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Insurance & Finance Comparison from The Independent

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Credit Cards > Top Cards

Compare 0% Credit Cards, Balance Transfer Cards, Travel Cards, Business Cards, Sport Cards, Reward Cards and Platinum Cards.

Card	Provider	0% Balance Transfer	0% Purchases	APR	Benefits
Card	Provider	0% Balance Transfer	0% Purchases	APR	Benefits	More info Barclaycard Platinum Credit Card with Balance Transfer Applicants must be over 21 years old Applicants must earn more than £20,000.00 a year No CCJs or bankruptcy in the past 5 years Permanent UK address for 3 months or more Typical APR of 16.9% Minimum monthly payments of 2.25% No annual fee No balance transfer rate Balance transfer fee of 2.90% Cash withdrawal fee of 2.50% / Minimum £2.50 Credit limit: Varies Min £250.00 Late payment charge of £12.00 Foreign usage rates 2.75% within Europe / 2.75% rest of world	Barclaycard Platinum Credit Card with Balance Transfer	17 months2.9% fee	3 months	16.9% APR Representative (Variable)	£20 off your BT fee when you transfer £3000+ by 28th Feb 2011 Good Credit Customers.
Representative Example: 16.9% APR Representative (variable). Based on 2.9% balance transfer fee, credit limit of £1200.00, annual interest rate (variable) 16.9%.
More info Virgin Credit Card Applicants must be over 18 years old No CCJs or bankruptcy in the past 5 years UK Resident With a Bank Or Building Society Account Typical APR of 16.8% Minimum monthly payments of your balance if this is less than £25 or whichever is the greater of £25 or 1% of your statement balance before any default charges and interest. No annual fee No balance transfer rate Balance transfer fee of 2.89% Cash withdrawal fee of 3.00% / Minimum £3.00 Credit limit: Varies Late payment charge of £12.00 Foreign usage rates 2.99% within Europe / 2.99% rest of world	Virgin Credit Card Great deals with Virgin Media.	16 months2.89% fee	3 months	16.8% APR Representative (Variable)	Great deals with Virgin Media. No Balance transfer from MBNA cards Good Credit Customers
	Representative Example: 16.8% APR Representative (variable). Based on 2.89% balance transfer fee, credit limit of £1200.00, annual interest rate (variable) 16.8%.
More info NatWest Platinum Credit Card Applicants must be over 18 years old Applicants must earn more than £10,000.00 a year Typical APR of 16.9% Minimum monthly payments of 2.25% No annual fee No balance transfer rate Balance transfer fee of 2.90% Cash withdrawal fee of 3.00% / Minimum £3.00 Credit limit: Varies Min £300.00 Late payment charge of £12.00 Foreign usage rates 2.75% within Europe / 2.75% rest of world	NatWest Platinum Credit Card 0% On Balance Transfers For 16 Months From Account Opening.	16 months2.9% fee	3 months	16.9% APR Representative (Variable)	Good Credit Customers.
	Representative Example: 16.9% APR Representative (variable). Based on 2.9% balance transfer fee, credit limit of £1200.00, annual interest rate (variable) 16.9%.
More info Capital One Visa Card Typical APR of 28.9% Minimum monthly payments of 1.00% or 5 No annual fee Balance transfer rate of 28.94% PA for null No balance transfer fee Cash withdrawal fee of 28.94% / Minimum £5.00 Credit limit: Max £1,500.00 Min £200.00 Late payment charge of £12 Foreign usage rates % within Europe / 2.75% rest of world	Capital One Visa Card	N/A	N/A	28.9% APR Representative (Variable)	Low manageable credit limit Ideal for rebuilding credit profile.
	Representative Example: 28.9% APR Representative (variable). Based on credit limit of £1200.00, annual interest rate (variable) 28.94%.
More info Capital One Classic Visa Card Applicants must be over 18 years old Typical APR of 34.9% Minimum monthly payments of n/a or Full Balance iIf Less Than £5, Otherwise Greater Of: Amount Equal To Total Of 1% Of Balance On Your Account, Interest Applied In That Month, All Default Sums Incurred In That Month And 1/12 Of Annual Fee, Or £5. No annual fee Balance transfer rate of 34.94% PA for N/A No balance transfer fee Cash withdrawal fee of 3.00% / Minimum £3.00 Credit limit: Max £1,500.00 Min £100.00 Late payment charge of £12.00 Foreign usage rates 2.75% within Europe / 2.75% rest of world	Capital One Classic Visa Card Free choice in card design.	N/A	N/A	34.9% APR Representative (Variable)	Ideal For Rebuilding Credit Profile.
	Representative Example: 34.9% APR Representative (variable). Based on credit limit of £1200.00, annual interest rate (variable) 34.9%.
More info Sainsbury's Credit Card Applicants must be over 18 years old No history of bad credit Permanent UK address Typical APR of 15.9% Minimum monthly payments of 2.25% or £5.00 No annual fee No balance transfer rate Balance transfer fee of 3.00% Cash withdrawal fee of 3.00% / Minimum £3.00 Credit limit: Varies Min £500.00 Late payment charge of £12.00 Foreign usage rates 2.75% within Europe / 2.75% rest of world	Sainsbury's Credit Card	12 months3% fee	12 months	15.9% APR Representative (Variable)	Nectar card holders only. Good Credit Customers.
	Representative Example: 15.9% APR Representative (variable). Based on 3% balance transfer fee, credit limit of £1200.00, annual interest rate (variable) 15.9%.
More info Barclaycard Gold Credit Card Applicants must be over 21 years old Applicants must earn more than £17,500.00 a year No CCJs or IVAs in the past 5 years UK resident for at least 3 months Typical APR of 19.9% Minimum monthly payments of 2.25% or £5.00 No annual fee No balance transfer rate Balance transfer fee of 2.50% Cash withdrawal fee of 2.50% / Minimum £2.50 Credit limit: Varies Min £250.00 Late payment charge of £12.00 Foreign usage rates 2.75% within Europe / 2.75% rest of world	Barclaycard Gold Credit Card A new quick and easy way to pay for purchases of £10 or under.	N/A	N/A	19.9% APR Representative (Variable)	Barclaycard Freedom – A NEW rewards programme like no other. Available To Fair Credit Customers.
	Representative Example: 19.9% APR Representative (variable). Based on 2.5% balance transfer fee, credit limit of £1200.00, annual interest rate (variable) 19.9%.
More info Tesco Clubcard Credit card Applicants must be over Available to over 18s years old Applicants must earn more than £5,000.00 a year No CCJs or bankruptcy in the past 5 years UK residents only and subject to status Typical APR of 16.9% No annual fee No balance transfer rate Balance transfer fee of 2.90% Cash withdrawal fee of 3.00% / Minimum £3.00 Credit limit: Varies Min £250.00 Late payment charge of £12.00 (also applies as an over limit charge) Foreign usage rates 2.75% within Europe / 2.75% rest of world	Tesco Clubcard Credit card	9 months2.9% fee	13 months	16.9% APR Representative (Variable)	Limited offer of 500 Extra points! Offer ends 3 March 2011. Good Credit Customers.
	Representative Example: 16.9% APR Representative (variable). Based on 2.9% balance transfer fee, credit limit of £1200.00, annual interest rate (variable) 16.9%.
More info Lloyds TSB Platinum Credit Card Applicants must be over 18 years old No CCJs UK resident Typical APR of 15.9% Minimum monthly payments of 2.00% No annual fee No balance transfer rate Balance transfer fee of 3.00% Cash withdrawal fee of 3.00% / Minimum £2.50 Credit limit: Varies Min £500.00 Late payment charge of £12.00 Foreign usage rates 2.95% within Europe / 2.95% rest of world	Lloyds TSB Platinum Credit Card	14 months3% fee	3 months	15.9% APR Representative (Variable)	Cover Against Online Fraud + Overseas Emergency Assistance. Good Credit Customers.
	Representative Example: 15.9% APR Representative (variable). Based on 3% balance transfer fee, credit limit of £1200.00, annual interest rate (variable) 15.9%.
More info Halifax Plus Credit Card Applicants must be over 18 years old UK Resident With A Regular Income Typical APR of 16.9% Minimum monthly payments of 1.00% No annual fee No balance transfer rate Balance transfer fee of 3.00% Cash withdrawal fee of 3.00% / Minimum £3.00 Credit limit: Varies Min £500.00 Late payment charge of £12.00 Foreign usage rates 2.95% within Europe / 2.95% rest of world	Halifax Plus Credit Card	15 months3% fee	3 months	16.9% APR Representative (Variable)	Instant decision online. No Balance Transfers from Halifax or BoS cards. Good Credit Customers.
	Representative Example: 16.9% APR Representative (variable). Based on 3% balance transfer fee, credit limit of £1200.00, annual interest rate (variable) 16.9%.
More info Barclaycard Initial Credit Card Applicants must be over 18 years old Applicants must earn more than £10,000.00 a year Permanent UK Address For At Least 3 Months Typical APR of 29.9% Minimum monthly payments of 2.50% or £5.00 No annual fee Balance transfer rate of 29.90% PA for null Balance transfer fee of 2.50% Cash withdrawal fee of 2.50% / Minimum £2.50 Credit limit: Max £2,000.00 Min £250.00 Late payment charge of £12 Foreign usage rates 2.75% within Europe / 2.75% rest of world	Barclaycard Initial Credit Card	N/A	N/A	29.9% APR Representative (Variable)	Ideal For Rebuilding Credit Profile.
	Representative Example: 29.9% APR Representative (variable). Based on 2.5% balance transfer fee, credit limit of £1200.00, annual interest rate (variable) 29.9%.
More info Saga Platinum Credit Card Applicants must be over 50 years old Applicants must earn more than £12,000.00 a year No CCJs or Bankruptcy UK resident Typical APR of 11.9% Minimum monthly payments of 3.00% or £5.00 No annual fee No balance transfer rate Balance transfer fee of 3.00% Cash withdrawal fee of 2.00% / Minimum £2.00 Credit limit: Varies Min £500.00 Late payment charge of £10.00 Foreign usage rates 0.00% within Europe / 0.00% rest of world	Saga Platinum Credit Card	9 months3% fee	9 months	11.9% APR Representative (Variable)	For 50 + Years of age . 0% Foreign Currency Fee. Good Credit Customers
	Representative Example: 11.9% APR Representative (variable). Based on 3% balance transfer fee, credit limit of £1200.00, annual interest rate (variable) 11.3%.

This is an independent comparison service provided by BeatThatQuote.com

The rates and products displayed within these tables are updated on a regular basis however due to the dynamic nature of the market some product details and rates may be out of date. We therefore do not take any responsibility for the accuracy of the information supplied within the table although we will always make our best endeavour to ensure that the information provided is as accurate as possible. You should always check rates and terms with the product provider.

0% Credit Cards

A 0% credit card provides you with the benefit of not charging interest on your card balance. Interest free periods are usually limited, after which a rate of interest is applied to the outstanding balance.

Balance Transfer

A Balance Transfer credit card allows you to transfer existing store or credit card debt to a new credit card initially with a potentially lower rate of interest. Particular attention should be paid to the length of time the opening offer is for, once the offer ends the full APR resumes and the full interest will be charged from that point on.

0% Purchase

A Zero percent purchase credit card offers an introductory rate that is interest free for new purchases for a specific term after which the standard rate applies. If you are looking for help with your cash flow then a 0% purchase credit card might do the trick but be aware that each credit card will vary on the term of the interest free period and the standard rate in which it will revert to therefore it is important that you compare these features before applying.

Interest Free credit cards

Interest free credit cards are credit cards which offer an interest free period on the credit that is either borrowed from, or transferred onto, the card. Interest free periods are usually limited, after which a rate of interest is applied to the outstanding balance.

Low Interest Credit Cards

A low interest credit card or low rate credit card will feature a low interest rate, so the interest charged on the outstanding balance is lower than most standard rate cards in the market. This is a good option if you do not want to be switching your credit cards regularly to take advantage of interest free deals as the card charges a consistently low interest rate.

Cashback

A cashback credit card is a credit card which pays you each time you spend on them. Cashback Credit Cards will give you back a small percentage of your overall spend, each time you use them, which means, over the course of a year, you will receive a percentage of your yearly spend back. This form of Credit Card could be a good source of gaining additional finance.

Bad Credit Credit Cards

A Bad Credit Credit Card is a credit card for bad credit or for people with a low/poor credit rating, CCJs or who have claimed bankruptcy. Bad Credit Credit Cards function just like regular credit cards, but due to the perceived higher risk the applicant poses to the card issuer, they often carry a higher rate of interest, and benefits may be reduced.

Travel Cards

A travel credit card is a card providing benefits on travel. This can vary from air miles, saving money on holiday bookings to 0% commission when using abroad.

Rewards

Rewards credit cards offer rewards or incentives for use. These rewards can vary greatly from air miles to contributions to charities.

Gold and Platinum Credit Cards

A platinum credit card is a type of credit card product which provides similar features and benefits as a standard credit card, however to qualify for a gold credit card or a platinum credit card you may need a higher income than that required for regular a card. Gold cards and platinum cards may offer higher credit limits and an increased daily cash withdrawal allowance.

Prestige cards may also offer additional benefits such as free extended warranty on many household appliances, free purchase protection, savings on travel / hotels and even free travel insurance. They often have similar benefits to reward cards too in the form of airmiles or money off vouchers for example.

Business Credit Cards

A business credit card is usually issued to corporate executives or business owners to more easily keep business expenses separate from personal charges. Many financial institutions provide this product with additional benefits for the business.

Sport Credit Cards

Sports Credit Cards are, for example Football Credit Cards, that are issued by sporting organization that allow individuals to carry their Football Team Credit Card in their wallet. Many supporters enjoy seeing their football team and credit cards united and the growth of football team and credit card offerings are a growing market. Many football clubs not only offer Football Credit Cards they also offer Team and Rewards Credit Card with the benefit of Team and Reward Credit Cards being that as well as having your teams credit card in your wallet you benefit by getting reward points every time you use it

How to find the Best credit card for you

To find top credit card deals or the best credit card for you ensure that you shop around. There are a number of different credit card types in the market all of which have different benefits and interest rates and therefore it is a good idea to compare credit cards in order to find a cheap credit card that suits your spending or saving requirements.

Credit Card providers:

Barclays Bank plc, MBNA. Alliance and Leicester, Virgin, Post Office Limited, American Express, Amex, Royal Bank of Scotland, Halifax, Natwest, Vanquis, HSBC, Aqua, Lloyds TSB Group, Abbey, Tesco, Capital One Bank, Citigroup Inc, Sainsburys Bank plc, Bank of Scotland plc, Co-Operative Bank plc, HFC Bank Limited, Marks and Spencer plc

Credit Cards News

30th Jan 2011

Why you’re less likely to get a cheap loan

By: Katy Ward New European rules could mean your chances of getting the best loan rate have just dropped.»

23rd Dec 2010

Don’t pay interest until spring 2012

By: Daniel Milano Now that the festive season is coming to an end and credit card bills are in the post, many of us ...»

+ more credit cards news

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