REWARD CREDIT CARDS (0% Balanace Transfer)

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Why not get a credit card that carries extra benefits and you don't have to change the way you use the card? Reward credit cards are widely popular in the UK and there are plenty to of reward credit cards to choose from. If you travel a lot by air, perhaps you could pick one of the Reward credit cards that gives you points or rewards every time you purchase a flight with the card. Some cards even come with some great cash back programmes. Aside from the bonus features of the Reward credit cards, remember to look out for the other aspects of each card. Make sure that apart from the rewards are you still getting a good deal on the card? Make sure you look are what is the representative APR? Look at the example under each rate, and look at other pros and cons, such as purchase period and balance transfers. Use the table below to compare reward credit cards. Before you apply make sure you read the terms and conditions thoroughly.

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

BALANCE TRANSFER RATE

BALANCE 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

REWARDS

REWARDS

Rewards for use of card

MORE INFO

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).

0%N/A0%3 months£1,000.003%Credit Card Rewards

Rewards

3% cashback on office supplies & stationary, legal & accounting services, computer equipment and support, 1% cashback on fuel at petrol stations and 0.5% cashback on any other spend

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

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

Compare Reward Credit Cards

Reward Credit Cards

With a rewards credit cards you can earn rewards simply for spending. These could be cashback programmes, airmiles and a variety of other offers and discounts on things like hotel stays to clothing. A reward credit card can therefore help your money go further. The right card for you will depend on your lifestyle and what sort of rewards you want to earn. Be careful with a reward card because these cards encourage spending as the more you spend the more rewards you earn so you must be disciplined. These cards are best suited for people who pay off their balance in full each month. When choosing the right reward card do not be drawn in just because of the rewards. Look at all the other features to make sure that besides the reward programme, you really are still getting a good deal.

With a rewards card the card holder 'earns' points or rewards each time they use the card to make a purchase either anywhere or they may only be able to gather points/rewards when the card is used for purchases from particular retailers/companies. Reward credit cards are often marketed as giving the customer something back in return for making purchases. In other words, the card will 'reward' you for spending. This is one way of looking at it but perhaps it is wise to stick to sensible spending rather than increasing the amount you buy!

What is APR?

The APR, or Annual Percentage Rate, is the amount a lender/provider charges you for 'borrowing' money. Unfortunately, different lenders have different ways of working out this rate, so you may end up with different answers.

Typical APR: was the rate that at least two-thirds of borrowers would be offered (or 66%). Of course, the rate still varied according to the individual's personal circumstances and credit rating but it was the rate that the majority of applicants received.

Representative APR: is the rate that only has to be offered to 51% of applicants. In other words, far fewer people will actually receive the rate that is advertised than before. As before, the rate you receive will depend on your personal circumstances. All secured loans (including mortgages) will continue to use typical APR. You will notice that wherever the APR is advertised, it will be accompanied by an example this is useful and will provide information on the charges and other important elements of the loan or credit card.

What is a 0% balance transfer fee?

Many cards offer 0% for a certain amount of time, at which point the rate returns to the usual rate of interest. Find out what happens to any outstanding debt after this time is up; make sure you know when the dates are and more importantly what the 'regular' rate of interest is; many of these cards will have steeper overall interest rates.

Always read the terms and conditions

Always read the teams and conditions and if you are in any doubt then you should seek independent financial advice. It is important with reward credit cards that you make the monthly repayments so that you do not end up paying extortionate interest on your purchases.

REWARDS CREDIT CARDS - LATEST NEWS News and Charts

Earn by spending with the AA rewards credit card

11 December 2013
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Using the AA rewards credit card gives you the opportunity to earn points with every pound you spend

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Find the right credit card for you

24 April 2013
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There are various types of credit cards to choose from but which is the right one for you?

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Earn Rewards For Everyday Spending With A Reward Credit Card

19 January 2012
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Reward credits are very popular with UK residents as you can get rewarded just for everyday spending. Reward credit cards carry benefits so that by spending and using the card you collect points with a wide variety of specific reward programs.

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Great Rewards with Reward Credit Cards

18 August 2011
Which Way to Pay

Everyone has a credit card now, so why not get rewarded as you spend. Reward credit cards work just like normal credit cards, often with a low introductory APR and competitive annual charges. With reward cards you can earn points which then go towards your chosen reward. You can earn air miles, hotel vouchers or shopping vouchers.

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