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Balance transfer credit cards - Ordered by longest balance transfer offer

  1. Market leading

    The longest ever balance transfer card now with reduced fee

    Great for
    Giving you as long as possible to clear debts
    Limited Offer: Fee reduction from 4% to 2.99%
    You can simply ‘wave and pay’ with Barclaycard – handy if you are someone who’s always on the go
    But be aware that
    The APR and length of the promotional offer are dependent on your personal circumstances
    You won’t be able to transfer a balance that’s already on a Barclaycard

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.9% (variable) your representative APR will be 18.9% (variable).

  2. Limited offer

    Further reduction on balance transfer fee, reduce from 3.9% to 2.5%

    Great for
    Saving on balance transfer cost
    Limited Offer: Fee reduction from 3.9% to 2.5%
    You can simply ‘wave and pay’ with Barclaycard – handy if you are someone who’s always on the go
    But be aware that
    The APR and length of the promotional offer are dependent on your personal circumstances
    You won’t be able to transfer a balance that’s already on a Barclaycard

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.9% (variable) your representative APR will be 18.9% (variable).

Low fee balance transfer cards - Ordered by lowest balance transfer fee

  1. Market leading

    Market leading low fee Balance Transfer card

    Great for
    3% balance transfer fee reduced by 2.2% refund to effective 0.8% fee
    But be aware that
    You cannot transfer a balance from another Lloyds TSB card
    APR is subject to status

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 17.95% (variable) your representative APR will be 17.9% (variable).

  2. Market leading

    Market Leading combined BT & Purchase Card

    Great for
    A fraud protection service
    Travel, hotel and retail discounts
    But be aware that
    No transfers from other RBS Group cards

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 16.95% (variable) your representative APR will be 16.9% (variable).

Purchase credit cards - Ordered by longest purchase offer

  1. Market leading

    LONGEST 0% Purchase Card

    Great for
    Clubcard points on your spending. One point awarded for every £4 spent in each purchase transaction (£4 min). Must have available credit
    But be aware that
    The APR you get is subject to status, so may vary
    You cannot apply if you currently hold another Tesco Credit Card

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 16.9% (variable) your representative APR will be 16.9% (variable).

  2. Great for
    Offering a little bit of both with a near market-leading purchases offer AND a noteworthy balance transfer offer
    Contactless payments for purchases under £20
    But be aware that
    You cannot transfer a balance from another MBNA card

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 16.9% (variable) your representative APR will be 16.9% (variable).

Balance transfer & purchase cards - Ordered by longest combined balance transfer and purchase offer

  1. Market leading

    Market Leading combined BT & Purchase Card

    Great for
    A fraud protection service
    Travel, hotel and retail discounts
    But be aware that
    No transfers from other RBS Group cards

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 16.95% (variable) your representative APR will be 16.9% (variable).

  2. Great for
    A fraud protection service
    Travel, hotel and retail discounts
    But be aware that
    You cannot transfer a balance from another RBS Group card

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 16.95% (variable) your representative APR will be 16.9% (variable).

Credit cards for bad credit - Ordered by APR

    • Provider/Product name Classic

      aqua

      Classic

    • Representative APR (variable) 29.7%APR
    • Minimum credit limit £100minimum
    • Maximum credit limit Up to£1600 Subject to status
    • Cash Advance rate 39.95%with 3% fee
    • Your chance of approval

      Will you get this card?

      Start >>
    • Go to site

      More details

    Great for
    A credit limit of £100 - £1,600, that could increase after four months
    Helping build your credit rating, and now track changes with FREE reports and alerts worth up to £80 per year
    Getting a response within 60 seconds
    But be aware that
    Interest rates range from 29.7% - 49.9%

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 29.73% (variable) your representative APR will be 29.7% (variable).

  1. Great for
    Rebuilding credit, even if you’ve had a CCJ or problems with credit in the past
    Regular reporting to 3 major credit agencies
    A quick response in 60 seconds
    But be aware that
    You must have had credit in the UK before
    You must not have been declared Bankrupt in the last 12 months

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 29.84% (variable) your representative APR will be 29.8% (variable).

Your personalised chance of approval

We’ve taken the details you gave, and used them to show you personalised scores to tell you the chance that your application for each card would be successful.

Why is this important?

Every time you apply for a credit card, a mark is left on your credit score. That means it’s better to get it right first time. Your scores help you understand which cards you have the strongest chance of getting.

It's easy!

The higher the score, the stronger chance you have of getting the card. If you see a very low score, you’ve probably better off choosing a different card.

Consider a different card
Not eligible
1/10
2/10
3/10
4/10
5/10
Your chances are good
6/10
7/10
8/10
9/10
You've been pre approved

If you see a high score, you can be fairly confident. The scores aren’t a guarantee, as acceptance of your application is at the sole discretion of the card issuer, but they should help guide your choice.

Not rated

In some cases, we will not be able to display a score for a product because we do not have enough information about the card issuer’s acceptance criteria or we have not been able to match your details at the credit bureau.

We work closely with our partners to improve our eligibility scores for all products that are of interest to you.

Credit Cards. Trust us to explain them simply

Laptops are examples of products you can buy with a credit card

Why use a credit card?

By  

Credit cards can be a quick and easy way to borrow money to pay for things. Let’s say you are window shopping and spot a must- have pair of shoes. You have no cash to hand, but it doesn’t matter. 

Guide to credit cards

Credit cards can be a convenient way to pay for goods and services, whether at the supermarket checkout or over the internet. You can also use a credit card when you are travelling abroad. If you pick the right credit card, you can borrow money for free. However, select the wrong card and you could end up in serious debt. Our guide will tell you all you need to know.

What is a credit card?

All credit cards work like a short term loan. When you pay for your holiday or new dishwasher with a credit card, you essentially borrow the money from the card issuer. You then settle the debt when you receive your monthly statement. You can either clear the debt in full, in which case you will usually pay no interest and the loan is free. Or you can pay off the balance in instalments to spread the cost. You would then normally be charged interest – and the rate could be as much as 19% or even higher.

Read more

Credit card deals

There are hundreds of offers on the market, but all credit cards fall into just six broad categories. The right card for you depends largely on your spending habits and your attitude to debt.

People who regularly spend on their credit card should look for a good deal on purchases. Some cards charge 0% on purchases for a limited period, sometimes 12 months or more. So your card can work like an interest-free loan for this period.

Balance transfer credit cards are ideally suited for consumers who have run up debts on one or more cards at a high rate of interest. You can simply switch your outstanding balance to a cheaper balance transfer deal and save money on your debt repayments. Again, some card issuers charge zero interest on balance transfers for a year or more, though you usually have to pay a balance transfer fee of between 2% and 3% of the amount transferred.

Some people do not want the hassle of regularly switching their credit cards to chase the best deal. Where this is the case, a low rate credit card could be the answer. There is no 0% deal on offer, but a low rate card will charge a competitive rate of interest for life.

If you pay off your balance in full every month, the interest rate is not important because you do not need to borrow money on your credit card. Look instead for a card that comes with something extra, such as cashback credit cards or reward points when you spend.

Major credit cards are accepted around the world, but the cost of using a card abroad can vary dramatically as issuers tend to increase charges for foreign transactions. Anyone who travels overseas regularly should therefore seek out a card that charges low or no foreign usage fees.

Card issuers save the best deals for people with a perfect credit history. So if you have run into trouble with debts in the past, you could be turned down for credit. But some cards are aimed at people with a low credit score. The interest rates tend to be very high, but if you use the card responsibly it can help you increase your score.

Pros and cons of credit cards

Credit cards are popular – and for good reason. They are a flexible form of payment, particularly for impulse purchases and online shopping. They also offer consumer protection. If you buy something that costs between £100 and £60,260 with a credit card and it turns out to be faulty or the company goes bust, you can seek redress from the card issuer.

But you should choose your card with care. There is little point in a balance transfer card, for example, if you want to go on a spending spree. You should also stay within your credit limit and always pay off as much as you can afford each month. If you pay only the minimum amount, it could take years to clear your debt and cost hundreds or even thousands of pounds in interest.

Find the right credit card

With so many different credit card deals on the market, consumers can often feel overwhelmed. But MoneySupermarket's free independent comparison service makes it quick and easy to find the right credit card. Whether you want a 0% deal on purchases or a card to take on holiday, we can compare the top deals in a matter of seconds.

How our site works

  1. Tell us some details about what you want from your credit card
  2. We'll search through more than 230 credit cards to find you the best deals
  3. You can choose the one that suits you best and apply online through the provider.

Why are we the best website for credit card comparison?

Simply because we compare over 230 credit cards, and we also match cards to you based on how the credit card company will view you and your application. This means you are more likely to get the first card you apply for.

We're free, independent and compare all UK credit cards as well as offering exclusive deals you can't get anywhere else.

Compare credit cards

Compare hundreds of credit cards instantly and find the best deals on: 0% balance transfers, 0% purchases, cashback and rewards. Plus get exclusive deals you can't get anywhere else.

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Guide to credit cards
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