Compare Saga credit cards for November 2019

Providing tailored products and services for over-50s for more than 60 years, Saga has become one of the most trusted brands among its target market in that time.

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Saga

One of its most successful ventures in recent years has been the subscription-only Saga magazine, which is mailed to more than 350,000 subscribers every month. Saga has recently entered the financial products market, with offerings apart from credit cards including equity release, savings, loans and wealth management.

  • Must read: Saga Platinum Credit Card discontinued

As of March 2019, Saga no longer offers credit cards. However, this information has been kept for historical purposes. You can use this page to compare similar cards from other issuers.

Key features of the Saga credit card

Saga offered just a single credit card, provided by the Bank of Ireland. The card was an “all-rounder” – useful for a variety of requirements rather than being solely focused on a single function.

  • 0% foreign currency fees on transactions worldwide

    If you enjoy travelling and spending money abroad, this feature lets you use your card to pay for non-sterling goods and services and you’ll benefit from a 0% foreign currency conversion fee on these transactions.

    Learn more about cards designed for overseas spending

  • 0% on purchases

    Cards with an introductory 0% on purchases feature allow you to spread the cost of an upcoming purchase (or purchases). The 0% rate won’t last forever, remember, so you’ll want to aim to clear the balance before the 0% period ends and a significantly higher rate kicks in.

    Learn more about 0% purchase cards

  • 0% on balance transfers

    If you have an outstanding balance with another card issuer, that could be charging you a painful amount of interest, it needn’t stop you from switching to a new credit card. A 0% on balance transfers feature lets you bring your outstanding balance over to the new card and enjoy a 0% interest period. Aim to clear the balance before the end of this period, when a higher rate will kick in.

    Learn more about 0% balance transfer cards

Comparison of credit cards with no charge for foreign transactions

Table: sorted by representative APR, promoted deals first
Updated November 13th, 2019
Name Product Purchases Annual/monthly fees Rep. APR Credit rating Incentive Representative example
9.9%
£0
9.9% p.a. (variable)
Requires a good credit rating
Representative example: When you spend £1,200 at a purchase rate of 9.9% (variable) p.a., your representative rate is 9.9% APR (variable).
9.9%
£0
9.9% p.a. (variable)
Requires a good credit rating
Representative example: When you spend £1,200 at a purchase rate of 9.9% (variable) p.a., your representative rate is 9.9% APR (variable).
24.9%
£0
24.9% p.a. (variable)
Poor/limited credit considered
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).
9.9%
£0
9.9% p.a. (variable)
Requires a good credit rating
Representative example: When you spend £1,200 at a purchase rate of 9.9% (variable) p.a., your representative rate is 9.9% APR (variable).
9.9%
£0
9.9% p.a. (variable)
Requires a good credit rating
Representative example: When you spend £1,200 at a purchase rate of 9.9% (variable) p.a., your representative rate is 9.9% APR (variable).
9.9%
£0
9.9% p.a. (variable)
Requires a good credit rating
Representative example: When you spend £1,200 at a purchase rate of 9.9% (variable) p.a., your representative rate is 9.9% APR (variable).
14.71%
£0
14.7% p.a. (variable)
Requires a good credit rating
Eligible for Coutts Travel Rewards, receive a cash reward at participating retailers in selected countries.
Representative example: When you spend £1,200 at a purchase rate of 14.71% (variable) p.a., your representative rate is 14.7% APR (variable).
0% for 12 months reverting to 15.9%
£0
15.9% p.a. (variable)
Requires a good credit rating
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 18.9%
£0
18.9% p.a. (variable)
Requires a good credit rating
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).
18.9%
£0
18.9% p.a. (variable)
Requires a good credit rating
0.5% after £1 of monthly spend. Cashback paid Monthly into Card Account.
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 up to 4 providers

Approval for any credit card will depend on your status. The APR shown represents the interest rate offered to most successful applicants. Depending on your personal circumstances the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow.

What benefits can I expect from a SAGA credit card?

  • Extra security for online purchases. Saga’s credit card uses the Verified by Visa system, which asks users to set up an extra layer of security, a kind of ‘belt and braces’ approach which means that, even if your PIN is discovered by thieves, it’s more difficult for them to use the card online.
  • Online account management. You can keep track of all your card spending, even when you use the Saga credit card overseas, and pay your card bill wherever you are.
  • Discounts on Saga cruise ships and holidays. You can get a 5% discount on things you buy on-board when you’re on a Saga cruise, while many of Saga’s resorts also offer cardholders similar, exclusive savings. These vary between resorts, so check when you book.
  • Fraud text alerts. A text-only phone number will send an SMS to your mobile if the card issuer notices any activity on your card which it thinks might be suspicious.

Applying for a Saga credit card

It’s quick, easy and secure to apply for a Saga credit card online, and the process takes about 15 minutes.

Eligibility requirements

To qualify for the Saga credit card, you need to:

  • Be aged 50 or over.
  • Hold a UK bank account.
  • Have a permanent UK address (including the Channel Islands and Isle of Man).
  • Have a regular income of over £12,000 a year.

You should ensure that you can meet the monthly repayments, as missed payments incur a charge and could have severe consequences on your ability to obtain future credit.

Why might your application not be approved?

If you meet the broad criteria outlined above, but have a history of bad debt or no credit history, you could be rejected. Also, if you have been made the subject of a CCJ you may not be accepted, and you are unlikely to be given a card if you have ever declared bankruptcy.

Frequently asked questions

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you.

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