|
|
Introductory Interest Free Deals
 0%
Balance Transfers
0%
Purchases
0%
Balance Transfers & Purchases
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% Credit Cards - Balance Transfers
Credit cards offering 0% APR for an introductory period on balances transferred from another card.
| Card |
Intro Rate
Balance Transfers |
Intro Rate
Purchases |
Representative APR
(variable) |
|
 Barclaycard Platinum Balance Transfer
|
0% for 24 months
(Fee: 3.2%)
|
0% for 3 months |
17.9% |
|
|
Freeze your interest at 0% until 2014!
|
Representative Example
17.9% representative APR variable
17.9% p.a.variable on purchase
£1,200 credit limit
|
|
 HSBC Bank
|
0% for 23 months
(Fee: 3.3% - min £5)
|
0% for 3 months |
17.9% |
|
|
This product is only available to existing HSBC customers
|
Representative Example
17.9% representative APR variable
17.9% 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: 3.2%)
|
0% for 3 months |
17.5% |
|
|
Refund offer which reduces the handling fee to equivalent of 2.9% for everyone
|
Representative Example
17.5% APR representative variable
17.5% 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% |
|
|
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% |
|
|
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 purchase
£1,200 credit limit
|
|
 Halifax
|
0% for 20 months
(Fee: 3% - min £3)
|
0% for 3 months |
16.9% |
|
|
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
|
|
 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% |
|
|
1% off the APR for Royalties Gold customers
|
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)
In the Representative Example above we have used an assumed credit limit of £1,200. The actual credit limit assigned to individual accounts will vary depending on our credit assessment of you.
Pay 0% on balance transfers for 20 months (2.9% fee, min £5).
This offer is only available online.
Over 18s only.
Minimum income to apply: £10k p.a.
|
|
 NatWest Platinum
|
0% for 20 months
(Fee: 2.9% - min £5)
|
0% for 6 months |
17.9% |
|
|
1% off the APR for Advantage Gold customers
|
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)
In the Representative Example above we have used an assumed credit limit of £1,200. The actual credit limit assigned to individual accounts will vary depending on our credit assessment of you.
Pay 0% on balance transfers for 20 months (2.9% fee, min £5).
This offer is only available online.
Over 18s only.
Minimum income to apply: £10k p.a.
|
|
 Bank of Scotland Plus
|
0% for 18 months
(Fee: 3% - min £3)
|
0% for 3 months |
16.9% |
|
|
|
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% |
|
|
|
Representative Example
16.9% representative APR variable
16.94% 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% |
|
|
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 purchase
£1,200 credit limit
|
|
 AA Balance Transfer
|
0% for 16 months
(Fee: 2.9%)
|
0% for 3 months |
17.9% |
|
|
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 purchase
£1,200 credit limit
|
|
 Lloyds TSB Platinum
|
0% for 15 months
(Fee: 3%)
|
0% for 3 months |
17.9% |
|
|
|
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% |
|
|
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
|
|
 NatWest YourPoints World
|
0% for 13 months
(Fee: 2.9% - min £5)
|
0% for 13 months |
17.9% |
|
|
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
|
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).
|
|
 Bank of Scotland Advantage
|
0% for 13 months
(Fee: 3% - min £3)
|
0% for 13 months |
17.9% |
|
|
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% |
|
|
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
|
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).
|
|
 Virgin Retail
|
0% for 13 months
(Fee: 2.89%)
|
0% for 13 months |
18.9% |
|
|
|
Representative Example
18.9% representative APR variable
18.9% 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% |
|
|
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 purchase
£1,200 credit limit
|
|
 Bank of Scotland All In One
|
0% for 12 months
(Fee: 3% - min £3)
|
0% for 12 months |
17.9% |
|
|
|
Representative Example
17.9% representative APR variable
17.95% p.a. variable on purchase
£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% |
|
|
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% Credit Cards - Purchases
Credit cards offering 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% |
|
|
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
|
|
Bank of Scotland Advantage
|
0% for 13 months
(Fee: 3% - min £3)
|
0% for 13 months |
17.9% |
|
|
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% |
|
|
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
|
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).
|
|
RBS YourPoints World
|
0% for 13 months
(Fee: 2.9% - min £5)
|
0% for 13 months |
17.9% |
|
|
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
|
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).
|
|
Virgin Retail
|
0% for 13 months
(Fee: 2.89%)
|
0% for 13 months |
18.9% |
|
|
|
Representative Example
18.9% representative APR variable
18.9% p.a.variable on purchase
£1,200 credit limit
|
|
Bank of Scotland All In One
|
0% for 12 months
(Fee: 3% - min £3)
|
0% for 12 months |
17.9% |
|
|
|
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% |
|
|
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 purchase
£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% |
|
|
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% |
|
|
|
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% |
|
|
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 purchase
£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% |
|
|
1% off the APR for Royalties Gold customers
|
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)
In the Representative Example above we have used an assumed credit limit of £1,200. The actual credit limit assigned to individual accounts will vary depending on our credit assessment of you.
Pay 0% on balance transfers for 20 months (2.9% fee, min £5).
This offer is only available online.
Over 18s only.
Minimum income to apply: £10k p.a.
|
|
NatWest Platinum
|
0% for 20 months
(Fee: 2.9% - min £5)
|
0% for 6 months |
17.9% |
|
|
1% off the APR for Advantage Gold customers
|
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)
In the Representative Example above we have used an assumed credit limit of £1,200. The actual credit limit assigned to individual accounts will vary depending on our credit assessment of you.
Pay 0% on balance transfers for 20 months (2.9% fee, min £5).
This offer is only available online.
Over 18s only.
Minimum income to apply: £10k p.a.
|
|
Virgin
|
0% for 20 months
(Fee: 2.99%)
|
0% for 3 months |
16.8% |
|
|
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 purchase
£1,200 credit limit
|
|
Halifax
|
0% for 17 months
(Fee: 3% - min £3)
|
0% for 3 months |
16.9% |
|
|
|
Representative Example
16.9% representative APR variable
16.94% p.a. variable on purchase
£1,200 credit limit
|
|
Bank of Scotland Plus
|
0% for 18 months
(Fee: 3% - min £3)
|
0% for 3 months |
16.9% |
|
|
|
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% |
|
|
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
|
|
Barclaycard Platinum
Barclays Bank PLC
1 Churchill Place,
London,
E14 5HP
|
0% for 22 months
(Fee: 3.2%)
|
0% for 3 months |
17.5% |
|
|
Refund offer which reduces the handling fee to equivalent of 2.9% for everyone
|
Representative Example
17.5% APR representative variable
17.5% p.a. variable on purchases
£1,200 assumed credit limit
|
|
Barclaycard Platinum Balance Transfer
|
0% for 24 months
(Fee: 3.2%)
|
0% for 3 months |
17.9% |
|
|
Freeze your interest at 0% until 2014!
|
Representative Example
17.9% representative APR variable
17.9% p.a.variable on purchase
£1,200 credit limit
|
|
Lloyds TSB Platinum
|
0% for 15 months
(Fee: 3%)
|
0% for 3 months |
17.9% |
|
|
|
Representative Example
17.9% representative APR variable
17.95% p.a. variable on purchase
£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% |
|
|
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
|
|
HSBC Bank
|
0% for 23 months
(Fee: 3.3% - min £5)
|
0% for 3 months |
17.9% |
|
|
This product is only available to existing HSBC customers
|
Representative Example
17.9% representative APR variable
17.9% p.a.variable on purchase
£1,200 credit limit
|
|
AA Balance Transfer
|
0% for 16 months
(Fee: 2.9%)
|
0% for 3 months |
17.9% |
|
|
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 purchase
£1,200 credit limit
|
|
0% Credit Cards - Purchases & Balance Transfers
Credit cards offering 0% APR for an introductory period on balances transferred from another card 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% |
|
|
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 purchase
£1,200 credit limit
|
|
Bank of Scotland Plus
|
0% for 18 months
(Fee: 3% - min £3)
|
0% for 3 months |
16.9% |
|
|
|
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% |
|
|
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% |
|
|
|
Representative Example
16.9% representative APR variable
16.94% 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: 3.2%)
|
0% for 3 months |
17.5% |
|
|
Refund offer which reduces the handling fee to equivalent of 2.9% for everyone
|
Representative Example
17.5% APR representative variable
17.5% 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% |
|
|
|
Representative Example
17.9% representative APR variable
17.95% p.a. variable on purchase
£1,200 credit limit
|
|
HSBC Bank
|
0% for 23 months
(Fee: 3.3% - min £5)
|
0% for 3 months |
17.9% |
|
|
This product is only available to existing HSBC customers
|
Representative Example
17.9% representative APR variable
17.9% p.a.variable on purchase
£1,200 credit limit
|
|
Barclaycard Platinum Balance Transfer
|
0% for 24 months
(Fee: 3.2%)
|
0% for 3 months |
17.9% |
|
|
Freeze your interest at 0% until 2014!
|
Representative Example
17.9% representative APR variable
17.9% p.a.variable on purchase
£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% |
|
|
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% |
|
|
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 purchase
£1,200 credit limit
|
|
Virgin All Round
|
0% for 16 months
(Fee: 1.99% - min £3)
|
0% for 6 months |
15.8% |
|
|
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 purchase
£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% |
|
|
1% off the APR for Royalties Gold customers
|
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)
In the Representative Example above we have used an assumed credit limit of £1,200. The actual credit limit assigned to individual accounts will vary depending on our credit assessment of you.
Pay 0% on balance transfers for 20 months (2.9% fee, min £5).
This offer is only available online.
Over 18s only.
Minimum income to apply: £10k p.a.
|
|
NatWest Platinum
|
0% for 20 months
(Fee: 2.9% - min £5)
|
0% for 6 months |
17.9% |
|
|
1% off the APR for Advantage Gold customers
|
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)
In the Representative Example above we have used an assumed credit limit of £1,200. The actual credit limit assigned to individual accounts will vary depending on our credit assessment of you.
Pay 0% on balance transfers for 20 months (2.9% fee, min £5).
This offer is only available online.
Over 18s only.
Minimum income to apply: £10k p.a.
|
|
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% |
|
|
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% |
|
|
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 purchase
£1,200 credit limit
|
|
Bank of Scotland All In One
|
0% for 12 months
(Fee: 3% - min £3)
|
0% for 12 months |
17.9% |
|
|
|
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% |
|
|
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
|
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).
|
|
Bank of Scotland Advantage
|
0% for 13 months
(Fee: 3% - min £3)
|
0% for 13 months |
17.9% |
|
|
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% |
|
|
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
|
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).
|
|
Virgin Retail
|
0% for 13 months
(Fee: 2.89%)
|
0% for 13 months |
18.9% |
|
|
|
Representative Example
18.9% representative APR variable
18.9% 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% |
|
|
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
|
|
|
