Compare first direct credit cards for March 2020

Part of the HSBC banking group, first direct was set up in 1989, and claims to be the only UK bank which has enjoyed such a long period of providing service to its customers 24 hours a day, 7 days a week. It offers the full range of financial products – savings, mortgages and insurance – that you’d find at a high street bank, but without the overheads.

first direct’s outlook is decidedly unstuffy and forward-thinking, with its marketing and publicity aimed squarely at a younger audience, and security measures that include voice recognition.

Compare first direct credit cards

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Name	Product	Purchases	Balance transfers	Annual/monthly fees	Rep. APR		Incentive	Representative example
first direct Gold Card Visa		0% for 17 months reverting to 16.9%	16.9%	£0	16.9% (variable)	More Info	Earn cashback with selected retailers via Visa Offers, customers can register up to five separate first direct Visa cards.	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).	Compare	loading Fetching your data...
first direct Credit Card Visa		18.9%	0% for 27 months reverting to 18.9%	£0	18.9% (variable)	More Info	Earn cashback with selected retailers via Visa Offers, customers can register up to five separate first direct Visa cards.	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).	Compare	loading Fetching your data...

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What types of credit card does first direct offer?

first direct’s card range is small but perfectly-formed, with just two cards. Both are exclusively available to first direct current account holders.

• 0% balance transfers

  Got an outstanding balance with another bank? That needn’t stop you switching. This type of card allows you to transfer a balance (as the name suggests) to first direct, and enjoy a lengthy period of 0% interest on it. If you do this, you should aim to clear the balance before the end of the 0% period, otherwise a much higher rate kicks in. Work out what you should pay each month by dividing the outstanding sum by the number of months at a 0% rate, and aim not to use the card for spending.
  Learn more about 0% balance transfer cards

• 0% purchases

  If you’re planning to make major purchases on your card, a 0% interest on purchases card effectively lets you spread the cost over a number of months (providing the purchase is within the credit limit that first direct gives you). Remember that if you only make the minimum required payments each month, you’ll have an outstanding balance when the 0% period ends, and a much higher rate will kick in.
  Learn more about 0% purchase cards

Both cards have no annual fee attached, and offer the chance to earn cashback on specific purchases through the separately-administered Visa Offers programme. The cards are Apple Pay and Google Pay-compatible.

How do first direct cards compare against others on the market?

Here are some popular cards offering 0% on balance transfers and purchases.

• Balance Transfer Cards
• 0% Purchase Cards

The cards below are sorted by their representative APRs, and the length of their 0% on balance transfers offer period, but if you’re interested in comparing the cards by a different feature, you can re-order the table.

Updated March 29th, 2020

Sort by:

Name	Product	Balance transfers	Balance transfer fee	Purchases	Annual/monthly fees	Rep. APR		Incentive	Representative example
The NatWest Balance Transfer Credit Card (eligibility criteria apply)		0% for 20 months reverting to 19.9%.	0% Transfers must be made within 3 months of account opening	0% for 3 months reverting to 19.9% p.a. (variable)	£0	19.9% (variable)	Go to site More Info		Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable), your representative rate is 19.9% APR (variable).	Compare	loading Fetching your data...
The Royal Bank Balance Transfer Credit Card (eligibility criteria apply)		0% for 20 months reverting to 19.9%	0% Transfers must be made within 3 months of account opening	0% for 3 months reverting to 19.9% p.a. (variable)	£0	19.9% (variable)	Go to site More Info		Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable), your representative rate is 19.9% APR (variable).	Compare	loading Fetching your data...
first direct Credit Card Visa		0% for 27 months reverting to 18.9%	2.29% (min. £5) for 3 months reverting to 2.9% (min. £5)	18.9%	£0	18.9% (variable)	More Info		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).	Compare	loading Fetching your data...
Santander Everyday Credit Card Mastercard		0% for 18 months reverting to 18.9%	0% for 18 months reverting to 3% (min. £5)	0% for 3 months reverting to 18.9%	£0	18.9% (variable)	More Info		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).	Compare	loading Fetching your data...
HSBC Premier Credit Card Mastercard		0% for 18 months reverting to 18.9%	1.4% (min. £5)	0% for 9 months reverting to 18.9%	£0	18.9% (variable)	More Info	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).	Compare	loading Fetching your data...
John Lewis and Waitrose Partnership Mastercard		0% for 18 months reverting to 18.9%	2.9% (min. £5)	0% for 9 months reverting to 18.9%	£0	18.9% (variable)	More Info	Earn 1 point for every £1 spent in store or online at John Lewis, Waitrose and John Lewis Insurance. Earn 1 Point for every £2 spent elsewhere. Earn double points on selected insurances taken out through John Lewis Financial Services. Vouchers issued once customer reaches 500 points in Feb, Jun or Oct when vouchers are automatically issued to customers. Every 500 points is worth £5.	Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).	Compare	loading Fetching your data...
Halifax Longest 0% Balance Transfer Mastercard		0% for 29 months reverting to 19.95%	3% (min. £3)	0% for 3 months reverting to 19.95%	£0	19.9% (variable)	More Info		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).	Compare	loading Fetching your data...
Tesco Bank Clubcard Credit Card for 26 Months Balance Transfer Mastercard		0% for 26 months reverting to 21.814%	2.98% for 26 months reverting to 3.99% (min. £3)	19.944%	£0	19.9% (variable)	More Info	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).	Compare	loading Fetching your data...
Halifax Low Fee 0% Balance Transfer Mastercard		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%	£0	19.9% (variable)	More Info		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).	Compare	loading Fetching your data...
TSB Platinum 20 Month Purchase Mastercard		0% for 20 months reverting to 19.95%	2.95% for 3 months reverting to 3%	0% for 20 months reverting to 19.95%	£0	19.9% (variable)	More Info		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).	Compare	loading Fetching your data...
M&S Bank Transfer Plus Mastercard		0% for 28 months reverting to 19.9%	2.85% (min. £5)	0% for 6 months reverting to 19.9%	£0	19.9% (variable)	More Info	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).	Compare	loading Fetching your data...
Sainsbury's Bank Balance Transfer Credit Card Mastercard		0% for 29 months reverting to 19.95%	2.74% (min. £3) for 3 months reverting to 3% (min. £3)	0% for 3 months reverting to 19.95%	£0	19.9% (variable)	More Info	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).	Compare	loading Fetching your data...
Lloyds Bank Platinum No Fee 0% Balance Transfer Mastercard		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%	£0	19.9% (variable)	More Info		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).	Compare	loading Fetching your data...
Tesco Bank Clubcard Credit Card for 28 Months Money Transfer Mastercard		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%	£0	19.9% (variable)	More Info	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).	Compare	loading Fetching your data...
Halifax 0% Purchase and Balance Transfer Mastercard		0% for 20 months reverting to 19.95%	3% (min. £3)	0% for 20 months reverting to 19.95%	£0	19.9% (variable)	More Info		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).	Compare	loading Fetching your data...
M&S Bank Shopping Plus Mastercard		0% for 20 months reverting to 19.9%	2.9% (min. £5)	0% for 20 months reverting to 19.9%	£0	19.9% (variable)	More Info	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).	Compare	loading Fetching your data...
Lloyds Bank Platinum 0% Purchase and Balance Transfer Mastercard		0% for 20 months reverting to 19.94%	3% (min. £3)	0% for 20 months reverting to 19.94%	£0	19.9% (variable)	More Info		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).	Compare	loading Fetching your data...
Ulster Bank Balance Transfer Credit Card Mastercard		0% for 20 months reverting to 19.9%	0%	0% for 3 months reverting to 19.9%	£0	19.9% (variable)	More Info		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).	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% (variable)	More Info		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).	Compare	loading Fetching your data...
TSB Platinum 28 Month Balance Transfer Mastercard		0% for 28 months reverting to 19.95%	2.95% for 3 months reverting to 3%	0% for 3 months reverting to 19.95%	£0	19.9% (variable)	More Info		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).	Compare	loading Fetching your data...
Bank of Scotland Platinum 0% Purchase and Balance Transfer Mastercard		0% for 20 months reverting to 19.95%	3% (min. £3)	0% for 20 months reverting to 19.95%	£0	19.9% (variable)	More Info		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).	Compare	loading Fetching your data...
Bank of Ireland UK Matched Mastercard		0% for 24 months reverting to 19.9%	2.49%	0% for 24 months reverting to 19.9%	£0	19.9% (variable)	More Info		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).	Compare	loading Fetching your data...
Lloyds Bank Platinum Longest 0% Balance Transfer Mastercard		0% for 28 months reverting to 19.94%	3% (min. £3)	0% for 6 months reverting to 19.94%	£0	19.9% (variable)	More Info		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).	Compare	loading Fetching your data...
Lloyds Bank Platinum Low Fee 0% Balance Transfer Mastercard		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%	£0	19.9% (variable)	More Info		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).	Compare	loading Fetching your data...
Halifax No Fee 0% Balance Transfer Mastercard		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%	£0	19.9% (variable)	More Info		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).	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% (variable)	More Info		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).	Compare	loading Fetching your data...
Bank of Scotland Platinum Low Fee 0% Balance Transfer Mastercard		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%	£0	19.9% (variable)	More Info		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).	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% (variable)	More Info		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).	Compare	loading Fetching your data...
MBNA 0% Transfer and Purchase Credit Card		0% for 26 months reverting to 20.93%	2.89% for 2 months reverting to 5%	0% for 26 months reverting to 20.93%	£0	20.9% (variable)	More Info		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).	Compare	loading Fetching your data...
MBNA Long 0% Balance Transfer Credit Card		0% for 29 months reverting to 20.93%	2.75% for 2 months reverting to 5%	20.93%	£0	20.9% (variable)	More Info		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).	Compare	loading Fetching your data...
MBNA Low Fee 0% Balance Transfer Credit Card		0% for 26 months reverting to 20.93%	1% for 2 months reverting to 5%	20.93%	£0	20.9% (variable)	More Info		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).	Compare	loading Fetching your data...
Sainsbury's Bank No Balance Transfer Fee Credit Card Mastercard		0% for 16 months reverting to 20.95%	0% for transfers made within 3 months	0% for 3 months reverting to 20.95%	£0	20.9% (variable)	More Info	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).	Compare	loading Fetching your data...
Sainsbury's Bank Dual Offer Credit Card Mastercard		0% for 27 months reverting to 20.95%	3% (min. £3)	0% for 27 months reverting to 20.95%	£0	20.9% (variable)	More Info	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).	Compare	loading Fetching your data...
Sainsbury's Bank Low Balance Transfer Fee Credit Card Mastercard		0% for 26 months reverting to 20.95%	0.62% (min. £3) for 3 months reverting to 1% (min. £3)	0% for 3 months reverting to 20.95%	£0	20.9% (variable)	More Info	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).	Compare	loading Fetching your data...
Santander All in One Credit Card Mastercard		0% for 26 months reverting to 15.9%	0% for 26 months reverting to 3% (min. £5)	0% for 26 months reverting to 15.9%	£3 per month	21.7% (variable)	More Info		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).	Compare	loading Fetching your data...
Barclaycard Platinum All-Rounder Visa		0% for 27 months reverting to 21.9%	2.7% for transfers in first 60 days	0% for 27 months reverting to 21.9%	£0	21.9% (variable)	More Info		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).	Compare	loading Fetching your data...
Virgin Money 23 Month All Round Credit Card Mastercard		0% for 23 months reverting to 21.9%	2.9% for 2 months reverting to 5%	0% for 20 months reverting to 21.9%	£0	21.9% (variable)	More Info		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).	Compare	loading Fetching your data...
Barclaycard Platinum 20 Month Purchase and Balance Transfer Visa		0% for 20 months reverting to 21.9%	2.7% for transfers in first 60 days	0% for 20 months reverting to 21.9%	£0	21.9% (variable)	More Info		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).	Compare	loading Fetching your data...
Virgin Money 12 Month Travel Credit Card Mastercard		0% for 12 months reverting to 21.9%	2% for 2 months reverting to 5%	0% for 12 months reverting to 21.9%	£0	21.9% (variable)	More Info		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).	Compare	loading Fetching your data...
HSBC Balance Transfer Credit Card Visa		0% for 25 months reverting to 21.9%	1.5% (min. £5)	0% for 3 months reverting to 21.9%	£0	21.9% (variable)	More Info		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).	Compare	loading Fetching your data...
Virgin Money 27 Month Balance Transfer Credit Card Mastercard		0% for 27 months reverting to 21.9%	1.45% for 2 months reverting to 5%	0% for 3 months reverting to 21.9%	£0	21.9% (variable)	More Info		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).	Compare	loading Fetching your data...
Laura Ashley Mastercard		0% for 12 months reverting to 21.94%	5%	0% for 3 months reverting to 21.94%	£0	21.9% (variable)	More Info	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).	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% (variable)	More Info		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).	Compare	loading Fetching your data...
Virgin Money 20 Month Purchase Credit Card Mastercard		0% for 12 months reverting to 21.9%	2% for 2 months reverting to 5%	0% for 20 months reverting to 21.9%	£0	21.9% (variable)	More Info		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).	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% (variable)	More Info		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).	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% (variable)	More Info	Receive an additional 10,000 IHG Rewards Club bonus points when £500 or more spent within first 90 days of opening until 31.3.20. 1 IHG Rewards Club point for every £1 spent in the UK. 2 IHG Rewards Club points for every £1 spent at any IHG location in the UK. 2 IHG Rewards Club points for every £1 spent abroad.	Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).	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% (variable)	More Info		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).	Compare	loading Fetching your data...
Debenhams Mastercard		0% for 12 months reverting to 24.94%	2.99% for 12 months reverting to 5%	24.94%	£0	24.9% (variable)	More Info	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).	Compare	loading Fetching your data...
Capital One Balance Transfer Mastercard		0% for 12 months reverting to 24.93%	2.9%	0% for 3 months reverting to 24.93%	£0	24.9% (variable)	More Info		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).	Compare	loading Fetching your data...
Lloyds Bank (Branch) Classic Mastercard		0% for 16 months reverting to 27.95%	3% (min. £3)	0% for 6 months reverting to 27.95%	£0	27.9% (variable)	More Info		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).	Compare	loading Fetching your data...
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%	£0	27.9% (variable)	More Info		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).	Compare	loading Fetching your data...
Virgin Money 20 Month All Round Credit Card Mastercard		0% for 20 months reverting to 27.9%	2.9% for 2 months reverting to 5%	0% for 17 months reverting to 27.9%	£0	27.9% (variable)	More Info		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).	Compare	loading Fetching your data...
Virgin Money 24 Month Balance Transfer Credit Card Mastercard		0% for 24 months reverting to 27.9%	3% for 2 months reverting to 5%	0% for 3 months reverting to 27.9%	£0	27.9% (variable)	More Info		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).	Compare	loading Fetching your data...
Bank of Scotland Classic Mastercard		0% for 16 months reverting to 27.95%	3% (min. £3)	0% for 6 months reverting to 27.95%	£0	27.9% (variable)	More Info		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).	Compare	loading Fetching your data...
IHG Rewards Club Premium Credit Card Mastercard		0% for 12 months reverting to 22.9%	3% (min. £3)	22.9%	£99 per annum	45.1% (variable)	More Info	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).	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% (variable)	More Info		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).	Compare	loading Fetching your data...

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The cards below are sorted by their representative APRs, and the length of their 0% on purchases offer period, but if you’re interested in comparing the cards by a different feature, you can re-order the table.

Updated March 29th, 2020

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Name	Product	Purchases	Balance transfers	Annual/monthly fees	Rep. APR		Incentive	Representative example
Barclaycard Platinum All-Rounder Visa		0% for 27 months reverting to 21.9%	0% for 27 months reverting to 21.9%	£0	21.9% (variable)	More Info	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 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	Compare	loading Fetching your data...
Sainsbury's Bank Dual Offer Credit Card Mastercard		0% for 27 months reverting to 20.95%	0% for 27 months reverting to 20.95%	£0	20.9% (variable)	More Info	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).	Compare	loading Fetching your data...
Santander All in One Credit Card Mastercard		0% for 26 months reverting to 15.9%	0% for 26 months reverting to 15.9%	£3 per month	21.7% (variable)	More Info	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 15.9% (variable) p.a. with a fee of £3 per month, your representative rate is 21.7% APR (variable).	Compare	loading Fetching your data...
MBNA 0% Transfer and Purchase Credit Card		0% for 26 months reverting to 20.93%	0% for 26 months reverting to 20.93%	£0	20.9% (variable)	More Info	Introductory 0% purchase offer only applies to purchases made within 60 days of opening.	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).	Compare	loading Fetching your data...
Bank of Ireland UK Matched Mastercard		0% for 24 months reverting to 19.9%	0% for 24 months reverting to 19.9%	£0	19.9% (variable)	More Info		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).	Compare	loading Fetching your data...
Tesco Bank Clubcard Credit Card Purchases Mastercard		0% for 22 months reverting to 19.944%	0% for 3 months reverting to 21.814%	£0	19.9% (variable)	More Info	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).	Compare	loading Fetching your data...
Virgin Money 23 Month All Round Credit Card Mastercard		0% for 20 months reverting to 21.9%	0% for 23 months reverting to 21.9%	£0	21.9% (variable)	More Info	Earn cashback when you shop online with over 500 top brands with Virgin Money Back.	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).	Compare	loading Fetching your data...
Bank of Scotland Platinum 0% Purchase and Balance Transfer Mastercard		0% for 20 months reverting to 19.95%	0% for 20 months reverting to 19.95%	£0	19.9% (variable)	More Info		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).	Compare	loading Fetching your data...
Barclaycard Platinum 20 Month Purchase and Balance Transfer Visa		0% for 20 months reverting to 21.9%	0% for 20 months reverting to 21.9%	£0	21.9% (variable)	More Info	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 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	Compare	loading Fetching your data...
Sainsbury's Bank Purchase Credit Card Mastercard		0% for 20 months reverting to 20.95%	0% for 3 months reverting to 20.95%	£0	20.9% (variable)	More Info	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).	Compare	loading Fetching your data...
Halifax 0% Purchase and Balance Transfer Mastercard		0% for 20 months reverting to 19.95%	0% for 20 months reverting to 19.95%	£0	19.9% (variable)	More Info		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).	Compare	loading Fetching your data...
Lloyds Bank Platinum 0% Purchase and Balance Transfer Mastercard		0% for 20 months reverting to 19.94%	0% for 20 months reverting to 19.94%	£0	19.9% (variable)	More Info		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).	Compare	loading Fetching your data...
M&S Bank Shopping Plus Mastercard		0% for 20 months reverting to 19.9%	0% for 20 months reverting to 19.9%	£0	19.9% (variable)	More Info	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).	Compare	loading Fetching your data...
Virgin Money 20 Month Purchase Credit Card Mastercard		0% for 20 months reverting to 21.9%	0% for 12 months reverting to 21.9%	£0	21.9% (variable)	More Info	Earn cashback when you shop online with over 500 top brands with Virgin Money Back.	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).	Compare	loading Fetching your data...
TSB Platinum 20 Month Purchase Mastercard		0% for 20 months reverting to 19.95%	0% for 20 months reverting to 19.95%	£0	19.9% (variable)	More Info		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).	Compare	loading Fetching your data...
HSBC Purchase Plus Credit Card Visa		0% for 18 months reverting to 22.9%	0% for 18 months reverting to 22.9%	£0	22.9% (variable)	More Info	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).	Compare	loading Fetching your data...
Tesco Bank Clubcard Plus Credit Card Mastercard		0% for 18 months reverting to 19.944%	21.814%	£0	37.7% (variable)	More Info	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., your representative rate is 37.7% APR (variable).	Compare	loading Fetching your data...
Santander World Elite Mastercard		0% for 18 months reverting to 18.9%	0% for 18 months reverting to 18.9%	£15 per month	49.8% (variable)	More Info	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).	Compare	loading Fetching your data...
first direct Gold Card Visa		0% for 17 months reverting to 16.9%	16.9%	£0	16.9% (variable)	More Info	Earn cashback with selected retailers via Visa Offers, customers can register up to five separate first direct Visa cards.	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).	Compare	loading Fetching your data...
Virgin Money 20 Month All Round Credit Card Mastercard		0% for 17 months reverting to 27.9%	0% for 20 months reverting to 27.9%	£0	27.9% (variable)	More Info	Earn cashback when you shop online with over 500 top brands with Virgin Money Back.	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).	Compare	loading Fetching your data...
Virgin Money 16 Month Purchase Credit Card Mastercard		0% for 16 months reverting to 27.9%	0% for 12 months reverting to 27.9%	£0	27.9% (variable)	More Info	Earn cashback when you shop online with over 500 top brands with Virgin Money Back.	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).	Compare	loading Fetching your data...
Nationwide Member Credit Card All Rounder Offer		0% for 15 months reverting to 19.9%	0% for 15 months reverting to 19.9%	£0	19.9% (variable)	More Info		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).	Compare	loading Fetching your data...
Lloyds Bank Platinum Low Fee 0% Balance Transfer Mastercard		0% for 12 months reverting to 19.94%	0% for 24 months reverting to 19.94%	£0	19.9% (variable)	More Info		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).	Compare	loading Fetching your data...
Bank of Scotland Platinum Low Fee 0% Balance Transfer Mastercard		0% for 12 months reverting to 19.95%	0% for 24 months reverting to 19.95%	£0	19.9% (variable)	More Info		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).	Compare	loading Fetching your data...
Virgin Money 12 Month Travel Credit Card Mastercard		0% for 12 months reverting to 21.9%	0% for 12 months reverting to 21.9%	£0	21.9% (variable)	More Info	Earn cashback when you shop online with over 500 top brands with Virgin Money Back.	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).	Compare	loading Fetching your data...
Santander Zero Credit Card Mastercard		0% for 12 months reverting to 18.9%	0% for 1 months reverting to 18.9%	£0	18.9% (variable)	More Info	Retailer offers - 5 Welcome offers of up to 25% cashback at well-known retailers (must switch on Retailer Offers within 60 days of activating card).	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).	Compare	loading Fetching your data...
Halifax Low Fee 0% Balance Transfer Mastercard		0% for 12 months reverting to 19.95%	0% for 25 months reverting to 19.95%	£0	19.9% (variable)	More Info		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).	Compare	loading Fetching your data...
TSB Classic Mastercard		0% for 10 months reverting to 26.95%	0% for 10 months reverting to 26.95%	£0	26.9% (variable)	More Info		Representative example: When you spend £1,200 at a purchase rate of 26.95% (variable) p.a., your representative rate is 26.9% APR (variable).	Compare	loading Fetching your data...
John Lewis and Waitrose Partnership Mastercard		0% for 9 months reverting to 18.9%	0% for 18 months reverting to 18.9%	£0	18.9% (variable)	More Info	Earn 1 point for every £1 spent in store or online at John Lewis, Waitrose and John Lewis Insurance. Earn 1 Point for every £2 spent elsewhere. Earn double points on selected insurances taken out through John Lewis Financial Services. Vouchers issued once customer reaches 500 points in Feb, Jun or Oct when vouchers are automatically issued to customers. Every 500 points is worth £5.	Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).	Compare	loading Fetching your data...
HSBC Premier Credit Card Mastercard		0% for 9 months reverting to 18.9%	0% for 18 months reverting to 18.9%	£0	18.9% (variable)	More Info	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).	Compare	loading Fetching your data...
HSBC Rewards Credit Card		0% for 6 months reverting to 21.9%	0% for 6 months reverting to 21.9%	£0	21.9% (variable)	More Info	Earn 1 point for every £5 spent on purchases. 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).	Compare	loading Fetching your data...
Halifax No Fee 0% Balance Transfer Mastercard		0% for 6 months reverting to 19.95%	0% for 15 months reverting to 19.95%	£0	19.9% (variable)	More Info		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).	Compare	loading Fetching your data...
Bank of Ireland UK Ulster Rugby Affinity Mastercard		0% for 6 months reverting to 17.9%	0% for 6 months reverting to 17.9%	£0	17.9% (variable)	More Info	A one-off payment to Rugby Club/school of choice plus percentage of annual turnover.	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).	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% (variable)	More Info	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).	Compare	loading Fetching your data...
Lloyds Bank Platinum Longest 0% Balance Transfer Mastercard		0% for 6 months reverting to 19.94%	0% for 28 months reverting to 19.94%	£0	19.9% (variable)	More Info		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).	Compare	loading Fetching your data...
Lloyds Bank Platinum No Fee 0% Balance Transfer Mastercard		0% for 6 months reverting to 19.94%	0% for 15 months reverting to 19.94%	£0	19.9% (variable)	More Info		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).	Compare	loading Fetching your data...
M&S Bank Transfer Plus Mastercard		0% for 6 months reverting to 19.9%	0% for 28 months reverting to 19.9%	£0	19.9% (variable)	More Info	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).	Compare	loading Fetching your data...
M&S Bank Reward Plus Mastercard		0% for 6 months reverting to 19.9%	0% for 6 months reverting to 19.9%	£0	19.9% (variable)	More Info	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).	Compare	loading Fetching your data...
Lloyds Bank (Branch) Classic Mastercard		0% for 6 months reverting to 27.95%	0% for 16 months reverting to 27.95%	£0	27.9% (variable)	More Info		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).	Compare	loading Fetching your data...
Bank of Scotland Classic Mastercard		0% for 6 months reverting to 27.95%	0% for 16 months reverting to 27.95%	£0	27.9% (variable)	More Info		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).	Compare	loading Fetching your data...

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What benefits can I expect from a first direct credit card?

• Strong customer support. first direct is the original telephone bank, and 24-hour banking service is available to help you make one-off payments, or set up regular payments, or to answer any questions about your credit card account.
• Online account management. first direct’s online banking portal is the place to access a range of options and services attached to your card.
• Additional cards. Additional cards can be issued on a single account, but if you apply, you must also hold a first direct current account. With multiple users, it’s normally possible to earn cashback rewards faster.
• first direct app. If you’re registered for online banking with first direct, you can find the app in Google Play or Apple’s App Store. Use this to do lots of clever things on your first direct credit card account, including setting up one-off or regular payments.

Applying for a first direct credit card

Applying online for a first direct credit card is quick, easy and secure, and takes about 15 minutes.

Eligibility requirements

To qualify for a first direct credit card, you need to:

• Be a UK resident.
• Be over 18 years old.
• Hold a first direct current account, which you need to credit with at least £1,000 per calendar month (after the first six months of holding the account).
• Not have any outstanding County Court Judgments.
• Ensure that you can meet the monthly 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 you may not be accepted, and you are unlikely to be given a card if you have ever declared bankruptcy.

Frequently-asked questions about first direct credit cards

• Will I be charged for using a first direct credit card abroad?

  Any transactions made in any currency other than sterling will attract a standard transaction fee, which is a set percentage of the transaction amount. For overseas cash withdrawals, you may also be charged a separate fee, on a fixed percentage basis, but subject to a minimum charge.

• How can I keep track of my account?

  As a fully online bank, first direct lets you carry out the full range of transactions and do much more with your credit card account online, or via its 24-hour phone banking service.

• Is there a minimum income requirement?

  You have to pay at least £1,000 per month into a first direct current account.

• I have a first direct Mastercard credit card, how can I access Priceless Cities?

  All Mastercard credit cardholders are entitled to use their Priceless Cities rewards programme which offers access to exclusive experiences and discounts.

• What credit card services can I use through the first direct online banking app?

  Amongst other things, the app lets you do the following:

  • View your balances and most recent transactions.
  • Create new payments to people and companies.
  • Make payments to people and companies you’ve paid before.
  • Make a payment to your credit card account.
  • Set up, view, amend amounts of and cancel standing orders on your accounts.