Introductory Interest Free Deals

Credit card lenders are so keen to get your custom that there's now a number of 0% credit card offers to choose from and, as long as your credit rating is fairly good, it makes sense to take advantage of them.

This trend began a couple of years ago with introductory rates of 0% on balance transfers, but now there are plenty of cards around which charge no interest on new purchases, and some are even offering both.

If you have an outstanding balance you could benefit from moving your debt to a card with an introductory 0% rate for balance transfers. 

If you want to use the card for purchases at the same time as transferring an old balance to it, then apply for a card that offers 0% for both balance transfers and new purchases.

As the introductory interest free period is for a limited time, ideally you want to apply for a card that offers a interest free period and a competitive ongoing standard rate.

Switching Credit Cards
As most of these introductory deals typically last for six months, it is possible is to switch credit cards when the introductory period has finished and the standard rate kicks in. For people who are unlikely to remember to do so, it might be better to opt for a card that offers a low standard (typical APR) interest rate until the transferred balance is cleared. 

0% APR for an introductory period on debts transferred from another card
Card Intro Rate
Balance Transfers		 Intro Rate
Purchases		 Representative APR
(variable)
Barclaycard Platinum
Barclays Bank PLC
1 Churchill Place,
London,
E14 5HP 		0% for 22 months
(Fee: 2.9%) 		0% for 3 months 17.9% Details / Apply
Freeze your interest at 0% until 2014 plus receive £30 money back on balance transfers over £2,500!
Representative Example
17.9% APR representative variable
17.9% p.a. variable on purchases
£1,200 assumed credit limit
Halifax Balance Transfer
 0% for 22 months on balance transfers up to £3,000
(Fee: 3.5% - min £3.50) 		0% for 3 months 17.9% Details / Apply
You must have an annual income of £20,000 or more to apply
Representative Example
17.9% APR representative variable
17.95% p.a. variable on purchases
£1,200 assumed credit limit
Virgin
 0% for 20 months
(Fee: 2.99%) 		0% for 3 months 16.8% Details / Apply
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.
Representative Example
16.8% representative APR variable
16.8% p.a. variable on purchases
£1,200 credit limit
MBNA
 0% for 20 months
(Fee: 2.99%) 		0% for 3 months 16.9% Details / Apply
Representative Example
16.9% representative APR variable
16.9% p.a. variable on purchases
£1,200 credit limit
Halifax
 0% for 20 months
(Fee: 3% - min £3) 		0% for 3 months 16.9% Details / Apply
You must have an annual income of £20,000 or more to apply
Representative Example
16.9% representative APR variable
16.94% p.a. variable on purchase
£1,200 example credit limit
NatWest Platinum
 0% for 20 months
(Fee: 2.9% - min £5) 		0% for 6 months 17.9% Details / Apply
You must be aged over 18 and earning at least £10,000 to apply
Representative Example
Representative APR: 17.9% APR (variable)
Purchase rate: 17.95% p.a. (variable)
Assumed credit limit: £1,200 The actual credit limit assigned to individual accounts will vary depending on a credit assessment of you
RBS Platinum
The Royal Bank of Scotland plc.
36 St Andrew Square,
Edinburgh,
EN2 2YB 		0% for 20 months
(Fee: 2.9% - min £5) 		0% for 6 months 17.9% Details / Apply
1% off the APR for Royalties Gold customers for at least 12 months You must be aged over 18 and earning at least £10,000 to apply
Representative Example
Representative APR: 17.9% APR (variable)
Purchase rate: 17.95% p.a. (variable)
Assumed credit limit: £1,200 The actual credit limit assigned to individual accounts will vary depending on a credit assessment of you
Bank of Scotland Plus
 0% for 18 months
(Fee: 3% - min £3) 		0% for 3 months 16.9% Details / Apply
Representative Example
16.9% representative APR variable
16.94% p.a. variable on purchase
£1,200 credit limit
Halifax
 0% for 17 months
(Fee: 3% - min £3) 		0% for 3 months 16.9% Details / Apply
Representative Example
16.9% representative APR variable
16.94% p.a. variable on purchase
£1,200 credit limit
Barclaycard Platinum Balance Transfer
 0% for 17 months
(Fee: 1.6%) 		0% for 3 months 18.9% Details / Apply
Representative Example
18.9% representative APR variable
18.9% p.a. variable on purchases
£1,200 credit limit
Virgin All Round
 0% for 16 months
(Fee: 1.99% - min £3) 		0% for 6 months 15.8% Details / Apply
Rewards: Cardholders can take advantage of exclusive instant savings across the Virgin group with discounted holidays, wine, gym membership, experience days and more
Representative Example
15.8% representative APR variable
15.8% p.a. variable on purchases
£1,200 credit limit
AA Balance Transfer
 0% for 16 months
(Fee: 2.9%) 		0% for 3 months 17.9% Details / Apply
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
Representative Example
17.9% representative APR variable
17.9% p.a. variable on purchases
£1,200 credit limit
Lloyds TSB Platinum
 0% for 15 months
(Fee: 3%) 		0% for 3 months 17.9% Details / Apply
Representative Example
17.9% representative APR variable
17.95% p.a. variable on purchase
£1,200 credit limit
Halifax All In One
 0% for 15 months
(Fee: 3% - min £3) 		0% for 15 months 17.9% Details / Apply
The APR and length of the promotional offer are dependent on your personal circumstances
Representative Example
17.9% representative APR variable
17.95% p.a. variable on purchase
£1,200 credit limit
Barclaycard Platinum Purchase
 0% for 15 months
(Fee: 2.9%) 		0% for 15 months 18.9% Details / Apply
Bursting with easy ways to help you spread the cost
Representative Example
18.9% representative APR variable
18.9% p.a. variable on purchases
£1,200 credit limit
Bank of Scotland Advantage
 0% for 13 months
(Fee: 3% - min £3) 		0% for 13 months 17.9% Details / Apply
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.
Representative Example
17.9% representative APR variable
17.95% p.a. variable on purchase
£1,200 credit limit
NatWest YourPoints World
 0% for 13 months
(Fee: 2.9% - min £5) 		0% for 13 months 17.9% Details / Apply
Get 2,500 bonus YourPoints every year 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
Representative Example
Representative APR: 17.9% APR (variable)
Purchase rate: 17.95% p.a. (variable)
Assumed credit limit: £1,200 The actual credit limit assigned to individual accounts will vary depending on a credit assessment of you
RBS YourPoints World
 0% for 13 months
(Fee: 2.9% - min £5) 		0% for 13 months 17.9% Details / Apply
Get 2,500 bonus RBS YourPoints every year 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
Representative Example
Representative APR: 17.9% APR (variable)
Purchase rate: 17.95% p.a. (variable)
Assumed credit limit: £1,200 The actual credit limit assigned to individual accounts will vary depending on a credit assessment of you
Virgin Retail
 0% for 13 months
(Fee: 2.89%) 		0% for 13 months 18.9% Details / Apply
Representative Example
18.9% representative APR variable
18.9% p.a. variable on purchases
£1,200 credit limit
AA Credit Card
 0% for 12 months
(Fee: 3% - min £3) 		0% for 10 months 16.9% Details / Apply
Rewards: 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
Representative Example
16.9% representative APR variable
16.9% p.a. variable on purchases
£1,200 credit limit
Bank of Scotland All In One
 0% for 12 months
(Fee: 3% - min £3) 		0% for 12 months 17.9% Details / Apply
Representative Example
17.9% representative APR variable
17.95% p.a. variable on purchase
£1,200 credit limit
Barclaycard Gold
 0% for 12 months
(Fee: 2.5%) 		19.9% 19.9% Details / Apply
With contactless payment technology, a new quick and easy way to pay for purchases of £15 or under
Representative Example
19.9% representative APR variable
19.9% p.a. variable on purchases
£1,200 credit limit
Play.com
MBNA Europe Bank Limited
Stansfield House,
Chester Business Park,
Wrexham Road,
Chester, CH4 9QQ 		0% for 6 months
(Fee: 1.5% - min £3) 		0% for 9 months 16.9% Details / Apply
Receive 1,500 bonus Play Points if you spend £150 on your card within the first 90 days Suitable for homeowners with a good credit history, aged at least 23 and in full time employment Rewards: Collect Play Points and redeem them for Play.com gift vouchers. Earn 2 points for every £1 you spend at Play.com and 1 point for every £1 you spend elsewhere.
Representative Example
16.9% APR representative variable
16.9% p.a.variable on purchase
£1,200 credit limit

0% APR for an introductory period on new purchases
Card Intro Rate
Balance Transfers		 Intro Rate
Purchases		 Representative APR
(variable)
Halifax All In One
 0% for 15 months
(Fee: 3% - min £3) 		0% for 15 months 17.9% Details / Apply
The APR and length of the promotional offer are dependent on your personal circumstances
Representative Example
17.9% representative APR variable
17.95% p.a. variable on purchase
£1,200 credit limit
Barclaycard Platinum Purchase
 0% for 15 months
(Fee: 2.9%) 		0% for 15 months 18.9% Details / Apply
Bursting with easy ways to help you spread the cost
Representative Example
18.9% representative APR variable
18.9% p.a. variable on purchases
£1,200 credit limit
RBS YourPoints World
 0% for 13 months
(Fee: 2.9% - min £5) 		0% for 13 months 17.9% Details / Apply
Get 2,500 bonus RBS YourPoints every year 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
Representative Example
Representative APR: 17.9% APR (variable)
Purchase rate: 17.95% p.a. (variable)
Assumed credit limit: £1,200 The actual credit limit assigned to individual accounts will vary depending on a credit assessment of you
Bank of Scotland Advantage
 0% for 13 months
(Fee: 3% - min £3) 		0% for 13 months 17.9% Details / Apply
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.
Representative Example
17.9% representative APR variable
17.95% p.a. variable on purchase
£1,200 credit limit
NatWest YourPoints World
 0% for 13 months
(Fee: 2.9% - min £5) 		0% for 13 months 17.9% Details / Apply
Get 2,500 bonus YourPoints every year 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
Representative Example
Representative APR: 17.9% APR (variable)
Purchase rate: 17.95% p.a. (variable)
Assumed credit limit: £1,200 The actual credit limit assigned to individual accounts will vary depending on a credit assessment of you
Virgin Retail
 0% for 13 months
(Fee: 2.89%) 		0% for 13 months 18.9% Details / Apply
Representative Example
18.9% representative APR variable
18.9% p.a. variable on purchases
£1,200 credit limit
Bank of Scotland All In One
 0% for 12 months
(Fee: 3% - min £3) 		0% for 12 months 17.9% Details / Apply
Representative Example
17.9% representative APR variable
17.95% p.a. variable on purchase
£1,200 credit limit
AA Credit Card
 0% for 12 months
(Fee: 3% - min £3) 		0% for 10 months 16.9% Details / Apply
Rewards: 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
Representative Example
16.9% representative APR variable
16.9% p.a. variable on purchases
£1,200 credit limit
Play.com
MBNA Europe Bank Limited
Stansfield House,
Chester Business Park,
Wrexham Road,
Chester, CH4 9QQ 		0% for 6 months
(Fee: 1.5% - min £3) 		0% for 9 months 16.9% Details / Apply
Receive 1,500 bonus Play Points if you spend £150 on your card within the first 90 days Suitable for homeowners with a good credit history, aged at least 23 and in full time employment Rewards: Collect Play Points and redeem them for Play.com gift vouchers. Earn 2 points for every £1 you spend at Play.com and 1 point for every £1 you spend elsewhere.
Representative Example
16.9% APR representative variable
16.9% p.a.variable on purchase
£1,200 credit limit
Lloyds TSB Advance
 4.9% for 12 months
(Fee: 3%) 		0% for 6 months 11.9% Details / Apply
Representative Example
11.9% representative APR variable
11.95% p.a. variable on purchase
£1,200 credit limit
Virgin All Round
 0% for 16 months
(Fee: 1.99% - min £3) 		0% for 6 months 15.8% Details / Apply
Rewards: Cardholders can take advantage of exclusive instant savings across the Virgin group with discounted holidays, wine, gym membership, experience days and more
Representative Example
15.8% representative APR variable
15.8% p.a. variable on purchases
£1,200 credit limit
NatWest Platinum
 0% for 20 months
(Fee: 2.9% - min £5) 		0% for 6 months 17.9% Details / Apply
You must be aged over 18 and earning at least £10,000 to apply
Representative Example
Representative APR: 17.9% APR (variable)
Purchase rate: 17.95% p.a. (variable)
Assumed credit limit: £1,200 The actual credit limit assigned to individual accounts will vary depending on a credit assessment of you
RBS Platinum
The Royal Bank of Scotland plc.
36 St Andrew Square,
Edinburgh,
EN2 2YB 		0% for 20 months
(Fee: 2.9% - min £5) 		0% for 6 months 17.9% Details / Apply
1% off the APR for Royalties Gold customers for at least 12 months You must be aged over 18 and earning at least £10,000 to apply
Representative Example
Representative APR: 17.9% APR (variable)
Purchase rate: 17.95% p.a. (variable)
Assumed credit limit: £1,200 The actual credit limit assigned to individual accounts will vary depending on a credit assessment of you
Virgin
 0% for 20 months
(Fee: 2.99%) 		0% for 3 months 16.8% Details / Apply
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.
Representative Example
16.8% representative APR variable
16.8% p.a. variable on purchases
£1,200 credit limit
MBNA
 0% for 20 months
(Fee: 2.99%) 		0% for 3 months 16.9% Details / Apply
Representative Example
16.9% representative APR variable
16.9% p.a. variable on purchases
£1,200 credit limit
Bank of Scotland Plus
 0% for 18 months
(Fee: 3% - min £3) 		0% for 3 months 16.9% Details / Apply
Representative Example
16.9% representative APR variable
16.94% p.a. variable on purchase
£1,200 credit limit
Halifax
 0% for 17 months
(Fee: 3% - min £3) 		0% for 3 months 16.9% Details / Apply
Representative Example
16.9% representative APR variable
16.94% p.a. variable on purchase
£1,200 credit limit
Halifax
 0% for 20 months
(Fee: 3% - min £3) 		0% for 3 months 16.9% Details / Apply
You must have an annual income of £20,000 or more to apply
Representative Example
16.9% representative APR variable
16.94% p.a. variable on purchase
£1,200 example credit limit
AA Balance Transfer
 0% for 16 months
(Fee: 2.9%) 		0% for 3 months 17.9% Details / Apply
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
Representative Example
17.9% representative APR variable
17.9% p.a. variable on purchases
£1,200 credit limit
Halifax Balance Transfer
 0% for 22 months on balance transfers up to £3,000
(Fee: 3.5% - min £3.50) 		0% for 3 months 17.9% Details / Apply
You must have an annual income of £20,000 or more to apply
Representative Example
17.9% APR representative variable
17.95% p.a. variable on purchases
£1,200 assumed credit limit
Lloyds TSB Platinum
 0% for 15 months
(Fee: 3%) 		0% for 3 months 17.9% Details / Apply
Representative Example
17.9% representative APR variable
17.95% p.a. variable on purchase
£1,200 credit limit
Barclaycard Platinum
Barclays Bank PLC
1 Churchill Place,
London,
E14 5HP 		0% for 22 months
(Fee: 2.9%) 		0% for 3 months 17.9% Details / Apply
Freeze your interest at 0% until 2014 plus receive £30 money back on balance transfers over £2,500!
Representative Example
17.9% APR representative variable
17.9% p.a. variable on purchases
£1,200 assumed credit limit
Barclaycard Platinum Balance Transfer
 0% for 17 months
(Fee: 1.6%) 		0% for 3 months 18.9% Details / Apply
Representative Example
18.9% representative APR variable
18.9% p.a. variable on purchases
£1,200 credit limit
Barclaycard Initial
Barclays Bank PLC
1 Churchill Place,
London,
E14 5HP 		- 0% for 3 months 29.9% Details / Apply
Suitable for people looking to obtain their first credit card or build up credit history. Simplify your finances and improve your credit rating even if you have missed payments or have had CCJs over 12 months ago
Representative Example
29.9% representative APR variable
29.9% p.a. variable on purchases
£1,200 credit limit

0% APR for an introductory period on balances transferred and new purchases
Card Intro Rate
Balance Transfers		 Intro Rate
Purchases		 Representative APR
(variable)
Virgin
 0% for 20 months
(Fee: 2.99%) 		0% for 3 months 16.8% Details / Apply
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.
Representative Example
16.8% representative APR variable
16.8% p.a. variable on purchases
£1,200 credit limit
Bank of Scotland Plus
 0% for 18 months
(Fee: 3% - min £3) 		0% for 3 months 16.9% Details / Apply
Representative Example
16.9% representative APR variable
16.94% p.a. variable on purchase
£1,200 credit limit
MBNA
 0% for 20 months
(Fee: 2.99%) 		0% for 3 months 16.9% Details / Apply
Representative Example
16.9% representative APR variable
16.9% p.a. variable on purchases
£1,200 credit limit
Halifax
 0% for 20 months
(Fee: 3% - min £3) 		0% for 3 months 16.9% Details / Apply
You must have an annual income of £20,000 or more to apply
Representative Example
16.9% representative APR variable
16.94% p.a. variable on purchase
£1,200 example credit limit
Halifax
 0% for 17 months
(Fee: 3% - min £3) 		0% for 3 months 16.9% Details / Apply
Representative Example
16.9% representative APR variable
16.94% p.a. variable on purchase
£1,200 credit limit
Lloyds TSB Platinum
 0% for 15 months
(Fee: 3%) 		0% for 3 months 17.9% Details / Apply
Representative Example
17.9% representative APR variable
17.95% p.a. variable on purchase
£1,200 credit limit
Barclaycard Platinum
Barclays Bank PLC
1 Churchill Place,
London,
E14 5HP 		0% for 22 months
(Fee: 2.9%) 		0% for 3 months 17.9% Details / Apply
Freeze your interest at 0% until 2014 plus receive £30 money back on balance transfers over £2,500!
Representative Example
17.9% APR representative variable
17.9% p.a. variable on purchases
£1,200 assumed credit limit
Halifax Balance Transfer
 0% for 22 months on balance transfers up to £3,000
(Fee: 3.5% - min £3.50) 		0% for 3 months 17.9% Details / Apply
You must have an annual income of £20,000 or more to apply
Representative Example
17.9% APR representative variable
17.95% p.a. variable on purchases
£1,200 assumed credit limit
AA Balance Transfer
 0% for 16 months
(Fee: 2.9%) 		0% for 3 months 17.9% Details / Apply
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
Representative Example
17.9% representative APR variable
17.9% p.a. variable on purchases
£1,200 credit limit
Barclaycard Platinum Balance Transfer
 0% for 17 months
(Fee: 1.6%) 		0% for 3 months 18.9% Details / Apply
Representative Example
18.9% representative APR variable
18.9% p.a. variable on purchases
£1,200 credit limit
Virgin All Round
 0% for 16 months
(Fee: 1.99% - min £3) 		0% for 6 months 15.8% Details / Apply
Rewards: Cardholders can take advantage of exclusive instant savings across the Virgin group with discounted holidays, wine, gym membership, experience days and more
Representative Example
15.8% representative APR variable
15.8% p.a. variable on purchases
£1,200 credit limit
RBS Platinum
The Royal Bank of Scotland plc.
36 St Andrew Square,
Edinburgh,
EN2 2YB 		0% for 20 months
(Fee: 2.9% - min £5) 		0% for 6 months 17.9% Details / Apply
1% off the APR for Royalties Gold customers for at least 12 months You must be aged over 18 and earning at least £10,000 to apply
Representative Example
Representative APR: 17.9% APR (variable)
Purchase rate: 17.95% p.a. (variable)
Assumed credit limit: £1,200 The actual credit limit assigned to individual accounts will vary depending on a credit assessment of you
NatWest Platinum
 0% for 20 months
(Fee: 2.9% - min £5) 		0% for 6 months 17.9% Details / Apply
You must be aged over 18 and earning at least £10,000 to apply
Representative Example
Representative APR: 17.9% APR (variable)
Purchase rate: 17.95% p.a. (variable)
Assumed credit limit: £1,200 The actual credit limit assigned to individual accounts will vary depending on a credit assessment of you
Play.com
MBNA Europe Bank Limited
Stansfield House,
Chester Business Park,
Wrexham Road,
Chester, CH4 9QQ 		0% for 6 months
(Fee: 1.5% - min £3) 		0% for 9 months 16.9% Details / Apply
Receive 1,500 bonus Play Points if you spend £150 on your card within the first 90 days Suitable for homeowners with a good credit history, aged at least 23 and in full time employment Rewards: Collect Play Points and redeem them for Play.com gift vouchers. Earn 2 points for every £1 you spend at Play.com and 1 point for every £1 you spend elsewhere.
Representative Example
16.9% APR representative variable
16.9% p.a.variable on purchase
£1,200 credit limit
AA Credit Card
 0% for 12 months
(Fee: 3% - min £3) 		0% for 10 months 16.9% Details / Apply
Rewards: 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
Representative Example
16.9% representative APR variable
16.9% p.a. variable on purchases
£1,200 credit limit
Bank of Scotland All In One
 0% for 12 months
(Fee: 3% - min £3) 		0% for 12 months 17.9% Details / Apply
Representative Example
17.9% representative APR variable
17.95% p.a. variable on purchase
£1,200 credit limit
NatWest YourPoints World
 0% for 13 months
(Fee: 2.9% - min £5) 		0% for 13 months 17.9% Details / Apply
Get 2,500 bonus YourPoints every year 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
Representative Example
Representative APR: 17.9% APR (variable)
Purchase rate: 17.95% p.a. (variable)
Assumed credit limit: £1,200 The actual credit limit assigned to individual accounts will vary depending on a credit assessment of you
Bank of Scotland Advantage
 0% for 13 months
(Fee: 3% - min £3) 		0% for 13 months 17.9% Details / Apply
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.
Representative Example
17.9% representative APR variable
17.95% p.a. variable on purchase
£1,200 credit limit
RBS YourPoints World
 0% for 13 months
(Fee: 2.9% - min £5) 		0% for 13 months 17.9% Details / Apply
Get 2,500 bonus RBS YourPoints every year 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
Representative Example
Representative APR: 17.9% APR (variable)
Purchase rate: 17.95% p.a. (variable)
Assumed credit limit: £1,200 The actual credit limit assigned to individual accounts will vary depending on a credit assessment of you
Virgin Retail
 0% for 13 months
(Fee: 2.89%) 		0% for 13 months 18.9% Details / Apply
Representative Example
18.9% representative APR variable
18.9% p.a. variable on purchases
£1,200 credit limit
Halifax All In One
 0% for 15 months
(Fee: 3% - min £3) 		0% for 15 months 17.9% Details / Apply
The APR and length of the promotional offer are dependent on your personal circumstances
Representative Example
17.9% representative APR variable
17.95% p.a. variable on purchase
£1,200 credit limit
Barclaycard Platinum Purchase
 0% for 15 months
(Fee: 2.9%) 		0% for 15 months 18.9% Details / Apply
Bursting with easy ways to help you spread the cost
Representative Example
18.9% representative APR variable
18.9% p.a. variable on purchases
£1,200 credit limit

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