| Top Picks |
 |
Best Credit Card
|
15.9% APR
0% Blance Transfer
for 15 months
0% Purchases
for 3 months
|
|
Best 0% Balance
Transfer Card
|
15.9% APR
0% Blance Transfer
for 15 months
0% Purchases
for 3 months
|
|
Best 0% Purchase
Credit Card
|
15.9% APR
4.9% Blance Transfer
until 2012
0% Purchases
for 12 months
|
|
Best Rewards
Credit Card
|
14.9% APR
3% Cashback |
|
| |
Credit Cards |
|
|
|
|
Welcome
Welcome to UK Credit Card Guide, the no nonsense, straight talking Credit Card review and comparison site.
Not all credit cards are the same. Credit Card offers vary from exclusive deals on 0% balance transfers, 0% on purchases, prepaid credit cards and some credit cards even offer cash back and other great rewards on purchases you make using your credit card.
On the left you'll find our ''Top Picks'. These are some of the most popular types of credit card offers in the UK as voted by our readers. Whatever you are searching for, we are confident we will have something suitable for your needs. Below you'll find an explanation of the jargon for tthe types of Credit Cards. See also our Credit Card Guide Articles to help you make the right choice.
>>> Select from the menu on the left how you want to compare the Credit Cards. |
What you need to know about Credit Cards
There's never been a better time to choose a credit card. There's a large range of credit cards to choose from and a number of financial incentives to encourage you to switch. These are some of the things we think you should think about when making your choice of credit card:
|
-
APR or the Annual Percentage Rate is the interest rate charge on your loan. This figure takes into account not only the interest payable over the term of the loan but also any other related charges or fees. As such it’s the best measure for comparing the cost of borrowing from one lender to another.
-
0% Balance Transfers. Balance transfer deals allow credit card holders to transfer the money they owe to their existing credit card to another credit card, usually at a special rate of interest. The new credit card company pays off the old credit card debt and transfers it to the new card.
-
Cash Back. Yes, these cards really do give you cash when you spend money using their credit cards. The cash back reward is usaully a percentage of your annual spend and the rate varies from card to card.
-
0% Purchases. These credit card offers provide you with 'free' credit. A 0% interest purchase rate credit card offer will give you free credit for an introductory period before the standard APR is applied.
-
Rewards. These cards offer a range of benefits, usually by giving points for every £1 (or multiple) spent using the card. These rewards can then be used purchase catalogue goods, or as vouchers in listed retail stores.
- Prepaid Cards. These cards are very much like prepay mobile phones or gift vouchers. You pre-load your card with a cash balance and then spend them just like a normal credit card. They are often refered to as Credit CArds without the debt! Once the cash balance has run out, you have to top them up again before you can spend.
|
Top 3 Balance Transfer Cards |
Credit Card Supplier |
APR |
Balance Transfer |
New Purchases |
Cash Back & Rewards |
More Details |
Virgin
|
Typical 15.9% (variable) |
0% PA
for 15 months (2.98% fee) |
0% PA
for 3 months |
Various group discounts |
|
MNBA Points
|
Typical 15.9% (variable) |
0% PA
until Aug 2009 (2.9% fee) |
0% PA
until Oct 2008 |
2,000 bonus points, 1 point per £1 spent |
|
|
Typical 15.9% (variable) |
0% PA
for 12 months (2.5% fee) |
0% PA
for 3 months |
3,000 bonus points
1 point per £1 spent
tripple points on Sony products |
|
|
APR |
Balance Transfer |
New Purchases |
Cash Back & Rewards |
|
HSBC Card
 |
Typical 15.9% (variable) |
0% PA
until 2012
(2% fee) |
0% PA
for 12 months |
HSBC Travel club, zero online fraud liability |
|
Natwest Classic
 |
Typical 16.9% (variable) |
0% PA
for 9 months
(2% fee) |
0% PA
for 9 months |
none |
|
Natwest Gold
|
Typical 16.9% (variable) |
0% PA
for 9 months
(2% fee) |
0% PA
for 9 months |
none |
|
Natwest Platinum
|
Typical 16.9% (variable) |
0% PA
for 9 months
(2% fee) |
0% PA
for 9 months |
none |
|
Top 3 Cashback and Rewards Cards |
|
APR |
Balance Transfer |
New Purchases |
Cash Back & Rewards |
|
American Express Platinum |
Typical 14.9% (variable) |
none |
none |
3% cashback |
|
Nectar
|
Typical 12.9% (variable) |
none |
none |
bonus 1,000 nectar points
1 point per £1spent |
|
British Airways Premium
|
Typical 15.9% (variable) |
none |
none |
6,000 bonus BA miles
2x
BA rmiles 3 months
1.5 BA miles thereafter |
|
| Credit Card Articles & Guides |
Here you will find detailed reviews of each of the credit card providers. Click on the credit card company to find out more....
|
|
|
