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Name	Product	Balance transfers	Balance transfer fee	Purchases	Annual/monthly fees	Representative APR	Incentive	Link
Santander Everyday Long Term Balance Transfer Credit Card		0% for 28 months reverting to 21.9%	3% (min. £5)	0% for 3 months reverting to 22.9%	£0	22.9% APR (variable)	Sign up for Santander Boosts to receive cashback, vouchers, offers and prize draws from selected retailers. 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).	Check eligibility Read review	Compare	loading Fetching your data...
NatWest Purchase & Balance Transfer Credit Card		0% for 23 months reverting to 23.9%	2.99%	0% for 23 months reverting to 23.9%	£0	23.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).	Go to site Read review	Compare	loading Fetching your data...
M&S Bank Credit Card Transfer Plus Offer Mastercard Finder Award		0% for 28 months reverting to 23.9%	2.99% fee, min £5	0% for 3 months reverting to 23.9%	£0	23.9% 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: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
Royal Bank of Scotland Longer Balance Transfer Credit Card		0% for 30 months reverting to 23.9%	2.99%	0% for 3 months reverting to 23.9%	£0	23.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
Royal Bank of Scotland Balance Transfer Credit Card		0% for 19 months reverting to 23.9%	2.99%	0% for 3 months reverting to 23.9%	£0	23.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
NatWest Longer Balance Transfer Credit Card		0% for 30 months reverting to 23.9%	2.99%	0% for 3 months reverting to 23.9%	£0	23.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).	Go to site Read review	Compare	loading Fetching your data...
HSBC No Fee Balance Transfer Credit Card Visa		0% for 16 months reverting to 23.9%	0%	0% for 3 months reverting to 23.9%	£0	23.9% APR (variable)	Discounts and exclusive offers for dining experiences, leisure activities and shopping available through HSBC Home and Away. Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
NatWest Balance Transfer Credit Card		0% for 19 months reverting to 23.9%	0%	0% for 3 months reverting to 23.9%	£0	23.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).	Go to site Read review	Compare	loading Fetching your data...
HSBC Purchase Plus Credit Card		0% for 17 months reverting to 23.9%	2.99%	0% for 20 months reverting to 23.9%	£0	23.9% APR (variable)	Discounts and exclusive offers for dining experiences, leisure activities and shopping available through HSBC Home and Away. Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable). You might get different interest rates and promotional periods to those shown here, because these depend on your circumstances.	Check eligibility Read review	Compare	loading Fetching your data...
Royal Bank of Scotland Purchase & Balance Transfer Credit Card		0% for 23 months reverting to 23.9%	2.9%	0% for 23 months reverting to 23.9%	£0	23.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
HSBC Balance Transfer Credit Card		0% for 27 months reverting to 23.9%	0%	0% for 3 months reverting to 23.9%	£0	23.9% APR (variable)	Discounts and exclusive offers for dining experiences, leisure activities and shopping available through HSBC Home and Away. Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable). You might get different interest rates and promotional periods to those shown here, because these depend on your circumstances.	Check eligibility Read review	Compare	loading Fetching your data...
M&S Bank Shopping Plus Credit Card Finder Award		0% for 18 months reverting to 23.9%	2.9% fee, min £5	0% for 21 months reverting to 23.9%	£0	23.9% 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: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
Santander All in One Credit Card		0% for 15 months reverting to 21.9%	0% for 15 months reverting to 3% (min. £5)	0% for 15 months reverting to 21.9%	£3 per month	27.7% APR (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 21.9% (variable) p.a. with a fee of £3 per month, your representative rate is 27.7% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
first direct Credit Card		0% for 27 months reverting to 18.9%	2.29%	18.9%	£0	18.9% APR (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).	Read review	Compare	loading Fetching your data...
Nationwide Member Credit Card All Rounder		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% APR (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).	Read review	Compare	loading Fetching your data...
Nationwide Member Credit Card Balance Transfer		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% APR (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).	Read review	Compare	loading Fetching your data...
The Co-operative Bank Balance Transfer Credit Card Visa		0% for 24 months reverting to 20.6%	3% (minimum £5)	0% for 4 months reverting to 20.6%	£0	20.6% APR (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).	Read review	Compare	loading Fetching your data...
Sainsbury's Bank 27 Month Balance Transfer Credit Card Mastercard		0% for 27 months reverting to 21.9%	2% (min. £3) for 3 months reverting to 3% (min. £3)	0% for 3 months reverting to 21.95%	£0	21.9% APR (variable)	Earn 1 Nectar point per £2 spent in Sainsbury's and Argos, and 1 Nectar point for every £5 spent elsewhere. Additional points can be earned by also using the Nectar card or app at the time of transaction. 1 point = 0.5p (min 500pts) Representative example: When you spend £1,200 at a purchase rate of 21.95% (variable) p.a., your representative rate is 21.9% APR (variable).	Read review	Compare	loading Fetching your data...
Sainsbury's Bank Dual 18 Month Offer Credit Card Mastercard		0% for 18 months reverting to 20.95%	3% (min. £3)	0% for 18 months reverting to 21.95%	£0	21.9% APR (variable)	Earn 1 Nectar points per £2 spent in Sainsbury's and Argos, and 1 Nectar point for every £5 spent elsewhere. Additional points can be earned by also using the Nectar card or app at the time of transaction. Earn 500 bonus points each time you spend £35 or more on Sainsbury's shopping with your credit card, up to ten times in your first 2 months, offer available for new customers. 1 point = 0.5p (min 500pts) Representative example: When you spend £1,200 at a purchase rate of 21.95% (variable) p.a., your representative rate is 21.9% APR (variable).	Read review	Compare	loading Fetching your data...
Sainsbury's Bank 17 Month Low Balance Transfer Fee Credit Card Mastercard		0% for 17 months reverting to 21.95%	0% for 3 months reverting to 3% (min. £3)	0% for 3 months reverting to 21.95%	£0	21.9% APR (variable)	Earn 1 Nectar point per £2 spent in Sainsbury's and Argos, and 1 Nectar point for every £5 spent elsewhere. Additional points can be earned by also using the Nectar card or app at the time of transaction. 1 point = 0.5p (min 500pts) Representative example: When you spend £1,200 at a purchase rate of 21.95% (variable) p.a., your representative rate is 21.9% APR (variable).	Read review	Compare	loading Fetching your data...

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Name	Product	Purchases	Balance transfers	Annual/monthly fees	Representative APR	Incentive	Link
Royal Bank of Scotland Purchase & Balance Transfer Credit Card		0% for 23 months reverting to 23.9%	0% for 23 months (2.9% fee)	£0	23.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
NatWest Purchase & Balance Transfer Credit Card		0% for 23 months reverting to 23.9%	0% for 23 months (2.99% fee)	£0	23.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).	Go to site Read review	Compare	loading Fetching your data...
M&S Bank Shopping Plus Credit Card Finder Award		0% for 21 months reverting to 23.9%	0% for 18 months (2.9% fee, min £5 fee)	£0	23.9% 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: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
HSBC Purchase Plus Credit Card		0% for 20 months reverting to 23.9%	0% for 17 months (2.99% fee)	£0	23.9% APR (variable)	Discounts and exclusive offers for dining experiences, leisure activities and shopping available through HSBC Home and Away. Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable). You might get different interest rates and promotional periods to those shown here, because these depend on your circumstances.	Check eligibility Read review	Compare	loading Fetching your data...
Santander All in One Credit Card		0% for 15 months reverting to 21.9%	0% for 15 months (0% fee)	£3 per month	27.7% APR (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 21.9% (variable) p.a. with a fee of £3 per month, your representative rate is 27.7% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
HSBC Rewards Credit Card		0% for 6 months reverting to 23.9%	0% for 6 months (0% fee)	£0	23.9% APR (variable)	Earn 1 point for every £5 spent on purchases. Bonus 2,500 reward points on anniversary if £10,000 spent in previous year. 1 point = 1p (no min) Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
Tesco Bank Clubcard Plus Credit Card Mastercard		0% for 24 months reverting to 19.944%	21.814% (3.99% fee)	£7.99 per month	37.7% APR (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 an enhanced rate of 1 point per £1 spent on fuel. Points are converted to Tesco vouchers which can be used towards shopping or exchanged for Partner Rewards. 1 point = 1p (min 250pts) Representative example: When you spend £1,200 at a purchase rate of 19.944% (variable) p.a. with a fee of £7.99 per month, your representative rate is 37.7% APR (variable).	Read review	Compare	loading Fetching your data...
Barclaycard Platinum All-Rounder Visa		0% for 24 months reverting to 22.9%	0% for 22 months (2.9% fee)	£0	22.9% APR (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. 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).	Read review	Compare	loading Fetching your data...
Ulster Bank Purchase & Balance Transfer Credit Card Mastercard		0% for 23 months reverting to 23.9%	0% for 23 months (2.99% fee)	£0	23.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).	Read review	Compare	loading Fetching your data...
MBNA 0% Transfer and Purchase Credit Card		0% for 22 months reverting to 22.94%	0% for 22 months (2.99% fee)	£0	22.9% APR (variable)	Earn up to 15% cashback on purchases through Smart Rewards at popular retailers. Representative example: When you spend £1,200 at a purchase rate of 22.94% (variable) p.a., your representative rate is 22.9% APR (variable).	Read review	Compare	loading Fetching your data...
Santander World Elite Mastercard		0% for 18 months reverting to 18.9%	0% for 18 months (0% fee)	£15 per month	49.8% APR (variable)	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. 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).	Read review	Compare	loading Fetching your data...
Sainsbury's Bank Dual 18 Month Offer Credit Card Mastercard		0% for 18 months reverting to 21.95%	0% for 18 months (3% fee)	£0	21.9% APR (variable)	Earn 1 Nectar points per £2 spent in Sainsbury's and Argos, and 1 Nectar point for every £5 spent elsewhere. Additional points can be earned by also using the Nectar card or app at the time of transaction. Earn 500 bonus points each time you spend £35 or more on Sainsbury's shopping with your credit card, up to ten times in your first 2 months, offer available for new customers. 1 point = 0.5p (min 500pts) Representative example: When you spend £1,200 at a purchase rate of 21.95% (variable) p.a., your representative rate is 21.9% APR (variable).	Read review	Compare	loading Fetching your data...
Lloyds Bank Platinum 0% Purchase and Balance Transfer Mastercard		0% for 17 months reverting to 22.94%	0% for 15 months (2.99% fee)	£0	22.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 22.94% (variable) p.a., your representative rate is 22.9% APR (variable).	Read review	Compare	loading Fetching your data...
Halifax 0% Purchase and Balance Transfer Mastercard		0% for 17 months reverting to 22.94%	0% for 17 months (2.99% fee)	£0	22.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 22.94% (variable) p.a., your representative rate is 22.9% APR (variable).	Read review	Compare	loading Fetching your data...
first direct Gold Credit Card		0% for 17 months reverting to 16.9%	16.9% (0% fee)	£0	16.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 16.9% (variable) p.a., your representative rate is 16.9% APR (variable).	Read review	Compare	loading Fetching your data...
Bank of Scotland Platinum 0% Purchase and Balance Transfer Mastercard		0% for 17 months reverting to 22.94%	0% for 17 months (2.99% fee)	£0	22.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 22.94% (variable) p.a., your representative rate is 22.9% APR (variable).	Read review	Compare	loading Fetching your data...
Virgin Money 16 Month All Round Credit Card Mastercard		0% for 16 months reverting to 22.9%	0% for 16 months (3% fee)	£0	22.9% APR (variable)	Enjoy exclusive offers and rewards on the Virgin Red app. 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).	Read review	Compare	loading Fetching your data...
TSB Platinum Purchase Card		0% for 15 months reverting to 21.95%	0% for 15 months (1.45% fee)	£0	22.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 21.95% (variable) p.a., your representative rate is 21.9% APR (variable).	Read review	Compare	loading Fetching your data...
Nationwide Member Credit Card All Rounder		0% for 15 months reverting to 19.9%	0% for 15 months (1.5% fee)	£0	19.9% APR (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).	Read review	Compare	loading Fetching your data...
Tesco Bank Purchases Card		0% for 14 months reverting to 22.94%	0% for 3 months (0% interest on balance transfers for the first 3 months (2.99% fee) fee)	£0	22.9% APR (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 22.94% (variable) p.a., your representative rate is 22.9% APR (variable).	Read review	Compare	loading Fetching your data...

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Name	Product	Annual/monthly fees	Initial credit limits	Minimum income	Representative APR	Incentive	Link
Tymit Credit Card		£0	Min. limit £500, max. limit £15,000.	Not specified	22.9%	Representative Example: 22.9% (variable) based on a borrowing of £1200 over 12 months with no annual fee.	Read review	Compare	loading Fetching your data...
Ocean Credit Card		£0	Min. limit £200, max. limit £1,500.	Not specified	24.9%	Representative example: When you spend £1,200 at a purchase rate of 39.94% (variable) p.a., your representative rate is 39.9% APR (variable).	Read review	Compare	loading Fetching your data...
The Credit Thing card		£0	Min. limit £200, max. limit £1,500.	Not specified	27.9%	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).	Read review	Compare	loading Fetching your data...
TSB Classic Credit Card Mastercard		£0	Min. limit £500, max. limit not specified.	Not specified	27.9%	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).	Read review	Compare	loading Fetching your data...
Vanquis Bank Chrome Credit Card		£0	Min. limit £500, max. limit £1,500.	Not specified	29.5%	Representative example: When you spend £250 at a purchase rate of 29.5% (variable) p.a., your representative rate is 29.5% APR (variable).	Read review	Compare	loading Fetching your data...
Tesco Bank Foundation Card		£0	Min. limit £100, max. limit not specified.	£5000	29.9%	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. Representative example: When you spend £1,200 at a purchase rate of 29.94% (variable) p.a., your representative rate is 29.9% APR (variable).	Read review	Compare	loading Fetching your data...
Bip Credit		£0	Min. limit £250, max. limit not specified.	£5000	29.9%	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).	Read review	Compare	loading Fetching your data...
HSBC Classic Credit Card		£0	Min. limit £250, max. limit £1,000.	£6800	29.9%	Discounts and exclusive offers for dining experiences, leisure activities and shopping available through HSBC Home and Away. Representative example: When you spend £1,200 at a purchase rate of 29.9% (variable) p.a., your representative rate is 29.9% APR (variable).	Read review	Compare	loading Fetching your data...
Keebo credit card Finder Award		£0	Min. limit £200, max. limit £5,000.	Not specified	29.98%	Representative example: When you spend £1,200 at a purchase rate of 29.98% (variable) p.a., your representative rate is 29.98% APR (variable).	Read review	Compare	loading Fetching your data...
Barclaycard Forward Credit Card		£0	Min. limit £50, max. limit £1,200.	£3000	33.9%	Buy tickets for up to 3500 selected live events through Barclaycard entertainment and get 5% off tickets per year and exclusive pre-sale tickets on selected festivals with 10% off ticket prices. Representative example: When you spend £1,200 at a purchase rate of 33.9% (variable) p.a., your representative rate is 33.9% APR (variable).	Read review	Compare	loading Fetching your data...
118 118 Money Guaranteed Rate Card		£0	Min. limit £500, max. limit not specified.	£8400	34%	Representative example: When you spend £1,200 at a purchase rate of 34% (variable) p.a., your representative rate is 34% APR (variable).	Read review	Compare	loading Fetching your data...
Aqua Advance credit card		£0	Min. limit £250, max. limit £1,200.	£5000	34.9%	Reduce your rate over three years if you stay within your credit limit and pay on time. No extra fees on what you spend abroad. 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).	Read review	Compare	loading Fetching your data...
Aqua Classic Balance Transfer Card		£0	Min. limit £250, max. limit £1,200.	Not specified	34.9%	Representative example: Assumed credit limit £1,200, representative 34.9% APR (variable), purchase rate 34.95% p.a. (variable). Please note: you can’t have two Aqua accounts or open an Aqua account within 12 months of opening a Marbles, Fluid or Opus account, issued by New Day	Read review	Compare	loading Fetching your data...
Asda Money Select Credit Card		£0	Min. limit £250, max. limit £5,000.	Not specified	34.9%	Earn 1% back in Asda Pounds when shopping at Asda, earn 0.3% on non-Asda spend. 1 Asda Pound = £1 (min £1) 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).	Read review	Compare	loading Fetching your data...
Marbles Card		£0	Min. limit £250, max. limit £1,200.	Not specified	34.9%	You could get a credit limit increase after three months. Choose a monthly repayment date that suits you and change it up to twice a year. Representative example: Assumed credit limit £1,200, representative 34.9% APR (variable), purchase rate 34.95% p.a. (variable). Please note: you can’t have two Marbles accounts or open a Marbles account within 12 months of opening an Aqua, Fluid or Opus account, issued by New Day	Read review	Compare	loading Fetching your data...
Zopa Credit Card Visa		£0	Min. limit £200, max. limit £1,500.	£10000	34.9%	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).	Read review	Compare	loading Fetching your data...
Post Office Classic Card		£0	Min. limit £200, max. limit £8,000.	Not specified	34.9%	Representative example: When you spend £1,200 at a purchase rate of 34.94% (variable) p.a., your representative rate is 34.9% APR (variable).	Read review	Compare	loading Fetching your data...
Capital One Classic Credit Card		£0	Min. limit £200, max. limit £1,500.	Not specified	34.9%	Representative example: When you spend £1,200 at a purchase rate of 34.94% (variable) p.a., your representative rate is 34.9% APR (variable).	Read review	Compare	loading Fetching your data...
Fluid Credit Card		£0	Min. limit £250, max. limit not specified.	£5000	34.9%	Representative example: When you spend £1,200 at a purchase rate of 34.94% (variable) p.a., your representative rate is 34.9% APR (variable).	Read review	Compare	loading Fetching your data...
Capital One Luma Purchase Mastercard		£0	Min. limit £200, max. limit £1,500.	Not specified	35.9%	Representative example: When you spend £1,200 at a purchase rate of 35.94% (variable) p.a., your representative rate is 35.9% APR (variable).	Read review	Compare	loading Fetching your data...

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What is the AA?

The AA, or Automobile Association, was set up in June 1905 by a group of four London motorists, with the objective putting drivers’ interests first. In 2014 it was voted one of the UK’s most trusted brands in a BrandAsset Valuator survey.

AA credit cards are issued on the Mastercard network, so they can be used in more than 35 million places worldwide.

What types of credit card are available from AA?

The AA offers a very small range of just two basic credit cards, but each is designed to meet a specific need.

• 0% balance transfer card

  The AA offers its Balance Transfer Credit Card so that you can move existing expensive debt to a new card and pay no interest on it for a set introductory period – buying you a window to focus on paying it off. You’ll normally need to pay a balance transfer fee, typically 2-3% of the amount transferred.
  Learn more about 0% balance transfer cards

• Low rate card

  The AA’s Low Rate Credit Card offers a competitive rate of interest on both purchases and balance transfers. This type of card can be a good option if you have an existing outstanding balance but also plan to make a significant purchase. You’ll be able to keep payments low and avoid having to pay an annual fee.
  Learn more about low rate cards

Additional benefits of AA credit cards

• Customer support. The AA operates a local call rate customer helpline with staff available between 8am and 8pm daily.
• Online account management. You can register online to make payments, check the available balance on your card, update your details and carry out a range of other tasks involved in servicing your account.
• Global usage. As part of the Mastercard network, you can use your AA credit card at more than three-quarters of all outlets worldwide, a figure that’s growing all the time.
• Additional cards. You can nominate an additional cardholder, provided they live at the same address as that registered to you.
• AA credit card app. The app is available through Google Play or Apple’s App Store, and lets you access all your account information via your mobile phone.

Applying for an AA credit card

You can apply for an AA credit card easily and conveniently online. It’s straightforward to check your eligibility and chances of being accepted using the AA’s online eligibility checker, which doesn’t affect your credit rating. Keep in mind that the eligibility checker is a guide – you’ll be subject to a full credit check when you apply.

Eligibility requirements

• Be a UK resident
• Be over 18 years old
• Hold a UK bank or building society account
• Not currently have any other credit card issued by the Bank of Ireland
• Be employed, retired or a homemaker, with an annual income of over £8,000
• Not have any outstanding County Court Judgments
• You must ensure that you can meet the repayments as missed payments incur a charge and could have severe consequences on your ability to obtain future credit

Why might your application not be approved?

If you meet the broad criteria outlined above, but have a history of bad debt or no credit history, you could be rejected. Also, if you have been made the subject of a CCJ or have have ever declared bankruptcy, you are unlikely to be offered a card.

Frequently asked questions

• How will I know how much I owe on my account?

  You can keep track of your account online, and can also opt to receive monthly paper statements. Both of these will show the transactions made on your card, and the date when the next monthly payment is due.

• What is the minimum monthly payment I should expect to have to make?

  You will be expected to pay either 1% of the total amount outstanding (including any outstanding interest, charges and fees), or £5, whichever is the greater.

• What information will I need to supply with my application, and how long will it take?

  You’ll need proof of your address for the last three years, details of your bank or building society account, and your employer’s name. You will get an instant decision, both for the eligibility check and the full application.

• Can I use the card for online purchases?

  Yes – just check the payment options on the website concerned, and look out for the Mastercard logo.