking for a low rate credit card with no balance transfer fee, then this could be the card for you"
Halifax Plus 16.9% Yes 59 days
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Halifax Student Credit Card 17.9% No 59 days
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Hilton HHonors Platinum 16.9% No 56 days
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House Of Fraser 19.9% Yes 56 days
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HSBC Bank Credit Card HSBC Bank Credit Card 16.9% Yes 56 days Proceed
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Our expert says: "This product is currently only available to existing HSBC current account customers "
HSBC Commercial Card 15.9% No 56 days
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HSBC Premier 11.9% No 56 days
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HSBC Student Credit Card 18.9% No 56 days
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ICICI Bank Rewards Credit Card 15.9% No 50 days
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ipoints Rewards Card 15.9% No 59 days
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John Lewis-Waitrose Partnership Card 16.9% No 56 days
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Liverpool FC Rewards Platinum Credit Card Liverpool FC Rewards Platinum Credit Card 15.9% No 50 days Proceed
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Our expert says: "0% period on balance transfer applies when made in the first 90 days
+ You must be over the age of 23
+ You must be a UK resident with an income over £20,000 "
Lloyds TSB Advance 11.9% No None
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Lloyds TSB Airmiles Duo Lloyds TSB Airmiles Duo 15.9% No 56 days Proceed
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Our expert says: "This rewards card enables you to collect Airmiles with your purchases and balance transfers which gives you one of the best Airmiles rewards schemes in the market, plus collect double Airmiles when you spend abroad"
Lloyds TSB Platinum MasterCard 15.9% No 56 days
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Lloyds TSB Student 19.9% No 56 days
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M&S Credit Card 15.9% Yes 55 days
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Manchester City Rewards Platinum Credit Card 15.9% No 50 days
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Manchester United Credit Card Manchester United Credit Card 15.9% No 50 days Proceed
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Our expert says: "0% period on balance transfer applies when made in the first 90 days
+ You must be over the age of 23
+ You must be a UK resident with an income over £20,000 "
Marriott Rewards Card Marriott Rewards Card 15.9% Yes 59 days Proceed
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Our expert says: "Earn Marriott Rewards points every time you spend on your card. Receive 10,000 bonus Marriott Rewards points on your first purchase & 10 nights credit towards Elite member status each year"
MBNA 6.7% Low Rate MBNA 6.7% Low Rate 6.7% No 50 days Proceed
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Our expert says: "This card is a good option if you’re looking for a card to spend on as it offers a low long-term rate of 6.7% on purchases. You can only apply online"
MBNA Platinum MBNA Platinum 16.9% No 50 days Proceed
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Our expert says: "0% period on balance transfer applies when made in the first 90 days
+ You must be over the age of 23
+ You must be a UK resident with an income over £20,000 "
MBNA Platinum Rewards Card MBNA Platinum Rewards Card 16.9% No 50 days Proceed
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Our expert says: "A good alternative to a cashback card because reward points can be used at a wide range of high street retailers including John Lewis, Boots and Debenhams. Earn 1 point for every £1.00 spent on the card. There is a 13-month 0% offer on balance transfers. Purchases are 0% for 3 months, you will be charged the standard APR rate thereafter"
MBNA Platinum Visa Credit Card MBNA Platinum Visa Credit Card 16.9% No 50 days Proceed
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Our expert says: "Great option if you are looking for a long term balance transfer card. There is a 2.00% transfer fee but the annual rate of interest is just 5.9% on balance transfers made now until paid off. You will be charged the standard APR rate on purchases"
MBNA Rewards American Express 15.9% No 50 days
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MBNA Travel American Express 31.5% No 50 days
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Miles & More American Express Miles & More American Express 15.9% No 50 days Proceed
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Motorcycle Action Group Platinum 15.9% No 56 days
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N&P 15.9% No 50 days
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National Trust Platinum 15.9% No 56 days
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Nationwide BS Gold Nationwide BS Gold 16.9% No 56 days Proceed
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Our expert says: "Great credit card. The 0% balance transfer offer is one of the longest available (3% balance transfer fee). It is also one of the cheapest cards to use abroad. Nationwide is one of the only major providers to allocate monthly repayments to the most expensive debt first"
NatWest Black NatWest Black 51.8% No 56 days Proceed
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Our expert says: "£250 annual fee. Benefits include £15k minimum credit limit, worldwide annual travel insurance for you and your family, breakdown cover, home emergency cover, airport lounge access, 24/7 personal assistance service and more. 51.8% APR is calculated using a £1,500 credit limit in line with CCA regulations. If the APR is calculated using the Black Card's £15,000 minimum credit limit the rate is 16.8% Typical APR (Variable). You must be 25 years or over and have a minimum annual income of £75,000 to apply for this card."
NatWest Business Credit Card 23.2% No 45 days
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NatWest BusinessOne Charge Card None No 38 days
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NatWest BusinessOne Premium Charge Card None No 38 days
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NatWest Classic NatWest Classic 19.9% No 56 days Proceed
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Our expert says: "A competitive rate of 4.9% p.a for purchases within the first 9 months, plus regular payment back into your account. Available only for existing NatWest current account customers"
NatWest Platinum NatWest Platinum 16.9% No 56 days Proceed
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Our expert says: "Available only for existing NatWest current account customers"
NatWest Student 18.9% No 56 days
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NEC Harlequins Platinum 15.9% No 50 days
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Nectar Credit Card 18.9% No 56 days
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Nectar for Business Credit Card 18.9% No 56 days
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Newcastle United Rewards Platinum Credit Card 15.9% No 50 days
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Northern Bank Gold 36.2% No 59 days
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Our expert says: "This card is only available with a Northern Bank Choice Plus Package (£132 fee payable per quarter)"
Northern Bank Platinum 48.9% No 59 days
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Our expert says: "This card is only available with a Northern Bank Prestige Package"
Northern Bank Standard 22.9% No 59 days
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Our expert says: "This card is only available with Northern Freedom and Northern Choice packages from Northern Bank"
NSPCC Charity Card NSPCC Charity Card 16.9% Yes 59 days Proceed
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Our expert says: "Make a real difference to the children who need your help every time you shop on this credit card. A £10 donation is made when you first use your card and then 30p is donated for every £100 you spend thereafter"
NUT Credit Card 17.9% Yes 59 days
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PDSA 15.9% No 50 days
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Play.com 15.9% No 50 days
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Post Office Platinum Post Office Platinum 16.9% No 56 days Proceed
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Priority Club® Rewards Visa 16.9% Yes 56 days
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Rangers Platinum 15.9% No 50 days
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RBS Black RBS Black 51.8% No 56 days Proceed
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Our expert says: "£250 annual fee. Benefits include £15k minimum credit limit, worldwide annual travel insurance for you and your family, breakdown cover, home emergency cover, airport lounge access, 24/7 personal assistance service and more. 51.8% APR is calculated using a £1,500 credit limit in line with CCA regulations. If the APR is calculated using the Black Card's £15,000 minimum credit limit the rate is 16.8% Typical APR (Variable). You must be 25 years or over and have a minimum annual income of £75,000 to apply for this card."
Royal Bank of Scotland Business Credit Card 23.2% No 45 days
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Royal Bank of Scotland BusinessOne Charge Card None No 38 days
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Royal Bank of Scotland BusinessOne Premium Charge Card None No 38 days
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Royal Bank of Scotland Classic Royal Bank of Scotland Classic 19.9% No 56 days Proceed
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Our expert says: "A competitive rate of 4.9% p.a for purchases within the first 9 months, plus regular payment back into your account. Available only for existing RBS current account customers"
Royal Bank of Scotland Platinum Royal Bank of Scotland Platinum 16.9% No 56 days Proceed
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Our expert says: "Available only for existing RBS current account customers"
Royal Bank of Scotland Student 18.9% No 56 days
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RSPB Advantage Platinum 16.9% No 59 days
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RSPCA RSPCA 15.9% No 50 days Proceed
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Our expert says: "0% period on balance transfer applies when made in the first 90 days
+ You must be over the age of 23
+ You must be a UK resident with an income over £20,000 "
Ryanair Credit Card 19.9% Yes 56 days
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Saga Platinum 11.9% No 55 days
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Sainsbury's Credit Card Sainsbury's Credit Card 15.9% Yes 59 days Proceed
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Our expert says: "Great card if you shop at Sainsbury’s regularly: Earn 2 Nectar points for every £1.00 spent at Sainsbury’s and 1 point for every £5.00 spent elsewhere. Also one of the leading 0% deals: balance transfers and most purchases are interest-free for 10 months. Spend at Sainsbury’s is interest-free for 12 months"
Santander Credit Card 15.9% No 56 days
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Santander Zero 18.9% No 56 days
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smile classic 20.9% No 46 days
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smile classic (smile current account customers) 16.9% No 46 days
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smile gold 18.9% No 46 days
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smile gold (smile current account customers) 12.9% No 46 days
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SonyCard SonyCard 15.9% No 50 days Proceed
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Our expert says: "Ideal if you want to collect reward points that can be used to buy music, film and electronic items. Receive 3,000 points when you make a purchase within the first 90 days.There is a 12-month 0% offer on balance transfers. Purchases are 0% for 3 months, you will be charged the standard APR rate thereafter "
Southampton FC Platinum 15.9% No 50 days
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SSPCA Charity Card 16.9% Yes 59 days
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Tesco Clubcard Credit Card 16.9% Yes 51 days
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The Co-operative Bank Clear 12.9% No 59 days
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The Co-operative Bank Fixed Rate Platinum 9.9% No 46 days
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The Co-operative Bank Think 12.9% No 59 days
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The GM Card 14.9% No 56 days
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The Newcastle BS Visa Credit Card 15.9% No 50 days
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The Vanquis Visa Card The Vanquis Visa Card 39.9% Yes 56 days Proceed
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Our expert says: "If you are new to credit or want to build your credit history then this could be right for you. Applicants with serious defaults over 6 months old will be considered however noting the high interest rate it is advisable to pay off your balance each month"
Thomas Cook Credit Card 19.9% No 46 days
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Tottenham Hotspur Credit Card Tottenham Hotspur Credit Card 15.9% No 50 days Proceed
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Our expert says: "0% period on balance transfer applies when made in the first 90 days
+ You must be over the age of 23
+ You must be a UK resident with an income over £20,000"
Ulster Bank (NI) Classic 18.9% No 56 days
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Ulster Bank (NI) Gold 16.9% No 56 days
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Ulster Bank (NI) Student Card 18.9% No 56 days
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UNICEF Platinum UNICEF Platinum 15.9% No 50 days Proceed
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Our expert says: "0% period on balance transfer applies when made in the first 90 days
+ You must be over the age of 23
+ You must be a UK resident with an income over £20,000 "
UNISON 17.9% Yes 59 days
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Unite 17.9% Yes 59 days
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United Mileage Plus American Express 15.9% No 50 days
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Virgin Atlantic Black Card 37.1% No 46 days
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Virgin Atlantic White Card Virgin Atlantic White Card 17.9% No 46 days Proceed
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Our expert says: "Generous reward scheme. Save for free flights: you receive 3,000 Flying Club miles when you make your first purchase, then 2 miles for every pound you spend on Virgin Atlantic flights or Virgin Holidays and 1 mile for every pound spent elsewhere. Cardholders get 10% off Virgin Holidays"
Virgin Credit Card Virgin Credit Card 16.6% No 50 days Proceed
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Our expert says: "This is a market leading balance transfer card with a 0% introductory period on balance transfers for 16 months with a 2.98% balance transfer fee. Also use this card to get money off your holidays"
WaterAid Advantage Platinum 16.9% No 59 days
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Welsh Rugby Union Platinum 15.9% No 50 days
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Worcester Warriors Platinum 15.9% No 56 days
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WSPA Standard 15.9% No 50 days
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WWF WWF 15.9% No 50 days Proceed
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Our expert says: "0% period on balance transfer applies when made in the first 90 days
+ You must be over the age of 23
+ You must be a UK resident with an income over £20,000 "
Yorkshire Bank Business 16.9% No 56 days
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Yorkshire Bank Gold 16.9% No 59 days
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