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CREDIT CARD FINDER

Use your credit rating to find willing lenders. Either hover your mouse over the stars to the right of the screen, and click to set your credit rating, or, if you don’t know it, click the button to calculate your credit rating for free.

We can’t guarantee 100% success, but the vast majority of customers using our credit finder will be approved first time.

LOWEST REPRESENTATIVE APR

Lloyds Bank Platinum Low Rate Credit Card - 6.4% APR Representative Variable

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  • No Annual Fee
  • No Introductory Offer
  • No Balance Transfer Offer
  • Recommended by 57% of customers surveyed

Michael
Credit Analyst

It's difficult to get past the very low rate on this credit card. In perspective, it is one third of the average rate, so clearly Lloyds is looking for low risk customers - not everyone will qualify for this. It makes no sense to go for a low rate card unless you sometimes inadvertently don't pay your card in full, or if you have a sticky credit card balance that you can't seem to shift. In both of those situations this card will save you serious money. The card includes an introductory balance transfer offer of no transfer fee for the first 3 months. Lloyds say that 51% of applicants will receive the best rate, with others receiving either 10.9% APR or 14.9% APR, so even the worst rate is better than average. The card is only available to new Lloyds Bank credit card customers so is not suitable for any existing customers.

Lloyds Bank Platinum Low Rate Credit Card REPRESENTATIVE EXAMPLE

Representative rate of 6.4% on purchases and balances transferred
Based on £1200 limit
Credit limits will vary based on your individual circumstances

Bank of Scotland Low Rate Credit Card - 6.4% APR Representative Variable

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  • No Annual Fee
  • No Introductory Offer
  • No Balance Transfer Offer
  • Recommended by 58% of customers surveyed

Ian
Ops Director

People use credit cards in different ways, with some customers wanting to purely take advantage of initial interest-free offers. Others want a reliable card that can be used all of the time and if you are looking for a card which offers a constant low rate for both purchases and balances, this sort of card is ideal. The majority of customers get a low rate of 6.4% APR, some 10% under many of the cards offering an opening incentive, so this card is great if you are looking to use it day-to-day. They also include no balance transfer fees for the first 3 months from opening, after this any transfer is subject to a 3% charge.

Bank of Scotland Low Rate Credit Card REPRESENTATIVE EXAMPLE

Representative rate of 6.4% on purchases and balances transferred
Based on £1200 limit
Credit limits will vary based on your individual circumstances

NatWest Clear Rate Platinum Credit Card - 11.1% APR Representative Variable

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  • Annual Fee of £24
  • No Introductory Offer
  • No Balance Transfer Offer
  • Recommended by 61% of customers surveyed

Chris
IT Director

For a limited time, NatWest will pay off 1% of any balance you transfer, up to a total of £50. This credit card is a great option if you are looking for a card with no introductory offers but a simple, low rate for both balance transfers and purchases of 6.9% variable. There are no balance transfer fees, with Natwest instead charging £24 a year, which works out at a representative 11.1% APR. If you don’t pay off your balance each month the low rates will benefit you and as with all credit cards, you get up to 56 days interest free on purchases if you pay your balance in full and on time each month. You need to earn at least £10,000 p.a. to qualify for the card but the APR offered can vary depending on your circumstances. Natwest offer the 6.9% rate to at least 51% of applicants but for some customers the rates could be either 11.9% or 14.9% p.a. (variable).

NatWest Clear Rate Platinum Credit Card REPRESENTATIVE EXAMPLE

Representative 11.1% APR (variable) subject to £24 annual fee
Both purchases and balance transfers 6.9% variable
Assumed credit limit £1,200

Barclaycard Platinum Low Rate Credit Card - 11.9% APR Representative Variable

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  • No Annual Fee
  • No Introductory Offer
  • No Balance Transfer Offer
  • Recommended by 66% of customers surveyed

Tom L
Credit Analyst

This isn't the lowest 'low rate' card in the market, but by setting the standard rate at 11.9%, Barclaycard is opening it up to a much wider range of potential customers, and not just to those with 5 star credit ratings. There are no 0% offers on balance transfers and purchases, but introductory offers always revert to much higher interest rates once the initial offer period has ended. If you tend to borrow on your card - whether by necessity or by accident - and are looking for a credit card with a reasonable credit limit to use from day one with a low rate, this card is a firm option for you. No annual fee. All the usual Barclaycard strengths in card technology and fraud prevention. 66% of our annual survey respondents rate Barclaycard's customer service as very good or excellent.

Barclaycard Platinum Low Rate Credit Card REPRESENTATIVE EXAMPLE

11.9% on balance transfers and purchases
Assumed limit £1200

BEST FOR CASHBACK

Santander 1 2 3 - 12.7% APR Representative Variable

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  • Annual Fee of £24
  • Intro Offer of 23m at 0%
  • Balance Transfers at 0% for 23m (0% fee)
  • Recommended by 76% of customers surveyed

Simon
Credit Analyst

The outstanding feature of this card is the cashback offer. This gives 1% cashback at all major supermarkets, 2% cashback at all major department stores and 3% cashback at all major petrol stations and on National Rail and Transport for London travel (on combined spend in the 3% area of up to £300 a month). The introductory and balance transfer offers are both decent. The £24 annual fee will outweigh the benefit of cashback if you don’t use the card enough. But in the first year the fee is refunded if you hold a Santander 1-2-3 current account, currently one of the best in the market (check out our current account section for full details). Santander is rated very well for customer service in our Banking and Credit Card Survey, coming in a very credible third place, behind M&S and Amex.

Santander 1 2 3 REPRESENTATIVE EXAMPLE

0% p.a. on card purchases for 23 months followed by 12.7% p.a. variable on card purchases. This is equivalent to 16.5% APR representative variable based on an assumed credit limit of £1200. Annual fee: £24
*Your credit limit may vary depending on your circumstances

British Airways American Express Credit Card - 15.9% APR Representative Variable

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  • No Annual Fee
  • No Introductory Offer
  • No Balance Transfer Offer
  • Recommended by 89% of customers surveyed

Tom L
Credit Analyst

If you regularly travel, the British Airways American Express Credit Card could "turn your receipts into trips". You receive 9,000 Avios flight points to welcome you (T&Cs apply) and a range of benefits, including a companion voucher when you spend £20,000 and enrolment to the BA Executive Club. You earn points for every £1 you spend and unlike some of the other American Express cards, there is no annual fee. This kind of card doesn't have an introductory offer but it does have a cheaper than average 15.9% APR if you are looking to use it long term and take advantage of collecting points for free flights.

British Airways American Express Credit Card REPRESENTATIVE EXAMPLE

Representative 15.9% APR variable
Based on assumed limit of £1,200

Natwest Cashback Plus Credit Card - 17.4% APR Representative Variable

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  • Annual Fee of £24
  • No Introductory Offer
  • No Balance Transfer Offer
  • Recommended by 61% of customers surveyed

Tom L
Credit Analyst

The Natwest Cashback Plus card does exactly what it says on the tin - it provides users with cashback on lots of different types of shopping, including 1% on your weekly supermarket shop, at least 1% on affiliate retailers, 1% on contactless transactions and 0.5% on all other purchases at home and abroad. If you are looking to transfer balances you won't receive an interest free period but you also will not have to pay any fee (typically 1.5-3%). There is an annual fee to be aware of, which is £24, but if you are looking for an everyday cashback card that gives you some return on your monthly spend, this could be for you. For a limited time there is also 10% cashback available in UK bars and restaurants (1st April-30th June 2015).

Natwest Cashback Plus Credit Card REPRESENTATIVE EXAMPLE

Purchase rate 12.9%
Representative APR 17.4%
Assumed credit limit £1200
Annual fee £24

Post Office Platinum Credit Card - 17.8% APR Representative Variable

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  • No Annual Fee
  • Intro Offer of 3m at 0%
  • Balance Transfers at 0% for 18m (2.98% fee)
  • Not yet rated by our customers

Simon
Credit Analyst

One of the very fastest cards to be issued in our tests - arriving on our doormat in just after a week. It is perfect for holiday spending abroad as this is one of just a handful of cards which charges no fees for purchases made overseas. There is also 18 months interest free on balance transfers and 3 months interest free on purchases, so if you are using it to pay for your holiday you can spread the cost. Credit limits are reasonable - this is a mainstream card - and my experience of seeking an increase was a good one - customer service staff are efficient and professional. Everyone who holidays abroad should have this card. If you have less than an average credit rating, go for the Aquis Reward Card instead which offers much lower limits, higher APRs, but also doesn't charge for overseas transactions.

Post Office Platinum Credit Card REPRESENTATIVE EXAMPLE

17.8% APR on balance transfers and purchases
Based on £1200 credit limit

Amex Platinum Cashback - 18.7% APR Representative Variable

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  • Annual Fee of £25
  • No Introductory Offer
  • No Balance Transfer Offer
  • Recommended by 89% of customers surveyed

Simon
Credit Analyst

Don’t confuse this card with the very similar one that costs £450 a year to run, this card is just £25 a year and also gives a minimum cashback of 1.25% on all purchases (5% up to £125 for the first £2,500 of purchases in the first 3 months, and 2.5% for a month at every anniversary if you charge more than £10,001 to the card in the previous year). I have found the customer service level given by American Express to be exceptional – the company consistently comes out near the top of our annual surveys every year – if the card was accepted everywhere I’m sure it would be on top. The fantastic Global Assist gives unrivalled 24/7 help when abroad, there’s 90 day Refund and Purchase Protection thrown in, and some very limited travel insurance too. It’s surprising where you can use your Amex card and get cashback – Tesco for your shopping, filling stations, Starbucks and loads more. Cashback is paid once a year and you see how you’re doing on each statement. You don’t have to be rich to get this awesome piece of bling – a clean credit record and a minimum salary of £20k are two of the basic requirements. Exceptional service, valuable cashback.

Amex Platinum Cashback REPRESENTATIVE EXAMPLE

Representative 18.7% APR variable. Based on £25 annual fee, assumed borrowing of £1,200, rate of interest 14.0% per annum (variable).

Barclaycard Platinum 35m Balance Transfer card - 18.9% APR Representative Variable

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  • No Annual Fee
  • Intro Offer of 6m at 0%
  • Balance Transfers at 0% for 35m (2.29% fee)
  • Recommended by 66% of customers surveyed

Tom L
Credit Analyst

Barclaycard is the largest credit card company in the World. It has a history of many firsts in the market and its range of cards is awesome. If you don’t already have a Barclaycard, and if you have a large, long standing amount outstanding on another card, then this 35 month 0% balance transfer card could save you serious money. Every penny you pay to Barclaycard in the first 35 months – other than the fee of 2.29%– will be in repayment of your debt, instead of paying interest. The card technology behind all Barclaycard products is market leading, robust fraud protection is a given with all Barclaycards, and 66% of our customers rate the customer service provided by Barclaycard as very good or excellent.

Barclaycard Platinum 35m Balance Transfer card REPRESENTATIVE EXAMPLE

Representative APR 18.9% APR (variable)
Purchase rate p.a. 18.9% p.a.
Assumed credit limit £1,200

BEST FOR BALANCE TRANSFERS

Barclaycard 36m Platinum Balance Transfer card - 18.9% APR Representative Variable

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  • No Annual Fee
  • Intro Offer of 6m at 0%
  • Balance Transfers at 0% for 3yrs (2.39% fee)
  • Recommended by 66% of customers surveyed

Tom L
Credit Analyst

Barclaycard is the largest credit card company in the World. It has a history of many firsts in the market and its range of cards is awesome. If you don’t already have a Barclaycard, and if you have a large, long standing amount outstanding on another card, then this 36 month 0% balance transfer card could save you serious money. Every penny you pay to Barclaycard in the first 36 months – other than the fee of 2.39% – will be in repayment of your debt, instead of paying interest. The card technology is market leading, and robust fraud protection is a given with all Barclaycards. Customer service is good too - 66% of our customers rate Barclaycard as very good or excellent.

Barclaycard 36m Platinum Balance Transfer card REPRESENTATIVE EXAMPLE

Representative APR 18.9% APR (variable)
Purchase rate p.a. 18.9% p.a.
Assumed credit limit £1,200

Barclaycard 14m Purchase 25m Balance Transfer card - 18.9% APR Representative Variable

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  • No Annual Fee
  • Intro Offer of 14m at 0%
  • Balance Transfers at 0% for 25m (2.49% fee)
  • Recommended by 66% of customers surveyed

Arron
International Development Officer

After building my credit history using a higher interest rate card, I was keen to get a more mainstream product to make a couple of one off purchases. This Barclaycard really appealed due to the interest free period of 14 months for purchases - one of the longest grace periods offered in the current market. There was also the good interest free period on balance transfers if I needed it. The application process was straightforward and the card was received within a few working days. The account can be monitored easily online, and is automatically linked to other Barclays accounts when using the free to download iPad or Android apps. Statements can be delivered by post, email or online. Email alerts are also sent when a new statement is available to view on the account. An interest rate of 18.9% may not be the lowest, but unless you have an exceptional credit score, it is certainly acceptable. The card is recommended by 66% of our customers and it’s easy to see why.

Barclaycard 14m Purchase 25m Balance Transfer card REPRESENTATIVE EXAMPLE

Representative example:
Representative APR 18.9% APR (variable)
Purchase rate p.a. 18.9% p.a. (variable)
Assumed credit limit £1,200

Bank of Scotland 28m Balance Transfer 12m purchase - 18.9% APR Representative Variable

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  • No Annual Fee
  • Intro Offer of 1yr at 0%
  • Balance Transfers at 0% for 28m (1.5% fee)
  • Recommended by 58% of customers surveyed

Kelly
Marketing Executive

This credit card is Bank of Scotland’s 2nd longest balance transfer card, with 28 months at 0%. The transfer fee is just 1.5% in the first 90 days, and 3% thereafter. The card gives 12 months on purchases from the opening of the account, meaning that this card is perfect for anyone looking for a long balance transfer as well as a long period of 0% on purchases. With a typical starting credit limit of £1,200 and a representative APR of 18.9% this card is targeting the mainstream market and those with a good credit score.

Bank of Scotland 28m Balance Transfer 12m purchase REPRESENTATIVE EXAMPLE

Representative APR: 18.90%
Purchase Rate: 18.95%
Based on Borrowing: £1,200
Annual Fee: None

Halifax 36m Balance Transfer Card - 18.9% APR Representative Variable

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  • No Annual Fee
  • Intro Offer of 6m at 0%
  • Balance Transfers at 0% for 3yrs (2.49% fee)
  • Recommended by 57% of customers surveyed

Michael
Credit Analyst

Hot on the heels of the Barclays 36m transfer card this Halifax credit card is great for those looking to spread the cost of their existing debt with 0% on balance transfers for 36 months. For a 2.49% fee (3%, with 0.5% to be refunded) you can transfer any balances within the first 90 days, as well as receiving 0% for the first 6 months on purchases, so its a great option for those looking for a long 0% deal. The best deal – which applies to at least 51% of applicants - is the 36/6 offer at 18.9%. This means you’ll have an offer of a 0% balance transfer for a 36 month term and 0% on purchases for a 6 month term. Or you might get a 36 months offer at 21.9%, or a 26/6 or 18/6 offer at 25.9% APR. It may seem a little over-complicated, but basically they’ll tell you what deal is on offer and you can then decide whether it’s the best fit for your financial needs.

Halifax 36m Balance Transfer Card REPRESENTATIVE EXAMPLE

Representative example: A purchase rate of 18.95% p.a. (variable) With a representative 18.9% APR (variable)
2.49% fee in first 90 days
With an example credit limit of £1200
APR and Promotional periods may vary depending on your personal circumstances

Barclaycard Platinum 24m Balance Transfer card - 18.9% APR Representative Variable

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  • No Annual Fee
  • Intro Offer of 6m at 0%
  • Balance Transfers at 0% for 2yrs (1.15% fee)
  • Recommended by 66% of customers surveyed

Kelly
Marketing Executive

I’ve had a Barclaycard since university and have always found their offers straightforward and easy to understand. This card from Barclaycard offers a great 24 month balance transfer at a low 1.15% transfer fee (reduced from 2% via a refund). 6 months on purchases means that this is a very useable card for those looking for a cheaper balance transfer deal on a long 0% repayment offer. Barclaycard is also hot on fraud and whenever I’ve used my card after a period of non-use they will always phone me to check that it is a valid transaction. 66% of our annual survey respondents rate Barclaycard's customer service as very good or excellent and I'd agree with that.

Barclaycard Platinum 24m Balance Transfer card REPRESENTATIVE EXAMPLE

Representative APR 18.9% APR (variable)
Purchase rate p.a. 18.9% p.a.
Assumed credit limit £1,200

BoS 16m Balance Transfer/Purchase Credit Card - 18.9% APR Representative Variable

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  • No Annual Fee
  • Intro Offer of 16m at 0%
  • Balance Transfers at 0% for 6m (0% fee)
  • Recommended by 58% of customers surveyed

Tom L
Credit Analyst

The most attractive part of this credit card offering is the 0% (3% after 90 days) balance transfer fee for the first 90 days, which gives customers the opportunity to transfer for free. The card offers 16 months at 0% balance transfer and 6 months 0% on purchases. Bank of Scotland also cover against online fraud and your transactions are protected by Bank of Scotland Secure when you shop online with participating retailers.

BoS 16m Balance Transfer/Purchase Credit Card REPRESENTATIVE EXAMPLE

Representative APR: 18.90%
Purchase Rate: 18.95%
Based on Borrowing: £1,200
Annual Fee: None

Bank of Scotland 36m Balance Transfer card - 18.9% APR Representative Variable

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  • No Annual Fee
  • Intro Offer of 6m at 0%
  • Balance Transfers at 0% for 3yrs (3% fee)
  • Recommended by 58% of customers surveyed

Ian
Ops Director

This is Bank of Scotland's answer to Barclaycard's longest-ever 0% balance transfer card and the 36 month term is market leading in terms of the interest free period. The 3% fee is not as low as some of Bank of Scotland's other credit cards, so if you are hoping to repay the transferred balance more quickly, look at its other offers. Bank of Scotland 'rates for risk' so only those with good credit ratings will get the advertised rate. Check carefully what you are offered if you intend to keep the card after the interest free period.

Bank of Scotland 36m Balance Transfer card REPRESENTATIVE EXAMPLE

Representative APR: 18.90%
Purchase Rate: 18.95%
Based on Borrowing: £1,200

Halifax 28m Balance Transfer card - 18.9% APR Representative Variable

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  • No Annual Fee
  • Intro Offer of 1yr at 0%
  • Balance Transfers at 0% for 28m (1.5% fee)
  • Recommended by 58% of customers surveyed

Jasmin
Credit Analyst

Halifax tend to have a varying offer available to potential borrowers, so you won't know for sure what your credit card will provide until you receive it. 51% of borrowers get the best deal, which is 28m balance transfer and 12 months on purchases, both at 0% for this time. Others will receive balance transfers for between 15-21 months at 0%, with subsequent APR at 21.9-25.9%. The 1.5% fee for the first 90 days is good value compared with many other credit cards in its field.

Halifax 28m Balance Transfer card REPRESENTATIVE EXAMPLE

Representative example: A purchase rate of 18.95% p.a. (variable) With a representative 18.9% APR (variable) With an example credit limit of £1200
APR and Promotional periods may vary depending on your personal circumstances

Lloyds Bank 16m Balance Transfer/Purchase card - 18.9% APR Representative Variable

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  • No Annual Fee
  • Intro Offer of 16m at 0%
  • Balance Transfers at 0% for 6m (0% fee)
  • Recommended by 57% of customers surveyed

Kev
Credit Analyst

An increasing number of credit card providers are competing when it comes to balance transfer cards and several are now offering a free fee period, which when used on an existing balance can be a significant saving on some of the fee charging cards. This Lloyds card is one of the free fee balance transfer cards competing in this arena, with an attractive 0% for 16 months on transfers, as well as 6 months interest free on purchases. Borrowers also benefit from Lloyds Bank ClickSafe, which provides free protection when purchasing online.

Lloyds Bank 16m Balance Transfer/Purchase card REPRESENTATIVE EXAMPLE

Representative example: A purchase rate of 18.94% p.a. (variable) With a representative 18.9% APR (variable) With an example credit limit of £1200

Lloyds Bank Platinum 36m Balance Transfer card - 18.9% APR Representative Variable

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  • No Annual Fee
  • Intro Offer of 6m at 0%
  • Balance Transfers at 0% for 3yrs (3% fee)
  • Recommended by 57% of customers surveyed

Rebecca
Credit Analyst

Lloyds currently have their longest balance transfer card at a 3% transfer fee. Lloyds Bank do advise that 51% of customers will receive the best rate, others may receive lower balance transfer periods and higher APR rates after the initial interest free period. This tends to be confirmed once your application has been accepted.

Lloyds Bank Platinum 36m Balance Transfer card REPRESENTATIVE EXAMPLE

Representative example: A purchase rate of 18.94% p.a. (variable) With a representative 18.9% APR (variable) With an example credit limit of £1200

Lloyds Bank Platinum 28m Balance Transfer card - 18.9% APR Representative Variable

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  • No Annual Fee
  • Intro Offer of 1yr at 0%
  • Balance Transfers at 0% for 28m (1.5% fee)
  • Recommended by 57% of customers surveyed

Ben T
Credit Analyst

As with all of Lloyds Bank's credit cards, the 'risk' of each applicant is assessed and whilst the majority will receive their best rates, some customers may receive shorter balance transfer periods or higher APR, so it is recommended that you check this if your application is successful. The balance transfer period of 28 months at a 1.5% fee is good and will appeal to those looking to pay an existing balance off within a timeframe. You will also receive 12 months interest free on purchases, as well as Lloyds' normal benefits of online shopping protection and use of their 'Money Manager' tracking.

Lloyds Bank Platinum 28m Balance Transfer card REPRESENTATIVE EXAMPLE

Representative example: A purchase rate of 18.94% p.a. (variable) With a representative 18.9% APR (variable) With an example credit limit of £1200
Offer varies from customer to customer, depending on their circumstances.

Lloyds Bank Platinum 19m Balance Transfer Card - 18.9% APR Representative Variable

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  • No Annual Fee
  • Intro Offer of 19m at 0%
  • Balance Transfers at 0% for 19m (1% fee)
  • Recommended by 57% of customers surveyed

Ben
Credit Analyst

This new credit card from Lloyds Bank is a card giving great introductory periods on both balance transfers and purchases, something that is not common in a market that tends to gear towards one or the other. A couple of cards are currently offering a great deal on both and this is definitely up there in terms of interest free periods. The 1% transfer fee is also very competitive in the market and Lloyds promise that at least 51% of customers will receive the best terms. If not, a rate of either 21.9% APR or 25.9% APR could be applied but all will offer the first 19 months on balances transferred at 0% and 19 months 0% on purchases.

Lloyds Bank Platinum 19m Balance Transfer Card REPRESENTATIVE EXAMPLE

Representative example: A purchase rate of 18.94% p.a. (variable) With a representative 18.9% APR (variable) With an example credit limit of £1200

M&S 19m Purchases 15m Balance Transfer Card - 18.9% APR Representative Variable

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  • No Annual Fee
  • Intro Offer of 19m at 0%
  • Balance Transfers at 0% for 15m (2.9% fee)
  • Recommended by 78% of customers surveyed

Ian
Ops Director

There is no doubt that Marks & Spencers will be hoping that brand loyal customers will search out their banking products and any associated offers. Their credit card is a very attractive prospect to those looking for a card offering a good balance transfer and purchases period, as well as collecting M&S points. You will earn M&S points every time you spend on your card and a bonus points voucher worth £5 is available when you spend in home, clothing or food at M&S.
There is also no cash advance fee (normally 2.99%) if you buy your travel money with M&S.

M&S 19m Purchases 15m Balance Transfer Card REPRESENTATIVE EXAMPLE

18.9% APR variable
Based on credit limit of £1200

Halifax 19m Balance Transfer 19m Purchase card - 18.9% APR Representative Variable

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  • No Annual Fee
  • Intro Offer of 19m at 0%
  • Balance Transfers at 0% for 19m (1% fee)
  • Recommended by 57% of customers surveyed

Kev
Credit Analyst

All credit card providers seem to be increasingly extending the range of cards available to consumers that give them different options when it comes to 0% periods. This card offers a long interest-free period on both balances and purchases, giving the customer more flexibility and time to pay off the balance. The card is based on the potential risk the customer is to the lender, so whilst you may be offered the best rate of 18.9%, you may be given either 21.9% or 25.9% APR. It's also worth noting that the balance transfer fee increases from 1% to 3% after the first 90 days, so it is cheaper to make transfers once you receive the card.

Halifax 19m Balance Transfer 19m Purchase card REPRESENTATIVE EXAMPLE

18.9% APR Representative
18.95% p.a.purchase rate
Typical credit limit £1200

Post Office Matched Credit Card - 18.9% APR Representative Variable

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  • No Annual Fee
  • Intro Offer of 16m at 0%
  • Balance Transfers at 0% for 16m (2.98% fee)
  • Not yet rated by our customers

Barry
Co-founder

The Post Office now has two competitive credit card offers in place. The Post Office Matched Credit Card offers an impressive 16 months interest free on both purchases and balance transfers, which means you don't have to think about when to stop spending on the card to take maximum advantage of the interest free period. In addition there is also no cash fee when you purchase Post Office Travel Money. If you use your card overseas, the other offering from the Post Office - the Post Office Platinum Credit Card -is likely to be a better bet for you as that card has no charges for transactions abroad, whereas this card charges 2.99%.

Post Office Matched Credit Card REPRESENTATIVE EXAMPLE

18.9% APR on purchases and balance transfers
Based on £1200 credit limit

Barclaycard Hilton HHonors Platinum credit card - 18.9% APR Representative Variable

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  • No Annual Fee
  • No Introductory Offer
  • Balance Transfers at 0% for 15m (2.99% fee)
  • Recommended by 66% of customers surveyed

Ian
Ops Director

The Hilton HHonors credit card offers Barclaycard customers the chance to earn points on their Hilton Hotel stays, as well as a free night after spending £750 on the card in the first 90 days. Try not to let the name of the card put you off; you also earn two points for every pound you spend on everyday purchases. There is also a 15 month 0% balance transfer offer available, months 0% on balance transfers. A reasonable interest rate means that the card is targeted at a wide market. 66% of our customers rate Barclaycard's customer service as very good or excellent.

Barclaycard Hilton HHonors Platinum credit card REPRESENTATIVE EXAMPLE

Representative APR 18.9%
Based on £1200 credit limit

Bank of Scotland 19m BT 19m purchase credit card - 18.9% APR Representative Variable

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  • No Annual Fee
  • Intro Offer of 19m at 0%
  • Balance Transfers at 0% for 19m (1% fee)
  • Recommended by 58% of customers surveyed

Sam
International Development Officer

If you've got some balance to transfer and have a few purchases to make, this may be the card for you. 19 months interest free on both transfers and purchases means that you can spend on this card and repay it over a period of time, especially when the balance transfer fee is a low 1% for the first 90 days. Once the 90 days is up the fee then transfers to 3%.

Bank of Scotland 19m BT 19m purchase credit card REPRESENTATIVE EXAMPLE

18.9% APR representative
18.95%p.a. purchase rate
Based on £1,200 credit limit

Bank of Scotland 32m Balance Transfer credit card - 18.9% APR Representative Variable

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  • No Annual Fee
  • Intro Offer of 6m at 0%
  • Balance Transfers at 0% for 32m (1.69% fee)
  • Recommended by 58% of customers surveyed

Kelly
Marketing Executive

Many of us looking for credit cards are often swayed by the sheer length of the balance transfer period. when in reality we don't need quite that amount of time to pay it off. Instead, a good point to check on many of these cards is the balance transfer fee, which can range from 0-3%, depending on the card. This card has a fairly low transfer fee of 1.69% (via a refund), which means that you can transfer your balance to a long term interest free period for less money than some of the cards offering 36 months. Other features of the card include 6 months interest free on purchases.

Bank of Scotland 32m Balance Transfer credit card REPRESENTATIVE EXAMPLE

Representative APR: 18.90%
Purchase Rate: 18.95%
Based on Borrowing: £1,200

Amex Platinum Cashback Everyday - 19.9% APR Representative Variable

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  • No Annual Fee
  • No Introductory Offer
  • No Balance Transfer Offer
  • Recommended by 89% of customers surveyed

Ben
Credit Analyst

American Express already has a winner with its American Platinum Cashback card – it’s one of the best cashback cards around – so why opt for the ‘Everyday’ card? What’s the difference? The answer lies firstly in the fees charged. This one is free. The other costs £25 per annum. The second difference is that after the initial 3 month offer, cashback on this card is tiered, whereas it is 1.25% for all levels of spend on the other card. On this card, cashback is calculated so you earn 0.5% on the first £3,500 of spending on the card, 1% on the next £4,000 and 1.25% on spending over £7,500. This means that the American Express Platinum Cashback card (with the £25 fee) is a better bet for most people. The Everyday card only comes into its own for those who spend £4,250 per annum or less. You also earn 5% cashback up to £100 in your first three months of card membership.

Amex Platinum Cashback Everyday REPRESENTATIVE EXAMPLE

Representative 19.9% APR variable.
Based on assumed credit limit of £1,200.
Interest rate for purchases 19.9% p.a. variable.

Lloyds Bank Choice Rewards Credit Card - 23.7% APR Representative Variable

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  • Annual Fee of £24
  • Intro Offer of 1yr at 0%
  • Balance Transfers at 0% for 28m (3% fee)
  • Recommended by 57% of customers surveyed

Ali
Senior Developer

This credit card gives the customer the ability to collect points and rewards on their everyday spending, as well as offering a great 12 month 0% on purchases and 28 months 0% on balance transfers. The Choice Rewards card allows you to collect points as you spend, giving you rewards such as cashback, shopping vouchers, magazines subscriptions and travel rewards. The card offered is either an American Express or a Mastercard, with either 10 Choice points for every £1 of eligible spend available on the American Express and 10 Choice points for every £5 of eligible spend on the Mastercard. The American Express card also gives you double points for the first 6 months of purchases. There is an annual fee of £24 for this card but it could be a good option for someone looking to earn extra on their every day purchases.

Lloyds Bank Choice Rewards Credit Card REPRESENTATIVE EXAMPLE

Representative APR: 23.7%
Purchase Rate: 18.94%
Based on Borrowing: £1,200
Annual fee of £24
Credit limits will vary based on your individual circumstances

Barclaycard 18m Balance Transfer Credit Card - 24.9% APR Representative Variable

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  • No Annual Fee
  • Intro Offer of 3m at 0%
  • Balance Transfers at 0% for 18m (2.9% fee)
  • Recommended by 66% of customers surveyed

Sam
International Development Officer

As you might expect from the largest credit card issuer in the World, there are many different options available from Barclaycard. 0% on balance transfers gives customers the chance to repay outstanding balance within 18 months without paying any interest, as well as receiving 0% on purchases for 3 months which gives you the opportunity to consolidate sticky credit card debt elsewhere and make some further purchases before settling down to repay everything off within 18 months. Once the 0% period is over the APR rate of 24.9% isn't the lowest available but if an 18 month balance transfer offer matches your needs - then this card is the right choice. Credit limits are usually on the generous side, fraud prevention is top notch and 66% of our customers rate the customer service from Barclaycard as either very good or excellent.

Barclaycard 18m Balance Transfer Credit Card REPRESENTATIVE EXAMPLE

Representative APR 24.9% APR (variable)
Purchase rate p.a. 24.9% p.a.
Assumed credit limit £1,200

aqua Credit Card - 29.7% APR Representative Variable

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  • No Annual Fee
  • No Introductory Offer
  • No Balance Transfer Offer
  • Recommended by 65% of customers surveyed

Kev
Credit Analyst

Here’s a sub-prime card from Progressive Credit, which has four cards on offer. This one has the cheapest APR. The interest rate is still high compared to mainstream cards, but is right on the money for a sub-prime card, as it reflects the risk. Aqua says it is happy to take on applications from the self-employed and from those who find it difficult to prove a regular income, are working part-time or on a low income, are at a new address or not on the electoral roll, or affected by a bad credit history, including County Court Judgments (CCJs). As with all sub-prime cards, best used to rebuild your credit history and not for extended borrowing. Launched in June 2012, Aqua cards have yet to be rated for customer service in our annual Banking and Credit Card surveys.

aqua Credit Card REPRESENTATIVE EXAMPLE

29.7% APR Representative Variable
29.71% p.a. Variable On Purchases
£250-£1200 Initial Credit Limit
Your actual credit limit will vary

Marbles Credit Card - 29.7% APR Representative Variable

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  • No Annual Fee
  • No Introductory Offer
  • No Balance Transfer Offer
  • Not yet rated by our customers

Barry
Co-founder

You may remember the Marbles name from the mid-noughties - this card has been re-launched by NewDay, who provide other cards for those with some credit history issues.
The card starts with an easy-to-manage £250-£1200 credit limit - the limit is reviewed after 3 months and you could get an increase on your 4th statement. The benefits of this card are that you can find out if you'll be accepted before applying, thus avoiding any unnecessary credit searches on your credit report. The online account management is also good, allowing you to track your balance, set due date reminders and set spending alerts.

Marbles Credit Card REPRESENTATIVE EXAMPLE

29.7% APR
based on maximum credit limit of £1,200
Representative Example: If you spend £1,200 at a purchase interest rate of 29.75% (variable) your representative APR will be 29.7% APR (variable)

Aquis Visa Credit Card - 29.8% APR Representative Variable

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  • No Annual Fee
  • No Introductory Offer
  • No Balance Transfer Offer
  • Recommended by 56% of customers surveyed

Rebecca
Credit Analyst

Aquis is aimed at those with just a few issues on their credit history who want to get access to a credit card. If you’ve got a very poor credit history, the Vanquis Visa card is a better bet, but the interest rate is higher on that to reflect the risk. The Aquis card on the other hand is around 10% cheaper. No frills or introductory offers, the main purpose of an Aquis card is to help your rebuild your credit reputation. You could become eligible for a credit limit increase after your 5th statement and further increases every 5 months, up to £3,500, but this is not guaranteed. Don't depend on credit cards for longer term debt, and be aware of the need to keep all other credit commitments up-to-date if you wish to be eligible for limit increases. Payment reminders by SMS is a useful service offered by the Aquis card. Voted the winner in the Credit Today Awards as Credit Provider of the Year in 2009, 2010 and 2011, and also comes out well in our own Banking and Credit Card surveys for customer service - 56% rate its customer service as very good or excellent. On the independent consumer review website Trustpilot, Vanquis gets an outstanding 5 star rating which is a rare achievement.

Aquis Visa Credit Card REPRESENTATIVE EXAMPLE

Representative 29.8% APR (variable)
Credit is provided by Vanquis Bank Limited
Amount of credit £1000*^
Purchases 29.8% APR

Capital One Classic Platinum Credit Card - 29.8% APR Representative Variable

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  • No Annual Fee
  • No Introductory Offer
  • No Balance Transfer Offer
  • Recommended by 70% of customers surveyed

Kev
Credit Analyst

Capital One says the Classic Platinum card is aimed at people with a ‘bad credit history’, and they help you stay on top of your spending with email alerts. The limit is between £200-£1,500 and there are up to two optional credit limit increases per year, if you are eligible.

Capital One Classic Platinum Credit Card REPRESENTATIVE EXAMPLE

Assuming a credit limit of £1,200 and an interest rate on purchases of 29.84% p.a. variable, you will received a 29.8% APR representative variable

Capital One Classic Credit Card - 34.9% APR Representative Variable

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  • No Annual Fee
  • No Introductory Offer
  • No Balance Transfer Offer
  • Recommended by 70% of customers surveyed

Ben
Credit Analyst

Capital One has built its name in the UK on its sub-prime cards and now offers a very wide range of products to suit those with no credit history to others with a perfect score. It’s the Classic card that it’s best known for. The Capital One Classic Card is by far the best seller for both Capital One, and within UK sub-prime cards. In our annual Banking and Credit Card Survey 66% of those who have the card voted it as providing very good or excellent customer service. It’s important to make sure, before you apply, that you’re on the electoral roll at your current address. Capital One accepts applicants from those with CCJs and poor credit histories, but not if you’ve been insolvent in the last 12 months. Credit limits start from £200 and are low. There are no frills, the interest rate is high, so only use this card for borrowing if you really have no other choice. The main purpose of this card is to help you to re-establish your credit standing – a job that we’ve seen Capital One do well since we first started out.

Capital One Classic Credit Card REPRESENTATIVE EXAMPLE

Assuming a credit limit of £1,200 and an interest rate on purchases of 34.94% p.a. variable, you will receive a 34.9% APR representative variable.

Barclaycard Initial with 3m Purchases Credit Card - 34.9% APR Representative Variable

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  • No Annual Fee
  • Intro Offer of 0yr at 0%
  • No Balance Transfer Offer
  • Recommended by 66% of customers surveyed

Tom
Software Developer

This Barclaycard is aimed at those new to credit or looking to improve their credit rating and who are having difficulty getting credit. If you want to establish or improve your credit rating, and are happy with a smaller, manageable credit limit this card should be on your short list, as all the usual Barclaycard benefits are there including PayTag and contactless payment technology built into each card The interest rate is much higher than standard Barclaycards (but not for this type of card), which reflects the risk profile that Barclaycard Initial cardholders are expected to have. Your account will be reviewed within 12 months and your interest rate will be reduced and your line of credit may be increased if you always pay on time and stay within your credit limit. 66% of respondents to our annual survey rate Barclaycard customer service as very good or excellent.

Barclaycard Initial with 3m Purchases Credit Card REPRESENTATIVE EXAMPLE

Representative example:
Representative APR 34.9% APR (variable)
Purchase rate p.a. 34.9% p.a. (variable)
Assumed credit limit £1,200

aqua Advance Credit Card - 34.9% APR Representative Variable

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  • No Annual Fee
  • No Introductory Offer
  • No Balance Transfer Offer
  • Recommended by 62% of customers surveyed

Simon
Credit Analyst

The most expensive of the sub-prime cards on offer from Progressive Credit, but the only one that will automatically reduce the rates by 5% each year, for three years, if you keep payments up to date at all times. That provides a huge incentive to pay on time and rebuild your credit history. There are useful SMS payment reminders, and the Aqua Advance card is one of very few on the market that does not charge fees for foreign transactions – a potentially big saving for holidaymakers or when purchasing goods from abroad. Even if you have difficulty proving your income, or if you have a very poor credit history, such as CCJs on file, you may still be eligible for the Aqua Advance card. Launched in June 2012, 62% rate Aqua cards as excellent or very good for customer service in our Annual Banking and Credit Card surveys.

aqua Advance Credit Card REPRESENTATIVE EXAMPLE

Your interest rate for purchases is 34.91% p.a. (variable) With a representative 34.9% APR (variable) if you borrowed £1200 and repaid it over 12 months.
Initial credit limit £250-£1200

aqua Reward Credit Card - 34.9% APR Representative Variable

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  • No Annual Fee
  • No Introductory Offer
  • No Balance Transfer Offer
  • Recommended by 65% of customers surveyed

Richard
Marketing Director

This card not only offers consumers with a limited or poor credit history the chance to rebuild it with responsible lending, but also offers 0.5% cashback on all purchases. That may not sound much, but for a sub-prime card, it's a good offer. To put it into context, spend £1,000 a month on your card and it'll add up to £60 a year - just make sure you clear the balance each month so that you don't pay interest on it, as it's still a high 34.9%.

aqua Reward Credit Card REPRESENTATIVE EXAMPLE

Your interest rate for purchases is 34.91% p.a. (variable) with a representative 34.9% APR (variable) if you borrowed £1,200 and repaid it over 12 months.
Initial credit limit £250-£1200

Barclaycard Initial with Cashback Credit Card - 34.9% APR Representative Variable

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  • No Annual Fee
  • No Introductory Offer
  • No Balance Transfer Offer
  • Recommended by 66% of customers surveyed

Tom
Software Developer

This Barclaycard is aimed at those new to credit or looking to improve their credit rating and who are having difficulty getting credit, offering you cashback rewards for making payments on time. A £10 cashback reward is offered every 3 months for one year if payments are made on time and you stay within your credit limit. If you want to establish or improve your credit rating, and are happy with a smaller, manageable credit limit this card should be on your short list, as all the usual Barclaycard benefits are there including PayTag and contactless payment technology built into each card The interest rate is much higher than standard Barclaycards (but not for this type of card), which reflects the risk profile that Barclaycard Initial cardholders are expected to have. Your account will be reviewed within 12 months and your interest rate will be reduced and your line of credit may be increased if you always pay on time and stay within your credit limit. 66% of respondents to our annual survey rate Barclaycard customer service as very good or excellent.

Barclaycard Initial with Cashback Credit Card REPRESENTATIVE EXAMPLE

Representative APR 34.9%
Credit limit £1,200

Luma Credit Card - 35.9% APR Representative Variable

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  • No Annual Fee
  • No Introductory Offer
  • No Balance Transfer Offer
  • Not yet rated by our customers

Michael
Credit Analyst

Launched in August 2012 by MI Money, this card is administered by Capital One on its behalf. The maximum credit limit is £1,500 and there are a number of special discount-type offers from Luma, which are also available on their website to non-cardholders. The main purpose of the Luma Card is to help those with poor or no credit history to regain a credit card, which can then help rebuild a better credit record. The interest rate is high but reflects the sub-prime target market it is targeting. The high interest rate means that this is not a card to borrow with – unless you have no other option. We have yet to obtain a customer service rating from our annual surveys but encouragingly we have not had any adverse feedback to date from our customers generally.

Luma Credit Card REPRESENTATIVE EXAMPLE

If you spend £1,200 at a purchase interest rate of 35.94% p.a. (variable) your representative APR will be 35.9% APR (variable)

Luma Purchase Credit Card - 35.9% APR Representative Variable

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  • No Annual Fee
  • Intro Offer of 3m at 0%
  • No Balance Transfer Offer
  • Not yet rated by our customers

Ian
Ops Director

Luma's latest credit card allows customers up to 3 months interest free on their purchases, something rarely seen on credit building cards. With credit limits up to £1,500, customers can be accepted if they are new to credit, have some previous bad credit history or CCJs, so the card could be beneficial to someone that is looking for a short term loan to repay in a few month's time, as it'll be on an interest free basis. With the interest rates at 35.94% once the initial 3 months is over this could be an expensive way of borrowing, so we always recommend trying to pay balances back in full each month wherever possible. Additional cardholders can be added and you can manage the account online or with the app.

Luma Purchase Credit Card REPRESENTATIVE EXAMPLE

If you spend £1,200 at a purchase interest rate of 35.94% p.a. (variable) your representative APR will be 35.9% APR (variable)

Vanquis Visa Credit Card - 39.9% APR Representative Variable

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  • No Annual Fee
  • No Introductory Offer
  • No Balance Transfer Offer
  • Recommended by 60% of customers surveyed

Andrew
Quality Assurance

The main advantage of the Vanquis Card is that it enables those with very poor credit histories to get a credit card. Initial credit limits are low, from £150-£1,000. If you keep your credit record spotless - on this card and all others - you could become eligible for an increase in the credit limit after your 5th statement and further increases every 5 months, up to £3,500, though this is not guaranteed. The interest rate is high, reflecting the fact that Vanquis is a sub-prime lender and is prepared to take on more risk than others. So while the card can be used for credit that should be as a last resort. Think instead of using it to help build your credit history. There are no frills attached. Vanquis has been voted the winner in the Credit Today Awards as Credit Provider of the Year in 2009, 2010 and 2011. Our annual Banking and Credit Card Surveys show that Vanquis is pretty good at customer service too – 60% rated it as very good or excellent –and our own dealings with Vanquis over many years have shown them always to be very professional. On the independent consumer review website Trustpilot, Vanquis gets an outstanding 5 star rating which is a rare achievement. Check out their comparatively cheaper Aquis card if you only have relatively few issues on your credit history.

Vanquis Visa Credit Card REPRESENTATIVE EXAMPLE

Representative 39.9% APR (variable)
Credit is provided by Vanquis Bank Limited
Amount of credit £150-£1000*^
Purchases 39.9% APR

Argos Credit Card - 39.9% APR Representative Variable

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  • No Annual Fee
  • No Introductory Offer
  • No Balance Transfer Offer
  • Recommended by 60% of customers surveyed

Rebecca
Credit Analyst

The Argos Credit Card is issued by Vanquis and is aimed at consumers with an impaired credit history* – the high interest rate reflects the risk it is happy to take on. An initial credit limit of £150- £1,000 is allocated. You could get a credit limit increase after your 5th statement and further increases every 5 months, up to £3,500*^. To be considered for a credit limit increase, please keep all your credit agreements in order by paying on time, making use of your existing credit limit without going over your credit limit, and not taking on too much debt elsewhere. This is only a guide and meeting these criteria does not guarantee you a credit limit increase. It’s important to note that the card can be used anywhere and not just in Argos. Also regular Argos money saving vouchers are issued which are exclusive to Argos cardholders. 60% of respondents to our Annual Banking and Credit Card Survey rank the card administrator – Vanquis – as giving excellent or very good service.
^ Credit cards are not suitable for long-term borrowing or financing existing debt. Missing payments could have severe consequences and make obtaining credit more difficult.
* To build your credit rating and be considered for credit limit increases, use your card sensibly, stay within your credit limit and pay your monthly minimum payment on time. Not doing so could harm your credit rating and ability to obtain more credit. Please also keep your other accounts such as credit cards, loans, catalogues, mobile phone and mortgages in order and don't take on too much debt elsewhere. By using your credit limits and keeping your accounts in order, you demonstrate that you can manage your accounts well and can handle the monthly repayments. There are no guarantees, but if you follow these steps consistently every month, you should be on track to improving your credit history and building a strong credit rating.

Argos Credit Card REPRESENTATIVE EXAMPLE

Purchase annual interest rate 39.94% (variable)
Amount of credit £1000*^
Representative 39.9% APR (variable)
Credit is provided by Vanquis Bank Limited

aqua Start Credit Card - 49.9% APR Representative Variable

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APPLY TODAY
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  • No Annual Fee
  • No Introductory Offer
  • No Balance Transfer Offer
  • Recommended by 62% of customers surveyed

Tom L
Credit Analyst

Here’s a sub-prime card from Progressive Credit, which has three cards on offer. The APR on this one, the ‘Start’ is high compared to mainstream cards, but is competitive for a sub-prime card, as it reflects the risk. Aqua says it is happy to take on applications from the self-employed and from those who find it difficult to prove a regular income, are working part-time or on a low income, are at a new address or not on the electoral roll, or affected by a bad credit history, including County Court Judgments (CCJs). As with all sub-prime cards, best used to rebuild your credit history and not for extended borrowing. Launched in June 2012, 62% rate Aqua cards as excellent or very good for customer service in our Annual Banking and Credit Card surveys.

aqua Start Credit Card REPRESENTATIVE EXAMPLE

49.9% APR Representative Variable
49.94% p.a. Variable On Purchases
£300 Initial Credit Limit
Your actual credit limit will vary

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