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Credit Cards - comparison and comprehensive guide
Covering 0% balance transfers, 0% purchases, cash back, air miles, rewards and credit building.
Credit Card Types:
About this table and the listed products:
We've picked out 5 of the market's current credit card deals in this table, but you can choose between all of the comparison options above to see more cards by different types of offers.
See below for a full guide to credit cards, covering consumer guides, common questions and news.
| Balance Transfer Offer | Purchase Intro Offer | Rewards | Additional Information |
||
|---|---|---|---|---|---|
Virgin Money |
0% for 20 months 2.99% fee
|
0% for 3 months |
Virgin discounts | Includes transfers to a current account (4% fee) |
 More details |
| Representative Example: 16.8% p.a. variable on purchases. This is equivalent to 16.8% APR representative variable based on a credit limit of £1,200. Virgin Money Personal Financial Service Limited. Registered Office: Discovery House, Whiting Road, Norwich NR4 6EJ. | |||||
MBNA |
0% for 20 months 2.99% fee
|
0% for 3 months |
None | Includes transfers to a current account (4% fee) |
More details |
| Representative Example: 16.9% p.a. variable on purchases. This is equivalent to 16.9% APR representative variable based on a credit limit of £1,200. MBNA Europe Bank Limited. Registered Office: Stansfield House, Chester Business Park, Chester CH4 9QQ. Registered No. 2783251. | |||||
Halifax All in One |
0% for 15 months 3% fee
|
0% for 15 months |
Halifax Offers: discounts on travel, entertainment & shopping | The APR and length of the promotional offer are dependent on your personal circumstances. |
More details |
| Representative Example: 17.95% p.a. variable on purchases. This is equivalent to 17.9% APR representative variable based on a credit limit of £1,200. Halifax is a division of Bank of Scotland plc. Registered Office: The Mound, Edinburgh EH1 1YZ. | |||||
American Express Platinum |
Not offered | Not offered | Cash back 5% for 3 months (up to £100 cash back), then 1.25% unlimited on all purchases, plus a yearly bonus offer |
- | More details |
| Representative Example: 14% p.a. variable on purchases. This is equivalent to 18.5% APR representative variable based on a credit limit of £1,200 and including a £25 annual fee. American Express Services Europe Limited. Registered Office: Belgrave House, 76 Buckingham Palace Road, London, SW1W 9AX, United Kingdom. | |||||
Santander 123 Cashback |
0% for 1 months 5% fee
|
0% for 1 months |
Cash back 1% supermarkets, 2% department stores, 3% petrol (up to £300 petrol spend) |
- | More details |
| Representative Example: 18.9% p.a. variable on purchases. This is equivalent to 22.8% APR representative variable based on a credit limit of £1,200 and including a £24 annual fee. Santander Cards Limited. Registered Office: 2 Triton Square, Regent's Place, London NW1 3AN, United Kingdom. | |||||
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Go to the full credit cards guide
Credit card guide
Get started...
These guides cover the main types of credit card deal. We look at how the offers and terms work, how to use them to best advantage, comparing deals and which type of products are likely to be of most benefit. There's more in the guide, but the following features cover balance transfers, promotional purchases, cash back and credit building.
Guide to 0% purchase credit cards
Our full guide to 0% purchase credit cards shows the longest offers and contains more information about how these offers work. Read more »
Guide to cash back credit cards
Cash back credit cards offer a percentage back on day to day essentials. But do they offer more than other reward schemes? Read more »
How to build credit with credit cards
We look at how credit cards can help to build and rebuild a credit profile in this guide. Read more »
News & commentary
Keep up with recent announcements and product updates and follow our commentary of market and industry changes.
25 January 2012 | Commentary
Why don't more lenders offer quotation searches?
A quotation search shows consumers how much lending will cost without a credit search. Why don't more lenders use them?
25 January 2012 | News
Why are we paying interest on '0%' deals?
Cardholders will be looking for 0% balance transfer deals to replace lapsed interest free periods, say Sainsbury's.
Find more in the credit cards guide »
Related tags: Consumer Rights Rewards Balance Transfer Purchases Debt 0% Interest
More latest credit card news »
Common questions, consumer rights and market research
These guides offer a closer look into various factors that affect consumers using credit cards, such as section 75 and chargeback schemes, specialist features such as money transfers, preventing fraud and common queries on terms. See the full guide for more.
19 April 2012 | Guides
A guide to risk-based re-pricing
We look at whether rate jacking consumers is fair.
4 April 2012 | Guides
Beware credit card 'reward' sites
Are the wave of money off sites really saving consumers money?
29 March 2012 | Guides
Chargeback: is your debit card covered?
Feeling hard done by? We look at how Visa, Mastercard and Amex protect their cardholders.
19 March 2012 | FAQs
Are prepaid cards safe enough?
Prepaid cards aren't protected under the Financial Services Compensation Scheme (FSCS) - are they safe?
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