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 |
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 >> | ||||||||
Halifax All In One Credit Card |  | 15.9% | 0% | 10 Months | 0% | 10 Months | N/A | |
| The Halifax All in One Mastercard offers 0% for the first 10 months on balance transfers and an impressive 10 months interest free on purchases. Choice of 5 colours. MORE INFORMATION >> | ||||||||
Capital One Balance Transfer and Purchase | | 15.9% | 6.9% | Until 1st January 2012 | 0% | 1st October 2009 | N/A | |
| Capital One Balance Transfer & Purchase credit card is aimed at individuals who want a good balance tranfer interest free period as well as an interest free purchase period. Choose from 8 designs. MORE INFORMATION >> | ||||||||
MBNA Rewards Points card |  | 15.9% | 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 for 13 months and 0% on purchases for 3 months. MORE INFORMATION >> | ||||||||
Capital One Low Rate Balance Transfer | | 15.9% | 5.5% | Until Repaid | 0% | Until 1st April 2009 | N/A | |
| The Capital One Low Rate Balance Transfer Card is a card designed for individuals who want a low interest rate for a balance transfer until it is repaid, rather than a shorter introductory interest-free period. Choose from 8 designs. 0% on purchases until 1st April 2009. MORE INFORMATION >> | ||||||||
Virgin Money Credit Card | | 16.6% | 0% | 16 Months | 0% | 3 Months | N/A | |
| Virgin Money Mastercard Credit Card offers you 0% on balance transfers for 16 months and instant discounts on selected Virgin products plus 3 months interest free on purchases. Choice of three designs. 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 >> | ||||||||
Natwest Gold Credit Card | | 16.9% | 8.9% | Life of Balance | 16.9% | N/A | N/A | |
| Natwest Gold Mastercard - otherwise known as 'Balance Shrinker'. For over 21s earning over £20,000 a year. Natwest help you shrink your credit card balance – every 6 months they pay 2% of the remaining original balance transfer back into your account. No balance transfer fee and 8.9% p.a. for the life of balances transferred. Also take advantage of 8.9% on purchases for 9 months from account opening. 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 2.5% 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 >> | ||||||||
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 >> | ||||||||
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 Gold Credit Card | | 16.9% | 8.9% | Life of Balance | 8.9% | 9 Months | N/A | |
| Royal Bank of Scotland Gold Mastercard for over 21s earning over £20,000 a year. Also known as RBS Balance Shrinker - this card is designed to help you shrink your card balance - every 6 months RBS pay 2% of the remaining original balance transfer back into your account. 8.9% p.a. for the life of balances transferred and also 8.9% on purchases for 9 months from account opening. 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 >> | ||||||||
Virgin Atlantic American Express® | | 17.9% | 0% | 6 Months | 0% | N/A | N/A | |
| Earn Virgin Atlantic Flying Club miles with every purchase and 3,500 bonus Flying Club miles upon your first spend. A host of other travel related bonuses incuding free flights and travel insurance. MORE INFORMATION >> | ||||||||
Amex British Airways Credit Card | | 19.9% | 17.9% | N/A | 0% | 56 Days | N/A | |
| American Express British Airways card which has a host of travel benefits including air miles and Travel Insurance. MORE INFORMATION >> | ||||||||
NatWest Black Credit Card | | 51.8% | 13.15% | N/A | 13.15% | N/A | N/A | |
| This is a premium card for for high net customers - £75k minimum annual income, and is over 25s only. But you get a minimum £15,000 credit limit. There is a £250 annual fee. but you get access to over £1,300 benefits including travel insurance, breakdown cover, home emergency cover, airport lounge access and 24/7 personal advisor. 51.8% APR is very high BUT this is compliant with Consumer Credit Act regulations and is calculated with £1,500 limit coupled with the £250 fixed annual card fee distorts the advertised APR. Annual interest rate is actually 12.4%. MORE INFORMATION >> | ||||||||
RBS Black Credit Card | | 51.8% | 13.15% | N/A | 13.15% | N/A | N/A | |
| This is RBS's premium card for for high net customers - £75k or thereabouts minimum annual income, and for over 25s only. You get a minimum £15,000 credit limit. There is a £250 annual fee. But you get access to over £1,300 benefits including travel insurance, breakdown cover, home emergency cover, airport lounge access and 24/7 personal advisor. 51.8% APR is very high BUT this is compliant with Consumer Credit Act regulations and is calculated with £1,500 limit coupled with the £250 fixed annual card fee distorts the advertised APR. Annual interest rate is actually 12.4%. MORE INFORMATION >> | ||||||||
American Express Green Charge Card | | 0% | 0% | N/A | 0% | N/A | N/A | |
| Membership Rewards - Earn reward points for almost every pound you spend. Redeem them for a number of rewards. Up to 2 free additional Cards available for family and friends. Please note this is a charge card so interest must be paid in full every month though there is no interest on purchases MORE INFORMATION >> | ||||||||
MBNA Platinum Plus Card | | 15.9% | 0% | 13 Months | 0% | 3 Months | N/A | |
| 0% on balance transfers until June 2010 (2.9% handling fee). For this great rate your balance needs to be transferred within the first 90 days of opening your account. 0% on card purchases until August 2009. MORE INFORMATION >> | ||||||||
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