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So you're looking for a credit card? Now what? Well you've come to the UK Credit Card Centre looking for information, and information is what we are going to provide. We give you, the consumer an easy to digest, comprehensive table that gives you the answers you need to make an informed choice about the variety of credit cards available in the UK. The information you are looking for in a table that is easy to read. Need Help? Read the article"Choosing a Credit Card"
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Compare all the credit cards in the UK
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Card
Name
Purchase Rate Balance Transfer Rate Typical APR (variable) Annual Fee Cash Back Card Info Details Apply
Virgin Credit Card Virgin MasterCard 0% p.a. for 3 months 0% p.a. for 14 months(2.98% handling fee) 16.6% none na Discounts at Virgin retailers, Virgin Megastores, Virgin Mobile, and Comet vouchers. 

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Barclaycard Platinum Card Barclaycard Platinum Credit Card with Balance Transfer 0% interest on purchases for 3 months from account opening 0% interest on balance transfers for 16 months from account opening (2.9% handling fee applies) 16.9% none na If you're tired of having to find someone new each time the promotional offer on your current card ends, let us make life simpler for you. This card offers one of the lowest rates available on the high street - for life. You'll never have to transfer your balance again.

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Barclaycard Initial Barclaycard Initial 29.9% p.a. 29.9% p.a. 29.9% none na Do you need to strengthen your credit rating? Choose Barclaycard Initial and we'll guide you through the whole process. It's a great card with lots of useful benefits such as fraud protection.

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Barclaycard Simplicity Barclaycard Simplicity 7.8% p.a. 6.8% p.a. 7.8% none na If you're tired of having to find someone new each time the promotional offer on your current card ends, let us make life simpler for you. This card offers one of the lowest rates available on the high street. You'll never have to transfer your balance again.  Get More Details Apply Now
MBNA Platinum Rewards Card MBNA Platinum Rewards Card 0% p.a. on card purchases for 3 Months 0% for 13 Months on balance transfers made in the first 90 days (2.9% handling fee) 16.9% none na Earn points when you shop and redeem them against flights, shopping vouchers, cash and much more.

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MBNA Platinum Plus MBNA Platinum Plus MasterCard 0% p.a. on card purchases for 3 Months 0% for 16 Months on balance transfers made in the first 90 days (2.9% handling fee) 16.8% none na The MBNA Platinum Plus MasterCard. Welcome to MBNA, the home of credit cards. You know who to trust and what you're looking for, so come on in and enjoy the benefits…

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bmi American Express Card bmi American Express® from MBNA 0% on card purchases for 3 months from the date your account is opened 0% on balance transfers for 12 months made now 16.9% none na Apply online for the bmi credit card and if you spend £250 on card purchases within 90 days of your account opening we'll give you 20,000 destinations miles.

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Capital One Classic Visa Card Capital One Classic MasterCard 34.9% na 34.9% none na Apply for the new Capital One Visa Card and help strengthen your credit card history.

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Capital One Progress Card Capital One Progress Credit Card Shrink your rate to as low as 17.9% p.a. variable Shrink your rate to as low as 17.9% p.a. variable Shrink your rate to as low as 17.9% p.a. variable none na The credit card that can shrink your interest rate because being responsible should be rewarding.

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Vanquis Visa Card Vanquis Visa Card Typical 39.9% APR (variable) on Purchases na 39.9% none na At Vanquis, we understand that these things shouldn’t necessarily mean you don’t deserve credit if you want it. The Vanquis Visa card is designed for people like you – why not apply online now and you could be given up to £2,000 credit.

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Egg Visa Card Egg Visa 0% interest until 1 March 2011 on new purchases 0% interest until 1 February 2012 on balances transferred before 1 March 2011 17.9% none Cash back at selected retailers including Shell, Virgin Wines, 800Flowers, and more... Great deals and discounts at selected retailers, No annual fee, Savings on Egg Insurance products, Interest-free grace period, and Convenient balance transfers

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Virgin Atlantic Virgin Atlantic American Express® Card from MBNA 17.9% 0% p.a. for 6 months(2% handling fee) 17.9% none na If you fly a lot, you'll love this card. We’ll give you 3,000 Flying Club miles as soon as you start using your card. And you'll get 1 mile for every full £1 you spend. You can use these miles to get hold of hundreds of rewards including hotel rooms, car hire, and flights.

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American Express Platinum American Express® Platinum Cashback Credit Card 18.9% 0% for 9 months 19.9% none 5% for your first 3 months1 and up to 1.5% after that Apply now to start earning your 5% cashback with the American Express® Platinum Cashback Credit Card. Every time you use your card, it'll reward you with cashback to spend how you please.

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HSBC MasterCard HSBC Bank Credit Card 0% on purchases for 3 months from account opening 0% for 15 months on balances transferred within 30 days of you opening your account. 2.9% balance transfer fee applies 16.9% APR none na The HSBC Bank Credit Card gives you a fast, convenient and reliable way to pay, 24 hours a day, wherever you are in the world. Please note: This product is currently only available to existing HSBC current account customers**.

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Halifax MasterCard Halifax All In One Credit Card 0% for the first 10 months on purchases 0% for the first 10 months on balance transfers made in the first 90 days (3% fee applies) 15.9% APR none na If you want a card that gives you a great introductory offer on both balance transfers and purchases then look no further.

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Sainsbury MasterCard Sainsbury Bank Credit Card 0% for the first 12 months on Sainsbury's shopping, plus 0% for the first 10 months on all other shopping 0% for the first 10 months on balance transfers (+3% fee) 15.9% APR none na Every time you shop at Sainsbury's with your Credit Card we'll give you 2 Nectar points for every £1 you spend in the first 2 years. That's doubling your Nectar points on every Sainsbury's shop when you swipe your Nectar card.

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AA Credit Card AA Credit Card 0% on card purchases of motoring, fuel and AA products until November 2010** 0% on balance transfers until November 2010 (2.99% fee). To benefit your balance needs to be transferred within the first 90 days of your account opening 16.9% APR none na Use your AA Reward Points to purchase from a range of motoring products and services, AA Home or Car Insurance, a new AA atlas, or choose to treat yourself with a day or night out.

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AA Credit Card Lloyds TSB Airmiles Duo Credit Card Account Typical 15.9% APR variable Typical 15.9% APR variable 15.9% APR none na Fancy two free flights to a Zone 1 city like Paris? Get a 1,500 mile voucher by successfully applying for the Lloyds TSB Airmiles Duo Credit Card Account through Airmiles by 31 December 2010 and spend £10* on the Lloyds TSB Airmiles Duo American Express® Card by 28 February 2011

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AA Credit Card Lloyds TSB Platinum Credit Card 0% interest on purchases for 3 months 0% interest on balance transfers for 12 months* (3% fee). Minimum spend of £100 in first three months applies to balance transfers 15.9% APR none na With 0% for 12 months*, our Platinum Credit Card could save you money when you transfer a balance from another lender (3% fee applies). You'll also get 0% for 3 months on purchases – helping you spread the cost of what you buy.

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** 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.
   
 







 
   
Virgin Card Details
  • 0% p.a. on balance transfers for 16 months (2.98% admin fee applies)
  • 0% on card purchases for 3 months
  • Typical rate 16.6% APR (variable)
  • Discounts on Virgin Holidays and other Virgin products
  • No annual fee
  • Manage your account online
  • Minimum Age: 18 years
Virgin 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
Barclaycard Platinum Details:
  • Pay no interest on balance transfers until February 2011 (Handling fee of 2.5% applies).
  • 0% on card purchases for 3 months.
  • Typical rate 12.4% APR (variable).
  • 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 Initial Details:
  • Strengthen your credit with the Barclaycard Initial Card.
  • Credit limit up to £2,000. The minimum credit limit is £250.
  • Go Contactless - Make purchases of £10 and under in an instant wherever you see the wave symbol.
  • Typical rate 27.9% APR(variable).
  • No Annual Fee.
Barclaycard Initial Approval Criteria:
  • Have a credit rating that needs improvement
  • 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 not missed multiple payments on a credit agreement within the last 12 months
  • You have been unsuccessful in attempts to obtain a credit card in the past (12 months) OR
  • You have no credit history, for example;
    • You have never used credit in the past
    • You are new to the country.
  • Don't already have a Barclaycard
  • Have had a permanent UK address for 3 months or more
  • Have a regular income of more than £10,000 pa
  • Are aged 18 or over
Barclaycard Simplicity Details:
  • One low rate that stays that way - 7.8% 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
MBNA Platinum Card Details:
  • 0% p.a. on balance transfers for 13 months(2.9% handling fee). For this great rate your balance needs to be transferred within the first 90 days of opening your account.
  • 0% p.a. on card purchases* for 3 months.
  • 15.9% APR typical rate (variable).
  • No annual fee.
  • Interest free period: Maximum 50 days on purchases only, if you pay your statement balance in full and on time every month.
  • Credit limits to £50,000.
MBNA Platinum 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
MBNA Platinum Rewards Card Details:
  • 0% p.a. for 13 months on Balance Transfers made in the first 90 days (2.9% handling fee applies). For this great rate your balance needs to be transferred within the first 90 days of opening your account.
  • 0% p.a. on card purchases for 3 months.
  • 15.9% APR typical rate (variable).
  • Redeem your points for an endless choice of flights, hotels, package holidays, city breaks and car hire. You can pay part points and part cash!
  • No annual fee.
  • Interest free period: Maximum 50 days on purchases only, if you pay your statement balance in full and on time every month.
  • Credit limits to £50,000.
MBNA Platinum Rewards 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
bmi American Express® Details:
  • 0% p.a. on card purchases for three months from the date your account is opened.
  • 0% p.a. on balance transfers for twelve months from the date your account is opened (3% handling fee).
  • 15.9% APR typical rate (variable).
  • if you spend £500 on card purchases or balance transfers within 90 days of your account opening we'll give you 20,000 destinations miles
  • That's enough for a return flight to Italy, Spain and many other great destinations!
  • Earn 1.5 destinations miles for every £1 spent on everyday card purchases to get you to over 975 worldwide destinations
  • No annual fee.
bmi American Express® 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
  • You have not applied for an MBNA or Virgin Credit Card within the last 6 months
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
Egg Card Details:
  • 0% interest until 1 March 2011 on balance transfers put on the account by 1 April 2010 (plus 3% fee).
  • 0% on purchases until 1 April 2010
  • Typical 16.9% APR variable
  • What if you're unable to work through accident, sickness or unemployment? Your Egg Card monthly repayments will still have to be met, and card repayment protection could help.
  • There's lots you can do to make things a little easier for yourself. Whether it's hiring a car, relaxing in a comfortable airport lounge or even booking a holiday using your Egg credit card.
  • Instant cash back offers with selected retailers including 0800flowers, 7digital.com, lastminute.com, and Virgin Wines to name a few.
  • No annual fee.
Egg Card Approval Criteria:
  • You are aged 18 years or over
  • You are permanently resident in the UK (excluding Channel Islands and Isle of Man)
  • You are able to provide us with residential addresses for the last two years
  • You have regular access to the Internet
  • You can be contacted via a personal e-mail address at home or work
  • You have a UK bank or building society account from which you can pay direct debits. The account must be in your name, or in joint names where you are one of the account holders (excluding business accounts).
  • You do not already have an Egg Card or haven't closed an Egg Card account within the last 12 months. Existing additional cardholders may apply.
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