Compare our top 10 credit cards in November

Card Introductory Offer Balance Transfer Fee Representative APR (Variable)
Halifax Balance Transfer Credit Card 0% on balance transfers for 28 months, & on purchases for 6 months 2.45% 18.9%
APR
Key points View card rates
plus Great 0% balance transfer offer
plus Reduced BT fee of 2.45%
plus Move MBNA, Virgin & Barclaycard balances
plus Deals on travel, entertainment & shopping
minus No transfers from other HBOS cards
Key Selling Point
Great introductory balance transfer offer of 28 months at 0% gives an alternative to those carrying debt on MBNA, Virgin and Barclaycard. There's a current promotion where the balance transfer fee is reduced by 0.55% to 2.45%
Balance Transfer Limit £
£3,000
ATM £ Cash Charge
3% min. £3
Surcharge on Overseas Transactions
2.95%
ATM £ Cash Charge Abroad
3% min. £3
Maximum Credit Limit
Subject to status
Recommended Minimum Age
18
Recommended Minimum Income
£20,000
Annual Fee
No
Annual interest rate on purchases
18.95% > p.a.
Annual rate on balance transfers
18.95% > p.a.
Annual interest rate on cash advances
27.95%
Credit rating needed
Fair to Good
Representative example: 18.95% p.a. (variable) on card purchases. Equivalent to 18.9% APR representative (variable) based on a credit limit of £1,200.
Nationwide Select Credit Card 0% on balance transfers for 26 months, 0% on purchases for 15 months 2.4% 15.9% APR
Key points View card rates
plus 0% on balance transfers for 26 mths
plus 0% on purchases for 15 months
plus NO foreign currency surcharges
plus Low APR
minus Must have a Nationwide FlexDirect account or
minus FlexAccount with a Visa debit card
Key Selling Point
A great deal for the card holder all round with an unbiased charging structure and very competitive APR across all card usage. This is one of the only true credit cards in the UK with no overseas or foreign currency surcharges
Balance Transfer Limit £
Subject to status
ATM £ Cash Charge
2.5% minimum £3
Surcharge on Overseas Transactions
NO
ATM £ Cash Charge Abroad
2.5% min £3
Minimum Repayment Amount
£25
Minimum Repayment Percentage
1%
Maximum Credit Limit
Subject to status
Recommended Minimum Age
21
Recommended Minimum Income
£20,000
Annual interest rate on purchases
15.9%
Annual rate on balance transfers
15.9%
Annual interest rate on cash advances
27.9%
Credit rating needed
Good
15.9% APR Representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 15.9% p.a. (variable)
Capital One Aspire World MasterCard 5% cash back in 1st 3 months + unlimited cash back of 1.25% on all future spending N/A 19.9%
APR
Key points View card rates
plus 5% cash for 1st 3 months up to £100
plus 1.25 % cashback on all purchases thereafter
plus No longer has an annual fee
plus Capital One Identity Alert
minus Only available to those with perfect credit
minus No balance transfer or purchases deal
Key Selling Point
5% cash back for 1st 3 months (up to £100) and 1.25% cash back thereafter
Balance Transfer Limit £
N/A
ATM £ Cash Charge
3% min. £3
Surcharge on Overseas Transactions
2.75%
ATM £ Cash Charge Abroad
3% min. £3
Minimum Repayment Amount
£5
Minimum Repayment Percentage
1%
Maximum Credit Limit
£7,500
Recommended Minimum Age
21
Recommended Minimum Income
£20,000
Annual Fee
No
Annual interest rate on purchases
19.94%
Annual rate on balance transfers
19.94%
Annual interest rate on cash advances
19.94%
Credit rating needed
Perfect
Representative example: 19.94% p.a. (variable) on purchases. Equivalent to 19.9% APR representative (variable) based on credit limit of £1,200
American Express Nectar Credit Card 20,000 Nectar bonus points, worth £100 on spend of >£2000 1st 3 months N/A 25.0%
APR
Key points View card rates
plus 20,000 bonus Nectar points promotion
plus Up to 4 Nectar points /£1 at Nectar Partners
plus 2 Nectar points /£1 almost everywhere else
minus £25 annual fee
Key Selling Point
All the usual American Express benefits, plus loads of Nectar Rewards Points. Currently there's a promotion on of 20,000 extra nectar points on spend of over £2000 in the 1st three months of having the card
Balance Transfer Limit £
Subject to status
ATM £ Cash Charge
3% min £3
Surcharge on Overseas Transactions
2.99%
ATM £ Cash Charge Abroad
3% min £3
Minimum Repayment Amount
£25
Minimum Repayment Percentage
2%
Maximum Credit Limit
Subject to status
Recommended Minimum Age
21
Recommended Minimum Income
£30,000
Annual Fee
£25
Annual interest rate on purchases
19.9%
Annual rate on balance transfers
19.9%
Annual interest rate on cash advances
27.9%
Credit rating needed
Good
Representative example: 25.0% p.a. (variable) on card purchases. Equivalent to 25.0% APR representative (variable) based on credit limit of £1,20
BA Premium Plus American Express Credit Card 25,000 bonus Avios if you spend £3000 in the 1st 3 months 3% 56.4%
APR
Key points View card rates
plus Seasonal promotion, 18,000 free Avios
plus 3 Avios per £ spent at BA, 1.5 /£ normally
plus Purchase protection & travel insurance
plus Companion ticket on spend over £10k p.a.
minus Annual fee
Key Selling Point
Big Avios collecting opportunity, comprehensive travel insurance
Balance Transfer Limit £
Subject to Status
ATM £ Cash Charge
3% min £3
Surcharge on Overseas Transactions
2.99%
ATM £ Cash Charge Abroad
3% min £3
Minimum Repayment Amount
£5
Minimum Repayment Percentage
2.5%
Maximum Credit Limit
Subject to Status
Recommended Minimum Age
18
Recommended Minimum Income
£30,000
Annual Fee
£150
Annual interest rate on purchases
19.9%
Annual rate on balance transfers
N/A
Annual interest rate on cash advances
27.9%
Credit rating needed
Good
Representative 56.4% APR variable. Based on annual fee of £150 and assumed credit limit of £1200. Interest rate for purchases: 19.9% p.a. variable
American Express Platinum Cashback Credit Card 5% cashback 1st 3 mths, 1.25% thereafter 3% 18.7%
APR
Key points View card rates
plus 5% cashback for first 3 months, up to £100
plus Double cash-back every 13th month
plus Enhanced purchase protection
plus Quality American Express insurances
minus £25 annual fee
minus No balance transfer deal
Key Selling Point
Market leading cash-back card if managed correctly, now with 0% for 6 months on purchases
Balance Transfer Limit £
Subject to Status
ATM £ Cash Charge
3% or £3
Surcharge on Overseas Transactions
2.99%
ATM £ Cash Charge Abroad
3% or £3
Minimum Repayment Amount
£25.00
Minimum Repayment Percentage
2%
Maximum Credit Limit
Subject to Status
Recommended Minimum Age
21
Recommended Minimum Income
£20,000
Annual Fee
If dormant £25
Annual interest rate on purchases
14%
Annual rate on balance transfers
N/A
Annual interest rate on cash advances
27.9% p.a.
Credit rating needed
Good
Representative 18.7% APR variable. Based on assumed credit limit of £1,200. Interest rate for purchases 14.0% p.a. variable.
Orange Prepaid Credit Card Orange rewards points 1 for every £1 spent Prepaid Prepaid
Key points View card rates
plus Contactless payment
plus Very competitive charging structure
plus Orange rewards points
plus FREE loading via bank or debit card
minus What's not to love!
Key Selling Point
Orange rewards points that can be spent on most things Orange related; new phones, credit, text & calling minutes. Competitive charging structure!
ATM £ Cash Charge
2.95%
Surcharge on Overseas Transactions
2.75%
Pay monthly or Pay-as-you-go
Neither!
Setup Fee
£5
Free loading?
Debit card or Orange shop
Monthly fee
No
Maximum load
£500
Purchase protection included?
No
Accumulate Orange rewards points, 1 for every £1 you spend. These can be exchanged for new phones, or phone credit.

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