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Best Credit Cards
Introductory Deals
There are many credit cards currently offering introductory nought per cent interest
deals to new customers. The introductory zero per cent offers provide a bit of breathing space for six or nine months to pay off
debts or to make some purchases with interest free credit.
However, choosing the best card for you is more complicated than it might seem. Some
zero per cent offers apply to new purchases as well as balance transfers, whereas some do not. It is also important to check what rate
(typical APR) the card will revert to once the zero per cent period is up.
Also if you're looking to transfer a debt from another card, pay
attention to the transfer fee.
The table below shows a summary of some of the best credit card deals
available today.
This Week's Featured Card
| Card |
Intro Rate Balance Transfers |
Intro Rate Purchases |
Representative APR (variable) |
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AA Balance Transfer
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0% for 16 months
(Fee: 2.9%)
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0% for 3 months |
17.9% |
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Earn AA Rewards Points on all purchases plus double points on fuel and motoring spend
Rewards: Collect AA Rewards Points and exchange them for a range of motoring products and services. Earn AA Reward Points every time you spend. Collect 1 AA point for every £1 you spend with double points on fuel and motoring purchases. Use your points to purchase from a range of motoring products and services
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Representative Example
17.9% representative APR variable
17.9% p.a.variable on purchase
£1,200 credit limit
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Barclaycard Platinum Balance Transfer
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0% for 24 months
(Fee: 3.2%)
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0% for 3 months |
17.9% |
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Freeze your interest at 0% until 2014!
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Representative Example
17.9% representative APR variable
17.9% p.a.variable on purchase
£1,200 credit limit
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Capital One World MasterCard
Capital One, Trent House, Station Street, Nottingham, NG2 3HX
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19.9%
(Fee: no fee)
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19.9% |
19.9% |
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Earn 5% cashback on purchases for the first 3 months
Suitable for applicants with a perfect credit rating and an annual income of more than £20,000
Cashback: Earn 5% cashback on purchases for the first 3 months (max £100) and up to 1.25% unlimited cashback thereafter
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Representative Example
19.9% APR representative variable 19.94% p.a. variable on purchases £1,200 credit limit
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Lowest Standard APR
| Card |
Intro Rate Balance Transfers |
Intro Rate Purchases |
Representative APR (variable) |
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Barclaycard Simplicity
Barclays Bank PLC 1 Churchill Place, London, E14 5HP
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7.9%
(Fee: no fee)
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7.9% |
7.9% |
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Suitable for people with an income of £20,000 or more who have a good credit rating and have always made payments on time
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Representative Example
7.9% representative APR variable
7.9% p.a.variable on purchase
£1,200 credit limit
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Capital One Click
Capital One, Trent House, Station Street, Nottingham, NG2 3HX
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9.9%
(Fee: no fee)
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9.9% |
9.9% |
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If you love shopping online, the Click Card is designed for you
Suitable for applicants with a very good credit rating and an annual income of over £20,000
Rewards: This card gives you access to exclusive brand discounts when you use it to shop online. New deals and retailers are added every quarter which are valid for a 3 month period
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Representative Example
9.9% APR representative variable 9.94% p.a. variable on purchases £1,200 credit limit
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Lloyds TSB Advance
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4.9% for 12 months
(Fee: 3%)
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0% for 6 months |
11.9% |
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Representative Example
11.9% representative APR variable 11.95% p.a. variable on purchase £1,200 credit limit
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Virgin All Round
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0% for 16 months
(Fee: 1.99% - min £3)
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0% for 6 months |
15.8% |
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Rewards: Cardholders can take advantage of exclusive instant savings across the Virgin group with discounted holidays, wine, gym membership, experience days and more
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Representative Example
15.8% representative APR variable
15.8% p.a.variable on purchase
£1,200 credit limit
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Virgin
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0% for 20 months
(Fee: 2.99%)
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0% for 3 months |
16.8% |
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Suitable for homeowners with a good credit history, aged at least 25 and in full time employment
Rewards: Cardholders can take advantage of exclusive instant savings across the Virgin group with discounted holidays, wine, gym membership, experience days and more.
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Representative Example
16.8% representative APR variable
16.8% p.a.variable on purchase
£1,200 credit limit
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Balance Transfers - Introductory Rates
| Card |
Intro Rate Balance Transfers |
Intro Rate Purchases |
Representative APR (variable) |
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Barclaycard Platinum Balance Transfer
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0% for 24 months
(Fee: 3.2%)
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0% for 3 months |
17.9% |
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Freeze your interest at 0% until 2014!
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Representative Example
17.9% representative APR variable
17.9% p.a.variable on purchase
£1,200 credit limit
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HSBC Bank
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0% for 23 months
(Fee: 3.3% - min £5)
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0% for 3 months |
17.9% |
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This product is only available to existing HSBC customers
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Representative Example
17.9% representative APR variable
17.9% p.a.variable on purchase
£1,200 credit limit
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Barclaycard Platinum
Barclays Bank PLC 1 Churchill Place, London, E14 5HP
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0% for 22 months
(Fee: 3.2%)
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0% for 3 months |
17.5% |
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Refund offer which reduces the handling fee to equivalent of 2.9% for everyone
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Representative Example
17.5% APR representative variable 17.5% p.a. variable on purchases £1,200 assumed credit limit
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Halifax Balance Transfer
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0% for 22 months on balance transfers up to £3,000
(Fee: 3.5% - min £3.50)
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0% for 3 months |
17.9% |
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You must have an annual income of £20,000 or more to apply
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Representative Example
17.9% APR representative variable 17.95% p.a. variable on purchases £1,200 assumed credit limit
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Virgin
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0% for 20 months
(Fee: 2.99%)
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0% for 3 months |
16.8% |
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Suitable for homeowners with a good credit history, aged at least 25 and in full time employment
Rewards: Cardholders can take advantage of exclusive instant savings across the Virgin group with discounted holidays, wine, gym membership, experience days and more.
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Representative Example
16.8% representative APR variable
16.8% p.a.variable on purchase
£1,200 credit limit
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results
Purchases - Introductory Rates
| Card |
Intro Rate Balance Transfers |
Intro Rate Purchases |
Representative APR (variable) |
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Halifax All In One
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0% for 15 months
(Fee: 3% - min £3)
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0% for 15 months |
17.9% |
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The APR and length of the promotional offer are dependent on your personal circumstances
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Representative Example
17.9% representative APR variable 17.95% p.a. variable on purchase £1,200 credit limit
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Bank of Scotland Advantage
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0% for 13 months
(Fee: 3% - min £3)
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0% for 13 months |
17.9% |
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To qualify you will need to have a Bank of Scotland Current Account which you pay £1,000 or more into each month or hold an Ultimate Reward Current Account.
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Representative Example
17.9% representative APR variable 17.95% p.a. variable on purchase £1,200 credit limit
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NatWest YourPoints World
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0% for 13 months
(Fee: 2.9% - min £5)
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0% for 13 months |
17.9% |
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Introductory 2,500 bonus points to all new customers
Rewards: The card gives you one reward point for every £1 you spend. Bonus points are also gifted on a yearly basis thereafter. Points can be redeemed against flights, holidays, shopping vouchers and experiences and at retail outlets including Marks & Spencer, Boots, easyJet, Harvey Nichols and Amazon
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Representative Example
Representative 17.9% APR (variable) based on an assumed credit limit of £1,200. Standard interest rate for purchases: 17.95% p.a. (variable).
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RBS YourPoints World
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0% for 13 months
(Fee: 2.9% - min £5)
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0% for 13 months |
17.9% |
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Introductory 2,500 bonus points to all new customers
Rewards: The card gives you one reward point for every £1 you spend. Bonus points are also gifted on a yearly basis thereafter. Points can be redeemed against flights, holidays, shopping vouchers and experiences and at retail outlets including Marks & Spencer, Boots, easyJet, Harvey Nichols and Amazon
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Representative Example
Representative 17.9% APR (variable) based on an assumed credit limit of £1,200. Standard interest rate for purchases: 17.95% p.a. (variable).
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Virgin Retail
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0% for 13 months
(Fee: 2.89%)
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0% for 13 months |
18.9% |
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Representative Example
18.9% representative APR variable
18.9% p.a.variable on purchase
£1,200 credit limit
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