|
|
|
0% for 6 months reverting to 19.9%
|
£0
|
19.9% p.a. (variable)
|
|
Double points on spend in M&S for first 12 months (2 points per £1). Then earn 1 point for every £1 spent at Marks and Spencer's and 1 point or every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.
|
Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).
|
|
|
|
|
|
0% for 20 months reverting to 19.9%
|
£0
|
19.9% p.a. (variable)
|
|
Earn 1 point for every £1 spent at Marks and Spencer's and 1 point for every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.
|
Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).
|
|
|
|
|
|
22.9%
|
£0
|
22.9% p.a. (variable)
|
|
Earn 5,000 bonus Membership Rewards points when you spend £2,000 in your first 3 months, and 1 point for virtually every £1 spent thereafter.
|
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).
|
|
|
|
|
|
22.9%
|
£0
|
22.9% p.a. (variable)
|
|
5,000 Avios when you spend £1,000 within 3 months of account opening. Earn 1 Avios for virtually every £1 spent. Spend £20K in 12 months and get 2 for 1 travel when redeeming Avios for a BA reward flight. Earn up to 90,000 bonus Avios points per calendar year, 4,000 points per friend/family member that successfully applies for an American Express card (Excl. Basic card) and uses the Referral Programme.
|
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).
|
|
|
|
|
|
22.9%
|
£0
|
22.9% p.a. (variable)
|
|
5% after £1 of yearly spend for introductory period of 3 months. 0.5% on £1 to £5000 of yearly spend. 1% after £5001 of yearly spend. Cashback paid Anniversary into Card Account. 5% intro cashback in the first 3 months (max £100). Must spend £3K annually to earn cashback.
|
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).
|
|
|
|
|
|
22.9%
|
Year 1 - £0, Year 2 onwards - £25 per annum
|
28.2% p.a. (variable)
|
|
20,000 Nectar points when you spend £2K within 3 months of account opening. Earn 2 Nectar points for virtually every £1 spent at Nectar partners and elsewhere.
|
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £25 per annum, your representative rate is 28.2% APR (variable).
|
|
|
|
|
|
22.9%
|
£25 per annum
|
28.2% p.a. (variable)
|
|
5% on £1 to £2500 of yearly spend for introductory period of 3 months. 1% on £1 to £10000 of yearly spend. 1.25% after £10001 of yearly spend. Cashback paid Anniversary into Card Account. 5% intro cashback (max £125).
|
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a. with a fee of £25 per annum, your representative rate is 28.2% APR (variable).
|
|
|
|
|
|
22.9%
|
£75 per annum
|
39.7% p.a. (variable)
|
|
Earn 30,000 points when you spend £1K within 3 months of account opening. Earn 3 points for virtually every £1 spent. Earn 6 points for every £1 of eligible purchases at participating SPG & Marriott Rewards hotels, until 31.12.2019.
|
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a. with a fee of £75 per annum, your representative rate is 39.7% APR (variable).
|
|
|
|
|
|
22.9%
|
Year 1 - £0, Year 2 onwards - £140 per annum
|
57.6% p.a. (variable)
|
|
Earn 1 point for virtually every £1 spent. 2 points per £1 spent directly with airlines or in a foreign currency or 3 points for every £1 spent through American Express Travel. Earn 10,000 bonus points when you spend £3,000 in your first 3 months. Spend £15,000 or more during the year and earn 10,000 bonus points each year the card is renewed. Earn 6,000 points per friend/family member that successfully applies for the card or 12,000 points if they spend £3,000 in their first 3 months. Two complimentary lounge visits per year, available at over 500 airport lounges worldwide.
|
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a. with an annual fee of £140 (£0 in first year), your representative APR is 57.6% APR (variable).
|
|
|
|
|
|
22.9%
|
£195 per annum
|
76% p.a. (variable)
|
|
25,000 Avios when you spend £3K within 3 months of account opening. Earn 3 Avios for virtually every £1 spent directly with BA, and 1.5 Avios for virtually every £1 spent everywhere else. Spend £10K in 12 months to redeem the Avios for a companion ticket on a BA flight. Earn up to 90,000 bonus Avios points per calendar year, 9,000 points per friends/family that uses Referral Programme and successfully apply for an American Express card (Excl. Basic card).
|
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a. with a fee of £195 per annum, your representative rate is 76% APR (variable).
|
|
|
|
|
|
N/A (this product is a charge card).
|
£60 per annum
|
N/A (this product is a charge card).
|
|
1 point earned for virtually every £1 spent. Rewards points can be used as currency to buy flights and package holidays through American Express Travel. Reward points can also be redeemed for a wide range of products, experiences, travel and hotel stays.
|
|
|
|
|
|
|
N/A (this product is a charge card).
|
£575 per annum
|
N/A (this product is a charge card).
|
|
1 point earned for virtually every £1 spent. Additional 30,000 points earned when you spend £4K within first three months of Cardmembership. Earn 1 additional point for virtually every £1 spent at American Express Travel Online. Rewards points can be used as currency to buy flights and package holidays through Platinum Service. Reward points can also be redeemed for a wide range of products, experiences, travel and hotel stays. Cardmember can pay card fee (£575) using Membership Rewards® points at renewal. Earn 12,000 bonus points per friend/family that uses Referral Programme and successfully applies for a card and spends £4K within first 3 months of Cardmembership.
|
|
|
|
|
|
|
9.942%
|
£0
|
9.9% p.a. (variable)
|
|
1 point per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco, must have available credit to earn points. Card can also be used as a Clubcard to collect standard points at 1 point per £1 spent on shopping and 1 point per £2 spent on fuel. Points are converted to Tesco vouchers which can be used towards shopping or exchanged for Partner Rewards.
|
Representative example: When you spend £1,200 at a purchase rate of 9.942% (variable) p.a., your representative rate is 9.9% APR (variable).
|
|
|
|
|
|
0% for 3 months reverting to 17.9%
|
£0
|
17.9% p.a. (variable)
|
|
Earn 1 Maximiles point for every £1 spent. 5000 bonus points when you make your first card purchase.
|
Representative example: When you spend £1,200 at a purchase rate of 17.9% (variable) p.a., your representative rate is 17.9% APR (variable).
|
|
|
|
|
|
18.3%
|
£0
|
18.3% p.a. (variable)
|
|
1p earned for every £2 spent in The Co-operative Food and Department stores (excluding in-store concessions) and 1p earned for every £3.33 spent anywhere else. Cashback will be added to your share of the Group profits and this will be paid to you twice a year.
|
Representative example: When you spend £1,200 at a purchase rate of 18.3% (variable) p.a., your representative rate is 18.3% APR (variable).
|
|
|
|
|
|
0% for 9 months reverting to 18.9%
|
£0
|
18.9% p.a. (variable)
|
|
A selection of rewards from a range of partners. Earn 1 point for every £1 spent within the UK and earn 2 points for every £1 spent outside the UK. Points can be redeemed for shopping vouchers and frequent flyer miles.
|
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).
|
|
|
|
|
|
0% for 9 months reverting to 18.9%
|
£0
|
18.9% p.a. (variable)
|
|
Earn 1 point for every £1 spent in store or online at John Lewis, Waitrose and John Lewis Insurance. Earn 1 Point for every £2 spent elsewhere. Earn double points on selected insurances taken out through John Lewis Financial Services. Vouchers issued once customer reaches 500 points in Feb, Jun or Oct when vouchers are automatically issued to customers. Every 500 points is worth £5. Earn double points at John Lewis and Waitrose for first 90 days if card applied for by 29.2.20.
|
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).
|
|
|
|
|
|
18.9%
|
£0
|
18.9% p.a. (variable)
|
|
0.5% after £5000 of yearly spend. Minimum of 12 transactions per year required. Maximum of £250 cashback paid per year. Cashback paid Anniversary into Card Account. For initial £5K a £25 cashback is paid, plus an additional £1 for every further £200 spent.
|
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).
|
|
|
|
|
|
18.9%
|
£0
|
18.9% p.a. (variable)
|
|
0.5% after £1 of monthly spend. Cashback paid Monthly into Card Account.
|
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).
|
|
|
|
|
|
17.1%
|
£10 per annum
|
19% p.a. (variable)
|
|
Earn 10 points per £1 spent on card; points can be redeemed for selected gifts or card annual fee waiver.
|
Representative example: When you spend £1,200 at a purchase rate of 17.1% (variable) p.a. with a fee of £10 per annum, your representative rate is 19% APR (variable).
|
|
|
|
|
|
0% for 3 months reverting to 19.94%
|
£0
|
19.9% p.a. (variable)
|
|
Earn points towards your next holiday every time you spend. Earn 1 point per £1 when spending on Tui/First Choice. Earn 1 point per £2 for spend elsewhere. For every 100 points you get £1 to redeem
|
Representative example: When you spend £1,200 at a purchase rate of 19.94% (variable) p.a., your representative rate is 19.9% APR (variable).
|
|
|
|
|
|
0% for 24 months reverting to 19.944%
|
£0
|
19.9% p.a. (variable)
|
|
1 point per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco. Must have available credit to earn points. Points are converted to Tesco vouchers or can be exchanged for Partner rewards to receive money off a variety of restaurants, entertainment or Avios points.
|
Representative example: When you spend £1,200 at a purchase rate of 19.944% (variable) p.a., your representative rate is 19.9% APR (variable).
|
|
|
|
|
|
0% for 3 months reverting to 19.944%
|
£0
|
19.9% p.a. (variable)
|
|
1 point per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco. Must have available credit to earn points. Points are converted to Tesco vouchers or can be exchanged for Partner rewards to receive money off a variety of restaurants, entertainment or Avios points.
|
Representative example: When you spend £1,200 at a purchase rate of 19.944% (variable) p.a., your representative rate is 19.9% APR (variable).
|
|
|
|
|
|
0% for 3 months reverting to 19.95%
|
£0
|
19.9% p.a. (variable)
|
|
Earn 750 bonus Nectar points each time £35 or more spent on Sainsbury's shopping, up to ten times in your first 2 months, up to a total of 7,500 points, offer available for new customers. Earn 2 Nectar points per £1 spent on Sainsbury's shopping and fuel. Earn 1 Nectar point for every £5 spent elsewhere.
|
Representative example: When you spend £1,200 at a purchase rate of 19.95% (variable) p.a., your representative rate is 19.9% APR (variable).
|
|
|
|
|
|
0% for 6 months reverting to 19.9%
|
£0
|
19.9% p.a. (variable)
|
|
Earn 1 point for every £1 spent at Marks and Spencer's and 1 point or every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.
|
Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).
|
|
|
|
|
|
0% for 3 months reverting to 19.944%
|
£0
|
19.9% p.a. (variable)
|
|
1 point per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco. Must have available credit to earn points. Points are converted to Tesco vouchers or can be exchanged for Partner rewards to receive money off a variety of restaurants, entertainment or Avios points.
|
Representative example: When you spend £1,200 at a purchase rate of 19.944% (variable) p.a., your representative rate is 19.9% APR (variable).
|
|
|
|
|
|
0% for 15 months reverting to 19.944%
|
£0
|
19.9% p.a. (variable)
|
|
1 point per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco. Must have available credit to earn points. Points are converted to Tesco vouchers or can be exchanged for Partner rewards to receive money off a variety of restaurants, entertainment or Avios points.
|
Representative example: When you spend £1,200 at a purchase rate of 19.944% (variable) p.a., your representative rate is 19.9% APR (variable).
|
|
|
|
|
|
19.9%
|
£0
|
19.9% p.a. (variable)
|
|
Earn Asda vouchers every time you shop - 1% cashback on all Asda spend, 0.2% on all other transactions and 10% on selected insurance products. Once £2.5 is earnt a voucher can be downloaded to spend in Asda stores.
|
Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).
|
|
|
|
|
|
0% for 12 months reverting to 19.944%
|
£0
|
19.9% p.a. (variable)
|
|
1 point per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco. Must have available credit to earn points. Points are converted to Tesco vouchers or can be exchanged for Partner rewards to receive money off a variety of restaurants, entertainment or Avios points.
|
Representative example: When you spend £1,200 at a purchase rate of 19.944% (variable) p.a., your representative rate is 19.9% APR (variable).
|
|
|
|
|
|
19.9%
|
£0
|
19.9% p.a. (variable)
|
|
0.25% after £1 of monthly spend. Cashback paid Monthly into Card Account.
|
Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).
|
|
|
|
|
|
0% for 3 months reverting to 19.944%
|
£0
|
19.9% p.a. (variable)
|
|
1 point per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco. Must have available credit to earn points. Points are converted to Tesco vouchers or can be exchanged for Partner rewards to receive money off a variety of restaurants, entertainment or Avios points.
|
Representative example: When you spend £1,200 at a purchase rate of 19.944% (variable) p.a., your representative rate is 19.9% APR (variable).
|
|
|
|
|
|
12.7%
|
£40 per annum
|
20.1% p.a. (variable)
|
|
Earn 10 points per £1 spent on card; points can be redeemed for selected gifts or card annual fee waiver.
|
Representative example: When you spend £1,200 at a purchase rate of 12.7% (variable) p.a. with a fee of £40 per annum, your representative rate is 20.1% APR (variable).
|
|
|
|
|
|
0% for 3 months reverting to 20.95%
|
£0
|
20.9% p.a. (variable)
|
|
Earn 750 bonus Nectar points each time £35 or more spent on Sainsbury's shopping, up to ten times in your first 2 months, up to a total of 7,500 points, offer available for new customers. Earn 2 Nectar points per £1 spent on Sainsbury's shopping and fuel. Earn 1 Nectar point for every £5 spent elsewhere.
|
Representative example: When you spend £1,200 at a purchase rate of 20.95% (variable) p.a., your representative rate is 20.9% APR (variable).
|
|
|
|
|
|
0% for 22 months reverting to 20.95%
|
£0
|
20.9% p.a. (variable)
|
|
Earn 750 bonus Nectar points each time £35 or more spent on Sainsbury's shopping, up to ten times in your first 2 months, up to a total of 7,500 points, offer available for new customers. Earn 2 Nectar points per £1 spent on Sainsbury's shopping and fuel. Earn 1 Nectar point for every £5 spent elsewhere.
|
Representative example: When you spend £1,200 at a purchase rate of 20.95% (variable) p.a., your representative rate is 20.9% APR (variable).
|
|
|
|
|
|
0% for 3 months reverting to 20.95%
|
£0
|
20.9% p.a. (variable)
|
|
Earn 750 bonus Nectar points each time £35 or more spent on Sainsbury's shopping, up to ten times in your first 2 months, up to a total of 7,500 points, offer available for new customers. Earn 2 Nectar points per £1 spent on Sainsbury's shopping and fuel. Earn 1 Nectar point for every £5 spent elsewhere.
|
Representative example: When you spend £1,200 at a purchase rate of 20.95% (variable) p.a., your representative rate is 20.9% APR (variable).
|
|
|
|
|
|
0% for 20 months reverting to 20.95%
|
£0
|
20.9% p.a. (variable)
|
|
Earn 750 bonus Nectar points each time £35 or more spent on Sainsbury's shopping, up to ten times in your first 2 months, up to a total of 7,500 points, offer available for new customers. Earn 2 Nectar points per £1 spent on Sainsbury's shopping and fuel. Earn 1 Nectar point for every £5 spent elsewhere.
|
Representative example: When you spend £1,200 at a purchase rate of 20.95% (variable) p.a., your representative rate is 20.9% APR (variable).
|
|
|
|
|
|
0% for 26 months reverting to 15.9%
|
£3 per month
|
21.7% p.a. (variable)
|
|
0.5% after £1 of monthly spend. Cashback paid Monthly into Card Account. Maximum spend for cashback purposes is limited to credit limit.
|
Representative example: When you spend £1,200 at a purchase rate of 15.9% (variable) p.a. with a fee of £3 per month, your representative rate is 21.7% APR (variable).
|
|
|
|
|
|
0% for 3 months reverting to 21.94%
|
£0
|
21.9% p.a. (variable)
|
|
Earn 2 privilege points for every £1 spent at Laura Ashley, and 1 privilege point for every £2 spent elsewhere. 500 points equals a £5 voucher which is issued quarterly.
|
Representative example: When you spend £1,200 at a purchase rate of 21.94% (variable) p.a., your representative rate is 21.9% APR (variable).
|
|
|
|
|
|
0% for 3 months reverting to 21.94%
|
£0
|
21.9% p.a. (variable)
|
|
Earn 1.5 Amazon reward points per £2 spent at Amazon.co.uk. Earn 0.5 Amazon reward point per £2 spent elsewhere. Whenever your Amazon reward points reach 1,000 a £10 Amazon.co.uk Gift Card will be automatically linked to your Amazon.co.uk account. For Amazon Prime members - earn 3 Amazon reward points per £2 spent at Amazon.co.uk and earn 0.5 Amazon Reward point per £2 spent elsewhere.
|
Representative example: When you spend £1,200 at a purchase rate of 21.94% (variable) p.a., your representative rate is 21.9% APR (variable).
|
|
|
|
|
|
0% for 6 months reverting to 21.9%
|
£0
|
21.9% p.a. (variable)
|
|
Earn 1 point for every £5 spent on purchases. Bonus 2,500 reward points on anniversary if £10,000 spent in previous year for first 5 years.
|
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
|
|
|
|
|
|
22.9%
|
£0
|
22.9% p.a. (variable)
|
|
Earn 5,000 bonus miles with your first card purchase made within 90 days of account opening. Earn 0.75 Flying Club miles for every £1 spend. Spend £20K a year on your card and choose an extra benefit - an upgrade to premium, or a Companion ticket. Double miles when you spend directly with Virgin Atlantic and Virgin Holidays through the contact centre and online. Earn an additional 2,000 bonus miles if you spend £1K within 90 days of opening until 31.10.19.
|
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).
|
|
|
|
|
|
22.9%
|
£0
|
22.9% p.a. (variable)
|
|
0.25% after £1 of yearly spend. Cashback paid Monthly into Card Account. Cashback on purchases until 31.8.23. Maximum spend for cashback purposes is limited to credit limit.
|
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).
|
|
|
|
|
|
22.9%
|
£0
|
22.9% p.a. (variable)
|
|
1 IHG Rewards Club point for every £1 spent in the UK.
2 IHG Rewards Club points for every £1 spent at any IHG location in the UK.
2 IHG Rewards Club points for every £1 spent abroad.
|
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).
|
|
|
|
|
|
18.9%
|
£24 per annum. Reward or Reward Black Current Account holders: £0 per annum
|
23.7% p.a. (variable)
|
|
1% Rewards earned on supermarket spend and 0.5% at their petrol stations, at least 1% Rewards earned at MyRewards retailers and 0.5% everywhere else when shopping at home and abroad. 5 Rewards is £5 when redeemed. Rewards can be converted into money and transferred to a current account, exchanged for gift cards or tickets with some retailers doubling their value or converted into money and donated to one of the RBS Group chosen charities.
|
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a. with a fee of £24 per annum. Reward or Reward Black Current Account holders: £0 per annum, your representative rate is 23.7% APR (variable).
|
|
|
|
|
|
18.9%
|
£24 per annum. Reward or Reward Black Current Account holders: £0 per annum
|
23.7% p.a. (variable)
|
|
1% Rewards earned on supermarket spend and 0.5% at their petrol stations, at least 1% Rewards earned at MyRewards retailers and 0.5% everywhere else when shopping at home and abroad. 5 Rewards is £5 when redeemed. Rewards can be converted into money and transferred to a current account, exchanged for gift cards or tickets with some retailers doubling their value or converted into money and donated to one of the RBS Group chosen charities.
|
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a. with a fee of £24 per annum. Reward or Reward Black Current Account holders: £0 per annum, your representative rate is 23.7% APR (variable).
|
|
|
|
|
|
24.94%
|
£0
|
24.9% p.a. (variable)
|
|
Earn 3 points for every £1 spent at Debenhams, and 1 point for every £2 spent elsewhere. 500 points equals a £5 voucher which is issued quarterly.
|
Representative example: When you spend £1,200 at a purchase rate of 24.94% (variable) p.a., your representative rate is 24.9% APR (variable).
|
|
|
|
|
|
24.94%
|
£0
|
24.9% p.a. (variable)
|
|
Earn 2 points for every £1 spent at Miss Selfridge and other Arcadia Group stores and online, and 1 point for every £1 spent elsewhere. 500 points equals a £5 voucher which is issued quarterly. Bonus points for certain good credit actions.
|
Representative example: When you spend £1,200 at a purchase rate of 24.94% (variable) p.a., your representative rate is 24.9% APR (variable).
|
|
|
|
|
|
27.542%
|
£0
|
27.5% p.a. (variable)
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Collect 1 Tesco Clubcard point per £4 spent (£4 minimum) in Tesco and 1 Clubcard point per £8 spent (£8 minimum) outside Tesco in each purchase transaction. Must have available credit to collect Clubcard points. Clubcard points are turned into Clubcard vouchers every 3 months or sooner using Faster Vouchers. Clubcard vouchers can be used in Tesco or with Clubcard Reward Partners to get even more value on dining out, hotel stays and travel.
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Representative example: When you spend £1,200 at a purchase rate of 27.542% (variable) p.a., your representative rate is 27.5% APR (variable).
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29.95%
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£0
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29.9% p.a. (variable)
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Earn 2 points for every £1 spent at Dorothy Perkins and other Arcadia Group stores and online, and 1 point for every £1 spent elsewhere. 500 points equals a £5 voucher which is issued quarterly. Bonus points in birthday month.
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Representative example: When you spend £1,200 at a purchase rate of 29.95% (variable) p.a., your representative rate is 29.9% APR (variable).
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29.95%
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£0
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29.9% p.a. (variable)
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Earn 2 points for every £1 spent at Evans and other Arcadia Group stores and online, and 1 point for every £1 spent elsewhere. 500 points equals a £5 voucher which is issued quarterly. Bonus points in birthday month.
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Representative example: When you spend £1,200 at a purchase rate of 29.95% (variable) p.a., your representative rate is 29.9% APR (variable).
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29.95%
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£0
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29.9% p.a. (variable)
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Earn 2 points for every £1 spent at Wallis and other Arcadia Group stores and online, and 1 point for every £1 spent elsewhere. 500 points equals a £5 voucher which is issued quarterly. Bonus treat in birthday month.
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Representative example: When you spend £1,200 at a purchase rate of 29.95% (variable) p.a., your representative rate is 29.9% APR (variable).
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29.95%
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£0
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29.9% p.a. (variable)
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Earn 2 points for every £1 spent at Outfit and other Arcadia Group stores and online, and 1 point for every £1 spent elsewhere. 500 points equals a £5 voucher which is issued quarterly. Bonus points in birthday month.
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Representative example: When you spend £1,200 at a purchase rate of 29.95% (variable) p.a., your representative rate is 29.9% APR (variable).
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34.9%
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£0
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34.9% p.a. (variable)
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Earn Asda vouchers every time you shop - 1% cashback on all Asda spend, 0.2% on all other transactions. Once £2.5 is earnt a voucher can be downloaded to spend in Asda stores.
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Representative example: When you spend £1,200 at a purchase rate of 34.9% (variable) p.a., your representative rate is 34.9% APR (variable).
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34.95%
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£0
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34.9% p.a. (variable)
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0.5% on £1 to £20000 of yearly spend. Maximum of £100 cashback paid per year. Cashback paid Anniversary into Card Account. Maximum spend for cashback purposes is £20000
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Representative example: When you spend £1,200 at a purchase rate of 34.95% (variable) p.a., your representative rate is 34.9% APR (variable).
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18.9%
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£84 per annum. Reward Black Current Account holders: £0 per annum
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37.1% p.a. (variable)
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1% Rewards earned on supermarket spend and 0.5% at their petrol stations, at least 1% Rewards earned at MyRewards retailers and 0.5% everywhere else when shopping at home and abroad. 5 Rewards is £5 when redeemed. Rewards can be converted into money and transferred to a current account, exchanged for gift cards or tickets with some retailers doubling their value or converted into money and donated to one of the RBS Group chosen charities.
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Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a. with a fee of £84 per annum. Reward Black Current Account holders: £0 per annum, your representative rate is 37.1% APR (variable).
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18.9%
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£84 per annum. Reward Black Current Account holders: £0 per annum
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37.1% p.a. (variable)
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1% Rewards earned on supermarket spend and 0.5% at their petrol stations, at least 1% Rewards earned at MyRewards retailers and 0.5% everywhere else when shopping at home and abroad. 5 Rewards is £5 when redeemed. Rewards can be converted into money and transferred to a current account, exchanged for gift cards or tickets with some retailers doubling their value or converted into money and donated to one of the RBS Group chosen charities.
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Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a. with a fee of £84 per annum. Reward Black Current Account holders: £0 per annum, your representative rate is 37.1% APR (variable).
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22.9%
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£99 per annum
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45.1% p.a. (variable)
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2 IHG Rewards Club point for every £1 spent in the UK.
4 IHG Rewards Club points for every £1 spent at any IHG location in the UK.
4 IHG Rewards Club points for every £1 spent abroad.
Free night voucher at any IHG property if customer spends £10,000 per year. Free night voucher to be awarded on account anniversary.
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Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a. with a fee of £99 per annum, your representative rate is 45.1% APR (variable).
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0% for 18 months reverting to 18.9%
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£15 per month
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49.8% p.a. (variable)
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0.5% on £1 to £3000 of monthly spend. Maximum of £15 cashback paid per month. Cashback paid Monthly into Card Account. Maximum spend for cashback purposes is limited to credit limit.
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Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a. with a fee of £15 per month, your representative rate is 49.8% APR (variable).
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18.9%
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£195 per annum
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59.3% p.a. (variable)
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2 points for every £1 spend in the UK. 4 points for every £1 spend outside the UK. 40,000 Anniversary Points Boost - qualifying spend £12K in 12 months from account opening. Points can be redeemed for airline frequent flyer miles, retail vouchers from selected stores and luxury wines and champagnes or can be used to make donations made to the charity of the customer's choice.
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Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a. with a fee of £195 per annum, your representative rate is 59.3% APR (variable).
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22.9%
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£160 per annum
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63.9% p.a. (variable)
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Earn 15,000 bonus miles with your first card purchase made within 90 days of account opening. Earn 1.5 Flying Club miles for every £1 spend. Spend £10K a year on your card and choose an extra benefit - an upgrade to premium, or a Companion ticket. Double miles when you spend directly with Virgin Atlantic and Virgin Holidays through the contact centre and online.
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Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a. with a fee of £160 per annum, your representative rate is 63.9% APR (variable).
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