Compare our top 10 credit cards in February
Card
Introductory Offer
Balance Transfer Fee
Representative APR (Variable)
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Barclaycard Platinum Balance Transfer Credit Card (22 mth) | 0% on balance transfers for 22 months & purchases for 3 months | 2.9% | 17.9% APR |
Key points
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Long 0% on balance transfers offer
Fair interest rates after 0% period
Paperless statements
No transfers from other Barclaycards
No money transfer facility
Long 0% on balance transfers offer Fair interest rates after 0% period Paperless statements No transfers from other Barclaycards No money transfer facilityKey Selling Point
One of the longest 0% on balance transfers period on UK market at 22 months
Balance Transfer Limit £
Subject to Status
ATM £ Cash Charge
2.5%
Surcharge on Overseas Transactions
2.75%
ATM £ Cash Charge Abroad
2.5%
Minimum Repayment Amount
£5
Minimum Repayment Percentage
2.25%
Maximum Credit Limit
Subject to Status
Recommended Minimum Age
21
Recommended Minimum Income
£20,000
Annual Fee
No
Annual interest rate on purchases
17.9%
Annual rate on balance transfers
17.9%
Annual interest rate on cash advances
27.9% p.a.
Credit rating needed
Fair to Good
Representative example: 17.9% p.a. (variable) on card purchases. Equivalent to 17.9% APR representative (variable) based on credit limit of £1,200.
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HSBC Credit Card | 0% for 23 months on balance transfers & up to 8% discount on Thomas Cook | 3.3% min £5 | 17.9% APR |
Key points
View card rates
0% for 23 months on balance transfers
0% for 3 months on new purchases
Up to 8% discount on Thomas Cook
Global assistance package
No transfers from other HSBC cards
Only available to HSBC account customers
0% for 23 months on balance transfers 0% for 3 months on new purchases Up to 8% discount on Thomas Cook Global assistance package No transfers from other HSBC cards Only available to HSBC account customersKey Selling Point
Great all round package, competitive APR as well as one of the longest 0% on balance transfer periods.
Balance Transfer Limit £
Subject to Status
ATM £ Cash Charge
2.99% min. £3
Surcharge on Overseas Transactions
2.99%
ATM £ Cash Charge Abroad
2.99%
Minimum Repayment Amount
£5
Minimum Repayment Percentage
2.5%
Maximum Credit Limit
Subject to Status
Recommended Minimum Age
18
Recommended Minimum Income
£8,500
Annual Fee
No
Annual interest rate on purchases
17.9%
Annual rate on balance transfers
17.9%
Annual interest rate on cash advances
21.7%
Credit rating needed
Good
Representative example: 17.9% p.a. (variable) on card purchases. This is equivalent to 16.(% APR representative (variable) based on a credit limit of £1,200.
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NatWest Platinum Credit Card | 0% on balance transfers for 20 months, 0% on purchases for 6 months | 2.9% min. £5 | 17.9% APR |
Key points
View card rates
0% on balance transfers for 20 mths
Now with 0% on purchases for 6 mths
16.95% APR for NW Advantage Gold Cust.
NatWest Travel Service
No balance transfers from NW /RBS
0% on balance transfers for 20 mths Now with 0% on purchases for 6 mths 16.95% APR for NW Advantage Gold Cust. NatWest Travel Service No balance transfers from NW /RBSKey Selling Point
Great all round card, good rates for NatWest Advantage Gold account customers.
Balance Transfer Limit £
95% of credit limit
Cash Advances
Yes
ATM £ Cash Charge
3% handling fee, min £3
Surcharge on Overseas Transactions
2.75%
ATM £ Cash Charge Abroad
3% min £3
Minimum Repayment Amount
£5
Minimum Repayment Percentage
2.25%
Maximum Credit Limit
Subject to Status
Recommended Minimum Age
18
Recommended Minimum Income
£10,000
Annual Fee
No
Annual interest rate on purchases
17.95%
Annual rate on balance transfers
17.95%
Annual interest rate on cash advances
27.95%
Credit rating needed
Good
Representative example: 17.95% p.a. (variable) on card purchases. Equivalent to 17.9% APR representative (variable) based on credit limit of £1,200.
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Capital One 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
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5% cash for 1st 3 months up to £100
1.25 % cashback on all purchases thereafter
No longer has an annual fee
Capital One Identity Alert
Only available to those with perfect credit
No balance transfer or purchases deal
5% cash for 1st 3 months up to £100 1.25 % cashback on all purchases thereafter No longer has an annual fee Capital One Identity Alert Only available to those with perfect credit No balance transfer or purchases dealKey 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
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Virgin Money Credit Card | 0% on balance & money transfers for 20 months & purchases for 3 months | 2.99% | 16.8% APR |
Key points
View card rates
£ transfers as well as balance transfers
Great all round package
Discounts with many Virgin Companies
Competitive APR
No transfers from MBNA or Virgin cards
£ transfers as well as balance transfers Great all round package Discounts with many Virgin Companies Competitive APR No transfers from MBNA or Virgin cardsKey Selling Point
If you can clear any balance or money transfers within 20 months, this is a great package
Balance Transfer Limit £
Subject to Status
ATM £ Cash Charge
3% handling fee
Surcharge on Overseas Transactions
2.99%
ATM £ Cash Charge Abroad
2.99%
Minimum Repayment Amount
£25
Minimum Repayment Percentage
1%
Maximum Credit Limit
Subject to Status
Recommended Minimum Age
23
Annual Fee
No
Annual interest rate on purchases
16.8%
Annual rate on balance transfers
18.9%
Annual interest rate on cash advances
27.9% p.a.
Credit rating needed
Good
Representative example: 16.8% p.a. (variable) on card purchases. Equivalent to 16.8% APR representative (variable) based on a credit limit of £1,200.
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Tesco Clubcard Credit Card | 0% on purchases for 15 months & balance transfers for 9 months | 2.9% | 16.9% APR |
Key points
View card rates
Doubles as Tesco Clubcard
Wide variety of rewards on spending
Points can be converted to Avios
Allows £ transfers to your bank account
No interest free period on money transfers
Doubles as Tesco Clubcard Wide variety of rewards on spending Points can be converted to Avios Allows £ transfers to your bank account No interest free period on money transfersKey Selling Point
Market leading 'purchases card', 0% for 15 months
Balance Transfer Limit £
Subject to Status
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
3%
Maximum Credit Limit
Subject to Status
Recommended Minimum Age
18
Recommended Minimum Income
£5,000
Annual Fee
No
Annual interest rate on purchases
16.945% >
Annual rate on balance transfers
18.268% >
Annual interest rate on cash advances
24.942%
Credit rating needed
Average
Representative example: 16.9% APR (variable). Based on credit limit of £1,200 & a purchase rate of 16.9% (variable). Credit limit varies depending on your circumstances.
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American Express Platinum Cashback Credit Card | 5% cashback 1st 3 mths, 1.25% thereafter, 0% on purchases for 6 mths | 3% | 18.5% APR |
Key points
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5% cashback for first 3 months, up to £100
Double cash-back every 13th month
Enhanced purchase protection
Quality American Express insurances
£25 annual fee
No balance transfer deal
5% cashback for first 3 months, up to £100 Double cash-back every 13th month Enhanced purchase protection Quality American Express insurances £25 annual fee No balance transfer dealKey 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 example: 18.5% p.a. (variable) on purchases. Equivalent to 18.5% APR representative (variable) based on credit limit of £1,200.
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Nationwide Credit Card | 0% on balance transfers for 17 months, 0% on purchases for 3 months | 2.95% | 15.9% APR |
Key points
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Low representative APR
Complete all round package
Low overseas surcharges
Competitive Balance Transfer deal
No transfers from other Nationwide cards
Low representative APR Complete all round package Low overseas surcharges Competitive Balance Transfer deal No transfers from other Nationwide cardsKey Selling Point
A fair deal for the card holder all round with an unbiased charging structure and very competitive APR
Balance Transfer Limit £
Subject to Status
ATM £ Cash Charge
2.5% minimum £3
Surcharge on Overseas Transactions
Up to 2%
ATM £ Cash Charge Abroad
2.5%, min. £3
Minimum Repayment Amount
£5
Minimum Repayment Percentage
3%
Maximum Credit Limit
Subject to Status
Recommended Minimum Age
25
Recommended Minimum Income
£25,000
Annual Fee
No
Annual interest rate on purchases
From 9.9%
Annual rate on balance transfers
From 9.9%
Annual interest rate on cash advances
27.9% p.a.
Credit rating needed
Good
Representative example: 15.9% p.a. (variable) on card purchases. Equivalent to 15.9% APR representative (variable) based on credit limit of £1,200.
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Play.com Credit Card | 0% for 6 months on balance transfers, 1,500 bonus Play points | 1.5% (1st 90 days) | 16.9% APR |
Key points
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1500 PlayPoints when you spend £150
2 play points each £1 spent at play.com
1 play point each £1 spent elsewhere
Low 1.5% balance tranfer fee (1st 90 days)
No transfers from MBNA or Virgin cards
1500 PlayPoints when you spend £150 2 play points each £1 spent at play.com 1 play point each £1 spent elsewhere Low 1.5% balance tranfer fee (1st 90 days) No transfers from MBNA or Virgin cardsKey Selling Point
Lots of Play.com rewards (Playpoints)
Balance Transfer Limit £
Subject to Status
ATM £ Cash Charge
3%
Surcharge on Overseas Transactions
2.99%
ATM £ Cash Charge Abroad
3%
Minimum Repayment Amount
£25
Minimum Repayment Percentage
1%
Maximum Credit Limit
Subject to Status
Recommended Minimum Age
23
Recommended Minimum Income
£20,000
Annual Fee
No
Annual interest rate on purchases
16.9% p.a.
Annual rate on balance transfers
18.9% p.a.
Annual interest rate on cash advances
27.9% p.a.
Credit rating needed
Good
Representative example: 16.9% p.a. (variable) on purchases. Equivalent to 16.9% APR representative (variable) based on a credit limit of £1,200.
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Orange Prepaid Credit Card | Orange rewards points 1 for every £1 spent | Prepaid | Prepaid |
Key points
View card rates
Contactless payment
Very competitive charging structure
Orange rewards points
FREE loading via bank or debit card
What's not to love!
Contactless payment Very competitive charging structure Orange rewards points FREE loading via bank or debit card 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%
Annual interest rate on purchases
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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