Balance Transfer Credit Cards

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Company

Interest free period​

Representative APR​

Monthly repayments​
required to clear balance

Your savings​

 
  • Barclaycard Platinum 35 Month Balance Transfer Credit Card

    Barclaycard Platinum 35 Month Balance Transfer Credit Card

    Interest free period

    0% for 35 months
    (1.85% transfer fee)*

    Representative APR

    19.9% APR
    (Variable)

    Monthly repayments required to clear balance

    £58.20 for
    35 months

    Representative Example

    *Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 19.9% (variable), representative 19.9% APR (variable). Credit available subject to status. A fee of 3.5% will be applied, then reduced to 1.85% by a refund. Refunds will be made within 28 days. (Terms and conditions apply).

    Close more details

    £544.86
    over 35 months no annual fee

    More details +

    Rewards benefits:

    • £20 cashback when you transfer a balance of £1000 or more within 60 days of opening your account. Offer ends 14 May 2018. T&Cs apply

    Additional information:

    • 35 months at 0% on balance transfers, a 1.85% transfer fee applies (a fee of 3.5% will be applied, then reduced to 1.85% by a refund. Refunds will be made within 28 days. Terms and conditions apply).To qualify for this offer the balance transfer must be made within 60 days of opening your Barclaycard Platinum card
    • 0% on purchases for 6 months

    Fantastic…

    • Barclaycard PayTag enabled - Use your mobile phone for contactless payments
    • Contactless payment for items up to £30
    • Instant online decision available

    Watch out…

    • No balance transfers from other Barclaycards

    Defaqto Star Rating​

    To apply for this card you will need to complete an online application form on the provider’s site.

    Don’t forget…

    • You must be at least 21 years of age
    • Rates and offers dependent on customers credit rating
  • Virgin Money 36 Month Balance Transfer Credit Card

    Virgin Money 36 Month Balance Transfer Credit Card

    Interest free period

    0% for 36 months
    (2.8% transfer fee)*

    Representative APR

    20.9% APR
    (Variable)

    Monthly repayments required to clear balance

    £57.11 for
    36 months

    Representative Example

    *Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 20.9% (variable), representative 20.9% APR (variable). Credit available subject to status.

    Close more details

    £543.36
    over 36 months no annual fee

    More details +

    Additional information:

    • 0% for 3 months from account opening on purchases made within the first 60 days.
    • 0% for 36 months from account opening on balance transfers made within the first 60 days. 2.80% fee applies.
    • 0% for 20 months from account opening on money transfers made within the first 60 days. 4% fee applies.

    Fantastic…

    • Contactless payment for items up to £30.
    • Choose from a range of different card designs.
    • Earn cashback when you shop online with over 500 top brands with Virgin Money Back and enjoy exclusive offers and rewards from our family with the Virgin Red app

    Watch out…

    • After the 60 day promotional period, the balance transfer fee changes to 5.00%.
    • After the 60 day promotional period, the money transfer fee changes to 5.00%.

    Defaqto Star Rating​

    To apply for this card you will need to complete an online application form on the provider’s site.

    Don’t forget…

    • You must be at least 18 years of age
    • Rates and offers dependent on customers credit rating
  • Halifax 35 Month Balance Transfer Credit Card

    Halifax 35 Month Balance Transfer Credit Card

    Interest free period

    0% for 35 months
    (3.0% transfer fee)*

    Representative APR

    19.9% APR
    (Variable)

    Monthly repayments required to clear balance

    £58.86 for
    35 months

    Representative Example

    *Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 19.95% (variable), representative 19.9% APR (variable). Credit available subject to status.

    Close more details

    £521.86
    over 35 months no annual fee

    More details +

    Additional information:

    • 0% for 35 months on balance transfers within 90 days of account opening. 3% fee applies.
    • 0% for 3 months on purchases.

    Fantastic…

    • You may be eligible to apply for a second credit card with us. Conditions apply.
    • Manage your card online using Online Banking and Mobile Banking service.
    • Fraud protection.

    Watch out…

    • You cannot balance transfer from other Halifax credit cards.
    • APR and length of the offer are dependent on personal circumstances.

    Defaqto Star Rating​

    To apply for this card you will need to complete an online application form on the provider’s site.

    Don’t forget…

    • You must be at least 18 years of age
  • Virgin 32 Month Balance Transfer Credit Card

    Virgin 32 Month Balance Transfer Credit Card

    Interest free period

    0% for 32 months
    (0.6% transfer fee)*

    Representative APR

    20.9% APR
    (Variable)

    Monthly repayments required to clear balance

    £62.88 for
    32 months

    Representative Example

    *Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 20.9% (variable), representative 20.9% APR (variable). Credit available subject to status.

    Close more details

    £517.77
    over 32 months no annual fee

    More details +

    Additional information:

    • 0% for 32 months on balance transfers, with a fee of 0.60% (5% after introductory period), 0% for 32 months on money transfers, with a fee of 4% (5% after introductory period), 0% for 3 months on card purchases

    Fantastic…

    • Contactless payment for items up to £30
    • Choose from a range of different card designs
    • Earn cashback when you shop online with over 500 top brands with Virgin Money Back and enjoy exclusive offers and rewards from our family with the Virgin Red app

    Watch out…

    • After the 60 day promotional period, the balance transfer fee changes to 5.00%
    • After the 60 day promotional period, the money transfer fee changes to 5.00%

    Defaqto Star Rating​

    To apply for this card you will need to complete an online application form on the provider’s site.

    Don’t forget…

    • You must be at least 18 years of age
    • Rates and offers dependent on customers credit rating
  • M&S Transfer Plus Offer Credit Card

    M&S Transfer Plus Offer Credit Card

    Interest free period

    0% for 32 months
    (0.99% transfer fee)*

    Representative APR

    18.9% APR
    (Variable)

    Monthly repayments required to clear balance

    £63.12 for
    32 months

    Representative Example

    *Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.9% (variable), representative 18.9% APR (variable). Credit available subject to status.

    Close more details

    £509.97
    over 32 months no annual fee

    More details +

    Rewards benefits:

    • Buy M&S Travel Money with no cash advance or foreign exchange fees
    • Earn M&S reward points every time you shop with your card

    Additional information:

    • 0% on balance transfers for 32 months (0.99% fee)
    • 0% on purchases for 6 months

    Fantastic…

    • A bonus points voucher worth £5 when you use your M&S Credit Card in store
    • Spend Safe fraud protection for complete peace of mind

    Watch out…

    • A new M&S Credit Card account cannot be opened if you have held a credit card with them within the previous 12 months

    Defaqto Star Rating​

    To apply for this card you will need to complete an online application form on the provider’s site.

    Don’t forget…

    • You must be at least 18 years of age
    • Rates and offers dependent on customers credit rating
  • Tesco Bank Clubcard 32 Month Balance Transfer Credit Card

    Tesco Bank Clubcard 32 Month Balance Transfer Credit Card

    Interest free period

    0% for 32 months
    (0.99% transfer fee)*

    Representative APR

    19.9% APR
    (Variable)

    Monthly repayments required to clear balance

    £63.12 for
    32 months

    Representative Example

    *Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 19.94% (variable), representative 19.9% APR (variable). Credit available subject to status.

    Close more details

    £509.97
    over 32 months no annual fee

    More details +

    Rewards benefits:

    • Earn Clubcard points wherever you use your card, plus your usual points in Tesco. Terms apply

    Additional information:

    • 0% interest on balance transfers for the first 32 months with a 0.99% fee

    Fantastic…

    • Apply online and get a decision within 60 seconds
    • You can still apply even if you have a Tesco Bank Credit Card already

    Watch out…

    • You must not have applied for a Tesco Bank Credit Card in the last month or have an application currently in progress
    • You must live in the UK or have a BFPO address
    • Your credit limit, APR and introductory offer period may vary subject to your individual circumstances

    Defaqto Star Rating​

    To apply for this card you will need to complete an online application form on the provider’s site.

    Don’t forget…

    • You must be at least 18 years of age
    • Rates and offers dependent on customers credit rating
  • Lloyds Bank Platinum 32 Month Balance Transfer Credit Card

    Lloyds Bank Platinum 32 Month Balance Transfer Credit Card

    Interest free period

    0% for 32 months
    (1.4% transfer fee)*

    Representative APR

    19.9% APR
    (Variable)

    Monthly repayments required to clear balance

    £63.38 for
    32 months

    Representative Example

    *Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 19.94% (variable), representative 19.9% APR (variable). Credit available subject to status.

    Close more details

    £501.77
    over 32 months no annual fee

    More details +

    Additional information:

    • 0% interest for 32 months from account opening on balance transfers made within the first 90 days. 1.4% fee applies on each balance transfer made in the first 90 days. 3% fee applies on each balance transfer made after the first 90 days.
    • 0% for 12 months from account opening on purchases.

    Fantastic…

    • You may be eligible to apply for a second credit card with Lloyds Bank. Conditions apply.
    • Manage your card online using Online Banking and Mobile Banking service.
    • Fraud protection.

    Watch out…

    • You cannot balance transfer from other Lloyds Bank credit cards.
    • APR and length of the offer are dependent on personal circumstances.

    Defaqto Star Rating​

    To apply for this card you will need to complete an online application form on the provider’s site.

    Don’t forget…

    • You must be at least 18 years of age
    • Rates and offers dependent on customers credit rating
  • Barclaycard Platinum 30 Month Balance Transfer

    Barclaycard Platinum 30 Month Balance Transfer

    Interest free period

    0% for 30 months
    (0.55% transfer fee)*

    Representative APR

    19.9% APR
    (Variable)

    Monthly repayments required to clear balance

    £67.03 for
    30 months

    Representative Example

    *Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 19.9% (variable), representative 19.9% APR (variable). Credit available subject to status. A fee of 3.5% will be applied, then reduced to 0.55% by a refund. Refunds will be made within 28 days. (Terms and conditions apply).

    Close more details

    £484.40
    over 30 months no annual fee

    More details +

    Rewards benefits:

    • £20 cashback when you transfer a balance of £1000 or more within 60 days of opening your account. Offer ends 14 May 2018. T&Cs apply

    Additional information:

    • 0% interest for 30 months on balance transfers from the date you open your account. Transfers must be made within 60 days to benefit from the 0% offer 0.55% balance transfer fee (Terms and Conditions apply).
    • 0% on purchases for 6 months

    Fantastic…

    • Barclaycard PayTag enabled - Use your mobile phone for contactless payments
    • Contactless payment for items up to £30
    • Instant online decision available

    Watch out…

    • No balance transfers from other Barclaycards

    Defaqto Star Rating​

    To apply for this card you will need to complete an online application form on the provider’s site.

    Don’t forget…

    • You must be at least 18 years of age
    • Rates and offers dependent on customers credit rating
  • Virgin 30 Month Balance Transfer Credit Card

    Virgin 30 Month Balance Transfer Credit Card

    Interest free period

    0% for 30 months
    (0.55% transfer fee)*

    Representative APR

    20.9% APR
    (Variable)

    Monthly repayments required to clear balance

    £67.03 for
    30 months

    Representative Example

    *Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 20.9% (variable), representative 20.9% APR (variable). Credit available subject to status.

    Close more details

    £484.40
    over 30 months no annual fee

    More details +

    Additional information:

    • 0% for 30 months on balance transfers, with a fee of 0.55%, 0% for 30 months on money transfers, with a fee of 4%, 0% for 3 months on card purchases

    Fantastic…

    • Contactless payment for items up to £30
    • Choose from a range of different card designs
    • Earn cashback when you shop online with over 500 top brands with Virgin Money Back and enjoy exclusive offers and rewards from our family with the Virgin Red app

    Watch out…

    • After the 60 day promotional period, the balance transfer fee changes to 5.00%
    • After the 60 day promotional period, the money transfer fee changes to 5.00%

    Defaqto Star Rating​

    To apply for this card you will need to complete an online application form on the provider’s site.

    Don’t forget…

    • You must be at least 18 years of age
    • Rates and offers dependent on customers credit rating
  • Halifax 30 Month Balance Transfer Credit Card

    Halifax 30 Month Balance Transfer Credit Card

    Interest free period

    0% for 30 months
    (1.2% transfer fee)*

    Representative APR

    19.9% APR
    (Variable)

    Monthly repayments required to clear balance

    £67.47 for
    30 months

    Representative Example

    *Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 19.95% (variable), representative 19.9% APR (variable). Credit available subject to status.

    Close more details

    £471.40
    over 30 months no annual fee

    More details +

    Additional information:

    • 0% interest for 30 months from account opening on balance transfers made in the first 90 days.
    • 1.2% fee applies on each balance transfer made in the first 90 days.
    • 0% for 12 months from account opening on purchases.

    Fantastic…

    • Manage your card online using Online Banking and Mobile Banking services
    • Fraud protection
    • Faster payments to your card giving more flexibility and control

    Watch out…

    • You cannot balance transfer from other Halifax credit cards
    • APR and length of the offer are dependent on personal circumstances

    Defaqto Star Rating​

    To apply for this card you will need to complete an online application form on the provider’s site.

    Don’t forget…

    • You must be at least 18 years of age
    • Rates and offers dependent on customers credit rating
  • Sainsbury's Bank 30 Month Balance Transfer Credit Card

    Sainsbury's Bank 30 Month Balance Transfer Credit Card

    Interest free period

    0% for 30 months
    (1.5% transfer fee)*

    Representative APR

    18.9% APR
    (Variable)

    Monthly repayments required to clear balance

    £67.67 for
    30 months

    Representative Example

    *Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.95% (variable), representative 18.9% APR (variable). Credit available subject to status.

    Close more details

    £465.40
    over 30 months no annual fee

    More details +

    Rewards benefits:

    • Up to 5,000 bonus Nectar points. Each time you spend £20 or more on Sainsbury’s shopping in the first two months you’ll get 500 points. T&Cs apply. Ends 30th July 2018
    • 2 Nectar points per £1 spend on Sainsbury's shopping or fuel. 1 Nectar point per £5 spent elsewhere

    Additional information:

    • 0% interest for 30 months on balance transfers. Balance transfer fee of 1.5% applies on transfers made within your first 3 months, 3% afterwards (minimum £3 at all times).
    • 0% interest for 6 months on card purchases

    Fantastic…

    • If your application is approved you are guaranteed to get the 0% interest period advertised
    • No annual fee

    Watch out…

    • To keep your promotional rate you must pay at least the minimum payment by the due date and stay within your credit limit
    • You must be a UK resident
    • You must not be an existing Sainsbury's Bank Credit Card customer

    Defaqto Star Rating​

    To apply for this card you will need to complete an online application form on the provider’s site.

    Don’t forget…

    • You must be at least 18 years of age
    • Rates and offers dependent on customers credit rating
  • Santander Everyday Credit Card

    Santander Everyday Credit Card

    Interest free period

    0% for 27 months
    (0.0% transfer fee)*

    Representative APR

    18.9% APR
    (Variable)

    Monthly repayments required to clear balance

    £74.07 for
    27 months

    Representative Example

    *Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.9% (variable), representative 18.9% APR (variable). Credit available subject to status.

    Close more details

    £444.39
    over 27 months no annual fee

    More details +

    Rewards benefits:

    • Retailer Offers - get five welcome cashback offers ranging from 5% to 25% at a range of well-known major retailers once you switch on Retailer Offers via Online or Mobile Banking

    Additional information:

    • Contactless payments on items below £30
    • Pay with your mobile device with Apple Pay, Android Pay or Samsung Pay
    • If accepted, the rate shown is what you will receive

    Fantastic…

    • 0% on balance transfers for 27 months from date of account opening
    • No balance transfer fee
    • 0% on purchases for 3 months from date of account opening

    Watch out…

    • You must not already hold a Santander balance transfer card

    Defaqto Star Rating​

    To apply for this card you will need to complete an online application form on the provider’s site.

    Don’t forget…

    • You must be at least 18 years of age
    • Rates and offers dependent on customers credit rating
    • Minimum household income of £7,500
  • Virgin 30 Month All Round Credit Card

    Virgin 30 Month All Round Credit Card

    Interest free period

    0% for 30 months
    (2.9% transfer fee)*

    Representative APR

    18.9% APR
    (Variable)

    Monthly repayments required to clear balance

    £68.60 for
    30 months

    Representative Example

    *Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.9% (variable), representative 18.9% APR (variable). Credit available subject to status.

    Close more details

    £437.40
    over 30 months no annual fee

    More details +

    Additional information:

    • 0% for 30 months on purchases, 0% for 30 months on balance transfers, with a fee of 2.90% and 0% for 30 months on money transfers, with a fee of 4.00%

    Fantastic…

    • Contactless payment for items up to £30
    • Choose from a range of different card designs
    • Earn cashback when you shop online with over 500 top brands with Virgin Money Back and enjoy exclusive offers and rewards from our family with the Virgin Red app

    Watch out…

    • After the 60 day promotional period, the balance transfer fee changes to 5.00%
    • After the 60 day promotional period, the money transfer fee changes to 5.00%

    Defaqto Star Rating​

    To apply for this card you will need to complete an online application form on the provider’s site.

    Don’t forget…

    • You must be at least 18 years of age
    • Rates and offers dependent on customers credit rating
  • Barclaycard Platinum 27 Month Balance Transfer and Purchase Credit Card

    Barclaycard Platinum 27 Month Balance Transfer and Purchase Credit Card

    Interest free period

    0% for 27 months
    (1.45% transfer fee)*

    Representative APR

    19.9% APR
    (Variable)

    Monthly repayments required to clear balance

    £75.15 for
    27 months

    Representative Example

    *Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 19.9% (variable), representative 19.9% APR (variable). Credit available subject to status. 3.5% Balance Transfer Fee applies but this is reduced to 1.45% by a refund. Refunds will be made within 28 days. (Terms and conditions apply).

    Close more details

    £415.39
    over 27 months no annual fee

    More details +

    Rewards benefits:

    • £20 cashback when you transfer a balance of £1000 or more within 60 days of opening your account. Offer ends 14 May 2018. T&Cs apply

    Additional information:

    • 27 months at 0% on balance transfers, a 1.45% transfer fee applies (a fee of 3.5% will be applied, then reduced to 1.45% by a refund. Refunds will be made within 28 days. Terms and conditions apply).To qualify for this offer the balance transfer must be made within 60 days of opening your Barclaycard Platinum card
    • 0% on purchases for 27 months

    Fantastic…

    • Barclaycard PayTag enabled - Use your mobile phone for contactless payments
    • Contactless payment for items up to £30
    • Instant online decision available

    Watch out…

    • No balance transfers from other Barclaycards

    Defaqto Star Rating​

    To apply for this card you will need to complete an online application form on the provider’s site.

    Don’t forget…

    • You must be at least 21 years of age
    • Rates and offers dependent on customers credit rating
  • Sainsbury's Bank No Balance Transfer Fee Credit Card

    Sainsbury's Bank No Balance Transfer Fee Credit Card

    Interest free period

    0% for 25 months
    (0.0% transfer fee)*

    Representative APR

    18.9% APR
    (Variable)

    Monthly repayments required to clear balance

    £80.00 for
    25 months

    Representative Example

    *Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.95% (variable), representative 18.9% APR (variable). Credit available subject to status. No Balance Transfer fee for the first 3 months, 3% (min £3) thereafter.

    Close more details

    £410.75
    over 25 months no annual fee

    More details +

    Rewards benefits:

    • Up to 5,000 bonus Nectar points. Each time you spend £20 or more on Sainsbury’s shopping in the first two months you’ll get 500 points. T&Cs apply. Ends 30th July 2018
    • 2 Nectar points per £1 spend on Sainsbury's shopping or fuel. 1 Nectar point per £5 spent elsewhere

    Additional information:

    • No Balance Transfer fee for the first 3 months, 3% (Min £3) thereafter.

    Fantastic…

    • If your application is approved you are guaranteed to get the 0% interest period advertised
    • No annual fee

    Watch out…

    • To keep your promotional rate you must pay at least the minimum payment by the due date and stay within your credit limit
    • You must be a UK resident
    • You must not be an existing Sainsbury's Bank Credit Card customer

    Defaqto Star Rating​

    To apply for this card you will need to complete an online application form on the provider’s site.

    Don’t forget…

    • You must be at least 18 years of age
    • Rates and offers dependent on customers credit rating
  • Barclaycard Platinum 25 Month Balance Transfer Credit Card

    Barclaycard Platinum 25 Month Balance Transfer Credit Card

    Interest free period

    0% for 25 months
    (0.0% transfer fee)*

    Representative APR

    19.9% APR
    (Variable)

    Monthly repayments required to clear balance

    £80.00 for
    25 months

    Representative Example

    *Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 19.9% (variable), representative 19.9% APR (variable). Credit available subject to status. An initial 2% balance transfer fee applies with a refund within 60 days, so the effective fee is 0%. Refunds will be made within 28 days. (Terms and conditions apply).

    Close more details

    £410.75
    over 25 months no annual fee

    More details +

    Additional information:

    • 25 months at 0% on balance transfers, 0% transfer fee applies (a fee of 2% will be applied, then reduced to 0% by a refund. Refunds will be made within 28 days. Terms and conditions apply).To qualify for this offer the balance transfer must be made within 60 days of opening your Barclaycard Platinum card.
    • 0% on purchases for 6 months
    • £20 cashback when you transfer a balance of £1000 or more within 60 days of opening your account. Offer ends 14 May 2018. T&Cs apply.

    Fantastic…

    • Barclaycard PayTag enabled - Use your mobile phone for contactless payments
    • Contactless payment for items up to £30
    • Instant online decision available

    Watch out…

    • No balance transfers from other Barclaycards

    Defaqto Star Rating​

    To apply for this card you will need to complete an online application form on the provider’s site.

    Don’t forget…

    • You must be at least 21 years of age
    • Rates and offers dependent on customers credit rating
  • Halifax 25 Month Balance Transfer Credit Card

    Halifax 25 Month Balance Transfer Credit Card

    Interest free period

    0% for 25 months
    (0.0% transfer fee)*

    Representative APR

    19.9% APR
    (Variable)

    Monthly repayments required to clear balance

    £80.00 for
    25 months

    Representative Example

    *Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 19.95% (variable), representative 19.9% APR (variable). Credit available subject to status.

    Close more details

    £410.75
    over 25 months no annual fee

    More details +

    Additional information:

    • 0% interest for 25 months from account opening on balance transfers made in the first 90 days.
    • 0% fee applies on each balance transfer made in the first 90 days.
    • 0% interest for 3 months from account opening on purchases.

    Fantastic…

    • You may be eligible to apply for a second credit card with Halifax. Conditions apply.
    • Manage your card online using Online Banking and Mobile Banking service.
    • Fraud protection.

    Watch out…

    • You cannot transfer a balance from another Halifax card

    Defaqto Star Rating​

    To apply for this card you will need to complete an online application form on the provider’s site.

    Don’t forget…

    • You must be at least 18 years of age
  • Santander All in One Credit Card

    Santander All in One Credit Card

    Interest free period

    0% for 30 months
    (0.0% transfer fee)*

    Representative APR

    21.7% APR
    (Variable)

    Monthly repayments required to clear balance

    £69.67 for
    30 months

    Representative Example

    *Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 15.9% (variable), with a £36 annual fee, representative 21.7% APR (variable). Credit available subject to status.

    Close more details

    £405.40
    over 30 months including annual fee

    More details +

    Rewards benefits:

    • 0.5% cashback on all of your purchases with no limits or caps
    • Retailer Offers - get five welcome cashback offers ranging from 5% to 25% at a range of well-known major retailers once you switch on Retailer Offers via Online or Mobile Banking
    • No monthly fee for 6 months on the All in One Credit Card if you have a 1I2I3 current account. Qualifying criteria applies.

    Additional information:

    • Contactless payments on items below £30
    • Pay with your mobile device with Apple Pay, Android Pay or Samsung Pay
    • If accepted, the rate shown is what you will receive

    Fantastic…

    • 0% on balance transfers for 30 months from date of account opening with no balance transfer fee
    • 0% on purchases for 30 months from date of account opening
    • No foreign transaction fee on purchases or cash withdrawals in the local currency when you’re abroad

    Watch out…

    • There is a £3 monthly account fee

    Defaqto Star Rating​

    To apply for this card you will need to complete an online application form on the provider’s site.

    Don’t forget…

    • You must be at least 18 years of age
    • Rates and offers dependent on customers credit rating
    • Minimum household income of £7,500
  • Bank of Scotland Platinum 24 Month Balance Transfer Credit Card

    Bank of Scotland Platinum 24 Month Balance Transfer Credit Card

    Interest free period

    0% for 24 months
    (0.0% transfer fee)*

    Representative APR

    19.9% APR
    (Variable)

    Monthly repayments required to clear balance

    £83.33 for
    24 months

    Representative Example

    *Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 19.95% (variable), representative 19.9% APR (variable). Credit available subject to status.

    Close more details

    £394.04
    over 24 months no annual fee

    More details +

    Additional information:

    • 0% interest for up to 24 months from account opening on balance transfers within the first 90 days.
    • 0% fee applies on each balance transfer made in the first 90 days.
    • 0% interest for 3 months from account opening on purchases.

    Fantastic…

    • You may be eligible to apply for a second credit card with Lloyds Bank. Conditions apply.
    • Manage your card online using Online Banking and Mobile Banking service.
    • Fraud protection.

    Watch out…

    • You cannot balance transfer from other Lloyds Bank credit cards.
    • APR and length of the offer are dependent on personal circumstances.

    Defaqto Star Rating​

    To apply for this card you will need to complete an online application form on the provider’s site.

    Don’t forget…

    • You must be at least 18 years of age
    • Rates and offers dependent on customers credit rating
  • Lloyds Bank Platinum 24 Month Balance Transfer Credit Card

    Lloyds Bank Platinum 24 Month Balance Transfer Credit Card

    Interest free period

    0% for 24 months
    (0.0% transfer fee)*

    Representative APR

    19.9% APR
    (Variable)

    Monthly repayments required to clear balance

    £83.33 for
    24 months

    Representative Example

    *Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 19.94% (variable), representative 19.9% APR (variable). Credit available subject to status.

    Close more details

    £394.04
    over 24 months no annual fee

    More details +

    Additional information:

    • Get up to 24 months 0% interest on balance transfers made within 90 days of opening your account.
    • For 3 months after opening your account, get 0% interest on purchases made.
    • You'll also pay no fees on balances transferred within 90 days of account opening, instead of the standard 3% fee.

    Fantastic…

    • You may be eligible to apply for a second credit card with Lloyds Bank. Conditions apply.
    • Manage your card online using Online Banking and Mobile Banking service.
    • Fraud protection.

    Watch out…

    • You cannot balance transfer from other Lloyds Bank credit cards.
    • APR and length of the offer are dependent on personal circumstances.

    Defaqto Star Rating​

    To apply for this card you will need to complete an online application form on the provider’s site.

    Don’t forget…

    • You must be at least 18 years of age
    • Rates and offers dependent on customers credit rating
  • Sainsbury's Bank Dual Offer Credit Card

    Sainsbury's Bank Dual Offer Credit Card

    Interest free period

    0% for 27 months
    (2.9% transfer fee)*

    Representative APR

    18.9% APR
    (Variable)

    Monthly repayments required to clear balance

    £76.22 for
    27 months

    Representative Example

    *Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.95% (variable), representative 18.9% APR (variable). Credit available subject to status.

    Close more details

    £386.39
    over 27 months no annual fee

    More details +

    Rewards benefits:

    • Up to 5,000 bonus Nectar points. Each time you spend £20 or more on Sainsbury’s shopping in the first two months you’ll get 500 points. T&Cs apply. Ends 30th July 2018
    • 2 Nectar points per £1 spend on Sainsbury's shopping or fuel. 1 Nectar point per £5 spent elsewhere

    Additional information:

    • 0% interest on balance transfers for 27 months and 0% interest on purchases for 27 months. Terms and Conditions apply
    • 2.90% balance transfers fee applies, with a minimum fee of £3 at all times

    Fantastic…

    • If your application is approved you are guaranteed to get the 0% interest period advertised
    • No annual fee

    Watch out…

    • To keep your promotional rate you must pay at least the minimum payment by the due date and stay within your credit limit
    • You must be a UK resident
    • You must not be an existing Sainsbury's Bank Credit Card customer

    Defaqto Star Rating​

    To apply for this card you will need to complete an online application form on the provider’s site.

    Don’t forget…

    • You must be at least 18 years of age
    • Rates and offers dependent on customers credit rating
  • HSBC Dual Credit Card

    HSBC Dual Credit Card

    Interest free period

    0% for 26 months
    (2.89% transfer fee)*

    Representative APR

    22.9% APR
    (Variable)

    Monthly repayments required to clear balance

    £79.15 for
    26 months

    Representative Example

    *Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 22.9% (variable), representative 22.9% APR (variable). Credit available subject to status.

    Close more details

    £369.74
    over 26 months no annual fee

    More details +

    Additional information:

    • 0% interest for 26 months on both balance transfers and purchases within the first 60 days after your account is open.

    Fantastic…

    • No annual fee.

    Watch out…

    • Introductory offer applies to new HSBC Credit Card customers only.

    Defaqto Star Rating​

    To apply for this card you will need to complete an online application form on the provider’s site.

    Don’t forget…

    • You must be at least 18 years of age
  • M&S Shopping Plus Offer Credit Card

    M&S Shopping Plus Offer Credit Card

    Interest free period

    0% for 25 months
    (2.9% transfer fee)*

    Representative APR

    18.9% APR
    (Variable)

    Monthly repayments required to clear balance

    £82.32 for
    25 months

    Representative Example

    *Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.9% (variable), representative 18.9% APR (variable). Credit available subject to status.

    Close more details

    £352.75
    over 25 months no annual fee

    More details +

    Rewards benefits:

    • Buy M&S Travel Money with no cash advance or foreign exchange fees
    • Earn M&S reward points every time you shop with your card

    Additional information:

    • 0% on balance transfers for 25 months (2.9% fee)
    • 0% on purchases for 25 months

    Fantastic…

    • A bonus points voucher worth £5 when you use your M&S Credit Card in store
    • Spend Safe fraud protection for complete peace of mind

    Watch out…

    • A new M&S Credit Card account cannot be opened if you have held a credit card with them within the previous 12 months

    Defaqto Star Rating​

    To apply for this card you will need to complete an online application form on the provider’s site.

    Don’t forget…

    • You must be at least 18 years of age
    • Rates and offers dependent on customers credit rating
  • Sainsbury’s Bank Purchase Credit Card

    Sainsbury’s Bank Purchase Credit Card

    Interest free period

    0% for 18 months
    (2.89% transfer fee)*

    Representative APR

    18.9% APR
    (Variable)

    Monthly repayments required to clear balance

    £114.32 for
    18 months

    Representative Example

    *Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.95% (variable), representative 18.9% APR (variable). Credit available subject to status. Balance transfer fee of 2.89% applies on transfers made within your first 3 months, 3% afterwards (minimum £3 at all times)

    Close more details

    £237.49
    over 18 months no annual fee

    More details +

    Rewards benefits:

    • Up to 5,000 bonus Nectar points. Each time you spend £20 or more on Sainsbury’s shopping in the first two months you’ll get 500 points. T&Cs apply. Ends 30th July 2018
    • 2 Nectar points per £1 spend on Sainsbury's shopping or fuel. 1 Nectar point per £5 spent elsewhere

    Additional information:

    • 0% on purchases for 28 months and 0% on balance transfers for 18 months. Terms and Conditions apply
    • Balance transfer fee of 2.89% applies on transfers made within your first 3 months, 3% afterwards (£3 at all times)

    Fantastic…

    • If your application is approved you are guaranteed to get the 0% interest period advertised
    • No annual fee

    Watch out…

    • To keep your promotional rate you must pay at least the minimum payment by the due date and stay within your credit limit
    • You must be a UK resident
    • You must not be an existing Sainsbury's Bank Credit Card customer

    Defaqto Star Rating​

    To apply for this card you will need to complete an online application form on the provider’s site.

    Don’t forget…

    • You must be at least 18 years of age
    • Rates and offers dependent on customers credit rating
  • John Lewis and Waitrose Partnership Credit Card

    John Lewis and Waitrose Partnership Credit Card

    Interest free period

    0% for 18 months
    (2.9% transfer fee)*

    Representative APR

    18.9% APR
    (Variable)

    Monthly repayments required to clear balance

    £114.33 for
    18 months

    Representative Example

    *Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.9% (variable), representative 18.9% APR (variable). Credit available subject to status.

    Close more details

    £237.29
    over 18 months no annual fee

    More details +

    Rewards benefits:

    • Every time you spend on your partnership card, you’ll earn points towards John Lewis Partnership vouchers. Every 500 points you earn is worth £5 in vouchers
    • Earn 1 point for every £1 spent at John Lewis & Waitrose or for every £2 spent elsewhere
    • All new customers will receive 1,000 points worth £10 if they spend or transfer £500 in their first 90 days from account opening.

    Additional information:

    • 0% interest on balance transfers for 18 months, fixed from account opening (2.9% fee applies)
    • 0% interest on purchases for 9 months, fixed from account opening.
    • No annual fee

    Fantastic…

    • Earn points towards John Lewis and Waitrose vouchers
    • Earn more points by adding an additional cardholder

    Watch out…

    • You must have a good credit history
    • You must be a UK resident (excluding Channel Islands)

    Defaqto Star Rating​

    To apply for this card you will need to complete an online application form on the provider’s site.

    Don’t forget…

    • You must be at least 18 years of age
    • Rates and offers dependent on customers credit rating
    • Minimum household income of £6,750
  • Barclaycard Platinum 18 Month Balance Transfer Credit Card

    Barclaycard Platinum 18 Month Balance Transfer Credit Card

    Interest free period

    0% for 18 months
    (2.99% transfer fee)*

    Representative APR

    24.9% APR
    (Variable)

    Monthly repayments required to clear balance

    £114.43 for
    18 months

    Representative Example

    *Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 24.9% (variable), representative 24.9% APR (variable). Credit available subject to status.

    Close more details

    £235.49
    over 18 months no annual fee

    More details +

    Additional information:

    • 18 months at 0% on balance transfers, a 2.99% transfer fee applies (Terms and conditions apply).To qualify for this offer the balance transfer must be made within 60 days of opening your Barclaycard Platinum card
    • 0% on purchases for 3 months

    Fantastic…

    • Barclaycard PayTag enabled - Use your mobile phone for contactless payments
    • Contactless payment for items up to £30
    • Instant online decision available

    Watch out…

    • No balance transfers from other Barclaycards

    Defaqto Star Rating​

    To apply for this card you will need to complete an online application form on the provider’s site.

    Don’t forget…

    • You must be at least 18 years of age
    • Rates and offers dependent on customers credit rating
    • Minimum household income of £17,500
  • Bank of Scotland Classic Credit Card

    Bank of Scotland Classic Credit Card

    Interest free period

    0% for 18 months
    (3.0% transfer fee)*

    Representative APR

    27.9% APR
    (Variable)

    Monthly repayments required to clear balance

    £114.44 for
    18 months

    Representative Example

    *Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 27.95% (variable), representative 27.9% APR (variable). Credit available subject to status.

    Close more details

    £235.29
    over 18 months no annual fee

    More details +

    Additional information:

    • 18 months at 0% on balances transferred within the first 90 days. Also 9 months at 0% on purchases

    Fantastic…

    • Manage your card online using Online Banking and Mobile Banking services
    • Fraud protection
    • Faster payments to your card giving more flexibility and control

    Watch out…

    • You cannot balance transfer from other Bank of Scotland credit cards
    • APR and length of the offer are dependent on personal circumstances

    Defaqto Star Rating​

    To apply for this card you will need to complete an online application form on the provider’s site.

    Don’t forget…

    • You must be at least 18 years of age
    • Rates and offers dependent on customers credit rating
  • Tesco Bank Clubcard 15 Month Balance Transfer and Purchase Credit Card

    Tesco Bank Clubcard 15 Month Balance Transfer and Purchase Credit Card

    Interest free period

    0% for 15 months
    (0.85% transfer fee)*

    Representative APR

    18.9% APR
    (Variable)

    Monthly repayments required to clear balance

    £134.47 for
    15 months

    Representative Example

    *Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.9% (variable), representative 18.9% APR (variable). Credit available subject to status. 0% interest periods apply to any balances or money transferred within the first 90 days of account opening.

    Close more details

    £229.91
    over 15 months no annual fee

    More details +

    Rewards benefits:

    • Earn Clubcard points wherever you use your card, plus your usual points in Tesco. Terms apply.

    Fantastic…

    • Apply online and get a decision within 60 seconds
    • You can still apply even if you have a Tesco Bank Credit Card already
    • 0% interest to pay on money transfers for the first 15 months, 3.94% money transfer fee

    Watch out…

    • Your credit limit and APR may vary subject to your individual circumstances
    • 0% interest periods apply to any balances or money transferred within the first 90 days of account opening.

    Defaqto Star Rating​

    To apply for this card you will need to complete an online application form on the provider’s site.

    Don’t forget…

    • You must be at least 18 years of age
    • Rates and offers dependent on customers credit rating
  • Tesco Bank No Balance Transfer Fee Credit Card

    Tesco Bank No Balance Transfer Fee Credit Card

    Interest free period

    0% for 12 months
    (0.0% transfer fee)*

    Representative APR

    18.9% APR
    (Variable)

    Monthly repayments required to clear balance

    £166.67 for
    12 months

    Representative Example

    *Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.9% (fixed), representative 18.9% APR (variable). Credit available subject to status. 0% interest periods apply to any balances or money transferred within the first 90 days of account opening. 

    Close more details

    £199.18
    over 12 months no annual fee

    More details +

    Rewards benefits:

    • Earn Clubcard points wherever you use your card, plus your usual points in Tesco. Terms apply.

    Fantastic…

    • Apply online and get a decision within 60 seconds
    • You can still apply even if you have a Tesco Bank Credit Card already
    • 0% interest to pay on money transfers for the first 12 months, 3.94% money transfer fee

    Watch out…

    • Your credit limit and APR may vary subject to your individual circumstances
    • 0% interest periods apply to any balances or money transferred within the first 90 days of account opening

    Defaqto Star Rating​

    To apply for this card you will need to complete an online application form on the provider’s site.

    Don’t forget…

    • You must be at least 18 years of age
    • Rates and offers dependent on customers credit rating
    • Minimum household income of £5,000
  • Virgin Money Travel Credit Card

    Virgin Money Travel Credit Card

    Interest free period

    0% for 12 months
    (0.0% transfer fee)*

    Representative APR

    19.9% APR
    (Variable)

    Monthly repayments required to clear balance

    £166.67 for
    12 months

    Representative Example

    *Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 19.9% (variable), representative 19.9% APR (variable). Credit available subject to status.

    Close more details

    £199.18
    over 12 months no annual fee

    More details +

    Additional information:

    • 0% for 12 months on purchases, 0% for 12 months on balance transfers with a fee of 0%, and 0% for 12 months on money transfers, with a fee of 2%.

    Fantastic…

    • Contactless payment for items up to £30
    • Choose from a range of different card designs
    • Earn cashback when you shop online with over 500 top brands with Virgin Money Back and enjoy exclusive offers and rewards from our family with the Virgin Red app

    Watch out…

    • After the 60 day promotional period, the balance transfer fee changes to 5.00%
    • After the 60 day promotional period, the money transfer fee changes to 5.00%

    Defaqto Star Rating​

    To apply for this card you will need to complete an online application form on the provider’s site.

    Don’t forget…

    • You must be at least 18 years of age
    • Rates and offers dependent on customers credit rating
  • Barclaycard Freedom Rewards Credit Card

    Barclaycard Freedom Rewards Credit Card

    Interest free period

    0% for 12 months
    (0.15% transfer fee)*

    Representative APR

    21.9% APR
    (Variable)

    Monthly repayments required to clear balance

    £166.92 for
    12 months

    Representative Example

    *Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 21.9% (variable), representative 21.9% APR (variable). Credit available subject to status. A fee of 2.9% will be applied to your account at first, but you'll only pay 0.15% as Barclaycard will refund the difference.

    Close more details

    £196.18
    over 12 months no annual fee

    More details +

    Rewards benefits:

    • Earn 1 Freedom point on everything home and abroad per £1 spent (non sterling transaction fee of 2.99% applies to foreign currency transactions)
    • Earn 2 Freedom points at all UK supermarkets, petrol stations and on Transport for London spend

    Additional information:

    • 12 months at 0% on balance transfers. To qualify for this offer the balance transfer must be made within 60 days of opening your card
    • 0% on purchases for 12 months

    Fantastic…

    • Contactless payment for items up to £30

    Watch out…

    • No balance transfers from other Barclaycards

    Defaqto Star Rating​

    To apply for this card you will need to complete an online application form on the provider’s site.

    Don’t forget…

    • You must be at least 18 years of age
    • Rates and offers dependent on customers credit rating
    • Minimum household income of £20,000
  • ASDA Cashback Plus Credit Card

    ASDA Cashback Plus Credit Card

    Interest free period

    0% for 15 months
    (3.0% transfer fee)*

    Representative APR

    26.2% APR
    (Variable)

    Monthly repayments required to clear balance

    £140.33 for
    15 months

    Representative Example

    *Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 19.9% (variable), with a £36 annual fee, representative 26.2% APR (variable). Credit available subject to status.

    Close more details

    £141.91
    over 15 months including annual fee

    More details +

    Rewards benefits:

    • 2% Cashback on all ASDA spend, including ASDA stores, Living, Grocery Home Shopping, petrol, and George.com
    • 0.2% Cashback on all other purchases
    • 10% Cashback on selected ASDA Money insurance products

    Additional information:

    • 0% on Balance Transfers for 15 months
    • 0% interest for 6 months on all George.com purchases of £200 or more

    Fantastic…

    • Contactless payments
    • No cash advance fee on ASDA Travel Money

    Watch out…

    • Balance Transfers from existing storecard accounts and loans issued by Creation Financial Services Ltd or Creation Consumer Finance Ltd and credit card accounts issued by Sygma Bank UK are not permitted

    Defaqto Star Rating​

    To apply for this card you will need to complete an online application form on the provider’s site.

    Don’t forget…

    • You must be at least 18 years of age
    • Rates and offers dependent on customers credit rating
    • Minimum household income of £10,000
  • Debenhams MasterCard

    Debenhams MasterCard

    Interest free period

    0% for 12 months
    (2.99% transfer fee)*

    Representative APR

    24.9% APR
    (Variable)

    Monthly repayments required to clear balance

    £171.65 for
    12 months

    Representative Example

    *Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 24.94% (variable), representative 24.9% APR (variable). Credit available subject to status.

    Close more details

    £139.38
    over 12 months no annual fee

    More details +

    Rewards benefits:

    • 25% discount on women’s, men’s, kids’, home and 10% discount on furnity, electricals, toys, gifts, beauty, lingerie and fragrance when you apply by Thursday 26th April 2018
    • Earn Debenhams Points, 3 Points for every £1 spent at Debenhams and Debenhams.com, 1 Point for every £2 you spend elsewhere. 500 Points = £5 Reward Voucher
    • Receive 500 Bonus Points in your first statement

    Additional information:

    • 0% p.a. for 12 months from account opening if made within 6 weeks of account opening (2.99% fee applies)

    Fantastic…

    • Free standard delivery from Debenhams.com when you pay on your Debenhams Credit Card
    • 10% off in Debenhams café & restaurants (when you pay using your Debenhams Credit Card

    Watch out…

    • You must have a current UK bank account and a home or mobile phone number
    • You can not apply if you already have a credit card with Debenhams

    Defaqto Star Rating​

    To apply for this card you will need to complete an online application form on the provider’s site.

    Don’t forget…

    • You must be at least 18 years of age
    • Rates and offers dependent on customers credit rating
  • Clydesdale Bank Gold MasterCard

    Clydesdale Bank Gold MasterCard

    Interest free period

    0% for 12 months
    (3.0% transfer fee)*

    Representative APR

    18.9% APR
    (Variable)

    Monthly repayments required to clear balance

    £171.67 for
    12 months

    Representative Example

    *Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.9% (variable), representative 18.9% APR (variable). Credit available subject to status.

    Close more details

    £139.18
    over 12 months no annual fee

    More details +

    Additional information:

    • 26 months at 0% on purchases and 12 months at 0% on balance transfers (A balance transfer fee of 3% applies - minimum £3. Terms and conditions apply)

    Fantastic…

    • No annual fee
    • Secure online shopping with MasterCard SecureCode

    Watch out…

    • Excludes balance transfers from existing Clydesdale or Yorkshire Bank credit cards

    Defaqto Star Rating​

    To apply for this card you will need to complete an online application form on the provider’s site.

    Don’t forget…

    • You must be at least 18 years of age
    • Rates and offers dependent on customers credit rating
  • Yorkshire Bank Gold MasterCard

    Yorkshire Bank Gold MasterCard

    Interest free period

    0% for 12 months
    (3.0% transfer fee)*

    Representative APR

    18.9% APR
    (Variable)

    Monthly repayments required to clear balance

    £171.67 for
    12 months

    Representative Example

    *Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.9% (variable), representative 18.9% APR (variable). Credit available subject to status.

    Close more details

    £139.18
    over 12 months no annual fee

    More details +

    Additional information:

    • 26 months at 0% on purchases and 12 months at 0% on balance transfers (A balance transfer fee of 3% applies - minimum £3. Terms and conditions apply).

    Fantastic…

    • Secure online shopping with MasterCard SecureCode
    • No annual fee

    Watch out…

    • Excludes balance transfers from existing Clydesdale or Yorkshire Bank credit cards

    Defaqto Star Rating​

    To apply for this card you will need to complete an online application form on the provider’s site.

    Don’t forget…

    • You must be at least 18 years of age
    • Rates and offers dependent on customers credit rating
  • ASDA Cashback Credit Card

    ASDA Cashback Credit Card

    Interest free period

    0% for 12 months
    (3.0% transfer fee)*

    Representative APR

    19.9% APR
    (Variable)

    Monthly repayments required to clear balance

    £171.67 for
    12 months

    Representative Example

    *Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 19.9% (variable), representative 19.9% APR (variable). Credit available subject to status.

    Close more details

    £139.18
    over 12 months no annual fee

    More details +

    Rewards benefits:

    • 1% cashback on ASDA shopping and ASDA fuel. 0.2% cashback everywhere else. Unlimited cashback - No cap.
    • Up to 10% promotional cashback rate on selected ASDA insurance policies. Please note all cashback is offered in vouchers.
    • 0% on all purchases at George.com over £200 for 6 months

    Additional information:

    • 0% on balance transfers for 12 months (2.9% fee) within the first 90 days after opening an account
    • ASDA Stores Limited (Great Wilson Street, Leeds, LS11 5AD), trading as ASDA Money, acts as a credit broker not as a lender and is authorised and regulated by the Financial Conduct Authority. ASDA Stores Limited only offers credit cards provided by Creation Financial Services Limited, Chadwick House, Blenheim Court, Solihull B91 2AA. Applicants must be UK residents (including Isle of Man and Channel Islands).

    Fantastic…

    • Contactless payments
    • No annual fee
    • No cash advance fee on ASDA Travel Money

    Watch out…

    • Balance Transfers from existing storecard accounts and loans issued by Creation Financial Services Ltd or Creation Consumer Finance Ltd and credit card accounts issued by Sygma Bank UK are not permitted

    Defaqto Star Rating​

    To apply for this card you will need to complete an online application form on the provider’s site.

    Don’t forget…

    • You must be at least 18 years of age
    • Rates and offers dependent on customers credit rating
    • Minimum household income of £10,000
  • M&S Reward Plus Offer

    M&S Reward Plus Offer

    Interest free period

    0% for 6 months
    (2.9% transfer fee)*

    Representative APR

    18.9% APR
    (Variable)

    Monthly repayments required to clear balance

    £343.00 for
    6 months

    Representative Example

    *Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.9% (variable), representative 18.9% APR (variable). Credit available subject to status.

    Close more details

    £47.70
    over 6 months no annual fee

    More details +

    Rewards benefits:

    • £20 M&S reward voucher on your first spend
    • Double M&S points on all your M&S shopping for the first 12 months

    Additional information:

    • 0% on balance transfers for 6 months, available for 90 days from account opening (2.9% fee applies, minimum £5)
    • 0% on purchases for 6 months

    Fantastic…

    • A bonus points voucher worth £5 when you use your M&S Credit Card in store
    • Spend Safe fraud protection for complete peace of mind

    Watch out…

    • A new M&S Credit Card account cannot be opened if you have held a credit card with them within the previous 12 months

    Defaqto Star Rating​

    To apply for this card you will need to complete an online application form on the provider’s site.

    Don’t forget…

    • You must be at least 18 years of age
    • Rates and offers dependent on customers credit rating
  • Virgin Atlantic Reward Credit Card

    Virgin Atlantic Reward Credit Card

    Interest free period

    0% for 6 months
    (3.0% transfer fee)*

    Representative APR

    22.9% APR
    (Variable)

    Monthly repayments required to clear balance

    £343.33 for
    6 months

    Representative Example

    *Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 22.9% (variable), representative 22.9% APR (variable). Credit available subject to status.

    Close more details

    £45.70
    over 6 months no annual fee

    More details +

    Rewards benefits:

    • Earn 0.75 Flying Club miles for every £1 you spend.
    • Earn 5,000 bonus miles with your first card purchase - just make sure it’s within 90 days of opening your account.
    • Spend £20,000 a year on your card and choose an extra benefit - an upgrade to Premium, or a Companion ticket.

    Additional information:

    • Double miles when you spend directly with Virgin Atlantic and Virgin Holidays through the Contact Centre and online.

    Fantastic…

    • Earn 5,000 bonus miles with your first card purchase - just make sure it’s within 90 days of opening your account.

    Watch out…

    • You can't transfer a balance from another card issued by Virgin Money
    • Balance transfers and money transfers must be made within the first 60 days to get the promotional offer

    Defaqto Star Rating​

    To apply for this card you will need to complete an online application form on the provider’s site.

    Don’t forget…

    • You must be at least 18 years of age
    • Minimum household income of £7,000
  • aqua Classic With 6 Month Balance Transfer Offer

    aqua Classic With 6 Month Balance Transfer Offer

    Interest free period

    0% for 6 months
    (3.0% transfer fee)*

    Representative APR

    34.9% APR
    (Variable)

    Monthly repayments required to clear balance

    £343.33 for
    6 months

    Representative Example

    *Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 34.95% (variable), representative 34.9% APR (variable). Credit available subject to status.

    Close more details

    £45.70
    over 6 months no annual fee

    More details +

    Additional information:

    • 0% for 6 months on balance transfers, a 3% fee applies
    • Credit limit of £250 - £1,200 with a possible increase after four months
    • Free aqua credit checker

    Fantastic…

    • No annual fee
    • aqua has said YES to over 750,000 customers in the UK
    • SMS text reminders to help you stay in control

    Watch out…

    • Failure to make payments on time or to stay within your credit limit means that you will pay additional charges and may make obtaining credit in the future more expensive and difficult

    Defaqto Star Rating​

    To apply for this card you will need to complete an online application form on the provider’s site.

    Don’t forget…

    • You must be at least 18 years of age
    • Rates and offers dependent on customers credit rating
  • Marbles Classic with 5 Month Balance Transfer Offer

    Marbles Classic with 5 Month Balance Transfer Offer

    Interest free period

    0% for 5 months
    (3.0% transfer fee)*

    Representative APR

    34.9% APR
    (Variable)

    Monthly repayments required to clear balance

    £412.00 for
    5 months

    Representative Example

    *Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 34.9% (variable), representative 34.9% APR (variable). Credit available subject to status.

    Close more details

    £30.38
    over 5 months no annual fee

    More details +

    Fantastic…

    • FastCheck your eligibility for an instant response before you apply
    • Manage your account online

    Watch out…

    • Failure to make payments on time or to stay within your credit limit means that you will pay additional charges and may make obtaining credit in the future more expensive and difficult

    Defaqto Star Rating​

    To apply for this card you will need to complete an online application form on the provider’s site.

    Don’t forget…

    • You must be at least 18 years of age
    • Rates and offers dependent on customers credit rating
  • Tesco Bank Clubcard Credit Card for Purchases

    Tesco Bank Clubcard Credit Card for Purchases

    Interest free period

    0% for 3 months
    (2.9% transfer fee)*

    Representative APR

    18.9% APR
    (Variable)

    Monthly repayments required to clear balance

    £686.00 for
    3 months

    Representative Example

    *Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.9% (variable), representative 18.9% APR (variable). Credit available subject to status.

    Close more details

    £1.96
    over 3 months no annual fee

    More details +

    Rewards benefits:

    • Earn Clubcard points wherever you use your card, plus your usual points in Tesco. Terms apply.

    Fantastic…

    • 0% interest on purchases for up to 20 months from account opening
    • Apply online and get a decision within 60 seconds
    • You can still apply even if you have a Tesco Bank Credit Card already

    Watch out…

    • The APR, length of promotional offer, and credit limit may vary as they are dependent on your personal circumstances
    • The 0% interest period applies to transfers made within 90 days of account opening

    Defaqto Star Rating​

    To apply for this card you will need to complete an online application form on the provider’s site.

    Don’t forget…

    • You must be at least 18 years of age
    • Rates and offers dependent on customers credit rating
  • Santander Zero Credit Card

    Santander Zero Credit Card

    Interest free period

    0% for 1 months
    (3.0% transfer fee)*

    Representative APR

    18.9% APR
    (Variable)

    Monthly repayments required to clear balance

    £2,060.00 for
    1 months

    Representative Example

    *Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.9% (variable), representative 18.9% APR (variable). Credit available subject to status.

    Close more details

    £-30.17
    over 1 months no annual fee

    More details +

    Rewards benefits:

    • Retailer Offers – get five welcome cashback offers ranging from 5% to 25% at a range of well-known major retailers once you switch on Retailer Offers via Online or Mobile Banking

    Additional information:

    • Contactless payments on items below £30
    • Pay with your iPhone 6 (or later) or Apple Watch by linking your card to your device and using Apple Pay
    • Up to 3 additional cards for your partner or family members at no extra cost

    Fantastic…

    • No foreign transaction fees on purchases when made in the local currency
    • No cash withdrawal fee anywhere in the world
    • No monthly fee

    Watch out…

    • You must have a good credit record

    Defaqto Star Rating​

    To apply for this card you will need to complete an online application form on the provider’s site.

    Don’t forget…

    • You must be at least 18 years of age
    • Rates and offers dependent on customers credit rating
    • Minimum household income of £7,500
  • Virgin Atlantic Reward+ Credit Card

    Virgin Atlantic Reward+ Credit Card

    Interest free period

    0% for 6 months
    (3.0% transfer fee)*

    Representative APR

    63.9% APR
    (Variable)

    Monthly repayments required to clear balance

    £356.67 for
    6 months

    Representative Example

    *Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 22.9% (variable), with a £160 annual fee, representative 63.9% APR (variable). Credit available subject to status.

    Close more details

    £-34.30
    over 6 months including annual fee

    More details +

    Rewards benefits:

    • 1.5 Flying Club miles for every £1 spent
    • Earn 15,000 bonus miles with your first card purchase - just make sure it’s within 90 days of opening your account.
    • Spend £10,000 a year on your card and choose an extra benefit - an upgrade to Premium, or a Companion ticket.

    Additional information:

    • Double miles when you spend directly with Virgin Atlantic and Virgin Holidays through the Contact Centre and online.

    Fantastic…

    • You can stay connected while you are in the air and at over another one million hotspots worldwide with Boingo Wi-Fi for Mastercard® Cardholders. Terms apply.

    Watch out…

    • You can't transfer a balance from another card issued by Virgin Money
    • Balance transfers and money transfers must be made within the first 60 days to get the promotional offer

    Defaqto Star Rating​

    To apply for this card you will need to complete an online application form on the provider’s site.

    Don’t forget…

    • You must be at least 18 years of age
    • Minimum household income of £7,000
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