Top Up Credit Card

Compare Top-Up credit card deals and apply online...

 

A top up credit card (also known as a prepaid credit card) allows you to keep control of your spending because it only lets you spend what you have. A top up credit card works like a pay as you go phone – you have to load credit onto it before you can use it. Other features of top up credit cards include:

 

  • Helping you to rebuild your credit rating
  • No interest to pay
  • You can’t get into debt with them
  • They’re safer than carrying cash
  • Pay bills, shop online and withdraw cash from ATMs

 

Because different credit card providers charge different fees and offer various benefits, it 's important to compare top up credit card deals to make sure you get the best one for you. Use the tables below to compare some of the latest pre-paid credit card deals:

Latest Top-Up Credit Card Deals
ProviderInitial FeeMonthly FeeWithdrawal FeeApply
£4.50 - £5.00None£0.75More Info >
ClearCash Pay As You Go Prepaid MasterCard
  • No bank account needed, and no credit checks
  • Available as Pay As You Go or Pay Monthly
  • Access to cashback site, budgeting tools, numerous loading options
  • If you have a poor credit rating Creditbuilder™ could help you
  • Cashback rewards available
  • Main cardholder must be 18 or older (Additional cardholders must be 13 or older)
  • Minimum amount of initial load up on card £10
  • Maximum load on card £5,000
  • Maximum single transaction spend £800
£4.95£9.95£2 (UK)More Info >
Cashplus Prepaid MasterCard (Activeplus)
  • No ATM, monthly or UK purchase fees for the first 3 months
  • The first UK prepaid card that could help you establish or build your credit rating at no extra cost
  • No foreign exchange fees
  • Earn up to 27% cashback on most things you buy online
  • Free payments and transfers
  • Main cardholder must be 18 or older (Additional cardholders must be 13 or older)
  • 4 maximum additional cards
  • Minimum amount of initial load up on card £10
  • Maximum load on card £5,000
  • Maximum single transaction spend £800
£4.50 - £5.00£9.99£0.50More Info >
ClearCash Pay Monthly Prepaid MasterCard
  • Designed as a great alternative to a bank account - no credit checks required 
  • One monthly fee, no transaction fees.  
  • Budgeting tools, SMS balance facility, discounts on shopping, and more  
  • Get discounts on Virgin products and services (terms and conditions apply)
  • Main cardholder must be 18 or older (additional cardholders must be 13 or older)
  • Minimum initial card top up £10
  • Maximum load on card £5,000
  • Maximum single transaction spend £800
   More Info >
Cardonebanking Current Account

  • No credit checks**
  • No account opening fee 
  • UK call centre
  • No bounced payment fees
  • Cardonebanking Prepaid Debit MasterCard
  • Free text alerts each time money is paid in
  • Free text alerts if your bills cannot be paid
  • Manage your account online, by text and by phone 24/7
  • Must be 18 or older
  • Maximum card balance £5,000
  • £12.50 monthly fee
  • Additional card charged at £5 per month
  • Other charges apply for ATM withdrawals and overseas card usage (see terms and conditions for details)

Fair Investment Company is independent and provides a selection of some of the leading credit card deals available. Our service does not compare or contrast all of the credit card deals currently available in the market.

 

* See Credit Card Provider Terms & Conditions

0% on Purchase Credit Card Deals
ProviderRepresentative APR (Variable)PurchasesBalance TransferApply
18.9%

0% for 27 months

0% for 16 months

More Info >
Post Office Matched Credit Card (Provided by Bank of Ireland UK)
Representative 18.9% APR variable. Based on assumed borrowing of £1,200.
  • 0% on purchases for the first 27 months
  • 0% on balance transfers for 16 months (2.98% fee)
  • No cash fee if you purchase Post Office Travel Money 
  • Must be 18 or older
  • Must be a UK resident
  • Must not already hold a Post Office Credit Card
  • Transaction must be made with 3 months of account opening otherwise 0% purchase period reduced to 16 months
  • Balance transfer must be made with 3 months of account opening

Post Office Credit Card is provided by Bank of Ireland UK.

18.9%

0% for 26 months

0% for 12 months

More Info >

Yorkshire Bank Gold MasterCard

Representative 18.9% APR variable. Based on assumed borrowing of £1200.

  • 0% interest on purchases for 26 months from account opening
  • 0% on balance transfers for 12 months from account opening
  • Contactless card - for payments under £20 
  • MasterCard Secure Code - for safer online shopping 
  • Must be aged 18 or over and resident in UK 
  • 0% interest period starts from the day you open your card account
  • Credit limit subject to status
18.9%

0% for 26 months

0% for 12 months

More Info >

Clydesdale Bank Gold MasterCard

Representative 18.9% APR variable. Based on assumed borrowing of £1200.

  • 0% interest on purchases for 26 months from account opening
  • 0% on balance transfers for 12 months from account opening
  • Contactless card - for payments under £20 
  • MasterCard Secure Code - for safer online shopping 
  • Must be aged 18 or over and resident in UK 
  • 0% interest period starts from the day you open your card account
  • Credit limit subject to status
18.9%

0% for 15 months

0% for 15 months

More Info >

Santander Everyday Credit Card

Representative Example: Representative 18.9% APR variable. Based on assumed borrowing of £1,200.  

  • 0% for 15 months on purchases
  • 0% for 15 months on balance transfers, with no transfer fee
  • No monthly fee
  • Up to 56 days interest free credit on purchases when you pay your balance in full and on time each month, even after the interest free period has ended 
  • Get five cashback offers of up to 25% from a range of major retailers when you switch on Retailer Offers, via Online or Mobile Banking. Ongoing cashback  - get cashback offers of up to 15% at a variety of online and high street retailers
  • Online and Mobile Banking so that you can manage your account whenever, wherever 
  • Apple Pay so that you can pay with your device at contactless terminals when you link your card to your iPhone 6 (or later) or Apple Watch
  • Up to 3 additional cards for family members at no extra cost
  • Must be aged 18 or over
21.7%

0% for 6 months

0% for 40 months

More Info >

Santander All in One Credit Card

Representative Example: Representative 21.7% APR variable. Based on assumed borrowing of £1,200.  

  • 0% for 6 months on purchases
  • 0% for 40 months on balance transfers, with 1% transfer fee
  • 0.5% cashback on all purchases with no limit
  • No foreign transaction fees on purchases and cash withdrawals abroad when made in the local currency (A cash withdrawal fee of 3% (minimum £3) applies to each withdrawal and interest is charged immediately).
  • Get five cashback offers of up to 25% from a range of major retailers when you switch on Retailer Offers, via Online or Mobile Banking. Ongoing cashback  - get cashback offers of up to 15% at a variety of online and high street retailers. 
  • Online and Mobile Banking so that you can manage your account whenever, wherever 
  • Apple Pay so that you can pay with your device at contactless terminals when you link your card to your iPhone 6 (or later) or Apple Watch
  • Up to 3 additional cards for family members at no extra cost
  • £3 pm (£36 pa) 
  • Must be aged 18 or over
18.9%

0% for 3 months

0% for 37 months

More Info >
Post Office Balance Transfer Credit Card (Provided by Bank of Ireland UK)
Representative 18.9% APR variable. Based on assumed borrowing of £1,200.
  • 0% on balance transfers for 37 months (2.49% fee)
  • 0% on purchases for the first 3 months
  • No cash fee if you purchase Post Office Travel Money 
  • Must be 18 or older
  • Must be a UK resident
  • Must not already hold a Post Office Credit Card
  • Balance transfer must be made with 3 months of account opening

Post Office Credit Card is provided by Bank of Ireland UK.

17.8%

0% for 3 months

0% for 22 months

More Info >
Post Office Platinum Credit Card (Provided by Bank of Ireland UK)
Representative 17.8% APR variable. Based on assumed borrowing of £1,200.

  • 0% on balance transfers for 22 months, with no fee
  • No fees on purchases overseas
  • No cash fee if you purchase Post Office Travel Money 
  • Must be 18 or older
  • Must be a UK resident
  • Must not already hold a Post Office Credit Card
  • Balance transfer must be made with 3 months of account opening

Post Office Credit Card is provided by Bank of Ireland UK.

11.1%

6.90%

6.90%

More Info >

NatWest Clear Rate Platinum Card

Representative Example: 11.1% APR variable, based on assumed borrowing of £1,200. Standard interest rate for purchases 6.90% pa (variable)

  • One low rate of 6.90% pa (variable) for balance transfers and purchases
  • Manage your account online or with 24/7 telephone banking
  • No balance transfer fees
  • Must be 18 or older
  • Must be a UK resident
  • Balance transfers permitted up to 95% of credit limit only
  • £24 annual fee

11.1%

6.90%

6.90%

More Info >
Royal Bank of Scotland Clear Rate Platinum Card
Representative Example: 11.1% APR variable, based on assumed borrowing of £1,200. Standard interest rate for purchases 6.90% pa (variable)

  • One low rate of 6.90% pa (variable) for balance transfers and purchases
  • Manage your account online or with 24/7 telephone banking
  • No balance transfer fees
  • Must be 18 or older
  • Must be a UK resident
  • Balance transfers permitted up to 95% of credit limit only
  • £24 annual fee

23.7%

18.9%

18.9%

More Info >

NatWest Reward Card

Representative Example: 23.7% APR variable, based on assumed borrowing of £1,200. Standard interest rate for purchases and balance transfers 18.9% pa (variable)

  • 18.9% pa (variable) for purchases and balance transfers
  • 1% Reward in all Supermarkets (0.5% at their petrol stations)
  • At least 1% at MyRewards retailers and 0.5% everywhere else you shop at home and abroad
  • 1% if you use contactless until 30th June 2016
  • 1%  on payments up to £30 you make using Apple Pay in stores until 30th June 2016
  • Refund of the annual fee if also have a Reward current account
  • Must be 18 or older
  • Must be a UK resident
  • £24 annual fee

18.9%

18.9% pa

N/a

More Info >

Santander Zero Credit Card

Representative Example: Representative 18.9% APR variable. Based on assumed borrowing of £1,200.  

  • No foreign transaction fees on purchases and cash withdrawals abroad when made in the local currency
  • No cash withdrawal fees at home and abroad (interest is charged immediately on cash withdrawals and some independent ATM providers may charge a withdrawal fee).
  • No monthly fee
  • Up to 56 days interest free credit on purchases when you pay your balance in full and on time each month. 
  • Get five cashback offers of up to 25% from a range of major retailers when you switch on Retailer Offers, via Online or Mobile Banking. Ongoing cashback  - get cashback offers of up to 15% at a variety of online and high street retailers
  • Online and Mobile Banking so that you can manage your account whenever, wherever 
  • Apple Pay so that you can pay with your device at contactless terminals when you link your card to your iPhone 6 (or later) or Apple Watch
  • Up to 3 additional cards for family members at no extra cost
  • Must be aged 18 or over

Fair Investment Company is independent and provides a selection of some of the leading credit card deals available. Our service does not compare or contrast all of the credit card deals currently available in the market.

 

* See Credit Card Provider Terms & Conditions