Table sorted by combination of product features, popularity and commercial partnerships.
Purchases Balance transfers Annual/monthly fees Representative APR Key benefit Representative example
M&S Bank Purchase Plus Credit Card image
0% for 25 months
0% for 12 months
(3.49% fee)
£0
24.9% APR (variable)
1 point per £1 spent with M&S and 1 point per £5 spent elsewhere. Enjoy 55 days interest free, preferential rates plus no cash advance fee when buying M&S travel money with the card.
Representative example: Representative 24.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 24.9% p.a. (variable).
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Barclaycard Platinum Balance Transfer (21/24) image
0% for 24 months
0% for 21 months
(3.45% fee)
£0
24.9% APR (variable)
Representative example: Representative 24.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 24.9% p.a. (variable).
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HSBC Purchase Plus Credit Card image
0% for 20 months
0% for 17 months
(3.49% fee)
£0
24.9% APR (variable)
Representative example: Representative 24.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 24.9% p.a. (variable).
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Santander All in One Credit Card image
0% for 15 months
0% for 15 months
(0% fee)
£3 per month
29.8% APR (variable)
0.5% cashback after £1 of monthly spend. Maximum of £10 paid per month. Paid monthly into Card Account.
Representative example: Representative 29.8% APR variable. Based on £3 monthly fee, assumed borrowing of £1,200. Rate of interest 23.9% p.a. (variable).
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First Direct Gold Credit Card image
0% for 12 months
24.9%
£0
24.9% APR (variable)
Representative example: Representative 24.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 24.9% p.a. (variable).
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Barclaycard Forward Credit Card image
0% for 6 months
0% for 6 months
(2.9% fee)
£0
33.9% APR (variable)
Rate discounts: 3% interest rate reduction if you make all your repayments on time for the first year, and a further drop of up to 2% more if you continue to do so in the second year.
Representative example: Representative 33.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 33.9% p.a. (variable).
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