UK Credit card interest rates best buy tables
Whether you are on the lookout for a new card or just want to transfer the balance from an old one, you will find the most competitive rates and benefits here.
Balance Transfer
|
Card
|
Rate
|
Duration
|
Typical APR
|
BT Fee
|
Apply
|
|
Virgin Credit Card
|
0%
|
16 mths
|
16.6%
|
2.98%
|
|
|
Barclaycard Platinum
|
0%
|
15 mths
|
15.9%
|
2.9%
|
|
|
NatWest Platinum
|
0%
|
15 mths
|
16.9%
|
2.9%
|
|
|
Royal Bank of Scotland Platinum
|
0%
|
15 mths
|
16.9%
|
2.9%
|
|
|
Egg Card
|
0%
|
Until 01/05/2011
|
16.9%
|
3.0%
|
|
|
Barclaycard Gold
|
0%
|
Until 01/04/2011
|
19.9%
|
2.5%
|
|
|
MBNA Platinum
|
0%
|
13 mths
|
16.9%
|
2.9%
|
|
|
MBNA Platinum Rewards Card
|
0%
|
13 mths
|
16.9%
|
2.9%
|
|
|
BT Credit Card
|
0%
|
13 mths
|
16.9%
|
3.0%
|
|
|
AA Credit Card
|
0%
|
12 mths
|
16.9%
|
3.0%
|
|
|
Post Office Platinum
|
0%
|
12 mths
|
15.8%
|
2.98%
|
|
|
bmi American Express Credit Card from MBNA
|
0%
|
12 mths
|
15.9%
|
3.0%
|
|
|
Sainsbury's Credit Card
|
0%
|
10 mths
|
15.9%
|
3.0%
|
|
|
Halifax All In One
|
0%
|
9 mths
|
15.9%
|
3.0%
|
|
|
Lloyds TSB Airmiles Duo
|
0%
|
6 mths
|
15.9%
|
3.0%
|
|
|
MBNA Platinum Visa Credit Card
|
5.9%
|
Life of Balance
|
16.9%
|
2.0%
|
|
Purchase
|
Card
|
Rate
|
Duration
|
Typical APR
|
Apply
|
|
Virgin Credit Card Exclusive
|
0%
|
12 mths
|
18.9%
|
|
|
AA Credit Card
|
0%
|
10 mths
|
16.9%
|
|
|
Sainsbury's Credit Card
|
0%
|
10 mths
|
15.9%
|
|
|
Halifax All In One
|
0%
|
9 mths
|
15.9%
|
|
|
Bank of Scotland All In One
|
0%
|
9 mths
|
15.9%
|
|
|
American Express Rewards Credit Card
|
0%
|
6 mths
|
17.9%
|
|
|
Barclaycard Platinum
|
0%
|
3 mths
|
15.9%
|
|
|
Post Office Platinum
|
0%
|
3 mths
|
15.8%
|
|
|
Capital One Plus
|
0%
|
Until 01/09/2010
|
14.9%
|
|
|
MBNA Platinum
|
0%
|
3 mths
|
16.9%
|
|
|
MBNA Platinum Rewards Card
|
0%
|
3 mths
|
16.9%
|
|
|
BT Credit Card
|
0%
|
3 mths
|
16.9%
|
|
|
NatWest Platinum
|
0%
|
3 mths
|
16.9%
|
|
|
Royal Bank of Scotland Platinum
|
0%
|
3 mths
|
16.9%
|
|
|
Egg Card
|
0%
|
Until 01/06/2010
|
16.9%
|
|
|
MBNA 6.7% Low Rate
|
6.7%
|
|
6.7%
|
|
Balance Transfer & Purchases
|
Card
|
BT Duration
|
Intro Duration
|
Typical APR
|
Apply
|
|
Virgin Credit Card Exclusive
|
12 mths
|
12 mths
|
18.9%
|
|
|
AA Credit Card
|
12 mths
|
10 mths
|
16.9%
|
|
|
Sainsbury's Credit Card
|
10 mths
|
10 mths
|
15.9%
|
|
|
Halifax All In One
|
9 mths
|
9 mths
|
15.9%
|
|
|
Bank of Scotland All In One
|
9 mths
|
9 mths
|
15.9%
|
|
|
NatWest Platinum
|
15 mths
|
3 mths
|
16.9%
|
|
|
Royal Bank of Scotland Platinum
|
15 mths
|
3 mths
|
16.9%
|
|
|
MBNA Platinum
|
13 mths
|
3 mths
|
16.9%
|
|
|
MBNA Platinum Rewards Card
|
13 mths
|
3 mths
|
16.9%
|
|
|
BT Credit Card
|
13 mths
|
3 mths
|
16.9%
|
|
|
Egg Card
|
Until 01/05/2011
|
Until 01/06/2010
|
16.9%
|
|
|
Barclaycard Platinum
|
15 mths
|
3 mths
|
15.9%
|
|
Low Standard Rate
|
Card
|
Typical APR
|
Interest Free Period
|
Apply
|
|
MBNA 6.7% Low Rate
|
6.7%
|
50
|
|
|
Barclaycard Platinum Simplicity
|
7.8%
|
56
|
|
|
Halifax Easy Rate
|
8.9%
|
59
|
|
|
Barclaycard Goldfish
|
9.9%
|
56
|
|
Low Credit Score
|
Card
|
Typical APR
|
Interest Free Period
|
Apply
|
|
Capital One Classic
|
34.9%
|
56
|
|
|
Capital One Progress
|
34.9%
|
56
|
|
|
The Vanquis Visa Card
|
39.9%
|
56
|
|
Cashback
|
Card
|
Cashback Notes
|
Apply
|
|
American Express Platinum Cashback
|
5% cashback for 3 months on virtually every full pound spent per transaction
|
|
|
MBNA Platinum Rewards Card
|
You can exchange your reward points for cashback paid straight to your credit card account. £1.00 spends equals 1 point, then;<br/><br/>5,000 reward points = £20 cashback;<br/><br/>7,500 reward points = £30 cashback;<br/><br/>12,500 reward points = £50 cashback;<br/><br/>25,000 reward points = £100 cashback.<br/><br/>See provider for full details.
|
|
Rewards
|
Cards
|
Reward Notes
|
Typical APR
|
Apply
|
|
Lloyds TSB Airmiles Duo
|
Get up to 1 Airmile for every £10 spent
|
15.9%
|
|
|
bmi American Express Credit Card from MBNA
|
Receive 1.5 destination miles for every £1 spent
|
15.9%
|
|
|
MBNA Platinum Rewards Card
|
You can exchange your reward points for cashback paid straight to your credit card account. £1.00 spends equals 1 point, then;<br/><br/>5,000 reward points = £20 cashback;<br/><br/>7,500 reward points = £30 cashback;<br/><br/>12,500 reward points = £50 cashback;<br/><br/>25,000 reward points = £100 cashback.<br/><br/>See provider for full details.
|
16.9%
|
|
|
BT Credit Card
|
Unlimited money off your BT bill, T&C's apply
|
16.9%
|
|
|
RBS Black
|
Receive access to select opportunities
|
13.2%
|
|
|
Sainsbury's Credit Card
|
Earn up to 4 nectar points for every £1 spent
|
15.9%
|
|
|
Virgin Atlantic White Card
|
1 mile for every full £1 spent
|
17.9%
|
|
|
NatWest Black
|
1.25 YourPoints for every £1 of qualifying spend
|
13.2%
|
|
|
Egg Card
|
|
16.9%
|
|
|
AA Credit Card
|
|
16.9%
|
|
Everyday Money
|
Card
|
Typical APR
|
Apply
|
|
O2 Load & Go
|
|
|
|
BREAD
|
|
|
|
Escape Prepaid MasterCard
|
|
|
|
cashplus Gold Flexiplus
|
|
|
|
Tuxedo Pay As You Go
|
|
|
|
Freedom Eagle Cash Card - Pay As You Go
|
|
|
|
cashplus Gold Premier
|
|
|
|
Virgin PrePaid - Monthly
|
|
|
|
cashplus Gold Activeplus
|
|
|
|
Tuxedo Pay Monthly
|
|
|
|
ClearCash Prepaid MasterCard
|
|
|
Currency Euro
|
Card
|
Typical APR
|
Apply
|
|
FairFX Euro Currency Card Special
|
|
|
|
Caxton Euro Card
|
|
|
|
my Travel Cash - Euro
|
|
|
|
ICE Travellers Cashcard Euro
|
|
|
Currency US Dollar
|
Card
|
Typical APR
|
Apply
|
|
FairFX Dollar Currency Card Special
|
|
|
|
Caxton Dollar Card
|
|
|
|
my Travel Cash - US Dollar
|
|
|
|
ICE Travellers Cashcard US Dollar
|
|
|
Currency Sterling
|
Card
|
Typical APR
|
Apply
|
|
Caxton Global Traveller Card
|
|
|
|
FairFX Anywhere Card
|
|
|