

0% for 20 months reverting to 19.9%.

0% Transfers must be made within 3 months of account opening

0% for 3 months reverting to 19.9% p.a. (variable)

£0

19.9% (variable)



Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable), your representative rate is 19.9% APR (variable).





0% for 20 months reverting to 19.9%

0% Transfers must be made within 3 months of account opening

0% for 3 months reverting to 19.9% p.a. (variable)

£0

19.9% (variable)



Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable), your representative rate is 19.9% APR (variable).





0% for 27 months reverting to 18.9%

2.29% (min. £5) for 3 months reverting to 2.9% (min. £5)

18.9%

£0

18.9% (variable)



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 18 months reverting to 18.9%

1.4% (min. £5)

0% for 9 months reverting to 18.9%

£0

18.9% (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 18 months reverting to 18.9%

0% for 18 months reverting to 3% (min. £5)

0% for 3 months reverting to 18.9%

£0

18.9% (variable)



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 18 months reverting to 18.9%

2.9% (min. £5)

0% for 9 months reverting to 18.9%

£0

18.9% (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.

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 18 months reverting to 19.9%

1.5% (min. £5) for 3 months reverting to 2.4% (min. £5)

0% for 3 months reverting to 19.9%

£0

19.9% (variable)



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 15 months reverting to 19.94%

0% for 3 months reverting to 5%

0% for 6 months reverting to 19.94%

£0

19.9% (variable)



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 29 months reverting to 19.95%

3% for 3 months reverting to 5%

0% for 3 months reverting to 19.95%

£0

19.9% (variable)



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 26 months reverting to 21.814%

2.98% for 26 months reverting to 3.99% (min. £3)

19.944%

£0

19.9% (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 25 months reverting to 19.95%

1% for 3 months reverting to 5%

0% for 12 months reverting to 19.95%

£0

19.9% (variable)



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 20 months reverting to 19.95%

2.95% for 3 months reverting to 3%

0% for 20 months reverting to 19.95%

£0

19.9% (variable)



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 28 months reverting to 19.9%

2.85% (min. £5)

0% for 6 months reverting to 19.9%

£0

19.9% (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).





0% for 28 months reverting to 19.95%

3% (min. £3)

0% for 3 months reverting to 19.95%

£0

19.9% (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 20 months reverting to 19.95%

3% for 3 months reverting to 5%

0% for 20 months reverting to 19.95%

£0

19.9% (variable)



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 20 months reverting to 19.9%

2.9% (min. £5)

0% for 20 months reverting to 19.9%

£0

19.9% (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).





0% for 20 months reverting to 19.94%

3% for 3 months reverting to 5%

0% for 20 months reverting to 19.94%

£0

19.9% (variable)



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 20 months reverting to 19.9%

0%

0% for 3 months reverting to 19.9%

£0

19.9% (variable)



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 28 months reverting to 19.95%

2.95% for 3 months reverting to 3%

0% for 3 months reverting to 19.95%

£0

19.9% (variable)



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 20 months reverting to 19.95%

3% for 3 months reverting to 5%

0% for 20 months reverting to 19.95%

£0

19.9% (variable)



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 28 months reverting to 19.94%

3% for 3 months reverting to 5%

0% for 6 months reverting to 19.94%

£0

19.9% (variable)



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 19.9%

2.49%

0% for 24 months reverting to 19.9%

£0

19.9% (variable)



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 15 months reverting to 19.95%

0% for 3 months reverting to 5%

0% for 6 months reverting to 19.95%

£0

19.9% (variable)



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 24 months reverting to 19.94%

1.5% for 3 months reverting to 5%

0% for 12 months reverting to 19.94%

£0

19.9% (variable)



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 19.95%

1.5% for 3 months reverting to 5%

0% for 12 months reverting to 19.95%

£0

19.9% (variable)



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 15 months reverting to 19.9%

1.5% (min. £5) for 3 months reverting to 2.4% (min. £5)

0% for 15 months reverting to 19.9%

£0

19.9% (variable)



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 24 months reverting to 20.6%

0%

0% for 4 months reverting to 20.6%

£0

20.6% (variable)



Representative example: When you spend £1,200 at a purchase rate of 20.6% (variable) p.a., your representative rate is 20.6% APR (variable).





0% for 26 months reverting to 20.93%

2.89% for 2 months reverting to 5%

0% for 26 months reverting to 20.93%

£0

20.9% (variable)



Representative example: When you spend £1,200 at a purchase rate of 20.93% (variable) p.a., your representative rate is 20.9% APR (variable).





0% for 29 months reverting to 20.93%

2.75% for 2 months reverting to 5%

20.93%

£0

20.9% (variable)



Representative example: When you spend £1,200 at a purchase rate of 20.93% (variable) p.a., your representative rate is 20.9% APR (variable).





0% for 26 months reverting to 20.93%

1% for 2 months reverting to 5%

20.93%

£0

20.9% (variable)



Representative example: When you spend £1,200 at a purchase rate of 20.93% (variable) p.a., your representative rate is 20.9% APR (variable).





0% for 16 months reverting to 20.95%

0% for transfers made within 3 months

0% for 3 months reverting to 20.95%

£0

20.9% (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 20.95%

3% (min. £3)

0% for 26 months reverting to 20.95%

£0

20.9% (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 20.95%

1.99% (min. £3) for 3 months reverting to 1% (min. £3)

0% for 3 months reverting to 20.95%

£0

20.9% (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%

0% for 26 months reverting to 3% (min. £5)

0% for 26 months reverting to 15.9%

£3 per month

21.7% (variable)



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 12 months reverting to 21.9%

2% for 2 months reverting to 5%

0% for 12 months reverting to 21.9%

£0

21.9% (variable)



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).





0% for 27 months reverting to 21.9%

2.7% for transfers in first 60 days

0% for 27 months reverting to 21.9%

£0

21.9% (variable)



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).





0% for 23 months reverting to 21.9%

2.9% for 2 months reverting to 5%

0% for 20 months reverting to 21.9%

£0

21.9% (variable)



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).





0% for 20 months reverting to 21.9%

2.7% for transfers in first 60 days

0% for 20 months reverting to 21.9%

£0

21.9% (variable)



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).





0% for 25 months reverting to 21.9%

1.5% (min. £5)

0% for 3 months reverting to 21.9%

£0

21.9% (variable)



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).





0% for 27 months reverting to 21.9%

1.45% for 2 months reverting to 5%

0% for 3 months reverting to 21.9%

£0

21.9% (variable)



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).





0% for 12 months reverting to 21.94%

5%

0% for 3 months reverting to 21.94%

£0

21.9% (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 29 months reverting to 21.9%

3% for 2 months reverting to 5%

0% for 3 months reverting to 21.9%

£0

21.9% (variable)



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).





0% for 12 months reverting to 21.9%

2% for 2 months reverting to 5%

0% for 20 months reverting to 21.9%

£0

21.9% (variable)



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).





0% for 12 months reverting to 22.93%

4% for 2 months reverting to 5%

22.93%

£0

22.9% (variable)



Representative example: When you spend £1,200 at a purchase rate of 22.93% (variable) p.a., your representative rate is 22.9% APR (variable).





0% for 12 months reverting to 22.9%

3% (min. £3)

22.9%

£0

22.9% (variable)


Receive an additional 10,000 IHG Rewards Club bonus points when £500 or more spent within first 90 days of opening until 31.3.20. 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).





0% for 18 months reverting to 22.9%

2.9% (min. £5) for transfers in first 60 days

0% for 18 months reverting to 22.9%

£0

22.9% (variable)



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).





0% for 12 months reverting to 24.94%

2.99% for 12 months reverting to 5%

24.94%

£0

24.9% (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).





0% for 12 months reverting to 24.93%

2.9%

0% for 3 months reverting to 24.93%

£0

24.9% (variable)



Representative example: When you spend £1,200 at a purchase rate of 24.93% (variable) p.a., your representative rate is 24.9% APR (variable).





0% for 16 months reverting to 27.95%

3% for 3 months reverting to 5%

0% for 6 months reverting to 27.95%

£0

27.9% (variable)



Representative example: When you spend £1,200 at a purchase rate of 27.95% (variable) p.a., your representative rate is 27.9% APR (variable).





0% for 12 months reverting to 27.9%

2% for 2 months reverting to 5%

0% for 16 months reverting to 27.9%

£0

27.9% (variable)



Representative example: When you spend £1,200 at a purchase rate of 27.9% (variable) p.a., your representative rate is 27.9% APR (variable).





0% for 20 months reverting to 27.9%

2.9% for 2 months reverting to 5%

0% for 17 months reverting to 27.9%

£0

27.9% (variable)



Representative example: When you spend £1,200 at a purchase rate of 27.9% (variable) p.a., your representative rate is 27.9% APR (variable).





0% for 24 months reverting to 27.9%

3% for 2 months reverting to 5%

0% for 3 months reverting to 27.9%

£0

27.9% (variable)



Representative example: When you spend £1,200 at a purchase rate of 27.9% (variable) p.a., your representative rate is 27.9% APR (variable).





0% for 16 months reverting to 27.95%

3% for 3 months reverting to 5%

0% for 6 months reverting to 27.95%

£0

27.9% (variable)



Representative example: When you spend £1,200 at a purchase rate of 27.95% (variable) p.a., your representative rate is 27.9% APR (variable).





0% for 12 months reverting to 22.9%

3% (min. £3)

22.9%

£99 per annum

45.1% (variable)


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.

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).





0% for 18 months reverting to 18.9%

0% for 18 months reverting to 3% (min. £5)

0% for 18 months reverting to 18.9%

£15 per month

49.8% (variable)



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).


