MBNA Credit Cards

Part of Lloyds Bank Group, MNBA is frequently to be found battling it out for the longest 0% balance transfer and 0% purchase offers on the market.

MBNA’s range of cards is designed fit a range of needs. As well as the headline-grabbing transfer and purchase offers, many of its cards boast competitive default rates that the cards revert to when offer periods expire. So whether or not you’re a card user who jumps from offer to offer, MBNA could have an option for you.

MBNA cards are issued on the MasterCard or Visa networks, so they can be used at tens of millions of merchants and ATMs around the world.

Compare MBNA credit cards

Updated May 20th, 2019

Sort by:

Name	Product	Purchases	Balance transfers	Annual/monthly fees	Rep. APR		Incentive	Representative example
MBNA Low Rate Credit Card Mastercard		4.9% for 48 months reverting to 8.9%	4.9% for 48 months reverting to 8.9%	£0	8.9%	More Info		Representative example: When you spend £1,200 at a purchase rate of 8.9% (variable) p.a., your representative rate is 8.9% APR (variable).	Compare	loading Fetching your data...
MBNA Limited Long 0% Balance Transfer Mastercard		19.93%	0% for 29 months reverting to 21.93%	£0	19.9%	More Info		Representative example: When you spend £1,200 at a purchase rate of 19.93% (variable) p.a., your representative rate is 19.9% APR (variable).	Compare	loading Fetching your data...
MBNA Limited Long 0% Money Transfer Credit Card Mastercard		19.93%	0% for 24 months reverting to 21.93%	£0	19.9%	More Info		Representative example: When you spend £1,200 at a purchase rate of 19.93% (variable) p.a., your representative rate is 19.9% APR (variable).	Compare	loading Fetching your data...
MBNA Limited 0% Transfer and Purchase Credit Card Mastercard		0% for 27 months reverting to 20.93%	0% for 27 months reverting to 20.93%	£0	20.9%	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...

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What types of credit cards are available from MBNA?

MBNA range of cards is comprised of five main types:

• 0% Balance transfer cards

  Balance transfer cards allow you to move existing debt onto a new card and pay no interest on it for a set introductory period. You’ll normally be expected to pay a transfer fee – typically 2-3%, but in the UK’s competitive card market, some banks now offer cards with no transfer fee.
  Learn more about 0% balance transfer cards

• 0% Money transfer cards

  Want to transfer money from your credit card to your current account? MBNA offers three cards that allow you to send money from your credit card into your current account at 0% interest for a set introductory period.
  Learn more about 0% money transfer cards

• 0% Purchase cards

  If you’re planning on making a big purchase but want to spread the cost, MBNA offer a card that will charge 0% interest on purchases for a set introductory period.
  Learn more about 0% purchase cards

• Low interest

  MBNA offers credit cards with no introductory periods, just a low rate on purchases and transfers for at least five years.
  Learn more about low interest cards

• All-rounder

  If you’re looking for a card to fulfil multiple requirements – perhaps you have an outstanding balance but also anticipate making purchases on card, you might want to check out “all-rounders”. Weigh up the rates that the card will revert to after any introductory period ends, plus any fees, versus the potential savings the card will offer you.

Additional benefits of banking with MBNA

MBNA offer additional benefits to its credit card holders. Here are some of the highlights:

• Security and protection. MBNA do their best to protect your finances and ensure you’re not a victim of fraud. As well as monitoring your account 24/7 for fraudulent behaviour, they have also put in place added features to protect you online and won’t charge you for fraud liability.
• Global acceptance. With all of MBNA’s cards provided through either Visa or MasterCard you can rest assured your card will be accepted throughout the the UK and in many, many places across the world. MasterCard is the world’s fastest payment processing network and operates in more than 210 countries, while Visa is accepted in over 38 million locations.
• Mobile App. MBNA has created a snazzy app, so you can get straight to all of your credit card stuff, without any faff, while you’re on the move.
• Easy payments to your card. MBNA offers a range of options which should make keeping up with your monthly payments that bit easier – including online debit card payments, regular Direct Debit payments and (when you’re against the clock) Faster Payments.

How do MBNA’s cards hold up against the rest of the market?

• Balance Transfer Cards
• 0% Purchase Cards
• Credit Builder 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 May 20th, 2019

Sort by:

Name	Product	Balance transfers	Balance transfer fee	Purchases	Rep. APR		Incentive	Representative example
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%	19.9%	Go to site 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...
ASDA Money Cashback Credit Card Mastercard		0% for 12 months reverting to 19.9%	3% (min. £3)	19.9%	19.9%	Go to site More Info	Earn Asda vouchers every time you shop - 1% cashback on all Asda spend, 0.2% on all other transactions and 10% on selected insurance products. Once £2.5 is earnt a voucher can be downloaded to spend in Asda stores.	Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).	Compare	loading Fetching your data...
Barclaycard Platinum 28 Month Balance Transfer Visa		0% for 28 months reverting to 19.9%	1.75% for transfers in first 60 days	0% for 6 months reverting to 19.9%	19.9%	Go to site 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. Save 5% on food and drink at all UK 02 Academy venues.	Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).	Compare	loading Fetching your data...
Barclaycard Platinum No Fee Balance Transfer Visa		0% for 20 months reverting to 19.9%	0% for transfers in first 60 days	0% for 6 months reverting to 19.9%	19.9%	Go to site 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...
Barclaycard Platinum 27 Month Purchase and Balance Transfer Visa		0% for 27 months reverting to 19.9%	2.7% for transfers in first 60 days	0% for 27 months reverting to 19.9%	19.9%	Go to site 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...
Barclaycard Platinum 26 Month Balance Transfer Visa		0% for 26 months reverting to 19.9%	1.5% for transfers in first 60 days	0% for 6 months reverting to 19.9%	19.9%	Go to site 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 BS Select Credit Card Visa		0% for 12 months reverting to 15.9%	0% for 3 months reverting to 2.4% (min. £5)	0% for 12 months reverting to 15.9%	15.9%	More Info		Representative example: When you spend £1,200 at a purchase rate of 15.9% (variable) p.a., your representative rate is 15.9% APR (variable).	Compare	loading Fetching your data...
Nationwide BS Credit Card Visa		0% for 12 months reverting to 17.9%	0% for 3 months reverting to 2.4% (min. £5)	0% for 12 months reverting to 17.9%	17.9%	More Info	Customers will be able to earn commission-free purchases abroad by using their Credit Card each time they make a purchase in Sterling. The calculation will be based on a 5:1 ratio - for example, £5 spent in Sterling will earn an allowance of £1 commission free-purchases abroad. Purchases abroad beyond the earned amount will be charged 2% commission.	Representative example: When you spend £1,200 at a purchase rate of 17.9% (variable) p.a., your representative rate is 17.9% APR (variable).	Compare	loading Fetching your data...
Creation 20 Month Balance Transfer Credit Card Mastercard		0% for 20 months reverting to 18.9%	3% (min. £3)	0% for 3 months reverting to 18.9%	18.9%	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...
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%	18.9%	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. 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. Receive a £25 bonus voucher in the first 90 days of opening if £200 spent in store or online.	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...
Yorkshire Bank Gold Mastercard		0% for 12 months reverting to 11.9%	3% (min. £3)	0% for 26 months reverting to 18.9%	18.9%	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...
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%	18.9%	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...
Creation Balance Transfer Credit Card Mastercard		0% for 12 months reverting to 18.9%	5% (min. £5)	0% for 3 months reverting to 18.9%	18.9%	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) for 2 months reverting to 2.9% (min. £5)	0% for 9 months reverting to 18.9%	18.9%	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...
Clydesdale Bank Gold Mastercard		0% for 12 months reverting to 11.9%	3% (min. £3)	0% for 26 months reverting to 18.9%	18.9%	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...
Creation All Rounded Credit Card Mastercard		0% for 20 months reverting to 18.9%	3% (min. £3)	0% for 20 months reverting to 18.9%	18.9%	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...
IHG Rewards Club Credit Card Mastercard		0% for 12 months reverting to 18.9%	3% (min. £3)	18.9%	18.9%	More Info	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 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%	18.9%	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...
Lloyds Bank Online Platinum 24 Month 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%	19.9%	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 Online Platinum 28 Month Balance Transfer Mastercard		0% for 28 months reverting to 19.94%	3%	0% for 3 months reverting to 19.94%	19.9%	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 20 Month Balance Transfer Credit Card Mastercard		0% for 20 months reverting to 19.95%	0% for 3 months reverting to 3% (min. £3)	0% for 6 months reverting to 19.95%	19.9%	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 24 Month 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%	19.9%	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...
Post Office Money® Online Balance Transfer Credit Card Mastercard		0% for 25 months reverting to 19.9%	3%	0% for 3 months reverting to 19.9%	19.9%	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 12 Month All Round Clubcard Credit Card Mastercard		0% for 12 months reverting to 21.814%	0% for 12 months reverting to 3.99% (min. £3)	0% for 12 months reverting to 19.944%	19.9%	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...
MBNA Limited Long 0% Money Transfer Credit Card Mastercard		0% for 24 months reverting to 21.93%	3.45% for 2 months reverting to 5%	19.93%	19.9%	More Info		Representative example: When you spend £1,200 at a purchase rate of 19.93% (variable) p.a., your representative rate is 19.9% APR (variable).	Compare	loading Fetching your data...
Bank of Scotland Platinum 20 Month Purchase and Balance Transfer Mastercard		0% for 20 months reverting to 19.95%	3% (min. £3)	0% for 20 months reverting to 19.95%	19.9%	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%	19.9%	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 20 Month 0% Balance Transfer Fee Mastercard		0% for 20 months reverting to 21.814%	0% for 3 months reverting to 3.99%	19.944%	19.9%	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...
Bank of Scotland Platinum 20 Month Balance Transfer Mastercard		0% for 20 months reverting to 19.95%	0% for 3 months reverting to 3% (min. £3)	0% for 6 months reverting to 19.95%	19.9%	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 Online Platinum 20 Month Purchase and Balance Transfer Mastercard		0% for 20 months reverting to 19.94%	3% (min. £3)	0% for 20 months reverting to 19.94%	19.9%	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 Online Balance Transfer and Purchase Credit Card Mastercard		0% for 20 months reverting to 19.95%	3% (min. £3)	0% for 20 months reverting to 19.95%	19.9%	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...
MBNA Limited Long 0% Balance Transfer Mastercard		0% for 29 months reverting to 21.93%	2.75% for 2 months reverting to 5%	19.93%	19.9%	More Info		Representative example: When you spend £1,200 at a purchase rate of 19.93% (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%	2.69% for 28 months reverting to 3.99% (min. £3)	0% for 3 months reverting to 19.944%	19.9%	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...
Sainsbury's Bank Balance Transfer Credit Card Mastercard		0% for 29 months reverting to 19.95%	1.5% (min. £3)	0% for 3 months reverting to 19.95%	19.9%	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...
Halifax 24 Month Balance Transfer Credit Card Mastercard		0% for 24 months reverting to 19.95%	1.5% (min. £3) for 3 months reverting to 3% (min. £3)	0% for 12 months reverting to 19.95%	19.9%	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 28 Months Balance Transfer Mastercard		0% for 28 months reverting to 21.814%	2.69% for 28 months reverting to 3.99% (min. £3)	0% for 3 months reverting to 19.944%	19.9%	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...
Tesco Bank 15 Month All Round Clubcard Credit Card Mastercard		0% for 15 months reverting to 21.814%	0.85% for 15 months reverting to 3.99% (min. £3)	0% for 15 months reverting to 19.944%	19.9%	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...
Bank of Ireland UK Matched Mastercard		0% for 24 months reverting to 19.9%	2.49%	0% for 24 months reverting to 19.9%	19.9%	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...
Halifax 29 Month Balance Transfer Credit Card Mastercard		0% for 29 months reverting to 19.95%	3%	0% for 3 months reverting to 19.95%	19.9%	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 Online Platinum 20 Month Balance Transfer Mastercard		0% for 20 months reverting to 19.94%	0% for 3 months reverting to 3% (min. £3)	0% for 6 months reverting to 19.94%	19.9%	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...
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%	20.6%	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...
Sainsbury's Bank No Balance Transfer Fee Credit Card Mastercard		0% for 22 months reverting to 20.95%	0% for transfers made within 3 months	0% for 3 months reverting to 20.95%	20.9%	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%	20.9%	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...
MBNA Limited 0% Transfer and Purchase Credit Card Mastercard		0% for 27 months reverting to 20.93%	2.69% for 2 months reverting to 5%	0% for 27 months reverting to 20.93%	20.9%	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...
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%	21.7%	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...
Virgin Money 28 Month Balance Transfer Credit Card Mastercard		0% for 28 months reverting to 21.9%	1.95% for 2 months reverting to 5%	0% for 3 months reverting to 21.9%	21.9%	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%	21.9%	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%	21.9%	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%	21.9%	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 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 23 months reverting to 21.9%	21.9%	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) for 2 months reverting to 2.9% (min. £5)	0% for 3 months reverting to 21.9%	21.9%	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 Purchase Plus Credit Card Visa		0% for 18 months reverting to 22.9%	0%	0% for 18 months reverting to 22.9%	22.9%	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...
Virgin Money 20 Month All Round Credit Card Mastercard		0% for 20 months reverting to 23.9%	2.9% for 2 months reverting to 5%	0% for 20 months reverting to 23.9%	23.9%	More Info		Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).	Compare	loading Fetching your data...
Virgin Money 24 Month Balance Transfer Credit Card Mastercard		0% for 24 months reverting to 23.9%	2.8% for 2 months reverting to 5%	0% for 3 months reverting to 23.9%	23.9%	More Info		Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).	Compare	loading Fetching your data...
Debenhams Mastercard		0% for 12 months reverting to 24.94%	5%	24.94%	24.9%	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%	24.9%	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...
Barclaycard Platinum 18 Month Balance Transfer Visa		0% for 18 months reverting to 24.9%	2.99%	0% for 3 months reverting to 24.9%	24.9%	More Info		Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).	Compare	loading Fetching your data...
ASDA Money Cashback Plus Credit Card Mastercard		0% for 15 months reverting to 19.9%	3% (min. £3)	19.9%	26.2%	More Info	Earn Asda vouchers every time you shop - 2% cashback on all Asda spend, 0.2% on all other transactions and 10% on selected insurance products. Once £2.5 is earnt a voucher can be downloaded to spend in Asda stores.	Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a. with a fee of £3 per month, your representative rate is 26.2% APR (variable).	Compare	loading Fetching your data...
Bank of Scotland Classic Mastercard		0% for 18 months reverting to 27.95%	3% (min. £3)	0% for 9 months reverting to 27.95%	27.9%	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 All Round Credit Card Mastercard		0% for 16 months reverting to 27.9%	2.9% for 2 months reverting to 5%	0% for 16 months reverting to 27.9%	27.9%	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...
Lloyds Bank (Branch) Classic Mastercard		0% for 18 months reverting to 27.95%	3% (min. £3)	0% for 9 months reverting to 27.95%	27.9%	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 20 Month Balance Transfer Credit Card Mastercard		0% for 20 months reverting to 27.9%	2.8% for 2 months reverting to 5%	0% for 3 months reverting to 27.9%	27.9%	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...
IHG Rewards Club Premium Credit Card Mastercard		0% for 12 months reverting to 19.9%	3% (min. £3)	19.9%	41.5%	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 19.9% (variable) p.a. with a fee of £99 per annum, your representative rate is 41.5% 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%	49.8%	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 May 20th, 2019

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Name	Product	Purchases	Balance transfers	Annual/monthly fees	Rep. APR		Incentive	Representative example
Barclaycard Platinum 27 Month Purchase and Balance Transfer Visa		0% for 27 months reverting to 19.9%	0% for 27 months reverting to 19.9%	£0	19.9%	Go to site 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 19.9% (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%	Go to site 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...
American Express Rewards Purchases Credit Card		0% for 18 months reverting to 22.9%	N/A	£0	22.9%	Go to site More Info	Earn 1 Membership Rewards® point for every £1 spent.	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...
Barclaycard Platinum No Fee Balance Transfer Visa		0% for 6 months reverting to 19.9%	0% for 20 months reverting to 19.9%	£0	19.9%	Go to site 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 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).	Compare	loading Fetching your data...
Barclaycard Platinum 28 Month Balance Transfer Visa		0% for 6 months reverting to 19.9%	0% for 28 months reverting to 19.9%	£0	19.9%	Go to site 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. Save 5% on food and drink at all UK 02 Academy venues.	Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).	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%	Go to site 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 or every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.	Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).	Compare	loading Fetching your data...
Barclaycard Platinum 26 Month Balance Transfer Visa		0% for 6 months reverting to 19.9%	0% for 26 months reverting to 19.9%	£0	19.9%	Go to site 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 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).	Compare	loading Fetching your data...
MBNA Limited 0% Transfer and Purchase Credit Card Mastercard		0% for 27 months reverting to 20.93%	0% for 27 months reverting to 20.93%	£0	20.9%	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 Dual Offer Credit Card Mastercard		0% for 27 months reverting to 20.95%	0% for 27 months reverting to 20.95%	£0	20.9%	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 Purchase Credit Card Mastercard		0% for 27 months reverting to 20.95%	0% for 3 months reverting to 20.95%	£0	20.9%	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...
Tesco Bank Clubcard Credit Card 26 Month for Purchases Mastercard		0% for 26 months reverting to 19.944%	0% for 3 months reverting to 21.814%	£0	19.9%	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...
Clydesdale Bank Gold Mastercard		0% for 26 months reverting to 18.9%	0% for 12 months reverting to 11.9%	£0	18.9%	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...
Yorkshire Bank Gold Mastercard		0% for 26 months reverting to 18.9%	0% for 12 months reverting to 11.9%	£0	18.9%	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 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%	More Info	Free access to preferential rates, exclusive offers and discounts at 123 World.	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...
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%	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...
Virgin Money 23 Month All Round Credit Card Mastercard		0% for 23 months reverting to 21.9%	0% for 23 months reverting to 21.9%	£0	21.9%	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...
Lloyds Bank Online Platinum 20 Month Purchase and Balance Transfer Mastercard		0% for 20 months reverting to 19.94%	0% for 20 months reverting to 19.94%	£0	19.9%	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 20 Month Purchase and Balance Transfer Mastercard		0% for 20 months reverting to 19.95%	0% for 20 months reverting to 19.95%	£0	19.9%	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 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%	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%	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...
Creation All Rounded Credit Card Mastercard		0% for 20 months reverting to 18.9%	0% for 20 months reverting to 18.9%	£0	18.9%	More Info	Receive regular offers and discounts from top brands.	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 Online Balance Transfer and Purchase Credit Card Mastercard		0% for 20 months reverting to 19.95%	0% for 20 months reverting to 19.95%	£0	19.9%	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 20 Month All Round Credit Card Mastercard		0% for 20 months reverting to 23.9%	0% for 20 months reverting to 23.9%	£0	23.9%	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 23.9% (variable) p.a., your representative rate is 23.9% 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%	More Info	Global Wi-Fi provided through Boingo.	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...
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%	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...
first direct Gold Card Visa		0% for 17 months reverting to 16.9%	16.9%	£0	16.9%	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 16 Month All Round Credit Card Mastercard		0% for 16 months reverting to 27.9%	0% for 16 months reverting to 27.9%	£0	27.9%	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...
Tesco Bank 15 Month All Round Clubcard Credit Card Mastercard		0% for 15 months reverting to 19.944%	0% for 15 months reverting to 21.814%	£0	19.9%	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 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%	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...
Nationwide BS Credit Card Visa		0% for 12 months reverting to 17.9%	0% for 12 months reverting to 17.9%	£0	17.9%	More Info	Customers will be able to earn commission-free purchases abroad by using their Credit Card each time they make a purchase in Sterling. The calculation will be based on a 5:1 ratio - for example, £5 spent in Sterling will earn an allowance of £1 commission free-purchases abroad. Purchases abroad beyond the earned amount will be charged 2% commission.	Representative example: When you spend £1,200 at a purchase rate of 17.9% (variable) p.a., your representative rate is 17.9% APR (variable).	Compare	loading Fetching your data...
Lloyds Bank Online Platinum 24 Month Balance Transfer Mastercard		0% for 12 months reverting to 19.94%	0% for 24 months reverting to 19.94%	£0	19.9%	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 24 Month Balance Transfer Credit Card Mastercard		0% for 12 months reverting to 19.95%	0% for 24 months reverting to 19.95%	£0	19.9%	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 12 Month All Round Clubcard Credit Card Mastercard		0% for 12 months reverting to 19.944%	0% for 12 months reverting to 21.814%	£0	19.9%	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...
Bank of Scotland Platinum 24 Month Balance Transfer Mastercard		0% for 12 months reverting to 19.95%	0% for 24 months reverting to 19.95%	£0	19.9%	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 BS Select Credit Card Visa		0% for 12 months reverting to 15.9%	0% for 12 months reverting to 15.9%	£0	15.9%	More Info		Representative example: When you spend £1,200 at a purchase rate of 15.9% (variable) p.a., your representative rate is 15.9% APR (variable).	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%	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...
TSB Classic Mastercard		0% for 10 months reverting to 26.95%	0% for 10 months reverting to 26.95%	£0	26.9%	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...
Bank of Scotland Classic Mastercard		0% for 9 months reverting to 27.95%	0% for 18 months reverting to 27.95%	£0	27.9%	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...
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%	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. 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. Receive a £25 bonus voucher in the first 90 days of opening if £200 spent in store or online.	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%	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...
Lloyds Bank (Branch) Classic Mastercard		0% for 9 months reverting to 27.95%	0% for 18 months reverting to 27.95%	£0	27.9%	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...
Post Office Money® Online Platinum Mastercard		0% for 8 months reverting to 18.9%	0% for 8 months reverting to 18.9%	£0	18.9%	More Info	Cash exchange fee waived when used to purchase foreign currency in Post Office branches or online.	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...
Post Office Money® Online Matched Mastercard		0% for 8 months reverting to 19.9%	0% for 8 months reverting to 19.9%	£0	19.9%	More Info	Cash exchange fee waived when used to purchase foreign currency in Post Office branches or online.	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...
Barclaycard Business (Online) Select Credit Card Mastercard		0% for 6 months reverting to 19.9%	N/A	Year 1 - £0, Year 2 onwards - £32 per annum	26.4%	More Info	Business Rewards - giving a range of discounts and rebates (up to 66% off AA membership, save 20% on B2B marketing sites and access to 99 UK business credit reports for £75, 5% Avis rebate, 15% off Ryman's stationary, up to 15% off with APH, £60 driving credit and first year membership free with Zipcar, first year of FSB registration free, 20% off bPay by Barclaycard device, up to 15% off ecommerce website with cloudBuy, 5% rebate on online advertising spend with Bing, 10% off selected hotel reservations for business trips with booking.com, 4% rebate at over 5,000 hotels and 10,000 restaurants and 1% rebate at petrol stations at selected locations with the USA and Canada with Mastercard, 3% off business flights with flybmi and 25% off first £200 spend at Amazon Business).	Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £32 per annum, your representative rate is 26.4% APR (variable).	Compare	loading Fetching your data...
The American Express Costco TrueEarnings Card		0% for 6 months reverting to 22.9%	N/A	£0	22.9%	More Info	Earn 3% cashback on virtually all restaurant dining, 2% on nearly all travel bookings, and 1% virtually everywhere else. Cashback paid as a yearly Costo voucher.	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...
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%	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...
Bank of Scotland Platinum 20 Month Balance Transfer Mastercard		0% for 6 months reverting to 19.95%	0% for 20 months reverting to 19.95%	£0	19.9%	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 Rewards Credit Card		0% for 6 months reverting to 21.9%	0% for 6 months reverting to 21.9%	£0	21.9%	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...
Lloyds Bank Online Platinum 20 Month Balance Transfer Mastercard		0% for 6 months reverting to 19.94%	0% for 20 months reverting to 19.94%	£0	19.9%	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...
Barclaycard Business Premium Plus Credit Card Mastercard		0% for 6 months reverting to 14.9%	N/A	£100 per annum	36.2%	More Info	Business Rewards - giving a range of discounts and rebates (up to 66% off AA membership, save 20% on B2B marketing sites and access to 99 UK business credit reports for £75, 5% Avis rebate, 15% off Ryman's stationary, up to 15% off with APH, £60 driving credit and first year membership free with Zipcar, first year of FSB registration free, 20% off bPay by Barclaycard device, up to 15% off ecommerce website with cloudBuy, 5% rebate on online advertising spend with Bing, 10% off selected hotel reservations for business trips with booking.com, 4% rebate at over 5,000 hotels and 10,000 restaurants and 1% rebate at petrol stations at selected locations with the USA and Canada with Mastercard, 3% off business flights with flybmi and 25% off first £200 spend at Amazon Business).	Representative example: When you spend £1,200 at a purchase rate of 14.9% (variable) p.a. with a fee of £100 per annum, your representative rate is 36.2% APR (variable).	Compare	loading Fetching your data...
Halifax 20 Month Balance Transfer Credit Card Mastercard		0% for 6 months reverting to 19.95%	0% for 20 months reverting to 19.95%	£0	19.9%	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...

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The cards below are sorted by their representative APRs, but if you’re interested in comparing the cards by a different feature, you can re-order the table.

Updated May 20th, 2019

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Name	Product	Annual/monthly fees	Min. credit limit	Max credit limit	Rep. APR		Incentive	Representative example
Vanquis Bank Chrome Card 24.7pc Visa		£0	£250	Subject to status: £1,000	24.7%	Go to site More Info		Representative example: When you spend £1,000 at a purchase rate of 24.7% (variable) p.a., your representative rate is 24.7% APR (variable).	Compare	loading Fetching your data...
Tandem Bank Journey Credit Card Mastercard		£0	£150	Subject to status: £1,200	24.9%	Go to site More Info	No fees for making purchases or withdrawing cash abroad – currencies are converted at the standard Mastercard exchange rate.	Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).	Compare	loading Fetching your data...
Tesco Bank Foundation Clubcard Credit Card Mastercard		£0	£250	Subject to status	27.5%	Go to site More Info	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).	Compare	loading Fetching your data...
Vanquis Bank Chrome Card 29.3pc Visa		£0	£250	Subject to status: £1,000	29.3%	Go to site More Info		Representative example: When you spend £1,000 at a purchase rate of 29.3% (variable) p.a., your representative rate is 29.3% APR (variable).	Compare	loading Fetching your data...
Vanquis Bank Aquis Visa		£0	£250	Subject to status: £1,000	29.8%	Go to site More Info		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).	Compare	loading Fetching your data...
ASDA Money Cashback Start Credit Card Mastercard		£0	£100	Subject to status: £600	34.9%	Go to site More Info	Earn Asda vouchers every time you shop - 1% cashback on all Asda spend, 0.2% on all other transactions. Once £2.5 is earnt a voucher can be downloaded to spend in Asda stores.	Representative example: When you spend £1,200 at a purchase rate of 34.9% (variable) p.a., your representative rate is 34.9% APR (variable).	Compare	loading Fetching your data...
Barclaycard Forward Credit Card Visa		£0	£50	Subject to status: £1,200	34.9%	Go to site 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 34.9% (variable) p.a., your representative rate is 34.9% APR (variable).	Compare	loading Fetching your data...
Vanquis Bank Visa		£0	£150	Subject to status: £1,000	39.9%	Go to site More Info		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).	Compare	loading Fetching your data...
118 118 Money Card Mastercard		£14 per month. Customer with a card credit limit of £1200: £14 per month. Customer with a card credit limit of £225: £8 per month. Customer with a card credit limit of £250: £3 per month	£225	Subject to status: £1,200	28.9%	More Info		Representative example: When you spend £1,200 at a purchase rate of 0% (variable) p.a. with a fee of £14 per month. Customer with a card credit limit of £1200: £14 per month. Customer with a card credit limit of £225: £8 per month. Customer with a card credit limit of £250: £3 per month, your representative rate is 28.9% APR (variable).	Compare	loading Fetching your data...
Capital One Classic Platinum Mastercard		£0	£200	Subject to status: £1,500	29.8%	More Info		Representative example: When you spend £1,200 at a purchase rate of 29.84% (variable) p.a., your representative rate is 29.8% APR (variable).	Compare	loading Fetching your data...
aqua Advance Mastercard		£0	£250	Not specified	34.9%	More Info	Free Credit Checker provided by Noddle, customers receive free unlimited access to their credit report.	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).	Compare	loading Fetching your data...
Ocean Credit Card Mastercard		£0	£200	Subject to status: £1,500	34.9%	More Info		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).	Compare	loading Fetching your data...
aqua Reward Mastercard		£0	£250	Not specified	34.9%	More Info	Free Credit Checker provided by Noddle, customers receive free unlimited access to their credit report.	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).	Compare	loading Fetching your data...
Capital One Classic Mastercard		£0	£200	Subject to status: £1,500	34.9%	More Info		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).	Compare	loading Fetching your data...
aqua Classic Mastercard		£0	£250	Subject to status: £1,200	35.9%	More Info	Free Credit Checker provided by Noddle, customers receive free unlimited access to their credit report.	Representative example: When you spend £1,200 at a purchase rate of 35.95% (variable) p.a., your representative rate is 35.9% APR (variable).	Compare	loading Fetching your data...
Capital One Luma Mastercard		£0	£200	Subject to status: £1,500	35.9%	More Info		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).	Compare	loading Fetching your data...
Capital One Luma Purchase Mastercard		£0	£200	Subject to status: £1,500	35.9%	More Info		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).	Compare	loading Fetching your data...
thinkmoney Credit Card Mastercard		£0	£200	Subject to status: £1,500	39.9%	More Info		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).	Compare	loading Fetching your data...
Opus Mastercard		£0	£250	Subject to status: £1,200	39.9%	More Info		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).	Compare	loading Fetching your data...
aqua Start Mastercard		£0	£100	Subject to status: £300	49.9%	More Info	Free Credit Checker provided by Noddle, customers receive free unlimited access to their credit report.	Representative example: When you spend £1,200 at a purchase rate of 49.94% (variable) p.a., your representative rate is 49.9% APR (variable).	Compare	loading Fetching your data...
Vanquis Bank Origin Credit Card Visa		£0	£150	Subject to status: £1,000	59.9%	More Info		Representative example: When you spend £250 at a purchase rate of 59.94% (variable) p.a., your representative rate is 59.9% APR (variable).	Compare	loading Fetching your data...

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How to apply for an MBNA credit card

The quickest way to apply for a MBNA card is online. What’s more, the online eligibility checker allows you to tell if you’re likely to be able to take out an MBNA credit card, without affecting your credit rating.

Eligibility requirements

To have your application for a credit card considered you must meet the following criteria:

• You’re a UK resident.
• You’re aged 18 or over.
• You’ve had a permanent UK address for 3 years or more.
• You have a good credit rating/history.
• You are employed, retired or a homemaker with an annual income of over £8,000.
• You’re not unemployed or a student.

Meeting these requirements doesn’t guarantee you’ll be offered a credit card with MBNA. MBNA will also run credit and affordability checks.

Why might you not be approved?

Typically you won’t be approved for a credit card if you’ve got a history of bad debt or MBNA decide your income/expenditure is not suitable for a particular credit card. If you’ve got an outstanding CCJ or are on an individual voluntary arrangement (IVA) it is also likely you will not be approved. Equally, if you do not have a credit record at all, you may be turned down. It is advisable to go to Experian, or another credit rating agency, and to ask for a credit report.

Frequently Asked Questions

• What's the difference between an eligibility check and a full credit card application?

  The eligibility check is there to help you see if you’re likely to be able to take out any of MBNA’s credit cards. This won’t affect your credit rating. MBNA will only go on to complete a full search if you go on to submit a full credit card application.

• Can I manage my account online and over the phone?

  Yes, there are three ways you can manage your account: through the mobile app, online and over the phone.

• What is contactless payment?

  Contactless is a fast, easy and secure way to pay for goods and services under £30 without entering a PIN. To make a payment, all you have to do is follow the instructions on the terminal and place your contactless card over the contactless reader.

• Can I view and download my statements online?

  Yes you can view and download your statement online. You can also opt out of receiving paper statements.

• How is interest calculated?

  Your credit card is likely to have different rates of interest for different services, such as purchases, balance transfers and cash withdrawals. You’ll find details of your specific interest rates, plus any fees, in your terms and conditions.

  Interest is calculated as a percentage of the amount you borrow. So broadly-speaking, the longer it takes you to pay off your balance, the more interest you will have to pay.

• What details will I need to provide

  You will need to provide the following details during your application.

  • Your address history for at least 3 years.
  • Contact details, including an email address.
  • Employment and salary information.
  • UK bank account details.

Barclaycard Platinum 28 Month Balance Transfer Visa

Balance transfers:

0% for 28 months reverting to 19.9%

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).

Go to siteMore info

M&S Bank Transfer Plus Mastercard

Balance transfers:

0% for 28 months reverting to 19.9%

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).

Go to siteMore info

Barclaycard Platinum No Fee Balance Transfer Visa

Balance transfers:

0% for 20 months reverting to 19.9%

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).

Go to siteMore info

ASDA Money Cashback Credit Card

Balance transfers:

0% for 12 months reverting to 19.9%

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).

Go to siteMore info