|
|
|
0% for 27 months reverting to 19.9%
|
1.5% for transfers in first 60 days
|
0% for 6 months reverting to 19.9%
|
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).
|
|
|
|
|
|
0% for 6 months reverting to 19.9%
|
2.9% (min. £5)
|
0% for 6 months reverting to 19.9%
|
19.9%
|
|
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).
|
|
|
|
|
|
0% for 28 months reverting to 19.9%
|
0.99% (min. £5) for 3 months reverting to 2.9% (min. £5)
|
0% for 6 months reverting to 19.9%
|
19.9%
|
|
Earn 1 point for every £1 spent at Marks and Spencer's and 1 point or every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.
|
Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).
|
|
|
|
|
|
0% for 20 months reverting to 19.9%
|
2.9% (min. £5)
|
0% for 20 months reverting to 19.9%
|
19.9%
|
|
Earn 1 point for every £1 spent at Marks and Spencer's and 1 point or every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.
|
Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).
|
|
|
|
|
|
0% for 12 months reverting to 19.9%
|
3% (min. £3)
|
19.9%
|
19.9%
|
|
Earn Asda vouchers every time you shop - 1% cashback on all Asda spend, 0.2% on all other transactions and 10% on selected insurance products. Once £2.5 is earnt a voucher can be downloaded to spend in Asda stores.
|
Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).
|
|
|
|
|
|
0% for 29 months reverting to 19.9%
|
1.99% for transfers in first 60 days
|
0% for 6 months reverting to 19.9%
|
19.9%
|
|
Enjoy free ongoing access to your Experian credit score (conditions apply) plus exclusive savings on live events with Barclaycard Entertainment.
|
Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).
|
|
|
|
|
|
0% for 27 months reverting to 19.9%
|
2.7% for transfers in first 60 days
|
0% for 27 months reverting to 19.9%
|
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).
|
|
|
|
|
|
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%
|
|
|
Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).
|
|
|
|
|
|
0% for 12 months reverting to 15.9%
|
0% for 3 months reverting to 2.4% (min. £5)
|
0% for 12 months reverting to 15.9%
|
15.9%
|
|
|
Representative example: When you spend £1,200 at a purchase rate of 15.9% (variable) p.a., your representative rate is 15.9% APR (variable).
|
|
|
|
|
|
0% for 12 months reverting to 17.9%
|
0% for 3 months reverting to 2.4% (min. £5)
|
0% for 12 months reverting to 17.9%
|
17.9%
|
|
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).
|
|
|
|
|
|
0% for 9 months reverting to 17.9%
|
2.98%
|
0% for 3 months reverting to 17.9%
|
17.9%
|
|
|
Representative example: When you spend £1,200 at a purchase rate of 17.9% (variable) p.a., your representative rate is 17.9% APR (variable).
|
|
|
|
|
|
0% for 6 months reverting to 17.9%
|
2.98%
|
0% for 6 months reverting to 17.9%
|
17.9%
|
|
|
Representative example: When you spend £1,200 at a purchase rate of 17.9% (variable) p.a., your representative rate is 17.9% APR (variable).
|
|
|
|
|
|
0% for 9 months reverting to 17.9%
|
5% (min. £5)
|
0% for 3 months reverting to 17.9%
|
17.9%
|
|
Earn 1 Maximiles point for every £1 spent. 5000 bonus points when you make your first card purchase.
|
Representative example: When you spend £1,200 at a purchase rate of 17.9% (variable) p.a., your representative rate is 17.9% APR (variable).
|
|
|
|
|
|
0% for 12 months reverting to 11.9%
|
3% (min. £3)
|
0% for 26 months reverting to 18.9%
|
18.9%
|
|
|
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).
|
|
|
|
|
|
0% for 6 months reverting to 18.9%
|
5% (min. £5)
|
18.9%
|
18.9%
|
|
|
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).
|
|
|
|
|
|
0% for 6 months reverting to 18.9%
|
5% (min. £5)
|
18.9%
|
18.9%
|
|
|
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).
|
|
|
|
|
|
0% for 18 months reverting to 18.9%
|
1.4% (min. £5) for 2 months reverting to 2.9% (min. £5)
|
0% for 9 months reverting to 18.9%
|
18.9%
|
|
A selection of rewards from a range of partners. Earn 1 point for every £1 spent within the UK and earn 2 points for every £1 spent outside the UK. Points can be redeemed for shopping vouchers and frequent flyer miles.
|
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).
|
|
|
|
|
|
0% for 27 months reverting to 18.9%
|
2.29% (min. £5) for 3 months reverting to 2.9% (min. £5)
|
18.9%
|
18.9%
|
|
|
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).
|
|
|
|
|
|
0% for 12 months reverting to 11.9%
|
3% (min. £3)
|
0% for 26 months reverting to 18.9%
|
18.9%
|
|
|
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).
|
|
|
|
|
|
0% for 18 months reverting to 18.9%
|
2.9% (min. £5)
|
0% for 9 months reverting to 18.9%
|
18.9%
|
|
Earn 1 point for every £1 spent in store or online at John Lewis, Waitrose and John Lewis Insurance. Earn 1 Point for every £2 spent elsewhere. Vouchers issued once customer reaches 500 points in Feb, Jun or Oct when vouchers are automatically issued to customers. Every 500 points is worth £5.
|
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).
|
|
|
|
|
|
0% for 12 months reverting to 18.9%
|
5% (min. £5)
|
0% for 3 months reverting to 18.9%
|
18.9%
|
|
|
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).
|
|
|
|
|
|
0% for 20 months reverting to 18.9%
|
3% (min. £3)
|
0% for 3 months reverting to 18.9%
|
18.9%
|
|
|
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).
|
|
|
|
|
|
0% for 27 months reverting to 18.9%
|
0% for 27 months reverting to 3% (min. £5)
|
0% for 3 months reverting to 18.9%
|
18.9%
|
|
|
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).
|
|
|
|
|
|
0% for 26 months reverting to 20.9%
|
2.9% for 2 months reverting to 5%
|
0% for 26 months reverting to 18.9%
|
18.9%
|
|
|
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).
|
|
|
|
|
|
0% for 12 months reverting to 18.9%
|
3% (min. £3)
|
18.9%
|
18.9%
|
|
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).
|
|
|
|
|
|
0% for 8 months reverting to 18.9%
|
2.89%
|
0% for 8 months reverting to 18.9%
|
18.9%
|
|
|
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).
|
|
|
|
|
|
0% for 20 months reverting to 18.9%
|
3% (min. £3)
|
0% for 20 months reverting to 18.9%
|
18.9%
|
|
|
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).
|
|
|
|
|
|
0% for 6 months reverting to 18.9%
|
5% (min. £5)
|
18.9%
|
18.9%
|
|
|
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).
|
|
|
|
|
|
0% for 8 months reverting to 19.9%
|
2.89%
|
0% for 8 months reverting to 19.9%
|
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).
|
|
|
|
|
|
0% for 24 months reverting to 19.9%
|
2.49%
|
0% for 24 months reverting to 19.9%
|
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).
|
|
|
|
|
|
0% for 18 months reverting to 19.9%
|
2% for 2 months reverting to 5%
|
0% for 28 months reverting to 19.9%
|
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).
|
|
|
|
|
|
0% for 20 months reverting to 19.94%
|
3% (min. £3)
|
0% for 20 months reverting to 19.94%
|
19.9%
|
|
|
Representative example: When you spend £1,200 at a purchase rate of 19.94% (variable) p.a., your representative rate is 19.9% APR (variable).
|
|
|
|
|
|
0% for 30 months reverting to 21.9%
|
1.49% for 2 months reverting to 5%
|
19.9%
|
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).
|
|
|
|
|
|
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%
|
|
1 point per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco. Must have available credit to earn points. Points are converted to Tesco vouchers or can be exchanged for Partner rewards to receive money off a variety of restaurants, entertainment or Avios points.
|
Representative example: When you spend £1,200 at a purchase rate of 19.944% (variable) p.a., your representative rate is 19.9% APR (variable).
|
|
|
|
|
|
0% for 29 months reverting to 19.95%
|
3% (min. £3)
|
0% for 3 months reverting to 19.95%
|
19.9%
|
|
Earn 750 bonus Nectar points each time £35 or more spent on Sainsbury's shopping, up to ten times in your first 2 months, up to a total of 7,500 points, offer available for new customers. Earn 2 Nectar points per £1 spent on Sainsbury's shopping and fuel. Earn 1 Nectar point for every £5 spent elsewhere.
|
Representative example: When you spend £1,200 at a purchase rate of 19.95% (variable) p.a., your representative rate is 19.9% APR (variable).
|
|
|
|
|
|
0% for 24 months reverting to 19.95%
|
1.5% (min. £3) for 3 months reverting to 3% (min. £3)
|
0% for 12 months reverting to 19.95%
|
19.9%
|
|
|
Representative example: When you spend £1,200 at a purchase rate of 19.95% (variable) p.a., your representative rate is 19.9% APR (variable).
|
|
|
|
|
|
0% for 28 months reverting to 21.814%
|
2.69% for 28 months reverting to 3.99% (min. £3)
|
0% for 3 months reverting to 19.944%
|
19.9%
|
|
1 point per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco. Must have available credit to earn points. Points are converted to Tesco vouchers or can be exchanged for Partner rewards to receive money off a variety of restaurants, entertainment or Avios points.
|
Representative example: When you spend £1,200 at a purchase rate of 19.944% (variable) p.a., your representative rate is 19.9% APR (variable).
|
|
|
|
|
|
0% for 15 months reverting to 21.814%
|
0.85% for 15 months reverting to 3.99% (min. £3)
|
0% for 15 months reverting to 19.944%
|
19.9%
|
|
1 point per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco. Must have available credit to earn points. Points are converted to Tesco vouchers or can be exchanged for Partner rewards to receive money off a variety of restaurants, entertainment or Avios points.
|
Representative example: When you spend £1,200 at a purchase rate of 19.944% (variable) p.a., your representative rate is 19.9% APR (variable).
|
|
|
|
|
|
0% for 28 months reverting to 19.95%
|
3%
|
0% for 3 months reverting to 19.95%
|
19.9%
|
|
|
Representative example: When you spend £1,200 at a purchase rate of 19.95% (variable) p.a., your representative rate is 19.9% APR (variable).
|
|
|
|
|
|
0% for 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%
|
|
|
Representative example: When you spend £1,200 at a purchase rate of 19.94% (variable) p.a., your representative rate is 19.9% APR (variable).
|
|
|
|
|
|
0% for 20 months reverting to 19.95%
|
3% (min. £3)
|
0% for 20 months reverting to 19.95%
|
19.9%
|
|
|
Representative example: When you spend £1,200 at a purchase rate of 19.95% (variable) p.a., your representative rate is 19.9% APR (variable).
|
|
|
|
|
|
0% for 28 months reverting to 19.94%
|
3%
|
0% for 3 months reverting to 19.94%
|
19.9%
|
|
|
Representative example: When you spend £1,200 at a purchase rate of 19.94% (variable) p.a., your representative rate is 19.9% APR (variable).
|
|
|
|
|
|
0% for 20 months reverting to 19.95%
|
0% for 3 months reverting to 3% (min. £3)
|
0% for 6 months reverting to 19.95%
|
19.9%
|
|
|
Representative example: When you spend £1,200 at a purchase rate of 19.95% (variable) p.a., your representative rate is 19.9% APR (variable).
|
|
|
|
|
|
0% for 24 months reverting to 19.95%
|
1.5% for 3 months reverting to 3% (min. £3)
|
0% for 12 months reverting to 19.95%
|
19.9%
|
|
|
Representative example: When you spend £1,200 at a purchase rate of 19.95% (variable) p.a., your representative rate is 19.9% APR (variable).
|
|
|
|
|
|
0% for 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%
|
|
1 point per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco. Must have available credit to earn points. Points are converted to Tesco vouchers or can be exchanged for Partner rewards to receive money off a variety of restaurants, entertainment or Avios points.
|
Representative example: When you spend £1,200 at a purchase rate of 19.944% (variable) p.a., your representative rate is 19.9% APR (variable).
|
|
|
|
|
|
0% for 24 months reverting to 21.93%
|
3.45% for 2 months reverting to 5%
|
19.93%
|
19.9%
|
|
|
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).
|
|
|
|
|
|
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%
|
|
|
Representative example: When you spend £1,200 at a purchase rate of 19.95% (variable) p.a., your representative rate is 19.9% APR (variable).
|
|
|
|
|
|
0% for 28 months reverting to 21.93%
|
2.72% for 2 months reverting to 5%
|
0% for 28 months reverting to 19.93%
|
19.9%
|
|
|
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).
|
|
|
|
|
|
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%
|
|
|
Representative example: When you spend £1,200 at a purchase rate of 19.95% (variable) p.a., your representative rate is 19.9% APR (variable).
|
|
|
|
|
|
0% for 20 months reverting to 19.95%
|
3% (min. £3)
|
0% for 20 months reverting to 19.95%
|
19.9%
|
|
|
Representative example: When you spend £1,200 at a purchase rate of 19.95% (variable) p.a., your representative rate is 19.9% APR (variable).
|
|
|
|
|
|
0% for 25 months reverting to 19.9%
|
3%
|
0% for 3 months reverting to 19.9%
|
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).
|
|
|
|
|
|
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%
|
|
|
Representative example: When you spend £1,200 at a purchase rate of 19.94% (variable) p.a., your representative rate is 19.9% APR (variable).
|
|
|
|
|
|
0% for 12 months reverting to 19.9%
|
0% for 2 months reverting to 5%
|
0% for 12 months reverting to 19.9%
|
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).
|
|
|
|
|
|
0% for 20 months reverting to 21.814%
|
0% for 3 months reverting to 3.99%
|
19.944%
|
19.9%
|
|
1 point per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco. Must have available credit to earn points. Points are converted to Tesco vouchers or can be exchanged for Partner rewards to receive money off a variety of restaurants, entertainment or Avios points.
|
Representative example: When you spend £1,200 at a purchase rate of 19.944% (variable) p.a., your representative rate is 19.9% APR (variable).
|
|
|
|
|
|
0% for 24 months reverting to 20.6%
|
0%
|
0% for 4 months reverting to 20.6%
|
20.6%
|
|
|
Representative example: When you spend £1,200 at a purchase rate of 20.6% (variable) p.a., your representative rate is 20.6% APR (variable).
|
|
|
|
|
|
0% for 28 months reverting to 20.95%
|
3% (min. £3)
|
0% for 28 months reverting to 20.95%
|
20.9%
|
|
Earn 750 bonus Nectar points each time £35 or more spent on Sainsbury's shopping, up to ten times in your first 2 months, up to a total of 7,500 points, offer available for new customers. Earn 2 Nectar points per £1 spent on Sainsbury's shopping and fuel. Earn 1 Nectar point for every £5 spent elsewhere.
|
Representative example: When you spend £1,200 at a purchase rate of 20.95% (variable) p.a., your representative rate is 20.9% APR (variable).
|
|
|
|
|
|
0% for 28 months reverting to 20.9%
|
1.75% for 2 months reverting to 5%
|
0% for 3 months reverting to 20.9%
|
20.9%
|
|
|
Representative example: When you spend £1,200 at a purchase rate of 20.9% (variable) p.a., your representative rate is 20.9% APR (variable).
|
|
|
|
|
|
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%
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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.
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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).
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0% for 12 months reverting to 21.94%
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5%
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0% for 3 months reverting to 21.94%
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21.9%
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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.
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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).
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0% for 28 months reverting to 21.9%
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1.4% (min. £5) for 2 months reverting to 2.9% (min. £5)
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0% for 3 months reverting to 21.9%
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21.9%
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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).
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0% for 28 months reverting to 21.9%
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1.3% (min. £5) for 2 months reverting to 2.9% (min. £5)
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0% for 3 months reverting to 21.9%
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21.9%
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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).
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0% for 6 months reverting to 22.9%
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3% for 2 months reverting to 5%
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22.9%
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22.9%
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Earn 5,000 bonus miles with your first card purchase made within 90 days of account opening. Earn 0.75 Flying Club miles for every £1 spend. Spend £20K a year on your card and choose an extra benefit - an upgrade to premium, or a Companion ticket. Double miles when you spend directly with Virgin Atlantic and Virgin Holidays through the contact centre and online.
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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).
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0% for 18 months reverting to 22.9%
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0%
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0% for 18 months reverting to 22.9%
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22.9%
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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).
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0% for 24 months reverting to 23.9%
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2.8% for 2 months reverting to 5%
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0% for 3 months reverting to 23.9%
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23.9%
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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).
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0% for 20 months reverting to 23.9%
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2.9% for 2 months reverting to 5%
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0% for 20 months reverting to 23.9%
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23.9%
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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).
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0% for 12 months reverting to 24.94%
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5%
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24.94%
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24.9%
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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.
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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).
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0% for 18 months reverting to 24.9%
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2.99%
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0% for 3 months reverting to 24.9%
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24.9%
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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).
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0% for 12 months reverting to 24.93%
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2.9%
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0% for 3 months reverting to 24.93%
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24.9%
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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).
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0% for 10 months reverting to 26.95%
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2.95% for 3 months reverting to 3%
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0% for 10 months reverting to 26.95%
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26.9%
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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).
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0% for 20 months reverting to 27.9%
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2.8% for 2 months reverting to 5%
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0% for 3 months reverting to 27.9%
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27.9%
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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).
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0% for 18 months reverting to 27.95%
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3% (min. £3)
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0% for 9 months reverting to 27.95%
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27.9%
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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).
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0% for 16 months reverting to 27.9%
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2.9% for 2 months reverting to 5%
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0% for 16 months reverting to 27.9%
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27.9%
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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).
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0% for 18 months reverting to 27.95%
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3% (min. £3)
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0% for 9 months reverting to 27.95%
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27.9%
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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).
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0% for 9 months reverting to 29.94%
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4% for 9 months reverting to 5%
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29.94%
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29.9%
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Representative example: When you spend £1,200 at a purchase rate of 29.94% (variable) p.a., your representative rate is 29.9% APR (variable).
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I am looking for a credit card with no monthly/yearly fee. I don’t intend to use it, it is purely to enhance my credit score. Is this a good idea?
Hi D.G,
Thanks for getting in touch with finder. I hope all is well for you. :)
It is worth noting that every time you open a new credit card account, it could cost a few credit score points. Thus, the mere action of opening one can affect your score.
If you don’t intend to use it and you consistently have a zero balance, there’s a chance that your issuer will stop reporting to the credit bureau or worse, close the account. So, in this case, it won’t improve your score and worse, it might even decrease it.
To improve your credit score, you may do the following:
– Order a copy of your credit report. Request a free credit report from the major bureaus to stay on top of making sure that lenders see only the most accurate picture of your financial health. Confirm that your personal information, employment data, open accounts and balances and other financial details are current and accurate. If you discover any errors, dispute them with the three credit bureaus and the provider that reported them.
– Pay down your credit card accounts. Your overall credit score is determined by many variables, including your credit utilization rate. To indicate to lenders that you’re a responsible borrower, only carry a balance with a utilization of 30% or less. For example, if your credit limit is $1,000, keep your balance below $300, which is 30% of your limit.
– Don’t attempt to open new accounts until your score improves. Every time you apply for credit, it’s listed on your credit report and pulls down your score. By waiting, you can take advantage of better interest rates.
– Avoid hastily closing unused accounts. While this sounds like a good strategy in theory, having only newer accounts will result in a lower score. Lenders want to see a long history of credit in your report.
I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.
Have a wonderful day!
Cheers,
Joshua
Hello, I would like to get a credit card with the lowest costs. I need it just for the UK, purchasing in supermarkets, coffees etc..
Hi Kai-uwe,
Thanks for getting in touch with finder.
I would like to share with you three pages from our website to help you make a better decision. One option is by looking for no annual fee credit cards. You will find your options on this page.
Next, explore our low interest rate credit cards. On that page, you should be able to get more familiar with credit cards with low interest.
Finally, please go to this page to compare 0% Purchase Credit Card offers.
All the pages I mentioned above will help you find the credit card with the lowest cost.
I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.
Have a wonderful day!
Cheers,
Joshua