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Editors Choice

Get a whopping 0% Balance Transfers until Nov'09 and an ultra Low APR of 14.9%, not to mention 3 months 0% on new Purchases makes this our Editors Choice...

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Credit Cards for Balance Transfers & Purchases

CardIssuerBalance TransfersPurchasesTypical APR (variable)Apply
RateDurationFeeRateDuration
Barclaycard Platinum
0% Balance Transfers until Nov'09 & 3 months 0% Purchases
0% until Nov 2009 2.90% 0% 3 mths
14.9%
Apply >
[more info]
MBNA Platinum
13 months 0% Balance Transfers, 3 months 0% Purchases
0% 13 mths 2.90% 0% 3 mths
15.9%
Apply >
[more info]
Capital One Balance Transfer & Purchase Card
0% Balance Transfer until Dec'09 & Purchases until Dec'08
0% until Dec 2009 3% 0% until Dec 2008
16.9%
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[more info]
Capital One Platinum
0% Balance Transfer & Purchases until Nov'09
0% until Nov 2009 3% 0% until Nov 2009
14.9%
Apply >
[more info]
NatWest Platinum
13 months 0% Balance Transfers & 6 months 0% Purchases
0% 13 mths 2.90% 0% 6 mths
15.9%
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[more info]
Virgin Money Card
15 months's 0% Balance Transfers & 3 months 0% Purchases
0% 15 mths 2.98% 0% 3 mths
15.9%
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[more info]
Alliance Leicester
12 months 0% Balance Transfers & 3 months 0% Purchases
0% 12 mths 3% 0% 3 mths
15.9%
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[more info]
Lloyds TSB Platinum
14 months 0% on Balance Transfers & 3 months 0% Purchases
0% 14 mths 3% 0% 3 mths
15.9%
Apply >
[more info]
Egg Visa Card
0% Balance Transfers Oct'09 & 0% Purchases until Oct'08
0% until Oct 2009 3% 0% until Oct 2008
16.9%
Apply >
[more info]
MBNA Rewards
£1 = 1 Reward point, Redeem for holidays, electricals, etc
0% until Oct 2009 2.90% 0% until Dec 2008
15.9%
Apply >
[more info]
Post Office Mastercard
10 Months 0% Balance Transfers & 3 months 0% Purchases
0% 10 mths 2.75% 0% 3 mths
15.9%
Apply >
[more info]
Halifax All In One
10 months 0% on Balance Transfers & Purchases
0% 10 mths 3% 0% 10 mths
15.9%
Apply >
[more info]
Bank of Scotland All In One
10 months 0% on Balance Transfers & Purchases
0% 10 mths 3% 0% 10 mths
15.9%
Apply >
[more info]
Tesco Clubcard
14 months 0% on Balance Transfers & 6 Months 0% Purchases
0% 14 mths 2.90% 0% 6 mths
16.9%
Apply >
[more info]
Amex BlueSky
6 months 0% on Purchases & Collect Reward Points
N/A N/A N/A 0% 6 mths
17.9%
Apply >
[more info]
RBS Platinum
0% for 13 on Balance Transfers and 6 months 0% on Purchases
0% 13 mths 2.90% 0% 6 mths
15.9%
Apply >
[more info]
Capital One 'Low Rate' Card
Lowest Standard Rate in the UK - 8.5%APR Typical Variable
8.50% Until Paid in Full N/A N/A N/A
8.50%
Apply >
[more info]
Co operative Bank Platinum
Only 9.99% APR Fixed for 5 years
N/A N/A N/A N/A N/A
9.99%
Apply >
[more info]
Barclaycard OnePulse (Special)
14 Month 0% Balance Transfers & Oyster Card!
0% 14 mths 2.90% 0% 3 mths
14.9%
Apply >
[more info]
Barclaycard OnePulse
Credit Card with built-in Oyster card
N/A N/A N/A 0% 6 mths
14.9%
Apply >
[more info]
GM Credit Card
0% for 5 Months on Balance Transfers & Purchases
0% 5 mths 2% 0% 5 mths
14.9%
Apply >
[more info]

Introductory Offer

Balance Transfer Rate:
0% until Nov 2009
Balance Transfer Fee:
2.90%
Purchase Rate:
0% for 3 mths

Typical APR

Purchases:
14.9% p.a.
Balance Transfers:
14.9% p.a.
Balance Transfer Fee:
2.90%
Cash Advance:
27.9% p.a.

Standard Features

Credit Limit:
Subject to Status
Interest Free Days:
Up to 56 days
Online Banking:
Yes

Approval Criteria

  • You are at least 21Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of the UK
  • You have a bank or building society account
  • You have an income over £20,000 p.a

Introductory Offer

Balance Transfer Rate:
0% for 13 mths
Balance Transfer Fee:
2.90%
Purchase Rate:
0% for 3 mths

Typical APR

Purchases:
15.9% p.a.
Balance Transfers:
15.9% p.a.
Cash Advance:
24.9% p.a.

Standard Features

Credit Limit:
£50,000
Interest Free Days:
Up to 56 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of the UK
  • Any Income Considered

Introductory Offer

Balance Transfer Rate:
0% until Dec 2009
Balance Transfer Fee:
3%
Purchase Rate:
0% until Dec 2008

Typical APR

Purchases:
16.9% p.a.
Balance Transfers:
16.9% p.a.
Balance Transfer Fee:
3%
Cash Advance:
25.94% p.a.

Standard Features

Credit Limit:
£16,000 Max
Interest Free Days:
Up to 56 days
Online Banking:
Yes

Approval Criteria

  • You have an excellent Credit History
  • You are at least 21 Years of Age
  • You are a permanent resident/citizen of the UK
  • You have a bank or building society account
  • You have an income over £10,000 p.a

Introductory Offer

Balance Transfer Rate:
0% until Nov 2009
Balance Transfer Fee:
3%
Purchase Rate:
0% until Nov 2009

Typical APR

Purchases:
14.9% p.a.
Balance Transfers:
14.9% p.a.
Balance Transfer Fee:
3%
Cash Advance:
25.94% p.a.

Standard Features

Credit Limit:
£16,000 Max
Interest Free Days:
Up to 56 days
Online Banking:
Yes

Approval Criteria

  • You have an excellent Credit History
  • You are at least 21 Years of Age
  • You are a permanent resident/citizen of the UK
  • You have a bank or building society account
  • You have an income over £10,000 p.a

Introductory Offer

Balance Transfer Rate:
0% for 13 mths
Balance Transfer Fee:
2.90%
Purchase Rate:
0% for 6 mths

Typical APR

Purchases:
15.9% p.a.
Balance Transfers:
15.9% p.a.
Cash Advance:
24.9% p.a.

Standard Features

Credit Limit:
£25,000
Interest Free Days:
Up to 56 days
Online Banking:
Yes

Approval Criteria

  • You are at least 25 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of the UK
  • You earn over £25,000 per year

Introductory Offer

Balance Transfer Rate:
0% for 15 mths
Balance Transfer Fee:
2.98%
Purchase Rate:
0% for 3 mths

Typical APR

Purchases:
15.9% p.a.
Balance Transfers:
15.9% p.a.
Cash Advance:
24.9% p.a.

Standard Features

Credit Limit:
Subject to Status
Interest Free Days:
Up to 50 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of the UK
  • You have a Bank or Building society account
  • Any Income Considered

Introductory Offer

Balance Transfer Rate:
0% for 12 mths
Balance Transfer Fee:
3%
Purchase Rate:
0% for 3 mths

Typical APR

Purchases:
15.9% p.a.
Balance Transfers:
15.9% p.a.
Cash Advance:
27.9% p.a.

Standard Features

Credit Limit:
£50,000
Interest Free Days:
Up to 58 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of the UK
  • Any Income Considered

Introductory Offer

Balance Transfer Rate:
0% for 14 mths
Balance Transfer Fee:
3%
Purchase Rate:
0% for 3 mths

Typical APR

Purchases:
15.9% p.a.
Balance Transfers:
15.9% p.a.
Cash Advance:
27.9% p.a.

Standard Features

Credit Limit:
£50,000
Interest Free Days:
Up to 56 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of the UK
  • You have a bank or building society account
  • You have an income over £15,000 p.a

Introductory Offer

Balance Transfer Rate:
0% until Oct 2009
Balance Transfer Fee:
3%
Purchase Rate:
0% until Oct 2008

Typical APR

Purchases:
16.9% p.a.
Balance Transfers:
16.9% p.a.
Cash Advance:
24.9% p.a.

Standard Features

Credit Limit:
Subject to Status
Interest Free Days:
Up to 45 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of the UK
  • Any Income Considered

Introductory Offer

Balance Transfer Rate:
0% until Oct 2009
Balance Transfer Fee:
2.90%
Purchase Rate:
0% until Dec 2008

Typical APR

Purchases:
15.9% p.a.
Balance Transfers:
15.9% p.a.
Cash Advance:
24.9% p.a.

Standard Features

Credit Limit:
£50,000
Interest Free Days:
Up to 56 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of the UK
  • Any Income Considered

Introductory Offer

Balance Transfer Rate:
0% for 10 mths
Balance Transfer Fee:
2.75%
Purchase Rate:
0% for 3 mths

Typical APR

Purchases:
15.9% p.a.
Balance Transfers:
15.9% p.a.
Cash Advance:
19.16% p.a.

Standard Features

Credit Limit:
Subject to Status
Interest Free Days:
Up to 56 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of the UK
  • Any Income Considered

Introductory Offer

Balance Transfer Rate:
0% for 10 mths
Balance Transfer Fee:
3%
Purchase Rate:
0% for 10 mths

Typical APR

Purchases:
15.9% p.a.
Balance Transfers:
15.9% p.a.
Balance Transfer Fee:
3%
Cash Advance:
27.9% p.a.

Standard Features

Credit Limit:
Subject to Status
Interest Free Days:
Up to 56 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of the UK
  • Any Income Considered

Introductory Offer

Balance Transfer Rate:
0% for 10 mths
Balance Transfer Fee:
3%
Purchase Rate:
0% for 10 mths

Typical APR

Purchases:
15.9% p.a.
Balance Transfers:
15.9% p.a.
Balance Transfer Fee:
3%
Cash Advance:
27.9% p.a.

Standard Features

Credit Limit:
Subject to Status
Interest Free Days:
Up to 56 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of the UK
  • Any Income Considered

Introductory Offer

Balance Transfer Rate:
0% for 14 mths
Balance Transfer Fee:
2.90%
Purchase Rate:
0% for 6 mths

Typical APR

Purchases:
16.9% p.a.
Balance Transfers:
16.9% p.a.
Balance Transfer Fee:
2.90%
Cash Advance:
24.9% p.a.

Standard Features

Credit Limit:
Subject to Status
Interest Free Days:
Up to 46 days
Online Banking:
Yes

Approval Criteria

  • You have an excellent Credit History
  • You are at least 18 Years of Age
  • You are a permanent resident/citizen of the UK
  • You have a bank or building society account
  • You have an income over £10,000 p.a

Introductory Offer

Balance Transfer Rate:
N/A
Balance Transfer Fee:
N/A
Purchase Rate:
0% for 6 mths

Typical APR

Purchases:
17.9% p.a.
Balance Transfers:
17.9% p.a.
Cash Advance:
27.9% p.a.

Standard Features

Credit Limit:
£25000
Interest Free Days:
Up to 56 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of the UK
  • You have a bank or building society account
  • You have a Household income of over £20,000.pa

Introductory Offer

Balance Transfer Rate:
0% for 13 mths
Balance Transfer Fee:
2.90%
Purchase Rate:
0% for 6 mths

Typical APR

Purchases:
15.9% p.a.
Balance Transfers:
15.9% p.a.
Cash Advance:
24.9% p.a.

Standard Features

Credit Limit:
£25,000
Interest Free Days:
Up to 56 days
Online Banking:
Yes

Approval Criteria

  • You are at least 25 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of the UK
  • You earn over £25,000 per year

Introductory Offer

Balance Transfer Rate:
8.50% Until Paid in Full
Balance Transfer Fee:
N/A
Purchase Rate:
N/A

Typical APR

Purchases:
8.50% p.a.
Balance Transfers:
8.50% p.a.
Cash Advance:
25.94% p.a.

Standard Features

Credit Limit:
£16,000 Max
Interest Free Days:
Up to 56 days
Online Banking:
Yes

Cashback

Standard Cashback Rate:
0.50%

Approval Criteria

  • You have an excellent Credit History
  • You are at least 21 Years of Age
  • You are a permanent resident/citizen of the UK
  • You have a bank or building society account
  • You have an income over £10,000 p.a

Introductory Offer

Balance Transfer Rate:
N/A
Balance Transfer Fee:
N/A
Purchase Rate:
N/A

Typical APR

Purchases:
9.99% p.a.
Balance Transfers:
9.99% p.a.
Cash Advance:
9.99% p.a.

Standard Features

Credit Limit:
£25,000
Interest Free Days:
Up to 46 days
Online Banking:
Yes

Approval Criteria

  • You have an excellent Credit History
  • You are at least 25 Years of Age
  • You are a permanent resident/citizen of the UK
  • You have a bank or building society account
  • You have an income over £25,000 p.a

Introductory Offer

Balance Transfer Rate:
0% for 14 mths
Balance Transfer Fee:
2.90%
Purchase Rate:
0% for 3 mths

Typical APR

Purchases:
14.9% p.a.
Balance Transfers:
14.9% p.a.
Cash Advance:
27.9% p.a.

Standard Features

Credit Limit:
£25,000
Interest Free Days:
Up to 55 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of the UK
  • You have a bank or building society account
  • You have an income over £12,000 p.a

Introductory Offer

Balance Transfer Rate:
N/A
Balance Transfer Fee:
N/A
Purchase Rate:
0% for 6 mths

Typical APR

Purchases:
14.9% p.a.
Balance Transfers:
14.9% p.a.
Cash Advance:
27.9% p.a.

Standard Features

Credit Limit:
Subject to Status
Interest Free Days:
Up to 55 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of the UK
  • You have a bank or building society account
  • You have an income over £12,000 p.a

Introductory Offer

Balance Transfer Rate:
0% for 5 mths
Balance Transfer Fee:
2%
Purchase Rate:
0% for 5 mths

Typical APR

Purchases:
14.9% p.a.
Balance Transfers:
14.9% p.a.
Cash Advance:
21.6% p.a.

Standard Features

Credit Limit:
Subject to Status
Interest Free Days:
Up to 56 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of the UK
  • Any Income Considered

Credit Cards for Cash Back

CardIssuerCash Back RateCash Back PaidPayment MethodApply
IntroDurationOngoing
Amex Platinum
Platinum
5% 3 mths 1.50%
Annually
Deposit on Card
Apply >
[more info]
Barclaycard Cash Back
Cash Back
4% until Sep 2008 0.50%
Monthly
Deposit on Card
Apply >
[more info]
Capital One 'Low Rate' Card
'Low Rate' Card
N/A N/A 0.50%
Annually
Deposit on Card
Apply >
[more info]

Introductory Offer

Balance Transfer Rate:
N/A
Balance Transfer Fee:
N/A
Purchase Rate:
N/A

Typical APR

Purchases:
18.9% p.a.
Balance Transfers:
18.9% p.a.
Cash Advance:
22.9% p.a.

Standard Features

Credit Limit:
£50,000
Interest Free Days:
Up to 56 days
Online Banking:
Yes

Cashback

Intro Cashback Rate:
5% 3 mths
Standard Cashback Rate:
1.50%

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of the UK
  • You have a bank or building society account
  • You have a Household income of over £20,000.pa

Introductory Offer

Balance Transfer Rate:
0% for 12 mths
Balance Transfer Fee:
2.50%
Purchase Rate:
N/A

Typical APR

Purchases:
16.9% p.a.
Balance Transfers:
16.9% p.a.
Cash Advance:
27.9% p.a.

Standard Features

Credit Limit:
Subject to Status
Interest Free Days:
Up to 56 days
Online Banking:
Yes

Cashback

Intro Cashback Rate:
4% until Sep 2008
Standard Cashback Rate:
0.50%

Approval Criteria

  • You are at least 21Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of the UK
  • You have a bank or building society account
  • You have an income over £20,000 p.a

Introductory Offer

Balance Transfer Rate:
8.50% Until Paid in Full
Balance Transfer Fee:
N/A
Purchase Rate:
N/A

Typical APR

Purchases:
8.50% p.a.
Balance Transfers:
8.50% p.a.
Cash Advance:
25.94% p.a.

Standard Features

Credit Limit:
£16,000 Max
Interest Free Days:
Up to 56 days
Online Banking:
Yes

Cashback

Standard Cashback Rate:
0.50%

Approval Criteria

  • You have an excellent Credit History
  • You are at least 21 Years of Age
  • You are a permanent resident/citizen of the UK
  • You have a bank or building society account
  • You have an income over £10,000 p.a

Credit Cards for Rewards

CardIssuerRewardsApply
MBNA bmi Card
£1 = 1.5 miles. Spend £250 on your card (within first 90 days) and get FREE 20,000 miles = Return Flight to Spain or Italy!
Apply >
[more info]
BT Credit Card
Get money off your BT Phone Bill every time you spend on your card.
Apply >
[more info]
Sony Card
Get 3000 FREE SonyCard Pulsebeats when you first use your SonyCard - that's enough to claim two FREE Movie DVDs!!
Apply >
[more info]
Amex BlueSky
£1 = 1 Point. Reward points are redeemable against travel-related charges such as airline, car hire, rail, cruise, travel package/agencies, hotel, online travel sites where the purchase has been charged to Blue Sky Card.
Apply >
[more info]
GM Credit Card
Rebate Points are earned at the rate of 3% of your spend. 1 Rebate Point is equivalent to a £1 saving off the price of A new Saab or Vauxhall - Save up to £2,500!
Apply >
[more info]