Please
note: The interest rates, APR calculations, charges,
awards and other conditions applying to credit cards on
these pages may changed by the card providers at any time.
Your Credit Card — UK Online Finance has it
Here is everything we can find
for you on credit cards . . . the types, the
rates, the best deals.
Read up on the cards
listed below or do an in-depth read on the Credit
Card Types that interest you, or alternatively simply
click the button below to instantly compare all car
providers rates and conditions and to make online
applications.
We've also included a separate
section for people who've got bad credit problems
in our comparison software, so don't despair.
When you click on any of the "Compare
and Apply" buttons below , remember, there
can be more than fifty card providers listed,
and we are adding all the time. So, after you've checked
out your chosen card, run a check on the choice "any",
it might find you a better deal by running through
the whole database for you.
Click on the name to find out more about each one,
then click the button below your choice to compare their
rates with others:
A new credit card from Barclays — "Barclaycard"
Barclays is one
of the big banks, and so their credit cards service
is
plain and simple, and, for the most part, simply
works. They have occasional interesting benefits,
and sometimes come up with a really good promotion,
like
"Free kicks".
Barclays says of the promotion: "Barclaycard
Free Kicks is our way of making a genuine contribution
to grass roots football. We have committed £4
million over three years to the development of football
in our communities. We will:
* Open up football to people from disadvantaged
areas
* Help people with disabilities play the game
* Support education using the positive power of football"
. .
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Would you credit a card that's no yolk? Egg
have it
Egg is a battler
for customer share, and as such offers some really
useful benefits to cardholders.
They have obviously done a lot of analysis of competing
credit card offers and cut their charges to the
bone, streamlined their service and thrown in
a bunch of fee benefits.
An example is the online service: " Managing your account online or on Egg
TV on Sky digital is so much easier, and puts you
firmly in control 24 hours a day. You can also e-mail
us securely over the Internet and we'll be happy
to help," says Egg.
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A card that's a credit to you — HSBC Card
A really big bank, and with
a slick and swift credit card system that matches. The
bank has worked hard to develop community involvement,
in its drive to capture the High Street.
About its community conscious credit cards, it says: "Choose a card that supports
Wales, contributes to the National Trust, earns you
Morrisons Credits or makes contributions to more than
80 UK arts organisations every time you spend with
your card"
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All the credit you need with a Marbles card
Marbles is a card issued
by HFC bank, and it is a simple, easy to use MasterCard
variant,
with a snappy online account management service, and
access to other loans and services provided by the
bank.
Best benefit? You get to choose the color of the marbles
that decorate the front of the card. Doesn't mean much, but is fun .
. . and that may mean their approach to other matters suits you to.
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MBNA cards set your credit to your income
MBNA has a layered
approach to credit card benefits, as your income
increases over the £8000 per year threshold required
for the "Classic" or entry level card.
Other levels of card, the "Platinum Plus" and "Beyond"
cards, for example, require an income level of £20,000
to qualify.
Click on the right hand button
below to examine the full range of cards from MBNA.
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When it comes to credit this card is the Capital One
Capital One takes an "ability-to-repay" approach to its
cards.
As an example, its US style
small business card, a version of which may soon be seen in Europe, is
targeted at the "small
business owner who wants
to separate
personal
and
business
expenses". It provides a £20,000 limit. While it's "Platinum
Card", which is already available here, is designed
for people who have " excellent credit, and manage their finances
well."
They also have benefits on different cards, and you can
find out more by clicking the right button below . . . or simply click on
the left button and apply direct.
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Goldfish Card— credit to bowl you over
Different fish on the front, different benefits, or at least that's how it seems to go at Goldfish.
Their basic card provides "0% interest on transferred
balance, fixed for the first 6 months after your account is opened
14.9% APR (variable) on transactions (and balance transfers after 6 months)
Up to 52 days interest-free credit
No annual fee "
Their range of cards is innovative, and you can find
out more by clicking on the right button below, or you can go straight to our
application page by clicking on the left one.
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Virgin Credit — Design your own card
Virgin stress the "customising" aspect of their card. Everything from the interest rate to the card design to the repayment method can be altered to suit the holder.
Virgin says: "The only boring thing about a Virgin Credit Card is you use it just like other cards - at around 20 million shops, garages and restaurants pretty much everywhere around the planet. Why learn to say 'how much?' in 20 languages when your card's accepted from Heathrow to Honolulu."
Click on the right button to find out more, or simply
click on the left button and apply right now.
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Accucard
Accucard is issued by Lloyds Bank TSB, and concentrates on a young, flexible image, with lots of benefits and a fun way to choose your own card designs.
Our belief is that today's demanding and ever changing
lifestyles create unique circumstances for each and every one of us. The Accucard
approach was created to address those unique circumstances.
Accucard is the only company that puts the tools for control in your hands, giving
you true freedom to design and manage your financial needs, exactly to fit
in with your lifestyle and allow you to make smart decisions.
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American Express
American Express used to restrict card membership to
a charge card, one you pay off in full each month. They have recently issued
a credit card version of the traditional American Express card, and are actively
chasing market share.
Their new "Blue Card" for example, offers a
number of benefits:
"1. After 3 months you'll get 1% MoneyBack on virtually
every purchase. To qualify for MoneyBack all we ask is that you make the minimum
payment on time. The rebate is not payable in respect of any month in which
the minimum payment is not received within 25 days of the statement date. The
rebate is not payable in respect of cash withdrawals, interest, fees, balance
transfers or expenditure in any month exceeding the amount of your Credit Limit."
"2. Purchase Protection insures against accidental damage and theft. Cover
begins where any existing insurance you may have leaves off - for up to £20,000
per Cardmember per year".
"3. Travel Accident Insurance only. Insurance is offered through American Express
and subject to conditions of cover".
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Citibank
Citibank issues cards world wide, and has a really slick,
complete service approach.
"Located in UK Citibank branches, Citibank Card Banking
Centers are cash machines that give you access to your account, 24 hours a
day, 365 days a year. They allow you to use your Citibank Card and PIN (Personal
Identification Number) to carry out a wide range of banking transactions.
You can do the following free of charge, from any Citibank
Card Banking Center in over 41 countries around the world."
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Morgan Stanley
Morgan Stanley issues a MasterCard service, both Gold
and Platinum variants, which the bank then "tops up" with extra benefits.
The Gold card offers split interest rates, a 0%APR for new card holders, for
six months, and online account management.
The Platinum card offers extended cash back and other
rewards:
"Our exclusive Cashback Bonus™ award rewards you with
up to 1%* of everything you buy on your Platinum Card and there is no upper
limit to the amount of money you can receive. Naturally, the more you use your
Card for expenses, the larger your annual cheque will be."
"Your Cashback Bonus™ will be shown on your monthly statement,
then once a year you’ll receive your award cheque to spend on whatever you
want."
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Intelligent
Finance
Intelligence is the card
issued by Halifax Bank, through their "Intelligent
Finance" brand.
The Bank sees its cards
as additional resources for its current account
holders, and goes to some trouble to develop
tax arrangements that are advantageous, by
offsetting current accounts against card debts,
thus reducing the interest payable on the
current account balance, and therefore the tax.
The bank cites several
examples like this:
"Nicola enjoys spending
money, but she's also careful with her finances.
So, she took out a credit card and a current
account with Intelligent Finance. Her credit
card balance is £2,000 and she usually
has around £600 in her current account."
"She chose to offset
her current account against her credit card
so instead
of receiving interest
on the money in her current account, she pays
no interest on the same amount of her outstanding
credit card balance".
"And because she doesn't
receive interest on her current account there's
no tax to pay."
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First
Direct
No frills, no nonsense and the latest chip and
pin anti fraud technology, coupled with bunches of benefit offers make
this an interesting addition to a wallet full of plastic.
Oh, and its multicolored too . . . there's black,
then there's black, and oh yeah, you can have black, too.
"exhilarating, intriguing, comfortable, delicious,
informative...each month we present offers which will appeal to first
direct credit cardholders.
Sometimes they're unusual, sometimes they're classic offers but always
offering excellent value. Something different. Recent offers have included:
great discounts on theatre breaks
cases of fine wines at reduced prices
free passes to top UK attractions
low price European breaks.
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More th>n
A derivative of the Accucard by Lloyds TSB, the
card relies for added appeal on very flexible repayment arrangements,
and interest rates.
They say of their own card:
"Competitive interest rates, CashBack and an account
that lets you choose the features that suit your lifestyle, plus all
the benefits you would expect from a MasterCard. What’s more, the MORE
TH>N Credit Card gives you free travel accident and purchase protection
cover. Apply today to design the card that suits you."
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Tesco
An obvious move for a big retailer, these cards a
great addition to the wallet for people who shop at Tesco's. The retailer
says of them:
"Choice of Classic and Finest* Platinum Cards —
You have the option of choosing our Classic credit card or the Tesco Finest*
Platinum credit card which offers all the same benefits that make the Classic
card such great value - plus a host of extras including:
Extra Clubcard points for purchases at Tesco.com —
Exclusive offers on Tesco Finest* and Tesco Insurance products
Higher credit limit
Free Travel Accident Insurance of up to £250,000 (Classic Card £50,000)
Free legal and medical assistance when abroad
Free delivery on Tesco Travel Money"
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Halifax
Halifax has a huge range of credit cards, some of them
affiliated with airlines and the like.
And if you're looking for real transparency in your
financial arrangements, look no further! This is what Halifax say
about their new "clear card" product:
With so many credit offers, rates and charges, credit
cards can be confusing. So if you're looking for a straightforward credit card
that offers a great rate and fair charges, you've found it. Whether you're
looking for your first, second or third card, there's nothing clearer than
the new Halifax Credit Card.
It's the UK's only credit card to give you one rate and no cash advance fee
- the difference is clear.
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