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Compare our top 10 credit cards in May
Card
Introductory Offer
Balance Transfer Fee
Representative APR (Variable)
 |
Barclaycard Platinum Balance Transfer Credit Card (26 mth) | 0% on balance transfers for 26 months & purchases for 6 months | 3.5% | 18.9% APR |
Key points
View card rates
Long 0% on balance transfers offer
£10 BT fee refund on transfers of < £2k
Fair interest rates after 0% period
Comes with Barclaycard PayTag
No transfers from other Barclaycards
No money transfer facility
Long 0% on balance transfers offer £10 BT fee refund on transfers of < £2k Fair interest rates after 0% period Comes with Barclaycard PayTag No transfers from other Barclaycards No money transfer facilityKey Selling Point
The longest 0% on balance transfer periods on the UK market at 26 months, now with 6 months 0% on purchases
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
18.9%
Annual rate on balance transfers
18.9%
Annual interest rate on cash advances
27.9% p.a.
Credit rating needed
Fair to Good
Representative example: 18.9% p.a. (variable) on card purchases. Equivalent to 18.9% APR representative (variable) based on credit limit of £1,200.
 |
NatWest Platinum Credit Card | 0% on balance transfers for 26 months, 0% on purchases for 6 months | 2.65% min. £5 | 18.9% APR |
Key points
View card rates
0% on balance transfers for 26 mths
Now with 0% on purchases for 6 mths
17.95% APR for NW Advantage Gold Cust.
NatWest Travel Service
No balance transfers from NW /RBS
0% on balance transfers for 26 mths Now with 0% on purchases for 6 mths 17.95% 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 transfers need to be made within 6 months to get promotional rate.
Balance Transfer Limit £
95% of credit limit
Cash Advances
Yes
ATM £ Cash Charge
2.65% handling fee, min £5
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
18.95% > p.a.
Annual rate on balance transfers
18.95% > p.a.
Annual interest rate on cash advances
27.95%
Credit rating needed
Good
Representative example: 18.95% p.a. (variable) on card purchases. Equivalent to 18.9% APR representative (variable) based on credit limit of £1,200.
 |
Nationwide Select Credit Card | 0% on balance transfers for 20 months, 0% on purchases for 12 months | 3.1% | 12.9% APR |
Key points
View card rates
0% on balance transfers for 20 mths
0% on purchases for 12 months
NO foreign currency surcharges
Low APR
Must have a Nationwide FlexDirect account or
FlexAccount with a Visa debit card
0% on balance transfers for 20 mths 0% on purchases for 12 months NO foreign currency surcharges Low APR Must have a Nationwide FlexDirect account or 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
12.9%
Annual rate on balance transfers
12.9%
Annual interest rate on cash advances
27.9%
Credit rating needed
Good
12.9% APR Representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 12.9% p.a. (variable)
 |
Halifax Balance Transfer Credit Card | 0% on balance transfers for 25 months, & on purchases for 3 months | 2.5% | 18.9% APR |
Key points
View card rates
Great 0% balance transfer offer
Reduced BT fee of 2.5%
Move MBNA, Virgin & Barclaycard balances
Deals on travel, entertainment & shopping
No transfers from other HBOS cards
Great 0% balance transfer offer Reduced BT fee of 2.5% Move MBNA, Virgin & Barclaycard balances Deals on travel, entertainment & shopping No transfers from other HBOS cardsKey Selling Point
Great introductory balance transfer offer of 25 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 0.5% to 2.5%
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.
 |
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
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
 |
American Express Nectar Credit Card | 10,000 Nectar bonus points, worth £50 on spend of >£1000 1st 3 months | N/A | 19.9% APR |
Key points
View card rates
10,000 bonus Nectar points promotion
Up to 4 Nectar points /£1 at Nectar Partners
2 Nectar points per £1 virtually everywhere else
500 MorePoints for every £500 you spend
10,000 bonus Nectar points promotion Up to 4 Nectar points /£1 at Nectar Partners 2 Nectar points per £1 virtually everywhere else 500 MorePoints for every £500 you spendKey Selling Point
All the usual American Express benefits, plus loads of Nectar Rewards Points. Currently there's a promotion on of 5,000 extra nectar points on spend of over £500 in the 1st three months of having the card.
Balance Transfer Limit £
Subject to status
ATM £ Cash Charge
3% mi.n £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
No
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: 19.9% p.a. (variable) on card purchases. Equivalent to 19.9% APR representative (variable) based on credit limit of £1,200.
 |
BA Premium Plus American Express Credit Card | 18,000 bonus Avios if you spend £3000 in the 1st 3 months | 3% | 56.4% APR |
Key points
View card rates
Seasonal promotion, 18,000 free Avios
3 Avios per £ spent at BA, 1.5 /£ normally
Purchase protection & travel insurance
Companion ticket on spend over £10k p.a.
Annual fee
Seasonal promotion, 18,000 free Avios 3 Avios per £ spent at BA, 1.5 /£ normally Purchase protection & travel insurance Companion ticket on spend over £10k p.a. Annual feeKey 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
|
Nationwide Credit Card | 0% on balance transfers for 20 months, 0% on purchases for 3 months | 3.1% | 15.9% APR |
Key points
View card rates
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. Applicants can opt for 0% for 6 months on purchases instead of balance transfer offer.
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
£25
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.
 |
American Express Platinum Cashback Credit Card | 5% cashback 1st 3 mths, 1.25% thereafter | 3% | 18.7% APR |
Key points
View card rates
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 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
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%
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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