

0% for 20 months reverting to 19.9%

2.9% (min. £5)

0% for 20 months reverting to 19.9%

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).





0% for 12 months reverting to 19.9%

3% (min. £3)

19.9%

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 23 months reverting to 19.9%

0% for transfers in first 3 months

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

19.9% p.a. (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 23 months reverting to 19.9%

0% for transfers in first 3 months

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

19.9% p.a. (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 12 months reverting to 15.9%

0% for 3 months reverting to 2.4% (min. £5)

0% for 12 months reverting to 15.9%

15.9% p.a. (variable)



Representative example: When you spend £1,200 at a purchase rate of 15.9% (variable) p.a., your representative rate is 15.9% APR (variable).





0% for 12 months reverting to 17.9%

0% for 3 months reverting to 2.4% (min. £5)

0% for 12 months reverting to 17.9%

17.9% p.a. (variable)


Customers will be able to earn commissionfree purchases abroad by using their Credit Card each time they make a purchase in Sterling. The calculation will be based on a 5:1 ratio  for example, £5 spent in Sterling will earn an allowance of £1 commission freepurchases abroad. Purchases abroad beyond the earned amount will be charged 2% commission.

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).





0% for 27 months reverting to 18.9%

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

18.9%

18.9% p.a. (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%

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

0% for 3 months reverting to 18.9%

18.9% p.a. (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%

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. 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 18.9%

1.4% (min. £5)

0% for 9 months reverting to 18.9%

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 15 months reverting to 19.95%

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

0% for 6 months reverting to 19.95%

19.9% p.a. (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 21.814%

2.98% for 28 months reverting to 3.99% (min. £3)

0% for 3 months reverting to 19.944%

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 21.814%

1.49% for 15 months reverting to 3.99% (min. £3)

0% for 15 months reverting to 19.944%

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 29 months reverting to 19.95%

3% (min. £3)

0% for 3 months reverting to 19.95%

19.9% p.a. (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 19.94%

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

0% for 6 months reverting to 19.94%

19.9% p.a. (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 28 months reverting to 19.94%

3% (min. £3)

0% for 3 months reverting to 19.94%

19.9% p.a. (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 19.95%

3% (min. £3)

0% for 20 months reverting to 19.95%

19.9% p.a. (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 19.95%

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

0% for 12 months reverting to 19.95%

19.9% p.a. (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%

1.75% for transfers in first 60 days

0% for 6 months reverting to 19.9%

19.9% p.a. (variable)


Buy tickets for up to 3500 selected live events through Barclaycard entertainment and get 5% off tickets per year and exclusive presale tickets on selected festivals with 10% off ticket prices. Save 5% on food and drink at all UK 02 Academy venues.

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 21.814%

0% for 12 months reverting to 3.99% (min. £3)

0% for 12 months reverting to 19.944%

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 20 months reverting to 19.95%

2.95% for 3 months reverting to 3%

0% for 20 months reverting to 19.95%

19.9% p.a. (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 27 months reverting to 19.9%

2.7% for transfers in first 60 days

0% for 27 months reverting to 19.9%

19.9% p.a. (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 20 months reverting to 19.95%

3% (min. £3)

0% for 20 months reverting to 19.95%

19.9% p.a. (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 18 months reverting to 19.9%

0% for transfers in first 60 days

0% for 6 months reverting to 19.9%

19.9% p.a. (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 19.94%

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

0% for 12 months reverting to 19.94%

19.9% p.a. (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 16 months reverting to 21.814%

0% for 3 months reverting to 3.99%

0% for 3 months reverting to 19.944%

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 25 months reverting to 19.95%

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

0% for 12 months reverting to 19.95%

19.9% p.a. (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%

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 28 months reverting to 19.95%

3% (min. £3)

0% for 3 months reverting to 19.95%

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 24 months reverting to 19.9%

2.49%

0% for 24 months reverting to 19.9%

19.9% p.a. (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 21.814%

2.98% for 28 months reverting to 3.99% (min. £3)

0% for 3 months reverting to 19.944%

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 23 months reverting to 19.9%

0%

0% for 3 months reverting to 19.9%

19.9% p.a. (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 20 months reverting to 19.94%

3% (min. £3)

0% for 20 months reverting to 19.94%

19.9% p.a. (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 20.6%

0%

0% for 4 months reverting to 20.6%

20.6% p.a. (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%

20.9% p.a. (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 25 months reverting to 20.95%

3% (min. £3)

0% for 25 months reverting to 20.95%

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 20.93%

1% for 2 months reverting to 5%

20.93%

20.9% p.a. (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 20 months reverting to 20.95%

0% for transfers made within 3 months

0% for 3 months reverting to 20.95%

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 29 months reverting to 20.93%

2.75% for 2 months reverting to 5%

20.93%

20.9% p.a. (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 20.95%

1.99% (min. £3)

0% for 3 months reverting to 20.95%

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%

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

0% for 26 months reverting to 15.9%

21.7% p.a. (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 23 months reverting to 21.9%

2.9% for 2 months reverting to 5%

0% for 20 months reverting to 21.9%

21.9% p.a. (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 12 months reverting to 21.9%

21.9% p.a. (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%

21.9% p.a. (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%

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 12 months reverting to 21.9%

2% for 2 months reverting to 5%

0% for 20 months reverting to 21.9%

21.9% p.a. (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%

21.9% p.a. (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 29 months reverting to 21.9%

3% for 2 months reverting to 5%

0% for 3 months reverting to 21.9%

21.9% p.a. (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%

22.9% p.a. (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 18 months reverting to 22.9%

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

0% for 18 months reverting to 22.9%

22.9% p.a. (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 22.9%

3% (min. £3)

22.9%

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).





0% for 12 months reverting to 24.94%

5%

24.94%

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).





0% for 18 months reverting to 24.9%

2.99%

0% for 3 months reverting to 24.9%

24.9% p.a. (variable)



Representative example: When you spend £1,200 at a purchase rate of 24.9% (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%

24.9% p.a. (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 27.9%

2.9% for 2 months reverting to 5%

0% for 16 months reverting to 27.9%

27.9% p.a. (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).



Virgin Money 16 Month Purchase Credit Card Mastercard


0% for 12 months reverting to 27.9%

2% for 2 months reverting to 5%

0% for 16 months reverting to 27.9%

27.9% p.a. (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%

2.8% for 2 months reverting to 5%

0% for 3 months reverting to 27.9%

27.9% p.a. (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% (min. £3)

0% for 6 months reverting to 27.95%

27.9% p.a. (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 20 months reverting to 27.9%

2.9% for 2 months reverting to 5%

0% for 17 months reverting to 27.9%

27.9% p.a. (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% (min. £3)

0% for 6 months reverting to 27.95%

27.9% p.a. (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 24 months reverting to 27.9%

3% for 2 months reverting to 5%

0% for 3 months reverting to 27.9%

27.9% p.a. (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 12 months reverting to 22.9%

3% (min. £3)

22.9%

45.1% p.a. (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%

49.8% p.a. (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).


