COMPARE CREDIT CARDS Download to Excel 
Whichway to pay offers you independent, impartial advice on a range of available credit cards. To make sure you make the right choice, 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; Whichwaytopay gives you the facts in a simple and straight forward way. The table below outlines APR, Balance transfer rates, Purchase rates and other costs, rates and fees. You'll also find clear listings of advantages and disadvantages; so you can choose the right credit card for you.
CARD NAME  | ISSUER | APR | BALANCE TRANSFER RATE | BALANCE TRANSFER PERIOD | PURCHASE RATE | PURCHASE PERIOD | CASHBACK | APPLY |
Virgin Money Credit Card |  | 16.6% | 0% | 14 Months | 0% | 3 Months | N/A |  |
| Virgin Money Mastercard Credit Card offers you 0% on balance transfers for 14 months and instant discounts on selected Virgin products plus 3 months interest free on purchases. Choice of three designs. MORE INFORMATION >> | ||||||||
Barclaycard Platinum with Balance Transfer |  | 16.9% | 0% | 15 months | 0% | 3 months | N/A | |
| Looking for some breathing space? Choose this card and we'll give you just that, with 0% interest on balance transfers for 15 months with 2.9% handling fee. With this Platinum card, you can also take advantage of 0% interest on purchases for 3 months from account opening. MORE INFORMATION >> | ||||||||
5.9% for Life Credit Card | | 16.9% | 5.9% | 60 days | 16.9% | N/A | N/A | |
A brand new offer from MBNA - the Rate for Life credit card. Apply now and receive a special promotional APR of 5.9% (2% Handling Fee Applies) for the life of the balance of the card! Other features to this card include online banking so that you can view and manage your account plus extra secureity thanks to Verified by Visa TM. MORE INFORMATION >> | ||||||||
MBNA Platinum Plus Card | | 16.9% | 0% | 13 Months | 0% | 3 Months | N/A | |
| 0% on Balance Transfers for 13 months and 0% on Card Purchased for 3 months (2.9% handling fee). For this great rate your balance needs to be transferred within the first 90 days of opening your account. MORE INFORMATION >> | ||||||||
MBNA Rewards Points card | | 16.9% | 0% | 13 Months | 0% | 3 Months | N/A | |
| MBNA Rewards Visa Credit card provides one of the most extensive loyalty programmes on the market. Collect points as you spend, and you can redeeem these on Travel, Wine offers, entertainment products including DVD players and television, High street shopping vouchers including - Selfridges, John Lewis, Boots, Halfords, WHSmith, Debenhams and more. You can even redeem the points for cash if you wish. Also 0% p.a. on balance transfers (2.9% Handling Fee Applies)for 13 months and 0% on purchases for 3 months. MORE INFORMATION >> | ||||||||
BT Visa Credit Card | | 16.9% | 0% | 13 Months | 0% | 3 Months | N/A | |
| Every time you spend using your BT Card you'll earn money off your BT bill. 0% on balance transfers for 13 months on transfers made within the first 90 days (3% handling fee applies), 0% on card purchases for 3 months and 16.9% APR typical rate. MORE INFORMATION >> | ||||||||
Halifax All In One Credit Card | | 15.9% | 0% | 10 Months | 0% | 10 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). MORE INFORMATION >> | ||||||||
Sony Credit Card | | 16.9% | 0% | 12 Months | 0% | 6 Months | N/A | |
| This is basically a rewards Credit Card. The Sony Credit Card allows you to earn points towards Sony products every time you use it to make a purchase. One 'Pulsebeat' for every pound spent. This is redeemed for products in the Sony Card Pulse Book rewards brochure. Any Sony products bought with the card will accrue triple points. Also you receive 2000 FREE Sony Card Pulsebeats when you make a card purchase within the first 90 days. MORE INFORMATION >> | ||||||||
Virgin Atlantic American Express® |  | 17.9% | 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. MORE INFORMATION >> | ||||||||
HSBC Credit Card | | 16.9% | 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. MORE INFORMATION >> | ||||||||
Egg Credit Card | | 17.9% | 0% | 01-August -11 | 0% | 01-September-10 | N/A | |
| 24 hr online managed card. Savings on other EGG products available and no annual fee. 0% interest until 1st August 2011 on balance transfers and 0% interest on purchases until 1st September 2010. MORE INFORMATION >> | ||||||||
bmi American Express® from MBNA | | 16.9% | 0% | 12 Months | 0% | 3 Months | N/A | |
| Apply online for the bmi credit card and if you spend £250 on card purchases within 90 days of your account opening MBNA will give you 20,000 destinations miles. That's enough for a return flight to Italy, Spain and many other great destinations! MORE INFORMATION >> | ||||||||
RBS Classic Credit Card | | 16.9% | 16.9% | N/A | 4.9% | 9 Months | N/A | |
| Royal Bank of Scotland classic Mastercard for those over 18 and with a salary of over £10,000 a year. Also known as the RBS Low Purchase Rate credit card - you get 4.9% APR on all purchases for 9 months. Also no balance transfer fee, though no interest free balance transfer period. MORE INFORMATION >> | ||||||||
RBS Platinum Credit Card | | 16.9% | 0% | 15 Months | 0% | 3 Months | N/A | |
| Royal Bank of Scotland Platinum Mastercard for those over 25 and earning over £25,000 a year. 0% on balance transfers for 15 months (2.9% balance transfer fee however) and 0% on purchases for 3 months. Please note this card is for existing RBS customers only. MORE INFORMATION >> | ||||||||
Natwest Platinum Credit Card | | 16.9% | 0% | 15 Months | 0% | 3 Months | N/A | |
| NatWest 0% Credit Card Platinum Mastercard is for those over 25 and earning over £25,000 a year. Please note : this card is for Existing Customers Only. 0% on balance transfers for 15 months and 0% on purchases for 3 months make this an attractive card for current Natwest customers. MORE INFORMATION >> | ||||||||
Natwest Classic Credit Card | | 16.9% | 16.9% | N/A | 4.9% | 9 Months | N/A | |
| Natwest classic Mastercard for those over 18 and with a salary of over £10,000 a year. No interest free balance transfer but no actual balance transfer fee, 4.9% on purchases for 9 months and 16.9% APR. This card is designed for those who want a low purchase rate for purchases. MORE INFORMATION >> | ||||||||
| Virgin Purchases Credit Card | | 18.9% | 0% | 12 months | 0% | 12 months | N/A | |
| The Virgin Credit Card comes with no annual fee and up to 50 days interest free on your card purchases. As well as great rates, such as 0% on balance transfers for 12 months (2.98% handling fee applies) and 0% on card purchases for 12 months, they offer a discount scheme like no other. MORE INFORMATION >> | ||||||||
Miles & More | | 16.9% | 0% | 12 months | 0% | 3 months | N/A | |
| With the Miles and More American Express Credit Card from MBNA you will receive a welcome bonus of 1,500 award miles when you make a card purchase within the first 90 days of your account opening. You can redeem your award miles for great rewards including flights, upgrades, hotel stays and much more. MORE INFORMATION >> | ||||||||
BT Retail Card | | 16.9% | 0% | 6 Months | 0% | 10 Months | N/A | |
| Earn money off your BT bills with the BT Credit Card! In addition, receive an introductory offer of zero per cent on balance and money transfers (2% Handling Fee Applies) for up to 6 months and zero per cent on purchases for 10 months. You will also be able to use online banking and receive fraud protection. MORE INFORMATION >> | ||||||||
Amex Platinum Cashback Credit Card | | 15.9% | 15.9% | N/A | 0% | 56 Days | 3% | |
| American Express Platinum Money credit card gets you a 3% Moneyback standard rate - and 5% MoneyBack for the first three months. MORE INFORMATION >> | ||||||||
MBNA Platinum Dual Credit Card | | 16.9% | 0% | 10 month | 0% | 10 month | N/A | |
| The MBNA Platinum Dual Credit Card is ideal for those who have a balance transfer and for those looking for a promotional rate on card purchases, both in one card. You can keep your finances simple with one rate. MORE INFORMATION >> | ||||||||
MBNA Retail Rewards | | 16.9% | 18.9% | N/A | 0% | 12 Months | N/A | |
| Credit card with fantastic rewards programme. Earn when you spend using your card and redeem the points for flights, cash, shopping vouchers and much more. MORE INFORMATION >> | ||||||||
Play.com | | 16.9% | 0% | 6 months | 0% | 9 months | N/A | |
| With the play.com credit 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). MORE INFORMATION >> | ||||||||
The AA Credit Card | | 16.9% | 0% | 12 months | 0% | 10 months | N/A | |
| The AA Credit Card offers 0% on balance transfers for 12 months (3% handling fee) and 0% on money transfers for 12 months (4%) handling fee). You can earn AA Rewards Points on your everyday spend plus earn double points on motoring spend. MORE INFORMATION >> | ||||||||
The Starwood Preferred Guest Card | | 32% | 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. MORE INFORMATION >> | ||||||||
Sainsbury’s Credit Card | | 15.9% | 0% | 9 months | 0% | 9 months | N/A | |
| Apply for a Sainsbury's Credit Card online and receive several practical features and benefits. To apply you must be over the age of 18, not have a history of bad credit and have a permanent UK address. The Sainsbury’s Credit Card offers 0% for 12 months on Sainsbury’s shopping and 0% for 9 months on all other shopping. There is also 0% for 9 months on balance transfers (3% BT fee applies). MORE INFORMATION >> | ||||||||
Barclaycard Gold | | 19.9% | 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. MORE INFORMATION >> | ||||||||
| Barclaycard Initial | | 29.9% | 29.9% | N/A | 29.9% | N/A | N/A | |
| Barclaycard Initial allows you to enjoy one single, simple rate for purchases and cash advances. You can stay on top of your spending with free text reminders, five days before a payment is dues and you start with a low, manageable credit limit that they can review at a later date. MORE INFORMATION >> | ||||||||
The Express Rewards Credit Card | | 17.9% | 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 MORE INFORMATION >> | ||||||||
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