Low Cost Credit Card Offer!

Balance Transfer
0% for 23 months
(3.49% balance transfer fee)
Purchase
0% for 3 months
Representative APR
24.9%
Credit History
Fair to Excellent

NatWest Longer Balance Transfer Credit Card

Balance Transfer
0% for 14 months
(no balance transfer fee)
Purchase
0% for 3 months
Representative APR
24.9%
Credit History
Fair to Excellent

NatWest Balance Transfer Credit Card

Balance Transfer
0% for 23 months
(3.49% balance transfer fee)
Purchase
0% for 3 months
Representative APR
24.9%
Credit History
Fair to Excellent

Royal Bank of Scotland Longer Balance Transfer Credit Card

Balance Transfer
0% for 14 months
(no balance transfer fee)
Purchase
0% for 3 months
Representative APR
24.9%
Credit History
Fair to Excellent

Royal Bank of Scotland Balance Transfer Credit Card

Balance Transfer
0% for up to 33 months
(balance transfer fee may apply)
Purchase
0% for up to 3 months
APR Range
21.9% to 24.7%
Credit History
Fair to Excellent

Santander Balance Transfer Credit Card

Balance Transfer
0% for up to 30 months
(balance transfer fee may apply)
Purchase
0% for up to 3 months
APR Range
21.9% to 29.9%
Credit History
Fair to Excellent

HSBC Balance Transfer Credit Card

Balance Transfer
0% for up to 20 months
(balance transfer fee may apply)
Money Transfer
0% for up to 12 months
APR Range
21.9% to 27.5%
Credit History
Fair to Excellent

Tesco Bank Balance Transfer Credit Card

Balance Transfer
0% for 17 months
(2.99% balance transfer fee)
Purchase
0% for 17 months
Representative APR
24.9%
Credit History
Fair to Excellent

NatWest Purchases & Balance Transfer Credit Card

Balance Transfer
0% for 17 months
(2.99% balance transfer fee)
Purchase
0% for 17 months
Representative APR
24.9%
Credit History
Fair to Excellent

Royal Bank of Scotland Purchases & Balance Transfer Credit Card

Purchase
0% for up to 14 months
Balance Transfer
0% for up to 3 months (balance transfer fee may apply)
APR Range
21.9% to 27.5%
Credit History
Fair to Excellent

Tesco Bank Purchase Credit Card

Balance Transfer
0% for up to 17 months
(balance transfer fee may apply)
Purchase
0% for up to 20 months
APR Range
21.9% to 29.9%
Credit History
Fair to Excellent

HSBC All in One Credit Card

Balance Transfer
0% for up to 26 months
(balance transfer fee may apply)
Purchase
0% for up to 23 months
APR Range
21.9% to 24.7%
Credit History
Fair to Excellent

Santander All in One Credit Card

Balance Transfer
0% for up to 18 months
(balance transfer fee may apply)
Purchase
0% for up to 12 months
APR Range
3.0% to 29.9%
Credit History
Fair to Excellent

Post Office All in One Credit Card

Balance Transfer
0% for 17 months
(2.99% balance transfer fee)
Purchase
0% for 17 months
Representative APR
24.9%
Credit History
Fair to Excellent

NatWest Purchases & Balance Transfer Credit Card

Balance Transfer
0% for 17 months
(2.99% balance transfer fee)
Purchase
0% for 17 months
Representative APR
24.9%
Credit History
Fair to Excellent

Royal Bank of Scotland Purchases & Balance Transfer Credit Card

Balance Transfer
0% for up to 26 months
(balance transfer fee may apply)
Purchase
0% for up to 23 months
APR Range
21.9% to 24.7%
Credit History
Fair to Excellent

Santander All in One Credit Card

Balance Transfer
0% for up to 17 months
(balance transfer fee may apply)
Purchase
0% for up to 20 months
APR Range
21.9% to 29.9%
Credit History
Fair to Excellent

HSBC All in One Credit Card

Balance Transfer
0% for up to 18 months
(balance transfer fee may apply)
Purchase
0% for up to 12 months
APR Range
3.0% to 29.9%
Credit History
Fair to Excellent

Post Office All in One Credit Card

Balance Transfer
0% for up to 12 months
(balance transfer fee may apply)
Purchase
0% for up to 12 months
APR Range
21.9% to 27.5%
Credit History
Fair to Excellent

Tesco Bank All in One Credit Card

Details
Earn 1% back in Rewards on supermarket spend
(0.25% at their petrol stations and everywhere else)
MyRewards
Get between 1-15% back
at selected MyRewards retailers
Representative APR
31.0%
Credit History
Fair to Excellent

NatWest Reward Credit Card

Details
Earn 1% back in Rewards on supermarket spend
(0.5% at their petrol stations and everywhere else)
Spending
No foreign transaction fees on purchases
Representative APR
40.7%
Credit History
Fair to Excellent

NatWest Reward Black Credit Card

Details
Earn 1% back in Rewards on supermarket spend
(0.25% at their petrol stations and everywhere else)
MyRewards
Get between 1-15% back
at selected MyRewards retailers
Representative APR
31.0%
Credit History
Fair to Excellent

Royal Bank of Scotland Reward Credit Card

Details
Earn 1% back in Rewards on supermarket spend
(0.5% at their petrol stations and everywhere else)
Spending
No foreign transaction fees on purchases
Representative APR
40.7%
Credit History
Fair to Excellent

Royal Bank of Scotland Reward Black Credit Card

Credit Card
Build or Improve Credit Rating
APR Range
34.9%
Credit History
Fair to Good

Zopa Credit Builder Credit Card

Credit Card
Build or Improve Credit Rating
APR Range
34.9% to 39.9%
Credit History
Adverse to Good

Think Money Credit Builder Credit Card

Credit Card
Build or Improve Credit Rating
APR Range
34% to 49%
Credit History
Adverse to Good

118 118 Money Credit Builder Credit Card

Credit Card
Build or Improve Credit Rating
APR Range
37.9%
Credit History
Fair to Good

Aqua Credit Builder Credit Card

Credit Card
Build or Improve Credit Rating
APR Range
21.9% to 29.9%
Credit History
Fair to Excellent

HSBC Credit Builder Credit Card

Credit Card
Build or Improve Credit Rating
APR Range
21.9% to 27.5%
Credit History
Fair to Excellent

Tesco Bank Credit Builder Credit Card

Type of Card
Pre-Paid MasterCard
Adverse Credit
Details

No credit checks – open to everyone with guaranteed acceptance. Help manage your money. Account comprises of a Billing Account for money in and to pay your bills from, plus the a Debit Mastercard® for your every day spending

Cashback

Card One Money Pre-Paid MasterCard

Credit Card
Build or Improve Credit Rating
APR Range
29.8% to 34.9%
Credit History
Adverse to Good

Capital One Credit Builder Credit Card

Credit Card
Build or Improve Credit Rating
APR Range
34.9% to 39.9%
Credit History
Adverse to Good

Ocean Finance Credit Builder Credit Card

Details
No foreign transaction fees
when you use this credit card abroad
Representative APR
12.9% p.a. (variable) on purchases and 12.9% p.a. (variable) on balance transfers
Credit History
Fair to Excellent

NatWest Credit Card

Details
No foreign transaction fees
when you use this credit card abroad
Representative APR
12.9% p.a. (variable) on purchases and 12.9% p.a. (variable) on balance transfers
Credit History
Fair to Excellent

Royal Bank of Scotland Credit Card

Type of Card
FairFX Pre-Paid Business MasterCard
No Credit Check to Open
Details

Issue FairFX MasterCards to staff, and use the online platform to instantly load cards, monitor spending, and upload transaction data in accounting software at any time

Available to
Any registered business in the EU including Sole traders, SMEs, Charities, Trusts, PLCs, & Multinationals

FairFX Pre-Paid Business MasterCard

Type of Card
Soldo Pre-Paid Business MasterCard
Integrates with Accounting Systems
Details

Take control of company spending with Soldo, the prepaid Mastercard® that does your expenses for you

Available to
Small and large businesses

Soldo Pre-Paid Business MasterCard

Type of Card
Pre-Paid MasterCard
Adverse Credit
Details

No credit checks – open to everyone with guaranteed acceptance. Help manage your money. Account comprises of a Billing Account for money in and to pay your bills from, plus the a Debit Mastercard® for your every day spending

Cashback

Card One Money Pre-Paid MasterCard

Credit Card

How To Choose & Apply For A Credit Card

Selecting the right credit card will depend largely on how you are going to use it and how often. There are a number of key considerations when picking a provider.

  • APR – The annual percentage rate of interest gives you the overall cost of the card, however it is important to understand this is only one measure of the cost of the card. The APR is based on purchases and not balance transfers and cash withdrawals where the rates of interest may be different.
  • Representative APR – Lenders will quote a “Representative APR” which is based on what 51% of people are offered. What you are actually offered will depend on your credit rating when you make an application.
  • Fees – Often found in the small print it is worth looking at what a credit card provider will charge you in the event of late or returned payments
  • Introductory Offers – There is a lot of competition for your business and Card Providers are constantly bringing out new offers. The most common are 0% interest only offers for cards for balance transfers from existing card providers and deals on purchases e.g. 0% on new purchases for a set time period. For any introductory period providers are banking on you carrying on so it is important to pay off any balances before this time so you do not incur hefty interest charges.
  • Benefits – As well as introductory periods, card providers may offer other incentives such as cashback on purchases made from specified retailers or outlets, airmiles based on monthly spend and other rewards such as concierge services and free travel insurance. You need to assess whether these are important to you – you may pay a higher interest rate for the privilege!
  • Small Print – As with all credit agreements you should read through the small print so you know what you are getting into.

What are my credit cards options if I have a bad credit record?

If your previous track record on credit is less than perfect getting a credit card may be a bit more challenging, but there are options for you depending on what you need.

Credit gets more expensive when your credit record indicates that in the past you may have had a few blips. Basically you will be seen as a higher risk when it comes to making repayments. The good news is that while there may be options for you.

  • Credit repair credit cards – These cards whilst expensive get you back on the road to building up your credit profile. Card providers such as Vanquis will increase your credit limit once they have seen your credit usage after a 5 month period.
  • Pre-paid cards – you can only spend what is loaded onto the card. If you have a recent default on a credit agreement (last 12 months) you can forget about a credit card. A prepaid card allows you to get your spending habits back on track. Once you demonstrate a year’s worth of responsible usage some card providers will forward that info onto credit agencies.
How To Improve Your Credit Score
Credit Score