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Credit Cards – Search UK Credit Card Deals


Welcome to our credit card comparison section of The Money Stop.

Compare Credit Cards
Card Offer
Balance Transfers
Intro Purchases
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WWF
WWF
15.9%
0% for 12 months
[3% fee]
0% for 3 months
The WWF receive £6 when you first use the card, 40p for every £100 you spend and £2 every year you have the card. You will receive a free toy if you spend £100 in the first 90 days and 10% discount at WWF\\\\\\\\\\\\\\\'s online shop.
Eligible applicants should earn more than £20K p/a, be homeowners and have not applied for an MBNA or Virgin credit card in the last 6 months.
Halifax One
Halifax One
15.9%
0% for 9 months
[3% fee]
0% on purchases for 9 months
Choice of various card colours and online account management.
MBNA Platinum Plus
MBNA Platinum Plus
16.9%
0% for 13 months
[2.9% fee]
0% for 3 months
0% on cash transfers to your current account for 13 months [4% fee], free protection against fraud and online account management
Virgin
Virgin
16.6%
0% for 16 months
[2.98% fee]
0% on purchases for 3 months
First month of Virgin Active or Virgin Media free. An additional 10% discount at Virgin mobiles, insurance, wines and holidays. Free online account management and up to 50 days interest free credit.
NatWest Platinum
NatWest Platinum
16.9%
0% for 15 months
[2.9% fee]
0% for 3 months
**Only available to existing NatWest customers**
Up to 56 days interest free credit, free card for family members and no annual fee.
National Trust
National Trust
15.9%
0% for 12 months
[3% fee]
0% for 3 months
National Trust will receive £15 donation when you first use the card, 30p for every £100 you spend and also £2 every year you have the card.
Eligible applicants should earn more than £20K p/a, be homeowners and have not applied for an MBNA or Virgin credit card in the last 6 months.
British Telecom
British Telecom
16.9%
0% for 6 months
[2% fee]
0% on supermarket and fuel for 10 months
Earn discounts on your BT bill as you spend. 0% on all purchases at supermarkets and petrol stations for 10 months. Low handling fe on balance transfers.
Eligible applicants should earn more than £20K p/a, be homeowners and have not applied for an MBNA or Virgin credit card in the last 6 months.
MBNA Rewards
MBNA Rewards
16.9%
0% for 13 months
[2.9% fee]
0% for 3 months
Along with the fantastic introductory offers for the MBNA Rewards card you also have access to travel, shopping and entertainment rewards or the chance to exchange your points for cash back, every pound spent will earn you 1 point.
RBS Platinum
RBS Platinum
16.9%
0% for 15 months
[2.9% fee]
0% for 3 months
Up to 56 days interest free credit, free card for family members, no annual fee, 10% discount on HP products, 20% off at BuyaGift and 10% off short breaks at SuperBreak.
**Only available to existing RBS customers**
NatWest Classic
NatWest Classic
16.9%
None
4.9% for 9 months
**ONLY AVAILABLE TO EXISTING NATWEST CUSTOMERS**.Up to 56 days interest free credit, free card for family members, access to NatWest travel support and discounts at the NatWest wines. Applicants must be over 18 and earn more than £10K p/a.
RBS Classic
RBS Classic
16.9%
None
4.9% for 9 months
**ONLY AVAILABLE TO EXISTING RBS CUSTOMERS**.10% discount on HP products, 20% off at BuyaGift and 10% off short breaks at SuperBreak. Applicants must be over 18 and earn more than £10K p/a
Capital One Classic
Capital One Classic
34.9%
None
None
A credit card that is aimed at applicants that have a bad credit history or have been refused elsewhere. No annual fee, up to £2500 in credit, choice of card designs and free Identity Theft Service. A great way to rebuild your credit rating.


What is a credit card?

A credit card is a card through which you are granted a specified amount of credit, and you can use this to make purchases directly with the card or to make withdrawals.

Do you get charged for using the card?

Credit cards charge interest on any balance remaining on the card after the payment date on the statement. The interest rate can vary from one credit card to another, but if you clear the balance in full each month before or on the payment due date you will not get charged any interest. There are other fees to look out for, and this includes fees for cash transactions such as withdrawals, late payment fees, over the limit fees, and annual fees. All of these can vary from on card to another.

What is the benefit of a credit card?

There are a number of benefits when it comes to using credit cards. Many people enjoy the convenience and ease of being to make purchases without having to carry around cash or write cheques. You can also use your credit card to make purchases online and via the telephone. Plus, of course, you can enjoy a period of interest free credit, and you can spread the cost of purchases to make them more affordable.

What are the pitfalls of credit card use?

There are also pitfalls associated with credit card use, although these should not arise if you use the card sensibly and responsibly. This includes the possibility of spiralling debt, fees and charges for going over the limit or making repayments late, the potential for credit card fraud, and the often extortionate interest rates charged on balances that are carried over (except on cards that offer an interest free period).

Can I select from a choice of cards?

If you have good credit then you should find that there are many options available, and some of the credit cards you can select from include 0% balance transfer cards, interest free purchase credit cards, rewards cards, cash back cards, charity cards, and more.

What if I have bad credit?

Those with bad credit will not be eligible for many of the mainstream credit cards, but there are specially designed cards that cater for those with poor credit. These cards offer a low credit limit, and enable the user to rebuild their credit without the risk of getting into too much debt. Once the credit rating has improved the card holder can start looking at more mainstream products offering better rates.

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