COMPARE CREDIT CARDS - BEST CREDIT CARDS COMPARED
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Which Way to Pay offers you independent, impartial advice on a range of available credit cards. To make sure you make the right choice when researching card, we compare the most widely available credit cards, all offering different advantages and benefits including; Amex, Barclay, Egg, Goldfish, Royal Bank of Scotland and many more.
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All Cards 0% Purchases 0% Balance Transfers Life Of Balance Cashback
Whether you're looking to earn airmiles, make your money ethical or simply get a great transfer deal; Which way to pay gives you the facts in a simple and straight forward way. The table below outlines the representative APR, Balance transfer rates, Purchase rates and other costs, rates and fees on a variety of credit cards. You'll also find clear listings of credit card advantages and disadvantages; so you can choose the right credit card for you.
CARD NAME  | ISSUER | REPRESENTATIVE APR | BALANCE TRANSFER RATE | BALANCE TRANSFER PERIOD | PURCHASE RATE | PURCHASE PERIOD | CASHBACK | APPLY |
Capital One World MasterCard |  | 19.9% Example Representative ExampleAssuming a credit limit of £1,200, an annual fee of £30 and an interest rate on purchases of 14.47% p.a. variable, you will receive a 19.9% APR representative variable. | 14.47% | 0 Months | 14.47% | 0 Months | 1% |  |
| The Capital One World MasterCard offers you no Limits Cashback so you can earn 1% cashback on all purchases you make. In addition there is a £10 bonus credit awarded to you every January to say thanks for choosing Capital One. You must be over the age of 21 years and have an income of more than £20,000 p.a to apply. DETAIL INFORMATION >> | ||||||||
The AA Credit Card |  | 16.9% Example Representative Example16.9% p.a. variable on card purchases; This is equivalent to 16.9% APR† representative variable based on a credit limit of £1200 | 0% | 9 months | 0% | 12 months | N/A | |
| The AA Credit Card offers 0% for 10 months on all card purchases and 0% on balance transfers for 12 months. Plus earn up to 4% back with the AA rewards programme. Earn reward points for every £1 you spend, and double on fuel and motoring. Use your points to treat yourself – choose from a huge range of products including cash back. DETAIL INFORMATION >> | ||||||||
Barclaycard Platinum | | 17.5% Example Representative ExampleAssumed borrowing of £1,200; Representative 17.5% APR (variable); Standard interest rate for purchases: 17.5% p.a. (variable) | 0% | 20 months | 0% | 3 months | N/A | |
| A credit card with a low 17.5% APR, plus 0% interest free on balance transfers for 20 months (3.2% BT handling fee applies) and 0% interest on purchases for 3 months, both from account opening. DETAIL INFORMATION >> | ||||||||
Virgin Money Credit Card | | 18.99% Example Representative ExampleAssumed borrowing of £1,200; Representative 16.8% APR (variable); Standard interest rate for purchases: 16.8% p.a. (variable) Address: MBNA, Stansfield House, Chester Business Park, Chester CH4 9QQ | 0% | 20 Months | 0% | 3 Months | N/A | |
| The Virgin Money Mastercard Credit Card offer you 0% on balance transfers for 20 months and instant discounts on selected Virgin products plus 3 months interest free on purchases. Choice of three credit cards design. DETAIL INFORMATION >> | ||||||||
Barclaycard Initial | | 29.9% Example Representative ExampleNot available | 29.9% | N/A | 29.9% | N/A | N/A | |
| The Barclaycard initial has a sensible spending limit which can actually help you to improve your credit. Enjoy one single, simple rate for purchases and cash advances 29.9% APR typical (variable). This card could be right for you is you have a limited credit history and earn more than £10,000 a year. DETAIL INFORMATION >> | ||||||||
Virgin Atlantic American Express® |  | 17.9% Example Representative ExampleAssumed borrowing of £1,200; Representative 17.9% APR (variable); Standard interest rate for purchases: 17.9% p.a. (variable) | 0% | 6 Months | 0% | N/A | N/A | |
| Earn Virgin Atlantic Flying Club miles with every purchase and 3,000 bonus Flying Club miles upon your first spend. A host of other travel related bonuses incuding free flights and travel insurance. DETAIL INFORMATION >> | ||||||||
Halifax All In One Credit Card | | 17.9% Example Representative ExampleAssumed borrowing of £1,200; Representative 15.9% APR (variable); Standard interest rate for purchases: 15.9% p.a. (variable) Address: The Mound, Edinburgh EH1 1YZ | 0% | 12 Months | 0% | 12 Months | N/A | |
| The Halifax All in One Credit Card offers a fantastic 0% for 10 months on purchases and on balances transferred within the first 90 days (3% balance transfer fee applies). A typical rate of 15.9% APR (variable). You could start saving today with one of these Credit Cards. DETAIL INFORMATION >> | ||||||||
NatWest YourPoints World MasterCard | | 17.9% Example Representative ExampleRepresentative Example: Representative 17.9% APR (variable) based on assumed Credit Limit of £1,200. Standard interest rate for purchases: 17.95% p.a. (variable). | 0% | 13 months | 0% | 13 months | N/A | |
Pay 0% on balance transfers (2.9% fee, min £5) and 0% on purchases for 13 months. Plus turn your everyday spending in to great rewards by earning YourPoints on every pound you spend, with 2,500 points to get you started. After the introductory period the standard annual rate for balance transfers and purchases will be 17.95% p.a. (variable). DETAIL INFORMATION >> | ||||||||
RBS YourPoints World MasterCard | | 17.9% Example Representative ExampleRepresentative example: Representative APR 17.9% APR (variable), Purchase rate 17.95% p.a. (variable), Assumed credit limit: £1,200 | 0% | 13 Months | 0% | 13 Months | N/A | |
| Turn ordinary spending into extraordinary rewards and earn 1 point for every £1 you spend on your RBS YourPoints World MasterCard. Over 18s only. Min. income: £10 K. DETAIL INFORMATION >> | ||||||||
Capital One Progress | | 29.9% Example Representative ExampleAssuming a credit limit of £1,200 and an interest rate on purchases of 29.94% p.a. variable, you will receive a 29.9% APR representative variable. | 29.94% | 0 Months | 29.94% | 0 Months | N/A | |
| Shrink your interest rates to as low as 17.9% p.a. variable. With the Capital One Progress Card you can enjoy reduced interest rates if you stay within your credit limit and keep up your minimum repayments. DETAIL INFORMATION >> | ||||||||
AA Balance Transfer Credit Card | | Example Representative Example17.9% p.a. (variable) on card purchases. Equivalent to 17.9% APR reprentative (variable). Based on a credit limit of £1,200. | 0% | 16 months | 0% | 3 months | N/A | |
| Our new card comes with our longest ever 0% period. The AA Credit Card now offers 0% on balance transfers for 16 months with a handling fee of 2.9%; just make sure you transfer in the first 60 days of account opening. See how much you could save with our balance transfer calculator. DETAIL INFORMATION >> | ||||||||
Capital One Transfer | | 16.8% Example Representative ExampleAssuming a credit limit of £1,200 and an interest rate on purchases of 16.83% p.a. variable, you will receive a 16.8% APR representative variable. | 0% | Apr 2013 | 0% | Jan 2012 | N/A | |
| If you have a very good credit history, then apply online for the Capital One Transfer Card and receive 0% on balance transfers until Apr 2013 and 0% on purchases until Jan 2012. Receive a credit limit of up to £12,000 and great benefits. DETAIL INFORMATION >> | ||||||||
Capital One Click Card | | 9.9% Example Representative ExampleAssuming a credit limit of £1,200 and an interest rate on purchases of 9.94% p.a. variable, you will receive a 9.9% APR representative variable. | 9.9% | 0 Days | 9.9% | 0 Days | N/A | |
| Designed for people who want more rewards and enhanced security while doing what they love most - shopping online!
The Click Card gives you unlimited access to exclusive rewards with leading fashion, travel and lifestyle brands and provides enhanced security to keep your card protected. We'll also send you new and exciting discounts every three months. DETAIL INFORMATION >> | ||||||||
HSBC Credit Card | | 16.9% Example Representative ExampleAssumed borrowing of £1,200; Representative 16.9% APR (variable); Standard interest rate for purchases: 16.9% p.a. (variable) | 0% | 15 Months | 0% | 3 Months | N/A | |
| 0% for 15 months on balances transferred within 30 days of you opening your account (A 2.9% balance transfer fee applies)and 3 month interest free purchase fee. Access to the HSBC Travel Club which provides a guaranteed 8% discount off 1000’s of holidays. Please note: This product is currently only available to existing HSBC current account customers. DETAIL INFORMATION >> | ||||||||
RBS Platinum Credit Card | | 16.9% Example Representative ExampleRepresentative 16.9% APR (variable) based on an assumed Credit Limit of £1,200. Standard interest rate for purchases: 16.95% p.a. (variable) | 0% | 16 Months | 0% | 3 Months | N/A | |
| Royal Bank of Scotland Platinum Mastercard for those over 18 and earning over £10,000 a year. 0% on balance transfers for 16 months (2.9% balance transfer fee however) and 0% on purchases for 3 months. No annual fee. DETAIL INFORMATION >> | ||||||||
British Airways American Express® Credit Card | | 50.1% Example Representative Example50.1% APR variable. Based on annual fee of £150 and assumed credit limit of £1200. Interest rate for purchases: 19.9% p.a. variable. | 27.9% | N/A | 19.9% | N/A | N/A | |
| Transform your everyday spending into British Airways flights. The British Airways American Express® Credit Card gives new Cardmembers the opportunity to earn 9,000 bonus Avios points (when they spend £1,000 in the first 3 months). Or they can apply for the British Airways American Express® Premium Plus Card and earn 18,000 bonus Avios points (when they spend £3,000 in first 3 months). Offers expire on 29th February 2012. DETAIL INFORMATION >> | ||||||||
Saga Platinum Credit Card | | 11.9% Example Representative ExampleIf you had a credit limit on your card of £1,200, you used your full limit to make a single card purchase immediately after receiving your card and you repaid in equal monthly payments over 12 months at an interest rate of 11.3% variable, (Representative 11.9% APR variable), the total amount you will pay back is £1,274.69. | 0% | 9 Months | 0% | 9 Months | N/A | |
| Saga Platinum provides you with many features that you would want from a quality credit card including, 0% foreign currency fee, 0% on purchases and balance transfers for the first nine months and a secure online account management service. You must be over the age of 50 years old to apply. DETAIL INFORMATION >> | ||||||||
Lloyds TSB Platinum Credit Card | | 17.9% Example Representative ExampleAssumed borrowing of £1,200; Representative 17.90% APR (variable); Standard interest rate for purchases: 15.94% p.a. (variable) | 0% | 15 Months | 0% | 3 Months | N/A | |
| With 0% for 15 months*, our Platinum Credit Card could save you money when you transfer a balance from another lender (3% fee applies). You'll also get 0% for 3 months on purchases – helping you spread the cost of what you buy. Active Account Monitoring to spot any suspicious spending. Keep track of your money across your Lloyds TSB personal current and credit card accounts with Money Manager. DETAIL INFORMATION >> | ||||||||
Bank Of Scotland Online Credit Card | | 15.9% Example Representative ExampleAssumed borrowing of £1,200; Representative 15.9% APR (variable); Standard interest rate for purchases: 15.9% p.a. (variable) | 0% | 9 Months | 0% | 12 Months | N/A | |
| The Bank Of Scotland Online Credit Card Exclusive means you can enjoy 0% for 12 months on purchases and for 9 months on balance transfers (3% balance transfer fee). To qualify for one of these credit cards you will need to have a Bank of Scotland Current Account which you pay £1,000 or more into each month or hold an Ultimate Reward Current Account. DETAIL INFORMATION >> | ||||||||
Post Office Credit Card | | 16.9% Example Representative ExampleAssumed borrowing of £1,200; Representative 16.9% APR (variable); Standard interest rate for purchases: 16.9% p.a. (variable) | 0% | 12 Months | 0% | 3 Months | N/A | |
| No cash advance fee on Post Office travel money. Even before you jet off on holiday, you could start to save by paying for your travel money on your Post Office Credit Card. Great card compared to the other credit cards for travel - with 0% commission on purchases overseas. DETAIL INFORMATION >> | ||||||||
Natwest Platinum Credit Card | | 16.9% Example Representative ExampleRepresentative 16.9% APR (variable) based on an assumed Credit Limit of £1,200. Standard interest rate for purchases: 16.95% p.a. (variable) | 0% | 16 Months | 0% | 3 Months | N/A | |
| The Platinum Credit Card allows you to pay 0% on purchases for 3 months from account opening. Transfer your existing balances and pay 0% for 16 months. DETAIL INFORMATION >> | ||||||||
Lloyds Advance Credit Card | | 11.9% Example Representative ExampleAssumed borrowing of £1,200; Representative 11.9% APR (variable); Standard interest rate for purchases: 11.9% p.a. (variable) | 4.9% | 12 Months | 0% | 6 Months | N/A | |
| Our Advance MasterCard® Credit Card is your perfect shopping partner with an introductory offer of 0% on purchases for 6 months. Representative 11.9% APR (variable). This product is not available to existing Lloyds TSB credit card customers. DETAIL INFORMATION >> | ||||||||
Play.com | | 16.9% Example Representative ExampleAssumed borrowing of £1,200; Representative 16.9% APR (variable); Standard interest rate for purchases: 16.9% p.a. (variable) | 0% | 6 months | 0% | 9 months | N/A | |
| With the play.com card, you can earn play points and redeem for play.com gift vouchers which you can use against over 8 million products on the play.com website. They offer 0% on balance transfers for 6 months (1.5% handling fee applies). See acceptance criteria for more information. DETAIL INFORMATION >> | ||||||||
The Starwood Preferred Guest Card | | 34.5% Example Representative ExampleAssumed borrowing of £1,200; Based on £75 annual fee; Representative 34.5% APR (variable); Standard interest rate for purchases: 19.9% p.a. (variable) | 19.9% | N/A | 19.9% | N/A | N/A | |
| Earn 1 Starpoint® for virtually every £1 you spend on the Card then use your points towards free nights, free flights, upgrades, instant awards and access to extraordinary events. Apply now and receive 10,000 Welcome Starpoints for first purchase when £1,000 is spent in the first 3 months- enough for up to 3 free nights. DETAIL INFORMATION >> | ||||||||
British Airways American Express® Premium Plus Card | | 50.1% Example Representative ExampleTypical 50.1% APR variable. Based on £150 annual fee, assumed borrowing of £1200, rate of interest (variable) annual 19.9%/1.53% per month. | 0% | Not available | 19.9% | N/A | N/A | |
| The British Airways American Express® Premium Credit Card gives new Cardmembers a chance to earn 18,000 bonus Avios points (when they spend £3,000 in first 3 months). Offers expire on 29th February 2012. DETAIL INFORMATION >> | ||||||||
Barclaycard Gold | | 19.9% Example Representative ExampleAssumed borrowing of £1,200; Representative 19.9% APR (variable); Standard interest rate for purchases: 19.9% p.a. (variable) | 0% | Until July 2011 | 19.9% | N/A | N/A | |
| Barclaycard Gold Credit Card give you 0% interest on balance transfers until July 2011 from account opening with a 2.5% handling fee. Barclaycard Gold includes many practical features and benefits such as an Identity Protection Service, Fraud Monitoring, Purchase Delivery Protection, Worldwide Assistance and Emergency Card Replacement and Cash Advance. DETAIL INFORMATION >> | ||||||||
The Express Rewards Credit Card | | 17.9% Example Representative ExampleAssumed borrowing of £1,200; Representative 17.9% APR (variable); Standard interest rate for purchases: 17.9% p.a. (variable) | 17.9% | N/A | 0% | 6 months | N/A | |
| With the Express Rewards Credit Card, you earn more points in the places you use your card the most. Earn up to 3 points for every £1 spent at major UK supermarkets, 2 points for every £1 at UK department stores and 1 point for every £1 elsewhere. Virtually every time you use your Card, you'll earn points, which you can save up and exchange for £25 vouchers from a selection of leading retailers, both on the high street and online DETAIL INFORMATION >> | ||||||||
NEWS / CHARTS
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