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.Experiences and Offers:
MasterCard® credit cards experiences and offers opens the door to an array of valuable offers, upgrades, experiences and preferred access to suit your lifestyle. Escape from the daily routine and relax at a spa, go on a thrill-seeking adventure, or take in a round of golf with pro instruction.

Exceptional Travel Benefits:
MasterCard® credit cards cardholders enjoy exceptional travel consultant services, as well as valuable benefits, special upgrades, amenities, and truly priceless travel experiences from the Virtuoso international luxury travel network.

Concierge Service:
An expert concierge staff is available to assist World Elite MasterCard® credit cards cardholders with personalized recommendations and reservation assistance for dining, travel, entertainment, and a host of other services, 24 hours a day, every day of the year.
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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.

Featured MasterCard® Credit Cards

MasterCard® Credit Cards

Review and compare MasterCard
Company
Logo
Name Purchase
Rate
Balance Transfer Rate Representative APR / Annual Interest Rate Maximum Credit Limit Fee/Fee Type Card Info Card Benefits Apply
Virgin Virgin Card Virgin Credit Card 0% for 3 months on card purchases* (from the date your account is opened) 0% on balance transfers for 20 months* Rate applies to transfers made in the first 60 days. Handling fee of 2.99% applies. Representative example 16.8% p.a. (variable) on card purchases. Equivalent to 16.8% APR representative (variable) based on a credit limit of £1200 Minimum credit limit: £0, Maximum credit limit: Subject to status No annual fee 0% on balance transfers for 20 months*. Remember though, you will need to do this within the first 60 days to receive the introductory balance transfer rate (2.99% handling fee applies).

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Capital One Capital One World Card Capital One World Credit Card 19.94% p.a. (variable) 19.94% p.a. (variable) Representative example: 19.94% p.a. (variable) on card purchases, equivalent to 19.9% APR representative (variable) based on a credit limit of £1200< Minimum credit £4,000 - Maximum credit £7,500 £30 Annual Fee Be rewarded for everything you buy, Unlimited Cashback - Earn 1% on EVERYTHING you buy. £10 bonus credit every January to say thanks for choosing Capital One

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Halifax All In One Card Halifax All In One Halifax Balance Transfer Credit Card 0% for the first 3 months on all purchases 0% for the first 22 months on balance transfers up to £3,000* (3.5% fee applies) Representative example: 17.95% p.a. (variable) on card purchases, equivalent to 17.9% APR representative (variable) based on a credit limit of £1200 Subject to status No Annual Fee Halifax MasterCard offers including fantastic deals and discounts on travel, entertainment and shopping. A long introductory interest free period to help you manage your existing credit

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Tesco Clubcard MasterCard Tesco Clubcard MasterCard World Card 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)).

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Lloyds TSB Airmiles Duo MasterCard Lloyds TSB Duo MasterCard 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.

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Halifax All In One Card Halifax All In One Card Halifax All In One Card 0% for the first 15 months on purchases with your Halifax All In One Credit Card - helping you spread the cost of your purchases •0% for the first 15 months on balance transfers (3% fee) Representative Example: 17.9% APR representative (variable). Based on a credit limit of £1,200* and a purchase rate of 17.95% p.a. (variable) Credit subject to status No Annual Fee If you want a card that gives you a great introductory offer on both balance transfers and purchases then look no further. The All in One Credit Card offers a fantastic 0% for 15 months on purchases and on balance transfers.

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aqua card Barclaycard Platinum aqua Credit Card 35.9% p.a. (variable) 35.9% p.a. (variable) Representative example 35.9% p.a. (variable) on card purchases. Equivalent to 35.9% APR representative (variable) based on a credit limit of £1200 A credit limit of up to £2,200 No Annual Fee As a specialist lender, whatever your financial situation, at aqua we take a closer look to see if we can give you the credit you need and can afford.

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Santander Santander 123 Cashback Credit Card 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

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egg egg Sainsbury's Credit Card 0% for the first 12 months 0% for the first 12 months on balance transfers (3% BT fee applies) Representative Example: 16.94% p.a. (variable) on card purchases, equivalent to 16.9% APR representative (variable) based on a credit limit of £1200 Credit limits subject to status No Annual Fee With a Sainsbury's Credit Card, Sainsbury's shoppers with a Nectar card* can enjoy 0% for 12 months on all shopping and balance transfers^ (3% BT fee applies).

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MasterCard® Explained

Our corporate vision and mission work together to describe our purpose and reinforce our position as a driving force in worldwide commerce. MasterCard fosters unique relationships among financial institutions, merchants and consumers that are built on integrity and understanding. Our corporate vision and mission work together to describe our purpose and reinforce our position as a driving force in worldwide commerce.

The MasterCard Credit Cards Vision - To advance commerce globally.

The MasterCard Mission - MasterCard Worldwide is at the heart of commerce. Our understanding of how and why commerce is conducted allows us to create more advanced methods of payment that fuel economic connections and drive real business value.

From the earliest days of credit cards to the Contactless and wireless payment options of today, MasterCard Worldwide has led the industry in driving this evolution.

The last four decades have seen a remarkable transformation in how people and businesses the world over pay for the goods and services they need. The rise of the electronic payments industry has helped economic growth transcend borders, bringing benefits to every corner of the world.

From the earliest days of credit cards to the Contactless and wireless payment options of today, MasterCard Worldwide has led the industry in driving this evolution. MasterCard, at the heart of commerce, brings insight and innovation into the payments process to make commerce easier, faster, more seamless, more meaningful and more secure.

The MasterCard story begins in 1966 when a group of banks created a member-owned association that later became MasterCard. In 1968 the company extended its presence to Mexico, Japan and Europe, marking the start of its commitment to becoming the leading global payments network.

Through the 1980s, MasterCard continued to build on this promise, bringing the advantages of electronic payments to new regions and markets around the globe. MasterCard became the first payment card issued in the People's Republic of China, and the company also launched Maestro®, the world's first truly global online debit program, in partnership with Europay International.

The next decade saw electronic payments become even more closely integrated into peoples' lives, a behavioral shift MasterCard capitalized on by developing new technologies that improved convenience, speed and efficiency. MasterCard also launched the "Priceless" ad campaign, elevating its consumer brand and differentiating the company's connection to consumers.

Uncovering new ways to provide value to its customers, MasterCard launched MasterCard Advisors in 2001, bringing innovative consulting services to customers and others within the industry. That same year, MasterCard completed a major upgrade of its state-of-the-art network, enhancing its ability to process transactions safely, securely and instantly the world over.

MasterCard also implemented structural changes that reflected a new outlook for the company. MasterCard integrated with Europay International in 2002, establishing a unified global corporate structure and also becoming a private share corporation.

By 2005, MasterCard had committed itself to a new, customer-focused strategy that aligned its advisory and processing capabilities with its long-standing role as a franchisor. This three-tiered business model crystallized the company's positioning as a franchisor, processor and advisor, laid the groundwork for its transition to a more transparent governance model and initial public offering in 2006.

Today and beyond, MasterCard Worldwide continues to provide a unique combination of expertise, industry-leading insight, and globally integrated resources that the company leverages to deliver value to constituents. MasterCard is committed to innovating and growing the range of products and services the company brings to market through our strong partnerships with our customers.
You experience your life's passions in many ways, finding solace and peace in a day at the spa, sharing an exceptional meal with that special someone, celebrating a once-in-a-lifetime vacation with your family. Whatever your passion, let MasterCard® Credit Cards be your companion. The MasterCard® Credit Cards benefits include:

 
Virgin Card Details
  • 0% p.a. on balance transfers for 20 months (2.99% admin fee applies)
  • 0% on card purchases for 3 months
  • Typical rate 16.8% 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
Capital One World Card Details:
  • Unlimited Cashback - Earn 1% on EVERYTHING you buy
  • £10 bonus credit every January to say thanks for choosing Capital One
  • £30 Annual Fee.
Capital One World Card Approval Criteria:
  • You have perfect credit history
  • You've had credit cards in the past
  • You're aged 21 or over
  • You're a home owner
  • You have an income of more than £20,000 p.a.
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
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
Halifax MasterCard Details
  • 0% for 13 months on balance transfers
  • 0% for the first 13 months on purchases
  • A Representative 17.9% APR (variable)
  • A handling fee of 3% applies for each balance transfer
Halifax MasterCard 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
aqua Credit Card Details:
  • A MasterCard with no annual fee
  • A credit limit of up to £2,200
  • No interest will be charged on purchases if every statement balance is paid in full by the payment date
  • Manageable monthly payments
  • Flexible payment dates
  • A friendly 24-hour customer helpline
aqua Credit Card Approval Criteria:
  • Your income must below 6k a month
  • You must have had in the past a loan or a credit card or a mortgage or a vehicle loan
  • The aqua card is not for anyone with more than 20k in debts (not including mortgages)
  • and not for people over 100% utilised
Sainsbury Credit Card Details:
  • 0% for the first 12 months on purchases
  • 0% for the first 12 months on balance transfers (+3% fee)
  • Representative 15.9% APR variable.
  • With a Sainsbury's Credit Card, Sainsbury's shoppers with a Nectar card* can enjoy 0% for 12 months on all shopping and balance transfers^ (3% BT fee applies).
Sainsbury Credit Card Approval Criteria:
  • have a permanent UK address
  • be over 18
  • not have been declined for credit in the last month
  • not have a history of bad credit
  • not be an existing Sainsbury's Bank Credit Card holder
Halifax Balance Transfer MasterCard Details
  • 0% for the first 22 months on balance transfers up to £3,000* (3.5% fee applies)
  • 0% for the first 3 months on purchases
  • A Representative 17.5% APR (variable)
  • A handling fee of 3.5% applies for each balance transfer
Halifax Balance Transfer MasterCard 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
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)
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