 |
Card
Categories |
|
|
|
Banks or
Issuer |
|
|
|
Credit Information |
|
|
|
Credit Archives |
|
|
|
Loans |
|
|
|
 |
|
|
|
|
 |
Choosing a Credit Card |
 |
Balance Transfer Credit Cards |
Balance transfer credit cards allow you to consolidate credit card debt onto one card, allowing you to shed yourself of high interest rates. And therefore saving you money. But initiating a balance transfer from a high interest rate credit card to a credit card with a lower interest rate is not void of pitfalls. You need to understand how a balance transfer works. And more importantly you need to understand the fees associated with the transfer. Many times there is fine print attached to the transfer that includes hidden charges. Some credit cards may charge a transfer fee that can be a percentage of the balance transferred. Be sure that there is a cap on the amount, or else a balance transfer in the thousands may end up costing you hundreds of pounds. Also, be sure the bank doesn't charge a high annual fee, or joining fee. For additional details on the balance transfer credit cards, please visit Balance Transfer Credit Cards |
 |
Low Interest Rate Credit Cards |
Low Interest Rate credit cards offer introductory rates of up to 0% APR for anywhere between 3 to 12 months for when the credit card account is opened. This rate can, depending on the credit card company can apply to new purchases, cash advances, and balance transfers from other credit card account.Additional details can be found at Low Rate, Low APR Credit Cards |
 |
Rewards Credit Cards |
Rewards credit cards are the fastest growing segment of the credit card industry. Since everyone uses credit cards, it’s only natural to want the benefits of a rewards program from your everyday purchases. Rewards programs come in a variety of flavors; cash back rewards, shopping rewards, travel rewards, entertainment rewards are just a few of the rewards program available. If you use these cards in the way they are intended, they can prove to be very beneficial to your credit card purchasing. Find out more about the Rewards Credit Cards we offer. |
 |
Travel Rewards Credit Cards |
Credit cards that offer travel rewards programs are reasonably flexible and might provide airline miles, points that are redeemed for hotel accommodation, or both. You earn reward points or airline miles whenever the credit card is used for everyday purchases. Credit cards used for travel related spending such as purchasing airline tickets or hotel reservations, a greater number of reward points are usually awarded. Reward points can be redeemed for airline tickets, hotel accommodations, car rental, or special priority treatment or upgrades while traveling. To find out more about Travel Rewards Credit Cards |
 |
Credit Cards to Improve Credit |
Worrying about your credit problems is not going to solve them. We promote credit cards for individuals with bad credit or simply put, less than perfect credit. Simply qualifying for a credit card will not help you build, re-build or re-establish your credit. The key to improving your credit rating and subsequent credit history is making on-time payments with all of your creditors and maintaining your account balances well below the credit limits. This is the key to changing your financial future, and fixing your credit history. To find out more, visit our Bad Credit Cards Cards section |
Choosing a credit card that fits your needs is what we are all about. We provide the tools and information necessary to make an informed decision on not only the credit card that best fits your desires, but also the credit card that fits your credit history.
The first step in choosing a credit card is to figure out what credit card you want. Credit Card within the UK are divided into five main categories.
Visa
Visa Credit Cards helps millions of cardholders across the world better manage their finances by enabling them to pay ahead with a prepaid card, to pay now with a debit card or to pay later with a credit card. Discover the many innovative Visa credit cards available in the UK, explore all the benefits of Visa, and see why more cardholders choose Visa. Review and compare all the Visa Credit Cards.
MasterCard®
In times like these, MasterCard® credit cards is pleased to give you easy ways to make necessities affordable without having to forgo the little pleasures. Checkout the latest MasterCard® credit card deals in the UK, browse the latest MasterCard® Discounts and benefits.
Review and compare all the MasterCard Credit Cards
American Express
American Express offers many outstanding credit cards for the UK marketplace. American Express credit cards have an extensive range of premium lifestyle rewards. You can feel confident about safety when you use your American Express card. Our multiple layers of security prevent, detect, and resolve unauthorized use of your card information. And if fraud should occur, you are never held liable for unauthorized charges. Review and compare all the American Express Credit Cards
** The UK Credit Card Centre has been designated as a Credit Intermediary under the Consumer Credit Directive(CCD) of 2011. The UK Credit Card Centre receives commissions from credit card referrals/applications and credit card sales.
|
Featured Credit Cards |
UkCreditCardCentre.co.uk
Representative Example
Company |
Logo |
Name |
Purchase
Rate |
Balance Transfer Rate |
Representative APR / Annual Interest Rate |
Maximum Credit Limit |
Fee/Fee Type |
Card Info |
Card Benefits |
Apply |
 |
 |
Capital One Classic Credit Card |
34.9% p.a. (variable) |
34.9% p.a. (variable) |
Representative example 34.9% p.a. (variable) on card purchases. Equivalent to 34.9% APR representative (variable) based on a credit limit of £1200 |
From £200 to £1,500 |
No Annual Fee |
 |
Get control over your finances with our low-limit, easy-to-manage credit card. Great for people who want to build or rebuild their credit rating.
Get More Details |
 |
 |
 |
Barclaycard Platinum Extended Balance Transfer Credit Card |
0% interest on purchases for 3 months from account opening |
0% interest on balance transfers for 22 months from account opening (3.2% handling fee). Refund offer which reduces handling fee to equivalent of 2.9%. |
Representative example 17.5% p.a. (variable) on card purchases. Equivalent to 17.5% APR representative (variable) based on a credit limit of £1200 |
Minimum credit limit : £250
Maximum credit limit: Subject to status |
No Annual Fee |
|
Not only UK's longest balance transfer offer, this card comes with Barclaycard Freedom - you automatically earn Reward Money and can redeem it on a future purchase at selected retailers within the programme.
Get More Details |
|
|
|
Barclaycard Simplicity Credit Card |
7.9% p.a. |
7.9% interest on all balance transfers (no handling fee applies) and on all purchases |
Representative example 7.9% p.a. (variable) on card purchases. Equivalent to 7.9% APR representative (variable) based on a credit limit of £1200 |
Minimum credit limit: £250, Maximum credit limit: Subject to status |
No annual fee |
|
Enjoy a low rate of 7.9% on all purchases and on all balance transfers (no handling fee applies). Apply now to start enjoying all the benefits of the Barclaycard Platinum Simplicity credit card
Get More Details |
|
 |
 |
Vanquis Credit Card |
39.9% p.a. |
39.9% p.a. |
Purchase annual interest rate 39.94% (variable); Amount of credit £1000; Representative 39.9% APR (variable). |
Easy to manage credit limit between £150 and £3,000 |
No Annual Fee |
|
We've already helped over 1 million people like you get the credit they deserve.
Get More Details |
|
 |
 |
Tesco Clubcard MasterCard |
0% interest on all purchases for 15 months |
0% interest on balance transfers for 9 months from account opening (2.9% fee) |
Representative Example: 16.9% APR representative (variable). Based on a credit limit of £1,200* and a purchase rate of 16.9% p.a. (variable) (*Your credit limit may vary depending upon your circumstances) |
Minimum credit £250 - Maximum credit subject to status |
No Annual Fee |
|
Collect 1 Clubcard point for every £4 you spend on the Clubcard Credit Card (Must have available credit. 1 point awarded per £4 spent in each purchase transaction (£4 min)).
Get More Details |
|
 |
 |
Lloyds TBS Duo Avios MasterCard |
Representative 15.94% APR variable |
0% interest for six months on balances transferred in the first 90 days† (3% fee) |
Representative Example: 15.9 APR representative (variable). Based on a credit limit of £1,200* and a purchase rate of 15.9% p.a. (variable) |
Credit limits will vary based on your individual circumstances |
No annual fee |
|
The daily newspaper, cinema tickets, a bottle of red – whatever you put on your Duo Avios Cards, you'll pick up Avios too, If you spent £100 on your Duo Avios MasterCard you'd collect 20 Avios.
Get More Details |
|
 |
 |
Santander 123 Cash Back Credit Card |
0% on card purchases for 1 month from the date your account is opened |
0% on balance transfers for 1 month from the date your account is opened (handling fee - up to 5%) |
Representative example 18.9% p.a. (variable) on card purchases. Equivalent to 22.8% APR representative (variable) based on a credit limit of £1200 |
Credit Limit Variable |
£24 Annual Fee |
|
With the Santander 123 Cashback Credit Card, you can earn cashback on your everyday spending
Get More Details |
|
 |
 |
American Express® Preferred Rewards Gold Card |
na |
na |
na |
Minimum credit limit of £700, maximum credit limit subject to status |
£125 |
|
Points, points and more points...Earn a welcome bonus of 20,000 points just by spending £1,000 on your
Card over the first three months of Cardmembership. That's enough for two return rewards flights with British Airways to old favourites such as Paris
or Amsterdam.
Get More Details |
|
At the UK Credit Card Centre our primary purpose is to provide
personal financial solutions. Choosing the credit card that is best for you is rather simple. What's not simple is the effort that is needed. That's where we come in, we provide the tools and information necessary to help you find the credit card that is right for you.
|
UK Finance News |
» Growth quickens, but speed bumps ahead
27/01/12 14:05 from Reuters: Business News
WASHINGTON (Reuters) - The U.S. economy grew at its fastest pace in 1-1/2 years in the fourth quarter, but a rebuilding of stocks by businesses and slower business spending warned of weaker growth in early 2012. Related Stories Analysis - L..
» Sweden repays bankrupt Saab's EIB loan, bidders circle
27/01/12 14:01 from Reuters: Business News
STOCKHOLM (Reuters) - Sweden's Debt Office has paid back loans the European Investment Bank made to Saab, making the Nordic country the bankrupt car company's biggest creditor and simplifying the approvals process for any buyer. Related Sto..
» Fitch cuts Italy, Spain, other euro zone ratings
27/01/12 13:11 from Reuters: Business News
NEW YORK (Reuters) - Fitch downgraded the sovereign credit ratings of Belgium, Cyprus, Italy, Slovenia and Spain on Friday, indicating there was a 1-in-2 chance of further cuts in the next two years. Related Stories Ford hit by commodity co..
» Some G20 countries soften stance on Europe - sources
27/01/12 12:59 from Reuters: Business News
MILAN/MEXICO CITY (Reuters) - Some Group of 20 members are softening their stance towards Europe's handling of the debt crisis and a push for extra rescue funds, G20 sources said on Friday, although hardliners may still scupper an early dea..
» In Facebook IPO, bankers seek prestige over fees
27/01/12 12:33 from Reuters: Business News
(Reuters) - Facebook's initial public offering is likely to set a new standard for how low investment banks are willing to go on advisory fees to win big business. Related Stories Ford hit by commodity costs, international woes Three from U..
» Euro ministers upbeat on Greece, crisis solution
27/01/12 12:29 from Reuters: Business News
DAVOS, Switzerland (Reuters) - Euro zone finance officials voiced optimism on Friday that a deal to avert a disorderly Greek default was imminent and that key building blocks to resolve Europe's sovereign debt crisis are gradually fitting i..
» Exclusive - Greek PM expects debt swap deal in days
27/01/12 12:06 from Reuters: Business News
ATHENS (Reuters) - Greece expects to conclude difficult debt talks with private creditors within days and negotiations with the EU and the IMF on a new bailout deal by the middle of next week, Prime Minister Lucas Papademos told Reuters on ..
» Analysis - Long-term investors go bargain-hunting in Europe
27/01/12 10:43 from Reuters: Business News
DAVOS, Switzerland (Reuters) - Long-term investors with deep pockets are scanning Europe for lucrative investment opportunities even though a lasting solution for the euro zone crisis is not yet in sight. Related Stories No final decision y..
» Three from UK jailed for Swiss bank loan forgery
27/01/12 10:01 from Reuters: Business News
LONDON (Reuters) - A former partner at upmarket London lawfirm Mishcon de Reya was jailed for five years and six months on Friday for trying to trick Swiss bank EFG into granting a 22 million euro (18.45 million pounds) loan, the UK Serious..
» Ford hit by commodity costs, international woes
27/01/12 09:23 from Reuters: Business News
(Reuters) - Ford Motor Co , the No. 2 U.S. automaker, reported a lower-than-expected fourth-quarter profit on Friday as operations outside North America fell short of expectations and commodity costs shot up across all regions. Related Stor..
» RBS chief's £1 million bonus sparks anger
27/01/12 09:11 from Reuters: Business News
LONDON (Reuters) - Politicians from across the spectrum united in condemning the near one million pound bonus awarded to RBS chief Stephen Hester, with Deputy Prime Minister Nick Clegg saying the public sees such sums as "from another plane..
» Commods lead FTSE retreat as US GDP misses forecast
27/01/12 08:58 from Reuters: Business News
LONDON (Reuters) - The FTSE fell on Friday as U.S. growth data missed expectations and came with a warning of speed bumps ahead for the world's biggest economy, heaping pressure on mining and integrated oil stocks. Related Stories EU seeks ..
» Bleak outlook for economy to weigh on copper - poll
27/01/12 08:37 from Reuters: Business News
LONDON (Reuters) - An uncertain outlook for the global economy, coupled with sluggish demand from top consumer China are set to weigh on copper this year, with prices expected to stabilise in 2013, a Reuters poll showed. Related Stories Dea..
» Italy bill sale success boosts mood ahead of Monday
27/01/12 08:30 from Reuters: Business News
MILAN (Reuters) - Italy's six-month funding costs fell sharply on Friday to levels last seen before the country came to the fore of the euro zone debt crisis last summer, helping power a rally in its bonds ahead of Monday's more challenging..
» Davos elite's largesse fails to appease critics
27/01/12 08:11 from Reuters: Business News
DAVOS, Switzerland (Reuters) - Under-fire businessmen are falling over themselves in Davos to show how sharing and caring they really are as they try to repair the tarnished image of the privileged "1 percent" but their detractors remain un..
|
|
|
|
|
|
|
|
|
|
|
|
Barclaycard Platinum Details:
- 0% interest on balance transfers for 22 months from account opening (3.2% handling fee). Refund offer which reduces handling fee to equivalent of 2.9% for everyone
- 0% on card purchases for 3 months.
- Representative APR - 17.9% representative variable
- Annual Interest Rate - 17.9% p.a. variable
- Maximum Credit Limit - £1200
- Fee%/ Amount -
- Type of Fee - Annual
- Go Contactless - Make purchases of £10 and under in an instant wherever you see the wave symbol.
- Maximum 56 days on new purchases if you pay in full and on time each month. No interest free period on balance transfers, cash withdrawals or cheques.
- Minimum credit limit £250, maximum subject to status.
- No Annual Fee.
Barclaycard Platinum Approval Criteria:
- Have a good credit rating
- You have no history of bankruptcy
- You have not had any County Court Judgments (CCJs) or Individual Voluntary Arrangements (IVAs) registered against you in the past 5 years
- You have a history of managing credit commitments well i.e. have existing credit and at least 4 years of experience managing credit cards, loans, overdraft or mortgage
- You have always made payments on time
- Don't already have a Barclaycard
- Have had a permanent UK address for 3 months or more
- Have a regular income of more than £20,000 pa
- Excluding a mortgage, your debt on credit cards or store cards is less than 10% of your income
- Are aged 21 or over
Barclaycard Platinum Benefits:
With Barclaycard Freedom - you automatically earn Reward Money and can redeem it on a future purchase at selected retailers within the programme.
Think about Platinum credit card if you have a good credit rating
Capital One Classic Card Details:
- Get back on track by improving your credit rating.
- Up to £2,500 in spending power
- Typical 34.9% APR variable
- Credit limit increase - Manage your account well † and we'll increase your credit limit on your 4th statement.
- Free Identity Theft Service
- Register Online for Free Identity Alerts powered by Equifax
- No annual fee.
Capital One Classic Card Approval Criteria:
- I have had little credit in the past, for example: I have an overdraft but no credit cards
- I have had credit problems in the past, OR
- I have no credit history, for example:
- I have never used credit in the past
- I am a student
- I am new to the country
- Any Income Considered
- At least 18 years of age
Vanquis Visa Card Details:
- No annual fee
- A credit limit assigned at a fixed amount to help you stay in control
- Up to 56 days interest free on purchases
- Free additional cardholder
- Free fraud monitoring - we'll warn you of any suspicious activity on your account
- Chip & PIN technology for added security whenever you use your card
- typical 39.9% APR variable based on a typical credit limit of £250
Vanquis Visa Card Approval Criteria:
- You must have not applied within the past 6 months
- You are 18 years of age or over
- You are a permanently resident in the UK
- You do have a landline phone number
- You are registered on the voters roll
- You do not have an outstanding County Court Judgment against their name or one that has cleared within the past year.
Lloyds TSB Card Details
- Two Credit Cards – just one account, statement and monthly payment
- 500 mile voucher**
- Miles when* you use your cards
- Double miles when you use your cards abroad
- Free flights, UK days out, hotels and travel extras when you’re collecting and spending Airmiles
- Exclusive hotel, holiday and cruise offers
Lloyds TSB Card Approval Criteria:
- You are at least 25 Years of Age
- You have a Good Credit History
- You are in full time employment
- You are a permanent resident/citizen of the UK
- You have a Bank or Building society account
Tesco Clubcard Credit Card Details:
- 0% interest for 9 months on balance transfers from account opening (2.9% fee).
- 0% interest for 15 months on all purchases from account opening.
- 16.9% APR typical rate (variable).
- Earn points on everything you buy at Tesco or elsewhere with your Clubcard Credit Card!
- No annual fee.
Tesco Clubcard Credit Card Approval Criteria:
- You are currently employed
- You are over 23 years of age
- You are a homeowner
- You have an income of over £20,000
- You do not have any recent credit defaults (CCJ's, current arrears or missed payments) on credit cards / loans / mortgages
- You are a resident in the UK and can prove residential addresses for the past two years
American Express® Rewards Credit Card Details:
- 15.9% p.a. interest on purchases.
- A promotional low rate on balance transfers and money transfers - 5.9% for the life of the balance.
- 15.9% APR typical rate (variable).
- 5% cash back for your first 3 months (maximum of £100) and up to 1.5% after that
- Purchase protection alleviates the worry of "what if" on your purchases in case of loss, theft or accidental damage
- No annual fee.
American Express® Rewards Credit Card Approval Criteria:
- I am aged 18 or over
- I have a current UK bank or building society account
- I have an Annual Household Income of £30,000 (ie. your personal income plus partner's income)
- I have a permanent UK home address
- I have no County Court Judgements for non-payment of debt
- My company has been trading for more than a year (only if you are self-employed)
Santander 123 Cashback Credit Card Details:
- cashback at petrol stations
- cashback at department stores
- cashback at supermarkets
- Representative example 18.9% p.a. (variable) on card purchases. Equivalent to 22.8% APR representative (variable) based on a credit limit of £1200
Santander 123 Cashback Credit Card Approval Criteria:
- You have credit card balances of less than £7,500
- You're aged 18 or over
- You have had a permanent UK address for at least the last 3 years
- You do not have a history of bad credit (in other words, county court judgments or bankruptcy)
Barclaycard Simplicity Details:
- One low rate that stays that way - 6.8% APR typical (variable).
- Applies to every purchase and/or balance transfer you make.
- Minimum credit limit: £250, Maximum credit limit: Subject to status.
- No annual fee.
- Up to 56 days interest free on new purchases if you pay your statement balance in full and on time each month.
Barclaycard Simplicity Approval Criteria:
- Have a good credit rating
- You have no history of bankruptcy
- You have not had any County Court Judgments (CCJs) or Individual Voluntary Arrangements (IVAs) registered against you in the past 5 years
- You have a history of managing credit commitments well i.e. have existing credit and at least 4 years of experience managing credit cards, loans, overdraft or mortgage
- You have always made payments on time
- Don't already have a Barclaycard
- Have had a permanent UK address for 3 months or more
- Have a regular income of more than £20,000 pa
- Excluding a mortgage, your debt on credit cards or store cards is less than 10% of your income
- Are aged 21 or over
|
