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Insurance & Finance Comparison from The Independent

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Credit Cards

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

Calculator

↓	Provider	Balance Transfer		Purchase		APR Typical (Variable)	Benefits
↓	Provider	Rate	Duration	Rate	Duration	APR Typical (Variable)	Benefits
	Barclaycard Platinum Credit Card more info Barclaycard Platinum Credit Card Applicants must be over 21 years old Applicants must earn more than £20,000.00 a year No CCJs or bankruptcy UK resident for at least 3 months Typical APR of 16.9% Minimum monthly payments of 2.25% or £5.00 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	0.00%	15 months 2.90% fee	0.00%	3 months	16.9% APR Typical(Variable)	Barclaycard Freedom – A NEW rewards programme like no other. Good Credit Customers.
	Bank of Scotland Plus Credit Card more info Bank of Scotland 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% or £3.00 No cash withdrawal fee Credit limit: Varies Min £500.00 Late payment charge of £12.00 Foreign usage rates 2.95% within Europe / 2.95% rest of world	0.00%	13 months 3.00% or £3.00 fee	0.00%	3 months	16.9% APR Typical(Variable)	Instant decision online. Good Credit Customers.
	Tesco Clubcard Credit card more info Tesco Clubcard Credit card Applicants must be over 18 years old UK resident Typical APR of 16.9% Minimum monthly payments of 3% or £5 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 Foreign usage rates 2.75% within Europe / 2.75% rest of world	0.00%	9 Months 2.90% fee	0.00%	13 Months	16.9% APR Typical(Variable)	Your way to collect even more Clubcard points. 1 point for every £4 spent (min£4) Good Credit Customers.
	Capital One Classic Visa Card Free choice in card design. 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 if 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 Balance transfer fee of 3.00% 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	34.94%	N/A 3.00% fee	34.94%	N/A	34.9% APR Typical(Variable)	Ideal for re-building credit profile.
	Capital One Progress Card more info Capital One Progress Card Applicants must be over 18 years old No CCJs UK resident Typical APR of 34.9% Minimum monthly payments of Minimum monthly payments of full balance if 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 Balance transfer fee of 3.00% Cash withdrawal fee of 3.00% / Minimum £3.00 Credit limit: Max £2,500.00 Min £100.00 Late payment charge of £12.00 Foreign usage rates 2.75% within Europe / 2.75% rest of world	34.94%	N/A 3.00% fee	34.94%	N/A	34.9% APR Typical(Variable)	Ideal for re-building credit profile.You could shrink your balance transfer rate and purchase rate to as low as 19.9% p.a.
	Egg Credit Card more info Egg Credit Card Applicants must be over 18 years old No CCJs or IVAs Permanent UK resident Typical APR of 17.9% Minimum monthly payments of 2.00% or £5.00 No annual fee No balance transfer rate Balance transfer fee of 3.00% Cash withdrawal fee of 3.00% / Minimum £5.00 Credit limit: Varies Min £500.00 Late payment charge of £16.00 Foreign usage rates 2.95% within Europe / 2.95% rest of world	0.00%	until 10/11 3.00% fee	0.00%	until 11/10	17.9% APR Typical(Variable)	Instant cash back plus great deals and discounts at selected retailers. Good Credit Customers.
	Virgin Credit Card Great deals with Virgin Media. more info Virgin Credit Card Applicants must be over 18 years old Typical APR of 16.6% 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 2.98% or £3.00 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	0.00%	14 months 2.98% or £3.00 fee	0.00%	3 months	16.6% APR Typical(Variable)	Great deals with Virgin Media. No Balance transfer from MBNA cards Good Credit Customers
	Post Office Platinum Mastercard 0% on balance transfers for the first 12 months.0% commission on purchases overseas. more info Post Office Platinum Mastercard Typical APR of 16.9% Minimum monthly payments of 2.50% or £5.00 No annual fee No balance transfer rate Balance transfer fee of 2.98% Cash withdrawal fee of 2.50% / Minimum £3.00 Credit limit: Varies Min £500.00 Late payment charge of £12.00 Foreign usage rates 0.00% within Europe / 0.00% rest of world	0.00%	12 months 2.98% fee	0.00%	3 months	16.9% APR Typical(Variable)	0% commission on purchases overseas. Good Credit Customers.
	Halifax Plus Credit Card 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% or £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	0.00%	13 months 3.00% or £3.00 fee	0.00%	3 months	16.9% APR Typical(Variable)	Instant decision online. Good Credit Customers.
	MBNA £100 Retail Visa Rewards Credit Card more info MBNA £100 Retail Visa Rewards Credit Card Applicants must be over 18 years old Applicants must earn more than £20,000.00 a year No recent credit defaults Homeowner and UK resident for the past two years Typical APR of 16.9% Minimum monthly payments of 1.00% or £25.00 No annual fee Balance transfer rate of 16.90% PA for n/a Balance transfer fee of 3.00% or £3.00 Cash withdrawal fee of 3.00% / Minimum £3.00 Credit limit: Varies Late payment charge of £12.00 Foreign usage rates 2.75% within Europe / 2.75% rest of world	16.90%	n/a 3.00% or £3.00 fee	0.00%	12 months	16.9% APR Typical(Variable)	0% on all Purchases OVER £100 for 12 months & 0% for 6 months on Purchases UNDER £100 Good Credit Customers
	Royal Bank of Scotland Platinum Credit Card 0% interest for 16 months on your balance transfers. more info Royal Bank of Scotland 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% or £5.00 No annual fee No balance transfer rate Balance transfer fee of 2.90% or £5.00 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	0.00%	16 months 2.90% or £5.00 fee	0.00%	3 months	16.9% APR Typical(Variable)	Offers on wine and travel services. Good Credit Customers.
	Virgin Credit Card more info Virgin Credit Card Applicants must be over 23 years old Applicants must earn more than £20,000.00 a year No recent credit defaults UK resident Typical APR of 18.9% Minimum monthly payments of 1.00% or £25.00 No annual fee No balance transfer rate Balance transfer fee of 2.98% 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	0.00%	12 months 2.98% fee	0.00%	12 months	18.9% APR Typical(Variable)	Good for both balance transfers and purchases. Good Credit Customers.

We present information which we obtain from independent sources and do not give financial advice. You should check rates and terms with the product provider.

How can I compare 2 or more credit cards?

Select the box to the left of the card logo within the table for the credit cards you wish to compare and click on ‘Compare’ at the top or bottom of the table. This will display a wider selection of card features for all the cards you have selected to compare and allow you to simply compare the card features. (maximum of 6 credit cards)

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.

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.

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.

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 you're 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

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