COMPARE ALL UK CREDIT CARDS

Review to follow.

This card will suit frequent Virgin Atlantic flyers who want to boost their Flying Club miles through its reward scheme. The card has an APR of 18.9% on purchases, but once you factor in the £140 annual fee, this shoots up to 47.2%. However, provided you clear your balance every month so you avoid paying interest, there are some good perks available. The card gives you 6,000 Flying Club miles on your first card purchase within 90 days of account opening. When you apply for the Virgin Atlantic Black card you get two cards under one account. You get an American Express card where you earn two Flying Club mile for every full £1 you spend, or four Flying Club miles for every full £1 spent direct with Virgin Atlantic and Virgin Holidays. You will also get a Visa card where you earn one Flying Club mile for every £1 you spend, or 2 Flying Club miles for every £1 spent direct with Virgin Atlantic and Virgin Holidays. You’ll also receive a Premium Economy reward upgrade on an Economy booking provided you spend £5,000 on your American Express card in a year. If you spend £7,500 on the American Express card in a year, you get a complimentary companion reward flight, so you can bring a friend with you free of charge. In addition to this, you get 0% on balance transfers for six months, subject to a 2% handling charge.

This card comes with a representative APR of 19.9% on purchases, but once you factor in the high £150 annual fee, the APR shoots up to a massive 50.1%. You should therefore only take out the card if you are going to clear your balance every month and are using it just to collect Avios. If you don't pay your balance off in full and on time each month, the high APR is likely to cost substantially more than any rewards you may get back. You collect 1.5 Avios for virtually every £1 you spend, plus there is now an 18,000 bonus Avios sign up incentive (when cardmembers spend £3,000 in their first 3 months). If you spend £10,000 on your card in a year and redeem your Avios on a BA flight, you'll receive another ticket for a companion for the same flight and cabin. You also get double Avios when you spend using the card on British Airways flights and BA Holidays. The card comes with Travel Accident Benefit up to £250,000. Don't use the card to make cash withdrawals, as these will be charged interest at 27.9%.

This reward card suits regular Virgin Atlantic flyers, as it offers Flying Club miles every time you spend. You will be charged 17.9% APR on purchases when you use the card, so you should try and clear your balance every month to avoid paying interest. The card charges no interest on balance and money transfers for the first six months, and after that has an APR of 17.9% on both. There is a 2% handling fee if you move a balance across or make a money transfer, with a minimum charge of £3. The card, which doesn’t have an annual fee, gives you 3,000 bonus Flying Club miles on your first card purchase, providing you use it within 90 days of opening the account. When you apply for the Virgin Atlantic White card you get two cards under one account. You get an American Express card where you earn one Flying Club mile for every full £1 you spend, or two Flying Club miles for every full £1 spent direct with Virgin Atlantic and Virgin Holidays. You will also get a Visa card where you earn one Flying Club mile for every £2 you spend, or 1 Flying Club miles for every £1 spent direct with Virgin Atlantic and Virgin Holidays. You’ll also receive a Premium Economy reward upgrade on an Economy booking if you spend £10,000 on your American Express card in a year. If you spend £15,000 on your American Express card in a year, you get a complimentary companion reward flight, so you can bring a friend with you free of charge.

This card enables you to collect Avios every time you spend, but it comes with a high representative APR of 19.9%. There is no interest-free introductory rate on purchases, so you should pay off any debts on the card as quickly as possible to avoid racking up steep interest charges. The card is best suited to those who fly frequently with BA and want to collect Avios using the card's reward scheme, and who clear their balance every month. Earn 9,000 Avios when you spend £1,000 in the first 3 months. The points can then be put towards BA flights. If you spend £20,000 on the card in a year and redeem your Avios on BA flight, you'll receive another ticket for a companion for the same flight and cabin. However, you cannot collect Avios on cash advances. The card has no annual fee and also comes with Travel Accident Benefit up to £75,000. You should avoid using the card to make cash withdrawals, as these will be charged interest at a steep 27.9%.

The Lloyds TSB Premier Duo Avios Credit Card enables its cardholders to collect Avios every time they spend. When you apply for the Premier Duo credit card you get two credit cards, a MasterCard which gives 1.25 Avios for almost every £5 spent, and a second American Express card which gives 1.25 Avios for almost every £1 spent. There is an annual fee of £50 for this card but if you hold a LTSB Premier current account you will not be charged this fee. Currently Lloyds TSB are offering a refund of half the annual fee for the first year. You get two cards so that on the occasions where your Amex card is not accepted you can use your MasterCard to continue to collect miles. There is a 0% period on balance transfers for 6 months so it is worth doing if you can pay the balance off within this period. Also ensure that you pay any spending off each month as purchases will incur an interest rate of 13.95%. If you do not want to pay the £50 annual fee and you don't have a Lloyds TSB Premier current account then you could apply for the LTSB Duo Avios card which gives you slightly less Avios for your spend but charges no fee.

The Lloyds TSB Duo Avios Credit Card enables its cardholders to collect Avios every time they spend. When you apply for the Duo credit card you get two credit cards, a MasterCard which gives one Avios for every £5 spent, and a second American Express card which gives one Avios for almost every £1 spent. You get two cards so that on the occasions where your Amex card is not accepted you can use your MasterCard to continue to collect miles. There is a 0% period on balance transfers for 6 months so it is worth doing if you can pay the balance off within this period. Also ensure that you pay any spending off each month as purchases will incur an interest rate of 15.94%.