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Card Choices Top 10 for September
| Card | Intro Offer | APR Typical (variable) |
Balance Transfer Fee |
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NatWest Platinum Credit Card | 0% on balance transfers for 16 months, 0% on purchases for 3 months | 16.9% APR | 2.9% |
 
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Balance Transfer Limit
95% of credit limit
Cash Advances
Yes
Cash Advance Charge
3% handling fee, min £3
International Purchase Charge
2.75%
International Cash Advance Charge
3% handling fee, min £3
Minimum Repayment Amount
£5
Minimum Repayment Percentage
2.25%
Maximum Credit Limit
Subject to Status
Minimum Age
18
Minimum Income
£10,000
Annual Fee
No
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Our best balance transfer offer, class leading 0% for 16 months on balance transfers, and 0% on purchases for 3 months. You can get a 1% reduction in interest rate if you’re a NatWest Advantage Gold customer. Other offers & benefits.
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Barclaycard Platinum Balance Transfer | 0% on balance trasnfers for 16 months | 16.9% APR | 2.9% |
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Balance Transfer Limit
Subject to Status
Cash Advances
Yes
Cash Advance Charge
2.5%
International Purchase Charge
2.75%
International Cash Advance Charge
2.5%
Minimum Repayment Amount
£5
Minimum Repayment Percentage
2.25%
Maximum Credit Limit
Subject to Status
Minimum Age
21 ideally
Minimum Income
£20,000
Annual Fee
No
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Currently our joint best Balance Transfer Credit Card with a fantastic 16 months of 0% on balance transfers, & 3 months of 0% on purchases. Includes other quality benefits including Barclaycard Freedom rewards and contactless payment.
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Nationwide Gold Credit Card | 0% on balance transfers for 15 months, 0% on purchases for 3 months | 16.9% APR | 3% handling fee, min £5 |
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Balance Transfer Limit
Subject to Status
Cash Advances
Yes
Cash Advance Charge
2.5% minimum £3
International Purchase Charge
1%
International Cash Advance Charge
2.5%, minimum £3
Minimum Repayment Amount
£5
Minimum Repayment Percentage
3%
Maximum Credit Limit
Subject to Status
Minimum Age
25
Minimum Income
£25,000
Annual Fee
No
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Packed with benefits, this is an excellent card. 0% on balance transfers for 15 months, 0% on purchases for 3 months, plus a low 1% overseas currency charge. Comes with Nationwide Fraud Watch & free extended warranty on many products.
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MBNA Platinum Rewards Visa Card | 0% on balance transfers for 13 months, 0% on purchases for 3 months | 16.9% APR | 2.9% |
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Balance Transfer Limit
£50,000
Cash Advances
Yes
Cash Advance Charge
3%
International Purchase Charge
2.99%
International Cash Advance Charge
3%
Minimum Repayment Amount
£25
Minimum Repayment Percentage
1%
Maximum Credit Limit
Subject to Status
Minimum Age
23
Minimum Income
£20,000
Annual Fee
No
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0% for 13 months on balance transfers, 0% on purchases for 3 months, 0% on money transfers for 13 months and a comprehensive rewards program which can be used for shopping, entertainment, travel or even turned into cash.
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CaxtonFX Currency Cards | No overseas surcharges, ideal for travellers | Prepaid | Prepaid |
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Balance Transfer Limit
N/A
Cash Advances
Yes
Cash Advance Charge
No ATM fees
International Purchase Charge
None
International Cash Advance Charge
No
Minimum Repayment Amount
Prepaid only
Minimum Repayment Percentage
Prepaid
Maximum Credit Limit
N/A
Minimum Age
18
Minimum Income
N/A
Annual Fee
No
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Our favourite card of the year, at last a currency specific prepaid card costing virtually nothing to run. Preferential currency load rates mean if you’re spending in Europe or the USA, it’ll be cheaper than using a standard £ based card.
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CashPlus Gold PrePaid Mastercard | Top prepaid card, now comes with additional Euro based card | Prepaid | Prepaid |
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Balance Transfer Limit
N/A
Cash Advances
Yes
Cash Advance Charge
£0.99 ATM
International Purchase Charge
2.99%
International Cash Advance Charge
£3.00
Minimum Repayment Amount
Prepaid only
Minimum Repayment Percentage
N/A
Maximum Credit Limit
Prepaid
Minimum Age
18
Minimum Income
N/A
Annual Fee
£4.95 / month
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Excellent prepaid card with purchase protection, cash-back & store discounts. Free additional EURO based card. CashPlus's CreditBuilder facility can help repair your credit. Secondary cards can be held by anyone over 13 years old.
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Virgin Money Credit Card | 0% on balance transfers for 14 months | 16.6% APR | 2.98% |
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Balance Transfer Limit
Subject to Status
Cash Advances
Yes
Cash Advance Charge
3% handling fee
International Purchase Charge
2.99%
International Cash Advance Charge
2.99%
Minimum Repayment Amount
£25
Minimum Repayment Percentage
1%
Maximum Credit Limit
Subject to Status
Minimum Age
18
Minimum Income
N/A
Annual Fee
No
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A great all round card, 14 months 0% on balance transfers, 0% on card purchases for 3 months & a low overall interest rate. The card also gives discounts across the Virgin Group companies, including 10% off Virgin Holidays & VIEathome.com.
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Vanquis Visa Card | Poor credit credit card, helps rebuild your credit history | 39.9% APR | N/A |
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Balance Transfer Limit
N/A
Cash Advances
Yes
Cash Advance Charge
3% handling fee, min £3
International Purchase Charge
2.99%
International Cash Advance Charge
3%
Minimum Repayment Amount
£5
Minimum Repayment Percentage
4.5%
Maximum Credit Limit
£1000 initially
Minimum Age
18
Minimum Income
£4000 p.a.
Annual Fee
None
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Easy to manage card with low initial credit limit for those with damaged credit history. Card and account revue every 4 months enables gradual increases in credit limit if the account is conducted within terms and conditions.
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American Express Platinum Cashback Credit Card | 5% cash back for the 1st three months | 19.9% APR | 3% handling fee |
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Cash Advances
Yes
Cash Advance Charge
3%
International Purchase Charge
2.99%
International Cash Advance Charge
2.99%
Minimum Repayment Amount
£50.00
Minimum Repayment Percentage
10%
Maximum Credit Limit
Subject to Status
Minimum Age
18
Annual Fee
No
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A generous 5% cash-back for the first 3 months (up to £100) up to 1.25% after that, with no limit on how much you can earn or how it’s actually spent. Purchase protection, Travel Accident Insurance and Global Assistance with no annual fee.
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O2 Money Load & Go Cash Prepaid Card | Available to anyone over 13 years old with parents permission | Prepaid | Prepaid |
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Balance Transfer Limit
N/A
Cash Advances
Yes
Cash Advance Charge
Free UK
International Purchase Charge
2.75%
International Cash Advance Charge
2.75%
Minimum Repayment Amount
Prepaid
Minimum Repayment Percentage
Prepaid
Maximum Credit Limit
N/A
Minimum Age
13
Minimum Income
No
Annual Fee
No
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Great alternative to cash available to anyone over 13 years old. O2 customers only, but free to own and operate (in the UK). Just load money (debit card or cash) & spend - receive updates on all transactions by text message.
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