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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

NatWest Clear Rate Platinum Credit Card - 6.9% 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

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 9.9% 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

RBS Clear Rate Platinum Card - 6.9% APR Representative Variable

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  • Annual Fee of £24
  • No Introductory Offer
  • Balance Transfers at 6.9% for (no fee)
  • Not yet rated by our customers

Andrew
Quality Assurance

This card is great if you are looking for an easy to understand credit card with no special offers but an all-round low rate. There is an annual fee of £24 attached to this card and if you are unsure you can use RBS' credit card calculator to see if using this card in particular could save you money in comparison to existing lenders. The APR you’ll receive will depend on your circumstances and you may receive higher than the standard purchase and balance transfer rate of 6.9% p.a. (variable) upon application. For some customers, the purchase and balance transfer rates will be either 9.9% p.a. (variable) or 14.9% p.a. (variable).

RBS Clear Rate Platinum Card REPRESENTATIVE EXAMPLE

6.9% p.a. (variable) on balance transfer and purchases 11.1% APR representative Annual fee £24

Lloyds Bank Advance Card - 11.95% APR Representative Variable

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  • No Annual Fee
  • Intro Offer of 6m at 0%
  • Balance Transfers at 4.9% for 1yr (3% fee)
  • Not yet rated by our customers

Michael
Credit Analyst

Lloyds Bank bill this card as "your perfect shopping partner", as the introductory purchase rate is 0% for six months and then a lower than average 11.95% afterwards. This makes the card very geared towards those looking to buy on this card and continue to take advantage of Lloyds' lowest available APR, but it does also include an introductory balance transfer offer of 4.9% for 12 months. This card is only available to new Lloyds Bank credit card customers so is not suitable for any existing customers.

Lloyds Bank Advance Card REPRESENTATIVE EXAMPLE

Representative APR: 11.9%
Purchase Rate: 11.95%
Based on Borrowing: £1,200
Credit limits will vary based on your individual circumstances

AA Rewards Credit Card for AA Members - 16.9% APR Representative Variable

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  • No Annual Fee
  • Intro Offer of 10m at 0%
  • Balance Transfers at 0% for 1yr (3% fee)
  • Recommended by 67% of customers surveyed

Kelly
Credit Analyst

Being in my mid 20's sometimes obtaining credit can be a little haphazard despite my good payment history, but this card was the top choice on my own account - so I applied and now it’s my most used card. It seems I'm not alone in my regard for this card, as 67% of our customers agree with me too. The application was really quick and simple, the online account management is clear and concise, and setting up a direct debit for my minimum monthly repayment was a breeze. With a sizeable credit limit of £1,200 it more than covers my monthly essentials, and for the first 10 months I got 0% on all card purchases. I'm yet to find somewhere I can't use the card, and I get double points when buying fuel. The points system works as 'a point per pound you spend', and the rewards range from car products and AA road cover, to spa days and wine hampers - all in all something for everyone.

AA Rewards Credit Card for AA Members REPRESENTATIVE EXAMPLE

If you spend £1,200 at a purchase interest rate of 16.9% (variable) your Representative APR will be 16.9% (variable).

AA Rewards Credit Card for AA Non-Members - 16.9% APR Representative Variable

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  • No Annual Fee
  • Intro Offer of 10m at 0%
  • Balance Transfers at 0% for 1yr (3% fee)
  • Recommended by 67% of customers surveyed

Kelly
Credit Analyst

Being in my mid 20's sometimes obtaining credit can be a little haphazard despite my good payment history, but this card was the top choice on my own account - so I applied and now it’s my most used card. It seems I'm not alone in my regard for this card, as 67% of our customers agree with me too. The application was really quick and simple, the online account management is clear and concise, and setting up a direct debit for my minimum monthly repayment was a breeze. With a sizeable credit limit of £1,200 it more than covers my monthly essentials, and for the first 10 months I got 0% on all card purchases. I'm yet to find somewhere I can't use the card, and I get double points when buying fuel. The points system works as 'a point per pound you spend', and the rewards range from car products and AA road cover, to spa days and wine hampers - all in all something for everyone.

AA Rewards Credit Card for AA Non-Members REPRESENTATIVE EXAMPLE

If you spend £1,200 at a purchase interest rate of 16.9% (variable) your Representative APR will be 16.9% (variable).

M&S 15m Purchases 12m Balance Transfer Card - 16.9% APR Representative Variable

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  • No Annual Fee
  • Intro Offer of 15m at 0%
  • Balance Transfers at 0% for 1yr (2.9% fee)
  • Not yet rated by our customers

Ian
Ops Director

The Marks & Spencer 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 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 15m Purchases 12m Balance Transfer Card REPRESENTATIVE EXAMPLE

16.9% APR variable
Based on credit limit of £1200

Post Office 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)
  • Recommended by 56% of customers surveyed

Neil
Credit Analyst

I’m a great fan of this often overlooked card. When I applied for it, it arrived within just a couple of days; it’s by far the fastest-issued card I have ever known. When used to buy things from abroad, or on holiday, there’s no extra fee charged – the Post Office Credit Card is one of very few that doesn’t levy extra fees. Statements are crystal clear, it’s easy to manage online and the rate is competitive. You can make payments in a local Post Office too. I’ve never once had a problem with using it, as can happen with other cards that seem to be always making security checks or ringing me to ask me to confirm the last transactions made. There’s free 90 day purchase protection too. It’s hard to find fault with this card – 56% of our customers rate its customer service levels as very good or excellent - and I agree.

Post Office Credit Card REPRESENTATIVE EXAMPLE

17.8% p.a. variable on card purchases. This is equivalent to 17.8% APR representative (variable) based on a credit limit of £1,200. Credit limit subject to status.

Halifax All In One - 17.9% APR Representative Variable

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  • No Annual Fee
  • Intro Offer of 15m at 0%
  • Balance Transfers at 0% for 15m (0.8% fee)
  • Recommended by 57% of customers surveyed

Ian
Ops Director

The Halifax All in One card comes in a choice of five colours but by far the most attractive feature is its market leading 0% on purchases offer of 15 months – which is made available alongside a 0% balance transfer offer for the same period. This means you don’t have to worry about how you use the card for the first 15 months – any balances transferred over (which must be done in the first 90 days and attract a 3% fee,discounted down by way of refund to 0.8%) and any purchases won’t attract interest.

Halifax All In One REPRESENTATIVE EXAMPLE

Representative APR: 17.90%
Purchase Rate: 17.95%
Based on Borrowing: £1,200
If you are accepted at the highest rate of 23.9% APR variable you may not be offered an introductory period on balance transfers and purchases.

BoS Platinum Balance Transfer - 17.9% APR Representative Variable

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  • No Annual Fee
  • Intro Offer of 3m at 0%
  • Balance Transfers at 0% for 2yrs (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 24 months at 0%. The transfer fee is 3% but with a refund of 1.5% the fee is very competitive. The card gives 3 months on purchases from the opening of the account, meaning that this card is primarily targeting those looking for a long balance transfer, rather than those looking for a long period of 0% on purchases. With a typical starting credit limit of £1,200 and a representative APR of 17.9% this card is targeting the mainstream market and those with a good credit score.

BoS Platinum Balance Transfer REPRESENTATIVE EXAMPLE

Representative APR: 17.90%
Purchase Rate: 17.95%
Based on Borrowing: £1,200
Annual Fee: None

Bank of Scotland Platinum Purchase Card - 17.9% APR Representative Variable

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  • No Annual Fee
  • Intro Offer of 13m at 0%
  • Balance Transfers at 0% for 13m (1% fee)
  • Recommended by 58% of customers surveyed

Ian
Ops Director

A partial refund on your balance transfer fee makes this card an attractive option for those looking to move a balance to another 0% deal. A 3% balance transfer fee is part refunded so that only 1% is paid for each transfer that takes place and with 13 months to pay the balance interest free it gives plenty of extra time to spread the cost. Therefore if you are confident that you can pay balance off within the 13 months this card may be for you. There is also 0% on purchases for the 13 month duration and with a £1,200 typical initial credit limit this card is targeted at the mainstream market and those with a reasonable to good credit score.

Bank of Scotland Platinum Purchase Card REPRESENTATIVE EXAMPLE

Representative APR: 17.90%
Purchase Rate: 17.95%
Based on Borrowing: £1,200
Annual Fee: None

Bank of Scotland 15m balance transfer card - 17.95% APR Representative Variable

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  • No Annual Fee
  • Intro Offer of 6m at 0%
  • Balance Transfers at 0% for 15m (0.7% fee)
  • Recommended by 58% of customers surveyed

Tom L
Credit Analyst

The most attractive part of this credit card offering is the very low 0.7% balance transfer fee for the first 90 days, which gives customers the opportunity to transfer very cheaply in comparison to many other cards. The card offers 15 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.

Bank of Scotland 15m balance transfer card REPRESENTATIVE EXAMPLE

Representative APR: 17.90%
Purchase Rate: 17.95%
Based on Borrowing: £1,200
Annual Fee: None

Lloyds Bank Platinum 24m BT card - 17.95% APR Representative Variable

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  • No Annual Fee
  • Intro Offer of 3m at 0%
  • Balance Transfers at 0% for 2yrs (1.5% fee)
  • Not yet rated by our customers

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 2 years 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 3 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 24m BT card REPRESENTATIVE EXAMPLE

Representative example: A purchase rate of 17.95% p.a. (variable) With a representative 17.9% APR (variable) With an example credit limit of £1200
Offer varies from customer to customer, depending on their circumstances.

Lloyds Bank Platinum Purchase Card - 17.95% APR Representative Variable

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  • No Annual Fee
  • Intro Offer of 13m at 0%
  • Balance Transfers at 0% for 13m (1% fee)
  • Not yet rated by our customers

Paul
Credit Analyst

If you are looking for an all-round card that is good for both balance transfers and purchases, in a similar vein to Halifax's All in One card, this card may be for you. The balance transfer fee of only 1% is also very competitive, allowing customers to use a card which is easy to manage (as is not having to try to remember when each of the introductory periods expire).

Lloyds Bank Platinum Purchase Card REPRESENTATIVE EXAMPLE

Representative example: A purchase rate of 17.95% p.a. (variable) With a representative 17.9% APR (variable) With an example credit limit of £1200

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% 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 32 month Balance Transfer - 18.9% APR Representative Variable

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  • No Annual Fee
  • Intro Offer of 6m at 0%
  • Balance Transfers at 0% for 32m (2.68% 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 32 month 0% balance transfer card could save you serious money. Every penny you pay to Barclaycard in the first 32 months – other than the fee of 2.68% – will be in repayment of your debt, instead of paying interest. The card technology, as Ali says, are market leading, and robust fraud protection is a given with all Barclaycards.

Barclaycard Platinum 32 month Balance Transfer 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 33m Platinum BT - 18.9% APR Representative Variable

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  • No Annual Fee
  • Intro Offer of 6m at 0%
  • Balance Transfers at 0% for 33m (2.99% fee)
  • Recommended by 66% of customers surveyed

Ali
Senior Developer

I’ve been with Barclaycard since 1988 and am very happy with them. This Platinum card stroked my ego a bit and the length of the 0% free balance transfer offer is the very best on the market. Their online banking site – mybarclaycard - is quite good, I think, and is available both online and on mobile. Tech is good too on Barclaycards – it support both contactless payments and PayTag. They’re particularly hot on monitoring for fraud too.

Barclaycard 33m Platinum BT REPRESENTATIVE EXAMPLE

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

Barclaycard 14m Purchase 19m 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 19m (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 61% of our customers and it’s easy to see why.

Barclaycard 14m Purchase 19m 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

Barclaycard Freedom - 18.9% APR Representative Variable

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  • No Annual Fee
  • No Introductory Offer
  • Balance Transfers at 0% for 9m (2.9% fee)
  • Recommended by 61% of customers surveyed

Kirstie
Credit Analyst

If it's a card that gives you rewards that you are looking for, then this could be the one for you. Get an amazing 10,500 Freedom bonus points worth £30 when you spend £500 or more in the first three months of account opening, and then earn points wherever you shop, with double Freedom points on your UK supermarket, petrol station and all Transport for London (TfL) spend, plus triple points at selected Freedom partners - BHS, Bella Italia, Café Rouge, Goldsmiths and Strada (terms and conditions apply). This is a Visa card, which is more widely accepted than American Express, so the points could really stack up quickly.

Barclaycard Freedom REPRESENTATIVE EXAMPLE

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

Halifax 30/6 Card - 18.9% APR Representative Variable

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  • No Annual Fee
  • Intro Offer of 6m at 0%
  • Balance Transfers at 0% for 30m (3% fee)
  • Recommended by 57% of customers surveyed

Neil
Credit Analyst

You won’t know what you get with this card, or the interest rate you’ll pay, until you actually get the card, as Halifax ‘rates for risk’ and therefore varies both the features of the card, and the interest rate that applies to you, after its own assessment of your credit rating. The best deal – which applies to at least 51% of applicants is the 30/6 offer at 18.9%. This means you’ll have an offer of a 0% balance transfer for a 30 month term and 0% on purchases for a 6 month term. Or you might get a 30/6 offer at 21.9%, or an 27/6 offer at 21.9%, or a 24/6 offer at 25.9%. 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 30/6 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

Barclaycard 25 Month Balance Transfer - 18.9% APR Representative Variable

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  • No Annual Fee
  • Intro Offer of 6m at 0%
  • Balance Transfers at 0% for 25m (1.5% fee)
  • Recommended by 61% of customers surveyed

Sam
International Development Officer

This card is ideal if you are looking to transfer a balance from another card provider and feel that you might need a bit more time to pay it off before the interest free period comes to an end. The reduction in the balance transfer fee from 2% to 1.5% is an added bonus. As with all Barclaycards the technology behind them is unrivalled – contactless payment capability, paperless statements, online account management are all standard.

Barclaycard 25 Month Balance Transfer REPRESENTATIVE EXAMPLE

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

Halifax 32m 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 32m (3% fee)
  • Recommended by 57% of customers surveyed

Michael
Credit Analyst

Hot on the heels of the Barclays 31m 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 32 months. For a 3% fee (0.3% refunded, so overall effective 2.7% fee is payable) 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 32/6 offer at 18.9%. This means you’ll have an offer of a 0% balance transfer for a 32 month term and 0% on purchases for a 6 month term. Or you might get a 32 or 29 months offer at 21.9%, or a 26/6 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 32m Balance Transfer Card REPRESENTATIVE EXAMPLE

Representative example: A purchase rate of 18.95% p.a. (variable) With a representative 18.9% APR (variable)
3% fee, 0.3% refunded, so overall effective 2.7% fee is payable
With an example credit limit of £1200
APR and Promotional periods may vary depending on your personal circumstances

Lloyds Bank Platinum 10m BT card - 18.94% APR Representative Variable

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  • No Annual Fee
  • Intro Offer of 10m at 0%
  • Balance Transfers at 0% for 10m (0.4% 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 0.4% fee, which when used on an existing balance can be a significant saving on some of the higher fee cards. This Lloyds card is one of the low fee balance transfer cards competing in this arena, with an attractive 0% for 10 months on transfers, as well as 10 months interest free on purchases. Borrowers also benefit from Lloyds Bank ClickSafe, which provides free protection when purchasing online.

Lloyds Bank Platinum 10m BT 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 32m Balance Transfer card - 18.94% APR Representative Variable

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  • No Annual Fee
  • Intro Offer of 6m at 0%
  • Balance Transfers at 0% for 32m (2.8% fee)
  • Not yet rated by our customers

Rebecca
Credit Analyst

Lloyds currently have their longest balance transfer card at a 3.5% transfer fee but with a partial refund, so that only 2.8% is payable. 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 32m 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 18m Balance Transfer Card - 18.94% APR Representative Variable

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  • No Annual Fee
  • Intro Offer of 16m at 0%
  • Balance Transfers at 0% for 18m (2% fee)
  • Not yet rated by our customers

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 2% transfer fee is also fairly 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 18 months on balances transferred at 0% and 16 months 0% on purchases.

Lloyds Bank Platinum 18m 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

Halifax 24m Balance Transfer card - 18.95% APR Representative Variable

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  • No Annual Fee
  • Intro Offer of 3m at 0%
  • Balance Transfers at 0% for 2yrs (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 24m balance transfer and 3 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 is good value compared with many other credit cards in its field.

Halifax 24m 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

Bank of Scotland 28m Balance Transfer card - 19.5% APR Representative Variable

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  • No Annual Fee
  • Intro Offer of 6m at 0%
  • Balance Transfers at 0% for 28m (2.5% fee)
  • Recommended by 58% of customers surveyed

Ian
Ops Director

Bank of Scotland's Platinum 28m balance transfer card is a great option for those looking for an extensive 0% period. The 2.5% fee is not as low as some of Bank of Scotland's other credit cards but this is based on the longer interest free period, which they know will appear to a lot of customers. The interest rate once the 0% period is over does vary, so it is worth checking this before applying.

Bank of Scotland 28m Balance Transfer card REPRESENTATIVE EXAMPLE

Representative APR: 17.90%
Purchase Rate: 17.95%
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 at, 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.

Amex Platinum Cashback Everyday REPRESENTATIVE EXAMPLE

Barclaycard 6m BT with no fee card - 19.9% APR Representative Variable

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

Kelly
Marketing Executive

This card is ideal if you are looking for a short term balance transfer period that you could pay off within 6 months. With no balance transfer fee it is a great option for this. If the balance is not paid within the 6 months 19.9% APR is then applicable and there is no 0% purchase period so it has been set up primarily as a balance transfer card.

Barclaycard 6m BT with no fee card REPRESENTATIVE EXAMPLE

Representative example:
Representative APR 19.9% APR (variable)
Purchase rate p.a. 19.9% p.a. (variable)
Assumed credit limit £1,200

Lloyds Bank Choice Rewards Credit Card - 22.7% APR Representative Variable

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  • Annual Fee of £24
  • Intro Offer of 13m at 0%
  • Balance Transfers at 0% for 13m (3% fee)
  • Not yet rated by our customers

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 13 month 0% on both purchases and 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: 22.7%
Purchase Rate: 17.95%
Based on Borrowing: £1,200
Annual fee of £24 Credit limits will vary based on your individual circumstances

Barclaycard 18 Month Platinum BT Credit Card - 27.9% 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 the largest credit card provider in the world there are many Barclaycard options available. 0% on balance transfers gives customers the chance to repay their outstanding balance within 18 months without paying any interest, as well as receiving 0% on purchases for 3 months. Once the 0% period is over the APR rate of 27.9% isn't the lowest available but if you are looking to take advantage of the balance transfer offer this card is a good option.

Barclaycard 18 Month Platinum BT Credit Card REPRESENTATIVE EXAMPLE

Representative APR 27.9% APR (variable)
Purchase rate p.a. 27.9% 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
£1200 Credit Limit
Your actual credit limit will vary

Aquis Visa Card - 29.8% 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

Another ‘sub-prime’ card from the Vanquis stable, Aquis is aimed at those with just a few issues on their credit history to regain 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 get a credit limit increase on your 4th statement, and further increases every 4 months up to £3,000. 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.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. The payment reminders by SMS is a useful service offered by this card.

Aquis Visa 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 - 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 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 - 34.9% APR Representative Variable

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  • No Annual Fee
  • Intro Offer of 3m 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 with poor credit ratings 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 usual (but not for this type of card), which reflects the risk profile that Barclaycard Initial cardholders are expected to have. This card does offer 0% on purchases for 3 months.

Barclaycard Initial 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 - 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

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 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

aqua Reward Card - 34.9% APR Representative Variable

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

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 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.

Capital One Classic Extra - 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

Kev
Credit Analyst

The ‘extra’ bits are worth having. Firstly there’s 0.5% cashback, plus you get a £10 annual bonus if you always pay on time. Neither of these features are available on the best-selling Capital One Classic Card. In all other respects, this is the same card – it’s just aimed at a less risky part of the market. Capital One says the Classic card is aimed at people with a ‘bad credit history’, and the Classic Extra card is aimed at people with an ‘average to good credit history’, though it also says that it will accept applications from those who have had CCJs in the past, but not in the past 12 months. One thing to watch out for is that you must be on the Electoral Roll at your current address to get one of these cards.

Capital One Classic Extra 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.

Ocean Finance Card - 34.9% APR Representative Variable

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

Tom
Software Developer

Ocean try to make the application as simple as possible for this credit card, which is part of a growing 'sub prime' sector for those trying to rebuild their credit rating. The card is easy to use, with online access available and the ability to add up to three extra cardholders to the account. The credit limit offered can be between £200-£1500 and if you have any queries about your account Ocean pride themselves on their customer service.

Ocean Finance Card REPRESENTATIVE EXAMPLE

34.9% APR representative
credit limit up to £1500
Issued by Capital One (Europe) plc

Luma 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 Card REPRESENTATIVE EXAMPLE

35.9% APR Representative Variable
35.9% p.a. Variable On Purchases
£1200 Credit Limit

Vanquis Visa - 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. You could get a credit limit increase on your 4th statement, and further increases every 4 months up to £3,000. 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. The interest rate is high, reflecting the fact that Vanquis is a sub-prime lender and takes more risk than others. So while the card can be used for credit that should be as a last resort. There are no frills attached. This card is all about giving you the chance to re-establish your credit history. 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 – 56% rated it as very good or excellent –and our own dealings with Vanquis over many years have shown them always to be very professional. Check out their comparatively cheaper Aquis card if you only have relatively few issues on your credit history.

Vanquis Visa REPRESENTATIVE EXAMPLE

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

aqua Classic Card - 39.9% APR Representative Variable

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  • No Annual Fee
  • No Introductory Offer
  • No Balance Transfer Offer
  • Recommended by 65% 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 ‘Classic’ 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 Classic Card REPRESENTATIVE EXAMPLE

39.9% APR Representative Variable
39.94% p.a. Variable On Purchases
£1200 Credit Limit
Your actual credit limit will vary

Argos Credit Card - 39.9% APR Representative Variable

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

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 on your 4th statement, and further increases every 4 months up to £3,000. 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. 56% of respondents to our Annual Banking and Credit Card Survey rank the card administrator – Vanquis – as giving excellent or very good service.

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

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