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Name	Product	Balance transfers	Balance transfer fee	Purchases	Annual/monthly fees	Representative APR	Incentive	Link
Santander Everyday Credit Card		0% for 18 months reverting to 20.9%	0% for 18 months reverting to 3% (min. £5)	0% for 3 months reverting to 20.9%	£0	20.9% APR (variable)	Earn up to 15% cashback with your selected Retailer Offers at selected major retailers. Representative example: When you spend £1,200 at a purchase rate of 20.9% p.a. (variable), your representative rate is 20.9% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
M&S Bank Transfer Plus Mastercard		0% for 29 months reverting to 21.9%	2.75% (min. £5)	0% for 3 months reverting to 21.9%	£0	21.9% APR (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 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
The NatWest Balance Transfer Credit Card (eligibility criteria apply)		0% for 18 months reverting to 21.9%	0%	0% for 3 months reverting to 21.9% p.a. (variable)	£0	21.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable), your representative rate is 21.9% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
The Royal Bank Balance Transfer Credit Card (eligibility criteria apply)		0% for 18 months reverting to 21.9%	0%	0% for 3 months reverting to 21.9% p.a. (variable)	£0	21.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable), your representative rate is 21.9% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
HSBC Balance Transfer Credit Card		0% for 29 months reverting to 21.9%	2.85% (min. £5)	0% for 3 months reverting to 21.9%	£0	21.9% 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 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
M&S Bank Shopping Plus Credit Card		0% for 20 months reverting to 21.9%	2.9% (min. £5)	0% for 20 months reverting to 21.9%	£0	21.9% APR (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 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
HSBC Purchase Plus Credit Card Visa		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% 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 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
Santander All in One Credit Card		0% for 26 months reverting to 17.9%	0% for 26 months reverting to 3% (min. £5)	0% for 20 months reverting to 17.9%	£3 per month	23.7% APR (variable)	0.5% cashback 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 17.9% (variable) p.a. with a fee of £3 per month, your representative rate is 23.7% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
John Lewis and Waitrose Partnership Mastercard		0% for 18 months reverting to 18.9%	2.9% (min. £5) at anytime reverting to 3% (min. £5)	0% for 9 months reverting to 18.9%	£0	18.9% APR (variable)	Earn 5 points for every £4 spent in store or online at John Lewis, Waitrose and John Lewis Insurance. Earn 1 Point for every £4 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).	Read review	Compare	loading Fetching your data...
first direct Credit Card		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% 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...
HSBC Premier Credit Card		0% for 18 months reverting to 18.9%	1.4% (min. £5)	0% for 9 months reverting to 18.9%	£0	18.9% APR (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).	Read review	Compare	loading Fetching your data...
Nationwide Member Credit Card Balance Transfer Offer		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...
Nationwide Member Credit Card All Rounder Offer		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...
The Co-operative Bank Balance Transfer Credit Card Visa		0% for 24 months reverting to 20.6%	0%	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 Nectar Dual Offer Credit Card Mastercard		0% for 21 months reverting to 20.95%	3% (min. £3)	0% for 21 months reverting to 20.95%	£0	20.9% APR (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 3 Nectar points per £1 spent in Sainsbury's and Argos. 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).	Read review	Compare	loading Fetching your data...
Tesco Bank Balance Transfer Card		0% for 26 months reverting to 20.94%	2.99% for 26 months reverting to 3.99%	20.94%	£0	20.9% 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 20.94% (variable) p.a., your representative rate is 20.9% APR (variable).	Read review	Compare	loading Fetching your data...
Tesco Bank Clubcard Balance Transfer and Purchases Credit Card		0% for 18 months reverting to 20.94%	2.99% for 18 months reverting to 3.99%	0% for 18 months reverting to 20.94%	£0	20.9% 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. 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 20.94% (variable) p.a., your representative rate is 20.9% APR (variable).		Compare	loading Fetching your data...
Sainsbury's Bank Nectar Reward Credit Card		0% for 17 months reverting to 20.95%	3% (min. £3)	0% for 17 months reverting to 20.95%	£0	20.9% APR (variable)	Earn 10,000 Nectar points if £400 spent at Sainsbury's, Argos or Tu Clothing during first two months of opening. Earn up to 3 Nectar points per £1 spent at Sainsbury's and Argos. 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).	Read review	Compare	loading Fetching your data...
Bank of Scotland Platinum Low Fee 0% Balance Transfer credit card		0% for 22 months reverting to 21.93%	1.99% for 3 months reverting to 5%	0% for 9 months reverting to 21.93%	£0	21.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 21.93% (variable) p.a., your representative rate is 21.9% APR (variable).	Read review	Compare	loading Fetching your data...
MBNA Long 0% Balance Transfer Credit Card		0% for 29 months reverting to 21.93%	2.69% for 2 months reverting to 5%	21.93%	£0	21.9% 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 21.93% (variable) p.a., your representative rate is 21.9% APR (variable).	Read review	Compare	loading Fetching your data...
Sainsbury's Bank 26 Month Balance Transfer Credit Card Mastercard		0% for 26 months reverting to 21.95%	1% (min. £3) for 3 months reverting to 3% (min. £3)	0% for 3 months reverting to 21.95%	£0	21.9% APR (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 3 Nectar points per £1 spent in Sainsbury's and Argos. Earn 1 Nectar point for every £5 spent elsewhere. 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...
Ulster Bank Balance Transfer Credit Card Mastercard		0% for 18 months reverting to 21.9%	0.49%	0% for 3 months reverting to 21.9%	£0	21.9% APR (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).	Read review	Compare	loading Fetching your data...
Royal Bank of Scotland Longer Balance Transfer Credit Card Mastercard		0% for 23 months reverting to 21.9%	1.99%	0% for 3 months reverting to 21.9%	£0	21.9% APR (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).	Read review	Compare	loading Fetching your data...
Sainsbury's 29 Month Balance Transfer Credit Card Mastercard		0% for 29 months reverting to 21.95%	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 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 3 Nectar points per £1 spent in Sainsbury's and Argos. Earn 1 Nectar point for every £5 spent elsewhere. 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 Low Fee 0% Balance Transfer Mastercard		0% for 22 months reverting to 21.94%	1.99% for 3 months reverting to 5%	0% for 9 months reverting to 21.94%	£0	21.9% APR (variable)	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).	Read review	Compare	loading Fetching your data...
Barclaycard Platinum 24 Month Balance Transfer Credit Card		0% for 24 months reverting to 21.9%	1%	0% for 6 months reverting to 21.9%	£0	21.9% 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 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	Read review	Compare	loading Fetching your data...
TSB Platinum Balance Transfer Card		0% for 27 months reverting to 21.95%	2.95% for 3 months reverting to 5%	0% for 3 months reverting to 21.95%	£0	21.9% APR (variable)	Representative example: When you spend £1,200 at a rate of 19.95% (variable) per annum, your representative APR is 19.9% APR (variable).	Read review	Compare	loading Fetching your data...
Halifax Low Fee 0% Balance Transfer Credit Card		0% for 28 months reverting to 21.93%	2.69% for 3 months reverting to 5%	0% for 9 months reverting to 21.93%	£0	21.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 21.93% (variable) p.a., your representative rate is 21.9% APR (variable).	Read review	Compare	loading Fetching your data...
Ulster Bank Longer Balance Transfer Credit Card Mastercard		0% for 23 months reverting to 21.9%	1.99%	0% for 3 months reverting to 21.9%	£0	21.9% APR (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).	Read review	Compare	loading Fetching your data...
MBNA 0% Transfer and Purchase Credit Card		0% for 20 months reverting to 21.93%	2.99% for 2 months reverting to 5%	0% for 20 months reverting to 21.93%	£0	21.9% 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 21.93% (variable) p.a., your representative rate is 21.9% APR (variable).	Read review	Compare	loading Fetching your data...
Virgin Money 26 Month Balance Transfer Credit Card Mastercard		0% for 26 months reverting to 21.9%	1.25% for 2 months reverting to 5%	0% for 3 months reverting to 21.9%	£0	21.9% APR (variable)	Enjoy exclusive offers and rewards on the Virgin Red app. Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	Read review	Compare	loading Fetching your data...
Sainsbury’s Bank No Balance Transfer Fee Credit Card		0% for 18 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 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 3 Nectar points per £1 spent in Sainsbury's and Argos. Earn 1 Nectar point for every £5 spent elsewhere. 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 18 months reverting to 21.94%	2.99% for 3 months reverting to 5%	0% for 21 months reverting to 21.94%	£0	21.9% APR (variable)	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).	Read review	Compare	loading Fetching your data...
Barclaycard Platinum All-Rounder Visa		0% for 18 months reverting to 21.9%	2.9% for 2 months reverting to 3%	0% for 20 months reverting to 21.9%	£0	21.9% 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 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	Read review	Compare	loading Fetching your data...
Barclaycard Platinum 15 Month No Fee Balance Transfer Visa		0% for 15 months reverting to 21.9%	0% for 2 months reverting to 1%	0% for 6 months reverting to 21.9%	£0	21.9% 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 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	Read review	Compare	loading Fetching your data...
Sainsbury's Bank Dual Offer Credit Card Mastercard		0% for 19 months reverting to 21.95%	3% (min. £3)	0% for 19 months reverting to 21.95%	£0	21.9% APR (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 3 Nectar points per £1 spent in Sainsbury's and Argos. Earn 1 Nectar point for every £5 spent elsewhere. 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...
Virgin Money 19 Month All Round Credit Card Mastercard		0% for 19 months reverting to 21.9%	2.9% for 2 months reverting to 5%	0% for 19 months reverting to 21.9%	£0	21.9% APR (variable)	Enjoy exclusive offers and rewards on the Virgin Red app. Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	Read review	Compare	loading Fetching your data...
Virgin Money 29 Month Balance Transfer Credit Card Mastercard		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% APR (variable)	Enjoy exclusive offers and rewards on the Virgin Red app. 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).	Read review	Compare	loading Fetching your data...
MBNA Low Fee 0% Balance Transfer Credit Card		0% for 26 months reverting to 21.93%	1% for 2 months reverting to 5%	21.93%	£0	21.9% 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 21.93% (variable) p.a., your representative rate is 21.9% APR (variable).	Read review	Compare	loading Fetching your data...
NatWest Longer Balance Transfer Credit Card Mastercard		0% for 23 months reverting to 21.9%	1.99%	0% for 3 months reverting to 21.9%	£0	21.9% APR (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).	Read review	Compare	loading Fetching your data...
TSB Platinum Purchase Card		0% for 15 months reverting to 21.95%	1.45% for 3 months reverting to 5%	0% for 15 months reverting to 21.95%	£0	21.9% APR (variable)	Representative example: When you spend £1,200 at a rate of 19.95% (variable) per annum, your representative APR is 19.9% 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 21.93%	2.99% for 3 months reverting to 5%	0% for 17 months reverting to 21.93%	£0	21.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 21.93% (variable) p.a., your representative rate is 21.9% APR (variable).	Read review	Compare	loading Fetching your data...
Halifax 0% Purchase and Balance Transfer Mastercard		0% for 17 months reverting to 21.93%	2.99% for 3 months reverting to 5%	0% for 17 months reverting to 21.93%	£0	21.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 21.93% (variable) p.a., your representative rate is 21.9% APR (variable).	Read review	Compare	loading Fetching your data...
IHG Rewards Club Credit Card Mastercard		0% for 12 months reverting to 22.9%	3% (min. £3)	22.9%	£0	22.9% APR (variable)	Receive 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 and 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).	Read review	Compare	loading Fetching your data...
MBNA Long 0% Money Transfer Credit Card		0% for 12 months reverting to 22.93%	4% for 2 months reverting to 5%	22.93%	£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 22.93% (variable) p.a., your representative rate is 22.9% APR (variable).	Read review	Compare	loading Fetching your data...
Virgin Money 12 Month All Round Credit Card Mastercard		0% for 12 months reverting to 27.9%	2.9% for 2 months reverting to 5%	0% for 12 months reverting to 27.9%	£0	27.9% APR (variable)	Enjoy exclusive offers and rewards on the Virgin Red app. Representative example: When you spend £1,200 at a purchase rate of 27.9% (variable) p.a., your representative rate is 27.9% APR (variable).	Read review	Compare	loading Fetching your data...
Virgin Money 16 Month Balance Transfer Credit Card Mastercard		0% for 16 months reverting to 27.9%	3% for 2 months reverting to 5%	0% for 3 months reverting to 27.9%	£0	27.9% APR (variable)	Enjoy exclusive offers and rewards on the Virgin Red app. Representative example: When you spend £1,200 at a purchase rate of 27.9% (variable) p.a., your representative rate is 27.9% 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 reverting to 3% (min. £5)	0% for 18 months reverting to 18.9%	£15 per month	49.8% APR (variable)	0.5% cashback on £1 to £3000 of monthly spend. Maximum of £15 cashback paid per month. Cashback paid monthly into card account. 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...

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Name	Product	Purchases	Balance transfers	Annual/monthly fees	Representative APR	Incentive	Link
Santander All in One Credit Card		0% for 20 months reverting to 17.9%	0% for 26 months (0% fee)	£3 per month	23.7% APR (variable)	0.5% cashback 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 17.9% (variable) p.a. with a fee of £3 per month, your representative rate is 23.7% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
M&S Bank Shopping Plus Credit Card		0% for 20 months reverting to 21.9%	0% for 20 months (2.9% fee)	£0	21.9% APR (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 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
HSBC Purchase Plus Credit Card Visa		0% for 18 months reverting to 22.9%	0% for 18 months (2.9% fee)	£0	22.9% 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 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
M&S Bank Reward Plus Mastercard		0% for 6 months reverting to 19.9%	0% for 6 months (2.9% fee)	£0	19.9% APR (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 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).	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 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 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...
Sainsbury's Bank Nectar Dual Offer Credit Card Mastercard		0% for 21 months reverting to 20.95%	0% for 21 months (3% fee)	£0	20.9% APR (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 3 Nectar points per £1 spent in Sainsbury's and Argos. 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).	Read review	Compare	loading Fetching your data...
Lloyds Bank Platinum 0% Purchase and Balance Transfer Mastercard		0% for 21 months reverting to 21.94%	0% for 18 months (2.99% fee)	£0	21.9% APR (variable)	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).	Read review	Compare	loading Fetching your data...
Tesco Bank Purchases Card		0% for 20 months reverting to 20.94%	0% for 3 months (2.99% fee)	£0	20.9% 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 20.94% (variable) p.a., your representative rate is 20.9% APR (variable).	Read review	Compare	loading Fetching your data...
MBNA 0% Transfer and Purchase Credit Card		0% for 20 months reverting to 21.93%	0% for 20 months (2.99% fee)	£0	21.9% 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 21.93% (variable) p.a., your representative rate is 21.9% APR (variable).	Read review	Compare	loading Fetching your data...
Barclaycard Platinum All-Rounder Visa		0% for 20 months reverting to 21.9%	0% for 18 months (2.9% fee)	£0	21.9% 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 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	Read review	Compare	loading Fetching your data...
Virgin Money 19 Month All Round Credit Card Mastercard		0% for 19 months reverting to 21.9%	0% for 19 months (2.9% fee)	£0	21.9% APR (variable)	Enjoy exclusive offers and rewards on the Virgin Red app. Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	Read review	Compare	loading Fetching your data...
Sainsbury's Bank Dual Offer Credit Card Mastercard		0% for 19 months reverting to 21.95%	0% for 19 months (3% fee)	£0	21.9% APR (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 3 Nectar points per £1 spent in Sainsbury's and Argos. Earn 1 Nectar point for every £5 spent elsewhere. 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...
Tesco Bank Clubcard Balance Transfer and Purchases Credit Card		0% for 18 months reverting to 20.94%	0% for 18 months (2.99% fee)	£0	20.9% 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. 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 20.94% (variable) p.a., your representative rate is 20.9% APR (variable).		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% cashback on £1 to £3000 of monthly spend. Maximum of £15 cashback paid per month. Cashback paid monthly into card account. 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 Nectar Reward Credit Card		0% for 17 months reverting to 20.95%	0% for 17 months (3% fee)	£0	20.9% APR (variable)	Earn 10,000 Nectar points if £400 spent at Sainsbury's, Argos or Tu Clothing during first two months of opening. Earn up to 3 Nectar points per £1 spent at Sainsbury's and Argos. 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).	Read review	Compare	loading Fetching your data...
Halifax 0% Purchase and Balance Transfer Mastercard		0% for 17 months reverting to 21.93%	0% for 17 months (2.99% fee)	£0	21.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 21.93% (variable) p.a., your representative rate is 21.9% APR (variable).	Read review	Compare	loading Fetching your data...
first direct Gold Credit Card		0% for 17 months reverting to 16.9%	16.9% (2.9% 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 21.93%	0% for 17 months (2.99% fee)	£0	21.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 21.93% (variable) p.a., your representative rate is 21.9% 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	21.9% APR (variable)	Representative example: When you spend £1,200 at a rate of 19.95% (variable) per annum, your representative APR is 19.9% APR (variable).	Read review	Compare	loading Fetching your data...
Nationwide Member Credit Card All Rounder Offer		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...
Virgin Money 12 Month All Round Credit Card Mastercard		0% for 12 months reverting to 27.9%	0% for 12 months (2.9% fee)	£0	27.9% APR (variable)	Enjoy exclusive offers and rewards on the Virgin Red app. Representative example: When you spend £1,200 at a purchase rate of 27.9% (variable) p.a., your representative rate is 27.9% APR (variable).	Read review	Compare	loading Fetching your data...
Virgin Money Travel Credit Card		0% for 9 months reverting to 21.9%	0% for 9 months (2% fee)	£0	21.9% APR (variable)	Enjoy exclusive offers and rewards on the Virgin Red app. Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	Read review	Compare	loading Fetching your data...
Lloyds Bank Platinum Low Fee 0% Balance Transfer Mastercard		0% for 9 months reverting to 21.94%	0% for 22 months (1.99% fee)	£0	21.9% APR (variable)	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).	Read review	Compare	loading Fetching your data...
John Lewis and Waitrose Partnership Mastercard		0% for 9 months reverting to 18.9%	0% for 18 months (2.9% fee)	£0	18.9% APR (variable)	Earn 5 points for every £4 spent in store or online at John Lewis, Waitrose and John Lewis Insurance. Earn 1 Point for every £4 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).	Read review	Compare	loading Fetching your data...
HSBC Premier Credit Card		0% for 9 months reverting to 18.9%	0% for 18 months (1.4% fee)	£0	18.9% APR (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).	Read review	Compare	loading Fetching your data...
Halifax Low Fee 0% Balance Transfer Credit Card		0% for 9 months reverting to 21.93%	0% for 28 months (2.69% fee)	£0	21.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 21.93% (variable) p.a., your representative rate is 21.9% APR (variable).	Read review	Compare	loading Fetching your data...
Bank of Scotland Platinum Low Fee 0% Balance Transfer credit card		0% for 9 months reverting to 21.93%	0% for 22 months (1.99% fee)	£0	21.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 21.93% (variable) p.a., your representative rate is 21.9% APR (variable).	Read review	Compare	loading Fetching your data...
HSBC Rewards Credit Card		0% for 6 months reverting to 21.9%	0% for 6 months (2% fee)	£0	21.9% APR (variable)	Earn up to 10 points for every £1 spent at selected retailers and 1 point for every £5 spent elsewhere. 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).	Read review	Compare	loading Fetching your data...
Barclaycard Platinum 24 Month Balance Transfer Credit Card		0% for 6 months reverting to 21.9%	0% for 24 months (1% fee)	£0	21.9% 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 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	Read review	Compare	loading Fetching your data...
Barclaycard Platinum 15 Month No Fee Balance Transfer Visa		0% for 6 months reverting to 21.9%	0% for 15 months (0% fee)	£0	21.9% 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 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	Read review	Compare	loading Fetching your data...
Barclaycard Business Premium Plus Credit Card Mastercard		0% for 6 months reverting to 14.9%	N/A	£150 per annum	49.4% APR (variable)	0.5% after £1 of yearly spend. Maximum of £400 cashback paid per year. Cashback paid Anniversary into Card Account. If less than £10 Cashback earned in any Cashback Year, it will not be credited to the account and will not be carried forward to the following year. Representative example: When you spend £1,200 at a purchase rate of 14.9% (variable) p.a. with a fee of £150 per annum, your representative rate is 49.4% 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
Aqua Classic Credit Card		£0	Min. limit £250, max. limit £1,200.	Not specified	32.9%	Representative example: Assumed credit limit £1,200, representative 32.9% APR (variable), purchase rate 32.94% 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	Check eligibility 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	Check eligibility	Compare	loading Fetching your data...
Tesco Bank Foundation Card		£0	Min. limit £100, max. limit not specified.	£5000	27.5%	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 27.542% (variable) p.a., your representative rate is 27.5% 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 £250, 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...
Vanquis Bank Aquis Visa		£0	Min. limit £250, max. limit £1,000.	Not specified	29.8%	You could get a credit limit increase after your 5th statement and further increases every 5 months, up to £4,000. Representative example: When you spend £1,000 at a purchase rate of 29.84% (variable) p.a., your representative rate is 29.8% APR (variable).	Read review	Compare	loading Fetching your data...
HSBC Classic Credit Card Visa		£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...
Amazon Classic Mastercard		£0	Min. limit £500, max. limit not specified.	Not specified	29.9%	Be upgraded to the Amazon Platinum Mastercard if you make at least one transaction a month, make repayments on time and stay within credit limit in the first 12 months.. 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...
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...
Marbles Classic Credit 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: 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...
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...
Post Office Money® Classic Credit Card Mastercard		£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...
Aqua Advance credit card		£0	Min. limit £250, max. limit £1,200.	Not specified	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...
Fluid Credit Card		£0	Min. limit £250, max. limit not specified.	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...
Zopa Credit Card Visa		£0	Min. limit £200, max. limit not specified.	£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...
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...
Capital One Luma 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...
Vanquis Bank Visa		£0	Min. limit £150, max. limit £1,500.	Not specified	39.9%	Representative example: When you spend £1,000 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...
thinkmoney credit card		£0	Min. limit £200, max. limit £1,500.	Not specified	39.9%	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...
Ocean Credit Card		£0	Min. limit £200, max. limit £1,500.	Not specified	39.9%	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...
opus card		£0	Min. limit £250, max. limit not specified.	Not specified	39.9%	Representative example: When you spend £1,200 at a purchase rate of 39.95% (variable) p.a., your representative rate is 39.9% APR (variable).	Read review	Compare	loading Fetching your data...
thimbl. credit card		£0	Min. limit £150, max. limit £1,000.	Not specified	39.9%	Representative example: When you spend £1,000 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...
Cashplus Credit Card		£0	Min. limit £100, max. limit £3,000.	Not specified	49.9%	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...
Origin Credit Card		£0	Min. limit £150, max. limit £1,500.	Not specified	59.9%	Representative example: When you spend £250 at a purchase rate of 59.94% (variable) p.a., your representative rate is 59.9% 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.