Credit Card Reviews

Independent reviews with up to date prices, details and special offers...

American Express

Platinum

19.9% APR

• Generous cash back every time you spend
• Bonus 5% cash back in the first 3 months
• Great selection of cardholder benefits, including purchase and refund protection
• 0% on purchases for the first six months

Rewards

17.9% APR

• Earn rewards for shopping vouchers
• £90 initial rewards bonus available
• Triple points in all major supermarkets
• 0% purchases for 6 months

Starwood Preferred Guest

32% APR

• Earn Starwood hotel & resort stays
• Redeem Starpoints for flights, or swap them for miles
• Get 10,000 bonus Starpoints if you spend £1,000 in 3 months
• Additional Starwood Preferred Guest member benefits
• Great selection of cardholder benefits, including purchase and refund protection

British Airways

19.9% APR

• Generous BA Miles travel rewards
• Free companion ticket if you spend more than £20,000
• Great selection of cardholder benefits, including purchase and refund protection

British Airways Premium Plus

46% APR

• Generous BA Miles travel rewards
• 18,000 bonus BA Miles available
• Great selection of cardholder benefits, including purchase and refund protection

aqua

aqua

35.9% APR

• Rebuild & stregthen a poor credit history
• Suitable for those with previous CCJs, low incomes, not on the electoral roll
• MasterCard with a credit limit up to £2,200
• Issued by the Bank of Scotland

Bank of Scotland

All in One

15.9% APR

• 0% for 10 months on balance transfers (3% fee)
• 0% for 10 months on purchases
• Zero liability for fraud on the Internet

Barclaycard

Gold

19.9% APR

• Great 0% on balance transfers until September 2011 (2.5% fee)
• Suitable if you need to strengthen your credit score
• Really excellent purchase and fraud securities
• Travel service and shopping discounts

Initial

29.9% APR

• Rebuild and strengthen a poor or no credit history
• Access Barclaycard Freedom reward scheme
• Free purchase delivery insurance and Identity theft protection
• Enjoy discounts at Thomas Cook and offers on travel insurance

Platinum with Balance Transfer

16.9% APR

• Great 0% on balance transfers for 16 months (2.9% fee)
• Really excellent purchase and fraud securities
• Travel service and shopping discounts

Simplicity

6.8% APR

• Very low interest rate on purchases & balance transfers
• Really excellent purchase and fraud securities
• Travel service and shopping discounts
• Cash back from Barclaycard freedom

Capital One

Classic

34.9% APR

• Rebuild and strengthen your credit score
• Instant decision on your online application
• Monthly interest free period for purchases

Progress

29.9% APR

• Interest rates shrinks to 17.9% p.a. (variable) over 36 months
• Credit limit up to £2,500
• Identity protection with Equifax credit monitoring

World MasterCard

19.9% APR

• 1% cash back on all spending - no limits
• Free purchase protection & fraud security
• Free credit monitoring from Equifax

Egg

Egg

17.9% APR

• Lengthy 0% balance transfer until November 2011 (3% fee)
• 0% purchases until December 2010 too
• New Egg Cash Back Store with over 1,500 online retailers

Halifax

All in One

15.9% APR

• 0% for 10 months on balance transfers (3% fee)
• 0% for 10 months on purchases
• Zero liability on Internet fraud

HSBC

(Existing Customers Only)

16.9% APR

• Exclusively available to HSBC current account customers
• 0% for 15 months on balance transfers (2.9% fee)
• 5 levels of protection against fraud

Lloyds TSB

Airmiles Duo

15.9% APR

• Up to 1 Airmile for every £10 you spend
• Double Airmiles abroad & additional Airmiles on the high street
• 1,500 bonus Airmiles - enough for 2 free flights!

Platinum

15.9% APR

• 0% for 12 months on balance transfers (3% fee and £100 min purchase spend required)
• 0% for 3 months on purchases
• Fraud guarantee and active fraud monitoring
• Overseas emergency card replacement service

MBNA

bmi

16.9% APR

• Earn destination miles on all your spending
• 20,000 bonus destination miles available
• Double miles when you fly with bmi

BT

16.9% APR

• Earn money off your BT phone bill
• 1p rebate for every £1.50 you spend
• 0% balance transfer for 13 months (3% fee)
• 0% purchases for 3 months

BT Retail

16.9% APR

• Earn money off your BT phone bill
• 1p rebate for every £2 spent up to £250, then 1p for every £1 (up to £75 rebate a year)
• 0% on supermarket & petrol for 10 months
• 0% balance transfers for 6 months (2% fee)

Platinum Plus

16.9% APR

• 0% for 13 months on balance transfers (2.9% fee)
• 0% for 13 months on money transfers (4% fee)
• 0% for 3 months on purchases

Platinum Rewards Visa

16.9% APR

• 0% on purchases costing more than £100 for 12 months
• 0% on purchases costing £100 and under for 6 months
• Collect MBNA Reward points on all your purchases: 1 point for each £1
• Access MBNA TravelPlus booking service, with discounts & offers

Platinum Visa

16.9% APR

• Low rate for life on balance transfers
• Just a 2% transfer handling fee
• Includes money transfers to a current account too

Miles & More American Express

16.9% APR

• Earn Miles & More award miles on all your purchases
• Redeem miles for Lufthansa & partner flights
• 1500 bonus award miles with your first card purchase
• No expiry date on award miles if you use your card every month

Play.com

16.9% APR

• Earn PlayPoints for Play.com gift vouchers
• Get 1,500 bonus PlayPoints worth a £15 Play.com gift voucher
• 0% on all purchases for the first 9 months
• 0% on balance transfers for 6 months (1.5% fee)

Nationwide

Gold

16.9% APR

• Commission free use abroad: 0% in Europe and 1% outside of Europe
• Positive payment hierachy - pay off your most expensive balances first
• 0% on balance transfers for 15 months (3% fee)
• 0% on purchases for 3 months
• Free purchase protection insurance and extended warranties

Natwest

Classic (Existing Customers Only)

19.9% APR

• Exclusive online offer for Natwest current account customers
• 4.9% purchases for 9 months
• Natwest Travel Service & Wine Club
• Instant online decision

Platinum

16.9% APR

• Now re-open to all new applicants - you no longer need to be a Natwest current account customer to qualify
• 0% balance transfers for 16 months (2.9% fee)
• 0% purchases for 3 months
• Natwest Travel Service & Wine Club

Student

18.9% APR

• Available to Natwest student account customers
• Start building your credit history
• Sensible credit limit to help you stay in control
• Shopping discounts & offers

Post Office

Post Office

16.9% APR

• 0% for 12 months on balance transfers (2.98% fee)
• 0% for 5 months on balance transfers again in 2011 & 2012
• Unique pre-arranged 2-in-1 loan payment plan
• 0% use abroad anywhere in the world
• 0% on foreign currency bought from the Post Office

RBS

Classic (Existing Customers Only)

19.9% APR

• Exclusive online offer for RBS current account customers
• Low 4.9% on purchases for 9 months
• Select retailer shopping discounts
• RBS Travel Service & Wine Club

Platinum

16.9% APR

• New: now available to all new applicants - you no longer need to be a RBS current account customer to qualify
• 0% balance transfers for 16 months (2.9% fee)
• 0% purchases for 3 months
• Discounts on travel, shopping & wine

Student

18.9% APR

• Available to RBS student account customers
• Start building your credit history
• Sensible credit limit to help you stay in control
• Shopping discounts & offers

Sainsburys Bank

Sainsburys

15.9% APR

• 0% for 12 months on Sainsburys shopping
• 0% on balance transfers for 10 months (3% fee)
• 0% on purchases for 10 months

Sainsburys for Nectar Cardholders

15.9% APR

• 0% on all purchases for 12 months
• 0% on balance transfers for 12 months (3% fee)
• Exclusive deal for Nectar cardholders

Sainsburys Nectar

12.9% APR

• Double Nectar points at Sainsburys for 2 years
• Earn Nectar points on all other purchases too
• Low standard interest rate - just 12.9% APR typical

Tesco Bank

Tesco Clubcard

16.9% APR

• Collect Clubcard points on all your spending
• Market leading 13-month 0% on all purchases
• Exclusive Buy Now, Pay Later deal at Tesco Direct
• 0% balance transfers for 9 months (2.9% fee)

The AA

The AA

18.9% APR

• AA Rewards for motoring
• 0% on all purchases for 12 months
• 0% balance transfers for 9 months (3% fee) and 0% money transfers too (4% fee)

Vanquis Bank

Vanquis Visa

39.9% APR

• Rebuild and strengthen your credit score
• Instant decision on your online application
• Suitable for past bad credit problems or no credit history

Virgin Money

Virgin

18.9% APR

• 0% on purchases for 12 months
• 0% on balance transfers for 12 months (2.98% fee)
• 0% on money transfers for 12 months (4% fee)
• Exclusive Virgin discounts & free purchase protection insurance

Virgin Atlantic Black

31.7% APR

• Earn up to 4 Flying Club miles with every £1 spent
• 6,000 bonus Flying Club miles
• Complimentary companion flights and flight upgrades
• Useful travel insurance policies

Virgin Atlantic White

17.9% APR

• Great travel reward scheme with no annual fee!
• Complimentary companion flights and flight upgrades
• Useful travel insurance policies

Virgin Money

16.6% APR

• Jaw-dropping 14 month 0% balance transfer deal
  (2.98% transfer fee)
• Exclusive discounts at Virgin retailers (and others)
• 0% on purchases for the first 3 months
• MBNA fraud protection and free purchase protection