CREDIT CARD COMPARED (0% Balance Transfer)

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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

Post Office Credit Card
Post Office Credit Card

mastercard16.9%
Representative Example

Representative Example

16.9% APR
Representative (variable)
16.9% APR Purchase rate (variable)
£1,200  Assumed credit limit
Credit is subject to status

0%14 Months0%3 MonthsAsk On ApplicationNoPost Office Credit Card
Get 0% on balance transfers for the first 14 months with the Post Office Credit Card With the card’s great 0% on balance transfer offer for the first 14 months, you could make saving. Extras are: Free purchase protection for up to 90 days for almost all of your purchases, which covers you if purchases are lost, damaged or stolen. There’s no annual fee for the Post Office Credit Card plus you can have up to three additional cardholders.The card is hassle-free with online account management DETAIL INFORMATION >>Acceptance Criteria

Acceptance Criteria

1. To qualify for their Platinum credit card, you must earn over £15,000 a year. A gross annual income of £8,000 a year may qualify you for their Classic card.
2. Credit checks will be carried out


Advantages

Advantages

 
1. 0% on purchases for the first 3 months 
2. No fees on purchases overseas 
3. No cash fee if you purchase Post Office Travel Money


Disadvantages

Disadvantages

1. Cash advance charges
2. Late payment fees
3. Over credit limit charges

Santander 123 Cashback Credit Card
Santander 123 Cashback Credit Card

mastercard22.8%
Representative Example

Representative Example

Not available

0%1 month0%1 month£1,200.003%Santander 123 Cashback Credit Card
With the new Santander 123 Cashback Credit Card, getting rewarded for the things you buy everyday is easy. Whenever you shop at the supermarket, spend in department stores, or fill up at a petrol station†, you'll earn a generous cashback reward, making the Santander 123 Cashback Credit Card the smart way to pay. An annual fee applies. 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. DETAIL INFORMATION >>Acceptance Criteria

Acceptance Criteria

Before starting your application please ensure the following apply:
 
1. You are at least 18 years of age;
2. You have had a permanent UK address for at least the last 3 years;
3. You do not have a history of bad credit (in other words, county court judgements or bankruptcy);
4. You have an income in excess of £7,500.
 
You will need the following information when filling in your application:
 
1. All the addresses you have lived at for the last 3 years (including postcodes);
2. Employers address and postcode;
3. Details of your yearly income and monthly outgoings.


Advantages

Advantages

1. 0% for 1 months from account opening on new purchases
2. 0% for 1 months from account opening on balance transfer
3. 56 days interest free period for Purchases
4. 1% cashback on your supermarket
5. 2% cashback at your favourite department stores
6. 3% cashback when you fill up at major petrol stations


Disadvantages

Disadvantages

1. A maximum spend of £300 on fuel purchases will be eligible for cashback each month (the period between your monthly statements). Once you have reached this maximum amount, any further fuel purchases that you make during that month will not qualify for cashback.
2. Purchases of financial services products (which include travellers' cheques, foreign currency, gift vouchers and insurance) made at a supermarket, department store or petrol station may not qualify for cashback.
3. You must have an income in excess of £7500
4. After one month 18.9% on new purchases and balance transfer

RBS Platinum Credit Card
RBS Platinum Credit Card

mastercard18.9%
Representative Example

Representative Example

Ask on application

0%26 Months0%6 Months£1,200.00NoRBS Platinum Credit Card
Royal Bank of Scotland Platinum Mastercard for those over 18 and earning over £10,000 a year. 0% on balance transfers for 26 months (2.65% fee, min £5). There is no annual fee. 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. DETAIL INFORMATION >>Acceptance Criteria

Acceptance Criteria

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


Advantages

Advantages

0% on balance transfers for 26 months
0% on purchases for 6 months


Disadvantages

Disadvantages

1. 18.9% APR is fairly high
2. Only available to existing RBS customers
3. You must be aged over 18 and earning at least £10,000 to apply.

Natwest Platinum Credit Card
Natwest Platinum Credit Card

mastercard18.9%
Representative Example

Representative Example

Ask on application

0%26 Months0%6 Months£1,200.00NoNatwest Platinum Credit Card
The Platinum Credit Card allows you to pay 0% on purchases for 6 months from account opening. Transfer your existing balances and pay 0% for 26 months transferred within 6 months. 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

0% interest for 26 months on all balances transferred within 6 months. (2.9% fee, min £5)
0% on purchases for 6 months


Disadvantages

Disadvantages

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

British Airways American Express Premium Plus Card
British Airways American Express Premium Plus Card

Amex Card56.4%
Representative Example

Representative Example

Representative 56.4% APR variable. Based on annual fee of £150 and assumed credit limit of £1200. Interest rate for purchases: 19.9% p.a. variable

0%Not available19.9%N/AAsk On ApplicationNoBritish Airways American Express Premium Plus Card
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. 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. DETAIL INFORMATION >>Acceptance Criteria

Acceptance Criteria

1. I am aged 18 or over
2. I have a current UK bank or building society account
3. I have a permanent UK home address
4. I have a household income of at least £30,000
5. I have no history of bad debt
6. And if self-employed, I have been working for more than one year


Advantages

Advantages

1. Roam the skies.
2. Fly with a friend.
3. Help getting off the ground.
4. Support 24/7
5. Rewards programme available.


Disadvantages

Disadvantages

1. £150 annual fee

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

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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.

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Credit Cards Gallery

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