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Credit Cards
credit cards

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
virgin money credit card
0%
for 20 months
2.99% fee
0%
for 3 months
Virgin discounts
Includes transfers to a current account
(4% fee)
Go to provider website for more
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
mbna credit card
0%
for 20 months
2.99% fee
0%
for 3 months
None
Includes transfers to a current account
(4% fee)
Go to provider website for more
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
halifax all in one credit card
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.
Go to provider website for more
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
american express platinum credit card
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
- Go to provider website for more
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
santander 123 cashback credit card
0%
for 1 months
5% fee
0%
for 1 months
Cash back
1% supermarkets, 2% department stores, 3% petrol (up to £300 petrol spend)
- Go to provider website for more
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 cards

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 balance transfer credit cards

Current longest deals, saving money, making the move, paying off non-credit card debt and more. Read more »

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?
Julia Kukiewicz

A quotation search shows consumers how much lending will cost without a credit search. Why don't more lenders use them?

Read Julia's full comment »

25 January 2012 | News
Why are we paying interest on '0%' deals?
Julia Kukiewicz

Cardholders will be looking for 0% balance transfer deals to replace lapsed interest free periods, say Sainsbury's.

Read Julia's full comment »

Find more in the credit cards guide »

Related tags:   Consumer Rights   Rewards   Balance Transfer   Purchases   Debt   0% Interest  



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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