Credit Card Deals
Written by zhaotingting January 17, 2008 09:33
Top Credit Card Deals:
Virgin Credit Card
0% interest on balance transfers for 15 MONTHS! Move your money to a Virgin credit card and you can ensure you don't pay any interest for 15 months - and 0% interest on purchases for 3 months!, and after that one of the best interest rates available - 15.9% variable.
There's more! No annual fee, a very user friendly online account, as well as fantastic credit card member benefits. These include 10% off Virgin Megastores online, 20% off Virgin mobiles, money off Virgin Wines and much more. All in all, one of the best credit card providers on the market, providing one of the best credit card deals - Get a Virgin Credit Card.
RBS
Credit Card
RBS have a range of credit cards to choose from. A classic card with 13 months interest free on balance transfers, and 3 months interest free on purchases, and only a 2% fee for transfers. Unfortunately you have to be earning over £10,000 per year to be eligible for this credit card. They also have some great benefits - including 20% off all online purchases from Buyagift and 15% off all purchases from Kitbag.
If you're a student the Student Mastercard is ideal - 18.9% interest, a limit of £500 and no conditions saying you have to be earning money to be eligible for this credit card! Tailored as a student credit card!
The RBS student credit card has some great perks - 25% discount when you spend £10 or more on a Lonely Planet, £5 voucher to spend at firebox.com, 20% discount on clothing and footwear in select stores at O'Neills, 30 free prints and 10% off photogifts from Snapfish and 15% off all purchases from Kitbag. This makes this credit card even more appealing!
Capital One Credit Card
0% interest on balance transfers with the Platinum Capital One Card until 1st May 2008! This is a fantastic offer, and this time interest free makes this one of the cheapest credit card deal available! The classic Capital One credit card is also very popular, it's fairly easy to get and with spending power of between £200 and £2500, you can get quick access to money. An interest rate of 34.9% APR means you should pay off your outstanding balance as quick as possible as it is not a cheap credit card, but the guarantee of a decision within 1 minute is a great reason for getting this card.
Other Credit Card Providers:
HSBC Bank Credit Card
- 12 months free balance transfer (no interest to pay on money transferred from another credit card), only a 2% fee for moving your money, 3 months interest free on purchases, and a typical interest rate of just 15.9%
- HSBC have put together a great credit card here, competitive in every area with a good balance transfer free interest period, cheap to move your debt over, and a good interest rate as well.
- Another nice feature about the HSBC credit card is the security, with zero online fraud liability, advanced fraud detection systems and global assistance, you know your money is safe, and HSBC is there to ensure they help you if anything happens to your credit card.
Vanquis Credit Card
This is for all those people who have been refused credit cards by other providers due to a non-existent credit history (no credit cards etc in the past) or past credit problems.
A typical variable APR of 39.9% makes it quite an expensive credit card - but the ease of getting the card overrules this. They also provide manageable credit limits to stop you getting out of your depth and allowing you to stay in control.
If you've been rejected from other credit card providers, try the Vanquis credit card!
Barclaycard Credit Card
12 months! (yes, a whole year!) interest free on balance transfers. Unbeatable by any other credit card provider. A 2.5% fee applies.
- 0% interest on purchases for 3 months.. allowing you to use your card for purchases as well.
- A typical APR of 17.9%. With the promotional offers detailed above this is an excellent credit card, and especially if you want or need to move your money around!
- Standard Barclaycard features include Identity Protection Service, Purchase delivery protection, Emergency Cash Advance (a very useful benefit!), Travel service, and free Travel Insurance (see Summary box at Barclaycard Summary). One of the most reputable and respectable brands and banks in the UK.
Egg
Credit Card
- Egg is also offering 0% interest on balance transfers for up to 15 months, along with 0% interest on purchases for 3 months. This credit card provider is also offering one of the best credit card deals by offering a 0% anniversary offer for balance transfers made during a specified period. This zero interest anniversary is valid for 5 months. This means that there will be no need to shop around next year or the year after for another credit card for your next balance transfer! They also have great offers with their selected online retailers (such as with Dixons.co.uk who will give you 10% cashback on sales) and a typical APR of 16.9% - variable. For each credit card balance transfer there is a 2.5% handling fee (maximum £50).
Post Office
Credit Card
This Credit Card from the Post Office is totally unique - it's effectively a 2 in 1, where you get the best out of both worlds. It offers a great standard rate for your normal everyday buying but also the option to buy a couple of expensive things at a massively reduced interest rate - 6.8%!
On the one hand this is great value credit card...
- 0% p.a. on purchases for first three months
- Free purchase protection**
- Optional payment protection**
- A choice of 3 cards to cater for absolutely everybody
- No annual fee
- A very competitive standard interest rate of 15.9% APR typical (variable)
On the other hand it's also like a personal loan...
- If it suits you, then you can use the payment plan feature to effectively turn it into a low interest loan - at only 6.8%.
The Post OfficeTM MasterCard® is provided by Bank of Ireland.**Provided by AXA Insurance UK plc
Subject to status. Applicants must be 18 years or over and a UK resident.
Click here now to apply for the 2in1 credit card.
Natwest
Credit Card
Natwest have a range of credit card offers to suit anybody and everybody! From 13 months interest free on balance transfers AND 3 months on purchases, as good a credit card deal as you're going to get, to a dedicated student credit card, Natwest has it all. In line with other best credit cards there is no fee. As a deal goes this is a great credit card offer and one of the best cheap balance transfers.
Although a 2.5% fee applies to balance transfers the typical APR for the balance transfer card is just 13.9% - and for the others ranges from 14.9 to 16.9% variable, depending on which credit card you apply for.
NatWest Credit Cards are offering their customers the opportunity to win £2,500 in a special prize draw. As well as the £2,500 first prize there are also 17 other fantastic cash prizes to be won - how great is that!
Credit Expert
It's free to check your credit report online! Experian is currently offering a free 30 day trial and FREE CREDIT REPORT. Having a knowledge of your credit history before you make a credit card application is generally a good idea - it gives you an indication of your chances of being accepted, and could stop you from wasting your time going through multiple online credit card applications! Credit Expert are offering a huge range of extra features - including unlimited online access to your credit report, free advice from credit reference specialists over the phone, credit tips and email and text alerts.
Best of the Rest!
Halifax
Halifax have come up with a dedicated student credit card with a few nifty features - with a credit level of anything between £100 and £500 it's aimed to not get you into any financial trouble.. and with an interest rate of 17.9% it's really competitive with other main players. What they do offer is free text messages with your balance and reminder on when to pay your bill.. and tons of discounts on famous brands. Not bad!
Mint
Mint is offering 0 interest on balance transfers for nine months! You can extend this fantastic offer for another 8 or so months after the initial interest free period if you carry out a balance transfer in January 2007. This free balance transfer offer along with 0% interest on purchases makes this one of the cheapest credit cards on the market today. With a typical APR of 14.9% and up to 59 days interest free on purchases Mint have offered a product that is hard to refuse! You can also transfer cash directly to your bank account with their Money Transfer service - useful stuff!
Halifax
This credit card provider requires you to be over 18, have a permanent UK address, have a regular income and a good credit history - and if you meet this criteria you could be eligible for a credit card with a typical APR of just 5.9%! There are no introductory balance transfer offers or other interest free periods - the offer is simple and yet brilliant. For this credit card they also offer other standard features include online banking and no annual fee. An excellent credit card for those not interested in 0% balance transfers and just looking for the best UK credit card deals available.
Amazon
Another great free balance transfer offer from this new credit card provider. Although Amazon is more accustomed with other online business, their new credit card is incredibly competitive, both for balance transfer deals and interest free purchases. With 9 months interest free on balance transfers and 6 months interest free on purchases, Amazon are pitching in at the top of the credit card market. An APR of 15.9% - variable and great perks, including Amazon loyalty points worth £15, and points for money spent, make this a credit card deal worth getting! Remember though, there is a 2% balance transfer fee.