Credit Cards – Search UK Credit Card Deals
Welcome to our credit card comparison section of The Money Stop.
Card Offer |
Balance Transfers |
Intro Purchases |
Comments |
More Details |
|---|---|---|---|---|
 Tesco Clubcard 16.9% |
0% for 9 months [2.9% fee] |
0% for 13 months |
A fantastic introductory offer of 0% on all purchases made for 13 months. Earn 1 Clubcard point for every £4 that you spend anywhere in the world. Additionally, your card doubles as a Clubcard, so when you use your Tesco Clubcard Credit Card to pay at Tesco, not only will you get 1 point for every £4 you spend, you will also collect points from Clubcard! |
|
 Virgin 12/12 18.9% |
0% for 12 months [2.98% fee] |
0% for 12 months |
Great intro offer of 0% on balance transfers and purchases for 12 months. No annual fee, online account management and also access to Virgin's loyalty program. |
|
 Halifax One 15.9% |
0% for 10 months [3% fee] |
0% on purchases for 10 months |
Choice of various card colours and online account management. |
|
 Virgin 16.6% |
0% for 14 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. |
|
 RBS Platinum 16.9% |
0% for 16 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. |
|
 NatWest Platinum 16.9% |
0% for 16 months [2.9% fee] |
0% for 3 months |
Up to 56 days interest free credit, free card for family members and no annual fee. |
|
 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. |
|
 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. |
|
 Sony Credit Card 16.9% |
0% for 12 months [3% fee] |
0% for 6 months |
If you use the card within 90 days you will receive 2000 reward points - enough for a FREE DVD or music CD! Earn triple rewards when you buy any Sony products with the card. |
|
 WWF 16.9% |
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. |
|
 UNICEF 15.9% |
0% for 12 months [3% fee] |
0% for 3 months |
When you first use the UNICEF credit card the charity will receive a £4 dontaion, in addition they will also receive 25p for every £100 you spend. |
|
 Amex Platinum 17.9% |
None |
None |
No annual fee and no limitation on possible cash back earnings. |
|
 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 |
|
 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. |
|
 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 |
|
 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. |
|
 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.
Recent Credit Card News
- Consumers can benefit from rewards based credit cards
- Rise in bank card fraud recorded
- Consumers saving more and using credit cards less
- Credit card fraud increases
- Cards set to replace cash transactions
Recent Credit Card Articles
- Further increase expected with credit card interest rates
- Further increase expected with credit card interest rates
- Virgin Money makes changes to repayment system
