CREDIT CARD COMPARED 

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Credit cards are one of the most popular financial products in the world and most people will have one at some point in their lives. With this in mind the credit market is huge and it can be very overwhelming finding a good deal. However, Which Way to Pay offers you independent, impartial advice on a range of available credit cards. There are a variety of different types of credit cards that you can consider. To make sure you make the right choice when researching cards, we compare the most widely available credit cards, all offering different advantages and benefits. Whether you're looking to earn airmiles, make your money ethical or simply get a great transfer deal on your credit cards; Which Way to Pay gives you the facts in a simple and straight forward way. The table outlines the representative APR, Balance transfer rates, Purchase rates and other costs, rates and fees on a variety of credit cards. Get the right card for your needs and your finances.

Search Report: ALL  0% Purchases  0% Balance Transfers  Life Of Balance  Cashback

If you wish to speak to someone: Contact Us or Enquiry Line: +44 (0) 207 386 5300

CARD NAMEISSUER

ISSUER

Card issuer

REPRESENTATIVE APR

REPRESENTATIVE APR

A Representative APR is a financial service concept in which interest rates quoted through advertising media is required to take into account all charges associated with a product, in addition to the interest rate

BALANCE TRANSFER RATE

BALANCE TRANSFER RATE

A credit card balance transfer is the transfer of the balance (the money) in a credit card account to an account held at another credit card company

MONEY TRANSFER RATE

MONEY TRANSFER RATE

The time period over which you can transfer your balance at a special rate

PURCHASE RATE

PURCHASE RATE

A purchase rate is the interest rate charged on regular purchases put on a credit card. It differs from a cash advance rate in that it is lower because banks and issuers view regular purchases as less risky

PURCHASE PERIOD

PURCHASE PERIOD

Period of time in which there is a special offer on the purchase rate

CREDIT LIMIT

CREDIT LIMIT

The limit of credit offered to you by the credit card provider

CASHBACK

CASHBACK

Is cashback available on purchases

MORE INFO

Natwest Clear Rate Platinum Credit Card
Natwest Clear Rate Platinum Credit Card

mastercard11.1%
Representative Example

Representative Example

Representative 11.1% APR (variable) based on an assumed Credit Limit of £1,200. Standard interest rate for purchases: 6.9% p.a. (variable). Annual fee: £24. The actual credit limit assigned to your account will vary depending on our credit assessment of you.

6.9%56 days6.9%56 days£1,200.00NoNatwest Clear Rate Platinum Credit Card
Why choose the Clear Rate Platinum Credit Card? No confusing introductory offers, a simple, low rate for balance transfers and purchases – 6.9% p.a. (variable) Plus no balance transfer fees – just one annual fee of £24. Before you apply for a credit card it is important that you consider your financial circumstances carefully. Work out which credit card is best for you. Make sure that you read the terms and conditions carefully so that you understand your financial obligations before you apply. It is important to make sure that this is the right card for you before you apply. DETAIL INFORMATION >>Acceptance Criteria

Acceptance Criteria

To apply you should have an income of at least £10,000 p.a. and be aged 18 or over.


Advantages

Advantages

1. No confusing introductory offers

2. A simple, low rate for balance transfers and purchases – 6.9% p.a. (variable)
3. No balance transfer fees – just one annual fee of £24


Disadvantages

Disadvantages

Only customers with a Natwest current account, savings, loan, mortgage, credit card or insurance may apply

RBS Clear Rate Platinum Credit Card
RBS Clear Rate Platinum Credit Card

mastercard11.1%
Representative Example

Representative Example

Representative 11.1% APR (variable) based on an assumed Credit Limit of £1,200. Standard interest rate for purchases: 6.9% p.a. (variable). Annual fee: £24. The actual credit limit assigned to your account will vary depending on our credit assessment of you.

6.9%56 Days6.9%56 Days£1,200.00NoRBS Clear Rate Platinum Credit Card
Royal Bank of Scotland Platinum Mastercard for those over 18 and earning over £10,000 a year. No balance transfer fees – just one £24 annual fee. Get 1% snipped off any balance you transfer - up to a total of £50. Most credit cards charge you to transfer a balance, but not Clear Rate Platinum. RBS will never charge balance transfer fees, no matter how much you transfer. In fact, between now and the end of August, they will even pay 1% off any balance you transfer, up to a total of £50. DETAIL INFORMATION >>Acceptance Criteria

Acceptance Criteria

You must be aged over 18 and earning at least £10,000 to apply.


Advantages

Advantages

1. No need to worry about teaser rates that jump up and sting you when the 0% offer ends
2. One simple low rate of 6.9% p.a. (variable) on purchases and balance transfers
3. No balance transfer fees – just one £24 annual fee


Disadvantages

Disadvantages

1. You must be aged over 18 and earning at least £10,000 to apply.

Barclaycard Cashback Business Credit Card
Barclaycard Cashback Business Credit Card

Visa Card25.1%
Representative Example

Representative Example

Representative Example: If you spend £1,500 at a purchase interest rate of 19.9% (variable) with a £32 annual Fee your Representative APR will be 25.1% (variable).

NoN/A0%3 months£1,000.003%Barclaycard Cashback Business Credit Card
Reward those unavoidable costs you already face every day in your business. Things like office supplies & stationery, legal and accounting services, computer equipment and support. Plus now get 0% interest on purchases for 3 months from account opening 0% on purchases for 3 months gives you instant cashflow options when you need it most and maintains your spending power. Up to 56 days interest-free credit from date of transaction. DETAIL INFORMATION >>Acceptance Criteria

Acceptance Criteria


Advantages

Advantages

1. Up to 3% cashback on your business spend. Breakdown ..
2. 3% cashback on office supplies & stationery, legal and accounting services, computer equipment and support
3. 1% cashback on fuel at petrol stations – perfect for offsetting spiralling transport costs
4. 0.5% cashback on any other spend
5. 0% on purchases for 3 months gives you instant cashflow options when you need it most and maintains your spending power, that's on top of up to 56 days of interest free credit when you pay off your balance in full each month.
6. Purchase protection
7. Warranty extension
8. Cardholder Misuse protection
9. Travel Accident cover
10. Up to 55% off usual membership rates with The AA


Disadvantages

Disadvantages

1. *£400 maximum limit for Cashback. Cashback paid once a year at the anniversary of account opening.
2. If you earn less than £10 cashback in any Cashback year it will not be credited to your account and will not be carried forward to the following year

Natwest Cashback Plus Credit Card
Natwest Cashback Plus Credit Card

mastercard17.4%
Representative Example

Representative Example

Representative 17.4% APR (variable) based on an assumed Credit Limit of £1,200. Standard interest rate for purchases: 12.9% p.a. (variable). Annual fee: £24.

12.2%0 Days12.9%56 Days£1,200.0012.2%Natwest Cashback Plus Credit Card
Cashback Plus is a loyalty programme for Natwest personal current account and Credit Card customers. Natwest will automatically link all of our NatWest eligible card(s) to your Cashback Plus account. All you need to do is set up an online account, to be able to view and redeem your rewards. The programme is designed for you to collect Rewards when you shop.  DETAIL INFORMATION >>Acceptance Criteria

Acceptance Criteria

To apply you must be earning over £10k p.a., be resident in mainland UK and over 18 years old


Advantages

Advantages

1. Earn Rewards for your everyday spend.

2. 5 star Defaqto rated Cashback Plus Credit Card
3. Earn rewards with Apple Pay


Disadvantages

Disadvantages

1. your credit limit will depend on your circumstances. You may receive higher than our standard purchase and balance transfer rate of 12.9% p.a. (variable) upon application - up to 20.9% p.a. (variable).

RBS Cashback Plus Credit Card
RBS Cashback Plus Credit Card

mastercard17.4%
Representative Example

Representative Example

Representative 17.4% APR (variable) based on an assumed Credit Limit of £1,200. Standard interest rate for purchases: 12.9% p.a. (variable). Annual fee: £24.

12.2%0 Days12.9%56 Days£1,200.0012.2%RBS Cashback Plus Credit Card
You’ll earn Rewards every time you use the RBS Cashback Plus Credit Card to pay for qualifying purchases at any of the Cashback Plus retailers. You’ll earn at least 1% of your spend back as Rewards, which will build up in your Cashback Plus balance. As well as earning Rewards at Cashback Plus retailers, customers who have the Cashback Plus Credit Card will earn Rewards every time they use it. They will earn 1% on all supermarket shopping and 0.5% on everything else. DETAIL INFORMATION >>Acceptance Criteria

Acceptance Criteria

To apply you must be earning over £10k p.a., be resident in mainland UK and over 18 years old


Advantages

Advantages

1. Earn Rewards for your everyday spend.

2. 5 star Defaqto rated Cashback Plus Credit Card
3. Earn rewards with Apple Pay


Disadvantages

Disadvantages

1. Your credit limit will depend on your circumstances. You may receive higher than our standard purchase and balance transfer rate of 12.9% p.a. (variable) upon application - up to 20.9% p.a. (variable).

If you wish to speak to someone: Contact Us or Enquiry Line: +44 (0) 207 386 5300

Compare Credit Cards

Credit cards are one of the most popular financial products in the world. However, you need to be careful.

Why should you get a Credit Card?

When you are given a credit card you are given a line of credit which is essentially a form of borrowing. The exact amount you can borrow is called a credit limit and this figure is based on your credit history. People take out credit cards because they allow you to pay for purchases in small monthly instalments and they give you more financial freedom.

People like spending with a credit card because they are convenient, easy to use and they have worldwide acceptance.

What are interest rates?

Credit cards have an interest rate, which is the annual rate you pay for borrowing the credit on your card. Interest rates are usually based on market interest rates, your credit history and the type of credit card you have. You will find that the better your credit history the higher your credit limit and the lower the interest. If you have a poor credit history you will be given considerably higher interest rates.

Credit cards may offer introductory rates that are lower than the standard interest rate for a specified term. This introductory rate is usually for purchases and balance transfers but it may also apply to cash advances.

Don’t fall into debt

Getting into debt with a credit card can be very easy. Do not abuse a credit card and always remember it is not free money. You will have to deal with harsh penalties for missing payments and exceeding credit limits not to mention damage your credit rating.

It can be all too easy to build up credit card debt that you cannot afford. The interest rate on credit cards can be expensive which means that they are not necessarily to most cost-effective method of carrying debt on an ongoing basis. You should at least pay the minimum amount due every month and where possible pay charges in full.

Getting the right credit card for you and your finances

Use the table above to compare different credit cards. Always make sure you read the small print fully and that you understand what the consequences are of missing payments.

As with any financial product it is important that you take the time to research the market and consider your options carefully. You need to make sure you get the right card for your personal finances.

There are a wide range of credit cards on the market from credit cards for students and cards for businesses. You can also find credit cards that come with some great rewards programmes such as cash back features, free airmiles and other discounts and offers. Some cards also come with additional features such as travel insurance so bear this in mind. To help you find the right card think about how you want to use the card.

Always read the terms and conditions

If you are in any doubt then you should seek independent financial advice. If you are not able to make the monthly repayments then you could find yourself in financial hardship which could also have a negative effect on your credit history.

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