How to track your credit card application status

When you apply for a credit card, you can usually expect an immediate response. However, if you still haven’t heard back from the provider, it might be time to take things into your own hands. It’s not a difficult process, but to make things even easier, we’ve summarised all of the major credit card provider details and offer some tips on how to best approach the situation.

How long does it take for my application to be approved?

Although most credit card applications provide instant approval or conditional approval (approved within 2-4 business days), credit card providers can take between up to 30 days to review an application. If you are an existing member of the bank, the process may be quicker as they already have some of your verified information in their systems.

To help speed up the application process, it’s important to try and provide all the information required by the provider. It’s also a good idea to use an eligibility checker to make sure you meet all eligibility requirements for a specific card before applying.

Credit card application tips

Main reasons why your application is taking longer than expected

If your credit card application is taking longer than usual to process, it could be due to one of the following reasons:

The provider thinks that certain information on your application may be insufficient, incorrect or inconsistent, and may require adding or changing.
The provider sees marks on your credit file that it wishes to analyse further or discuss with you.
The provider has to deal with a large number of applications and hasn’t reached yours yet.
The provider has misplaced your application.

Resolving the matter is often simple, and can sometimes take no more than a phone call. Monitor your calls, inbox and post in case the provider is trying to get in touch with you, but know that calling them first is always the quicker option.

How can I check on my application?

If you haven’t received a response regarding your application, you can contact your provider by calling the customer services number listed on its website.

Here are the contact numbers for some of the main providers:

American Express: 0800 917 8015
Aqua: 0333 220 2691
Barclaycard: 0345 734 5345
Halifax: 0345 944 4555
HSBC: 0800 731 8921
Lloyds: 0345 072 5555

MBNA: 03456 062 062
NatWest: 0345 3030 299
Sainsburys: 0800 218 2345
Santander: 0800 389 9905
Tesco: 0345 300 4278
Virgin: 0800 389 2875

List of documents needed for credit card application

What responses can I expect when applying for a credit card?

When it comes to applying for a credit card, there are a number of likely responses you may receive, depending on the quality of your application. These include:

Instant approval

With instant online applications, credit card providers provide a response on your application status almost immediately. While lending criteria varies between providers and cards, common checks include identity verification and credit score checks. By providing all the required information and keeping a good credit history, you’ll be eligible for instant approval.

Referral

If your credit card application is under referral, the card provider basically requires more time to carry out further assessments before giving you a conclusive answer.

Conditional approval

Getting conditional approval essentially means that the credit card provider is buying time to verify your details before granting approval. In such a scenario, you might have to provide personal identification documents or payslips by visiting a branch office. Complete approval only takes effect after that’s done and you have signed the contract.

Application not approved

The reason behind a provider not approving your application could be that you haven’t met the lending criteria. Such factors could include insufficient income, poor creditworthiness or credit history, and unstable employment. If you’ve been rejected, don’t apply for another card straight away. Instead, either request a copy of your credit report to make sure everything is in order or start comparing other cards to apply for in a few months, making sure you are paying attention to the eligibility requirements.

If you’ve got poor or no credit history, you may not be eligible for most credit cards. In this instance, you may have to consider a credit builder card instead.

Compare credit builder credit cards

Common mistakes to avoid

Here are some things you should expect or avoid while waiting to hear back about the status of your credit card application:

Making multiple applications.
You may be tempted to apply for another credit card while you’re waiting for a response, but know that multiple simultaneous applications will have a negative impact on your credit file.
Credit report mistakes.
If your credit card application was rejected and you’re unsure why, make sure you have met the eligibility requirements and order a copy of your credit score to make sure you haven’t fallen victim to fraud or mistakes on your file. If you find a genuine error on the report, contact the credit card provider and credit reporting body to initiate investigation and correction.
Customer service delays.
It could take days or weeks for a bank to respond to an email enquiry and wait times are to be expected when you are contacting the customer service phone line. Before you call, make sure the number you dial is toll-free. If it isn’t, avoid calling early in the morning, at lunch time or after 5pm when they are likely to be inundated with calls.

Applying for a credit card is one thing, but receiving it is quite another. You may have to wait a considerable period for it, which is why we recommend you apply in advance and always stay on top of your application by calling your provider.

Compare credit cards now

Table: sorted by representative APR, promoted deals first

Name	Ratings	Finder rating	Customer rating	Balance transfers	Balance transfer fee	Purchases	Annual/monthly fees	Representative APR	Incentive	Link
Santander Everyday Long Term Balance Transfer Credit Card	Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	0% for 28 months reverting to 21.9%	3% (min. £5)	0% for 3 months reverting to 22.9%	£0	22.9% APR (variable)	Sign up for Santander Boosts to receive cashback, vouchers, offers and prize draws from selected retailers. Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
NatWest Purchase & Balance Transfer Credit Card	Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	0% for 23 months reverting to 23.9%	2.99%	0% for 23 months reverting to 23.9%	£0	23.9% APR (variable)	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).	Go to site Read review	Compare	loading Fetching your data...
NatWest Longer Balance Transfer Credit Card	User survey ★★★★★	Not yet rated	★★★★★ User rating	0% for 30 months reverting to 23.9%	2.99%	0% for 3 months reverting to 23.9%	£0	23.9% APR (variable)	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).	Go to site Read review	Compare	loading Fetching your data...
M&S Bank Credit Card Transfer Plus Offer Mastercard	Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	0% for 28 months reverting to 23.9%	2.99% fee, min £5	0% for 3 months reverting to 23.9%	£0	23.9% APR (variable)	1 point per £1 spent with M&S and 1 point per £5 spent elsewhere. Enjoy 55 days interest free, preferential rates plus no cash advance fee when buying M&S travel money with the card. 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).	Check eligibility Read review	Compare	loading Fetching your data...
Royal Bank of Scotland Balance Transfer Credit Card	Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	0% for 19 months reverting to 23.9%	2.99%	0% for 3 months reverting to 23.9%	£0	23.9% APR (variable)	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).	Go to site Read review	Compare	loading Fetching your data...
Royal Bank of Scotland Purchase & Balance Transfer Credit Card	Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	0% for 23 months reverting to 23.9%	2.9%	0% for 23 months reverting to 23.9%	£0	23.9% APR (variable)	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).	Go to site Read review	Compare	loading Fetching your data...
HSBC No Fee Balance Transfer Credit Card Visa	Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	0% for 16 months reverting to 23.9%	0%	0% for 3 months reverting to 23.9%	£0	23.9% APR (variable)	Discounts and exclusive offers for dining experiences, leisure activities and shopping available through HSBC Home and Away. Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
NatWest Balance Transfer Credit Card	Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	0% for 19 months reverting to 23.9%	0%	0% for 3 months reverting to 23.9%	£0	23.9% APR (variable)	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).	Go to site Read review	Compare	loading Fetching your data...
HSBC Purchase Plus Credit Card	Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	0% for 17 months reverting to 23.9%	2.99%	0% for 20 months reverting to 23.9%	£0	23.9% APR (variable)	Discounts and exclusive offers for dining experiences, leisure activities and shopping available through HSBC Home and Away. Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable). You might get different interest rates and promotional periods to those shown here, because these depend on your circumstances.	Check eligibility Read review	Compare	loading Fetching your data...
Royal Bank of Scotland Longer Balance Transfer Credit Card	Not yet rated	Not yet rated	Not yet rated	0% for 30 months reverting to 23.9%	2.99%	0% for 3 months reverting to 23.9%	£0	23.9% APR (variable)	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).	Go to site Read review	Compare	loading Fetching your data...
HSBC Balance Transfer Credit Card	Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	0% for 27 months reverting to 23.9%	0%	0% for 3 months reverting to 23.9%	£0	23.9% APR (variable)	Discounts and exclusive offers for dining experiences, leisure activities and shopping available through HSBC Home and Away. Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable). You might get different interest rates and promotional periods to those shown here, because these depend on your circumstances.	Check eligibility Read review	Compare	loading Fetching your data...
M&S Bank Shopping Plus Credit Card	Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	0% for 15 months reverting to 23.9%	2.99% fee, min £5	0% for 18 months reverting to 23.9%	£0	23.9% APR (variable)	1 point per £1 spent with M&S and 1 point per £5 spent elsewhere. Enjoy 55 days interest free, preferential rates plus no cash advance fee when buying M&S travel money with the card. 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).	Check eligibility Read review	Compare	loading Fetching your data...
Santander All in One Credit Card	Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	0% for 15 months reverting to 21.9%	0% for 15 months reverting to 3% (min. £5)	0% for 15 months reverting to 21.9%	£3 per month	27.7% APR (variable)	0.5% after £1 of monthly spend. Cashback paid Monthly into Card Account. Maximum spend for cashback purposes is limited to credit limit. Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a. with a fee of £3 per month, your representative rate is 27.7% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
Nationwide Member Credit Card All Rounder	Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	0% for 15 months reverting to 19.9%	1.5% (min. £5) for 3 months reverting to 2.4% (min. £5)	0% for 15 months reverting to 19.9%	£0	19.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).	Read review	Compare	loading Fetching your data...
Nationwide Member Credit Card Balance Transfer	Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	0% for 18 months reverting to 19.9%	1.5% (min. £5) for 3 months reverting to 2.4% (min. £5)	0% for 3 months reverting to 19.9%	£0	19.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).	Read review	Compare	loading Fetching your data...
The Co-operative Bank Balance Transfer Credit Card Visa	Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	0% for 24 months reverting to 20.6%	3% (minimum £5)	0% for 4 months reverting to 20.6%	£0	20.6% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 20.6% (variable) p.a., your representative rate is 20.6% APR (variable).	Read review	Compare	loading Fetching your data...
Santander Everyday No Balance Transfer Fee Credit Card	Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	0% for 12 months reverting to 22.9%	0% for 12 months reverting to 3% (min. £5)	0% for 3 months reverting to 22.9%	£0	22.9% APR (variable)	Sign up for Santander Boosts to receive cashback, vouchers, offers and prize draws from selected retailers. Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).	Read review	Compare	loading Fetching your data...
Halifax 0% Purchase and Balance Transfer Mastercard	Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	0% for 17 months reverting to 22.94%	2.99% for 3 months reverting to 5%	0% for 17 months reverting to 22.94%	£0	22.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 22.94% (variable) p.a., your representative rate is 22.9% APR (variable).	Read review	Compare	loading Fetching your data...
MBNA Long 0% Money Transfer Credit Card	Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	0% for 12 months reverting to 22.94%	4% for 2 months reverting to 5%	22.94%	£0	22.9% APR (variable)	Earn up to 15% cashback on purchases through Smart Rewards at popular retailers. Representative example: When you spend £1,200 at a purchase rate of 22.94% (variable) p.a., your representative rate is 22.9% APR (variable).	Read review	Compare	loading Fetching your data...
MBNA Long 0% Balance Transfer Credit Card	Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	0% for 27 months reverting to 22.94%	3.49% for 2 months reverting to 5%	22.94%	£0	22.9% APR (variable)	Earn up to 15% cashback on purchases through Smart Rewards at popular retailers. Representative example: When you spend £1,200 at a purchase rate of 22.94% (variable) p.a., your representative rate is 22.9% APR (variable).	Read review	Compare	loading Fetching your data...

Name	Ratings	Customer rating	Finder rating	Purchases	Balance transfers	Annual/monthly fees	Representative APR	Incentive	Link
Royal Bank of Scotland Purchase & Balance Transfer Credit Card	Finder score ★★★★★	Not yet rated	★★★★★ Expert analysis	0% for 23 months reverting to 23.9%	0% for 23 months (2.9% fee)	£0	23.9% APR (variable)	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).	Go to site Read review	Compare	loading Fetching your data...
NatWest Purchase & Balance Transfer Credit Card	Finder score ★★★★★ User survey ★★★★★	★★★★★ User rating	★★★★★ Expert analysis	0% for 23 months reverting to 23.9%	0% for 23 months (2.99% fee)	£0	23.9% APR (variable)	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).	Go to site Read review	Compare	loading Fetching your data...
HSBC Purchase Plus Credit Card	Finder score ★★★★★ User survey ★★★★★	★★★★★ User rating	★★★★★ Expert analysis	0% for 20 months reverting to 23.9%	0% for 17 months (2.99% fee)	£0	23.9% APR (variable)	Discounts and exclusive offers for dining experiences, leisure activities and shopping available through HSBC Home and Away. Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable). You might get different interest rates and promotional periods to those shown here, because these depend on your circumstances.	Check eligibility Read review	Compare	loading Fetching your data...
M&S Bank Shopping Plus Credit Card	Finder score ★★★★★ User survey ★★★★★	★★★★★ User rating	★★★★★ Expert analysis	0% for 18 months reverting to 23.9%	0% for 15 months (2.99% fee, min £5 fee)	£0	23.9% APR (variable)	1 point per £1 spent with M&S and 1 point per £5 spent elsewhere. Enjoy 55 days interest free, preferential rates plus no cash advance fee when buying M&S travel money with the card. 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).	Check eligibility Read review	Compare	loading Fetching your data...
Santander All in One Credit Card	Finder score ★★★★★ User survey ★★★★★	★★★★★ User rating	★★★★★ Expert analysis	0% for 15 months reverting to 21.9%	0% for 15 months (0% fee)	£3 per month	27.7% APR (variable)	0.5% after £1 of monthly spend. Cashback paid Monthly into Card Account. Maximum spend for cashback purposes is limited to credit limit. Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a. with a fee of £3 per month, your representative rate is 27.7% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
HSBC Rewards Credit Card	Finder score ★★★★★ User survey ★★★★★	★★★★★ User rating	★★★★★ Expert analysis	0% for 6 months reverting to 23.9%	0% for 6 months (0% fee)	£0	23.9% APR (variable)	Earn 1 point for every £5 spent on purchases. Bonus 2,500 reward points on anniversary if £10,000 spent in previous year. 1 point = 1p (no min) 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).	Check eligibility Read review	Compare	loading Fetching your data...
Tesco Bank Clubcard Plus Credit Card Mastercard	Finder score ★★★★★ User survey ★★★★★	★★★★★ User rating	★★★★★ Expert analysis	0% for 24 months reverting to 19.944%	21.814% (3.99% fee)	£7.99 per month	37.7% APR (variable)	1 point per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco, must have available credit to earn points. Card can also be used as a Clubcard to collect standard points at 1 point per £1 spent on shopping and an enhanced rate of 1 point per £1 spent on fuel. Points are converted to Tesco vouchers which can be used towards shopping or exchanged for Partner Rewards. 1 point = 1p (min 250pts) Representative example: When you spend £1,200 at a purchase rate of 19.944% (variable) p.a. with a fee of £7.99 per month, your representative rate is 37.7% APR (variable).	Read review	Compare	loading Fetching your data...
Ulster Bank Purchase & Balance Transfer Credit Card Mastercard	Finder score ★★★★★	Not yet rated	★★★★★ Expert analysis	0% for 23 months reverting to 23.9%	0% for 23 months (2.99% fee)	£0	23.9% APR (variable)	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).	Read review	Compare	loading Fetching your data...
MBNA 0% Transfer and Purchase Credit Card	Finder score ★★★★★ User survey ★★★★★	★★★★★ User rating	★★★★★ Expert analysis	0% for 22 months reverting to 22.94%	0% for 22 months (2.99% fee)	£0	22.9% APR (variable)	Earn up to 15% cashback on purchases through Smart Rewards at popular retailers. Representative example: When you spend £1,200 at a purchase rate of 22.94% (variable) p.a., your representative rate is 22.9% APR (variable).	Read review	Compare	loading Fetching your data...
Barclaycard Platinum All-Rounder Visa	Finder score ★★★★★ User survey ★★★★★	★★★★★ User rating	★★★★★ Expert analysis	0% for 22 months reverting to 23.9%	0% for 22 months (2.99% fee)	£0	23.9% APR (variable)	Buy tickets for up to 3500 selected live events through Barclaycard entertainment and get 5% off tickets per year and exclusive presale tickets on selected festivals with 10% off ticket prices. Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).	Read review	Compare	loading Fetching your data...
Santander World Elite Mastercard	Finder score ★★★★★ User survey ★★★★★	★★★★★ User rating	★★★★★ Expert analysis	0% for 18 months reverting to 18.9%	0% for 18 months (0% fee)	£15 per month	49.8% APR (variable)	0.5% on £1 to £3000 of monthly spend. Maximum of £15 cashback paid per month. Cashback paid Monthly into Card Account. Maximum spend for cashback purposes is limited to credit limit. Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a. with a fee of £15 per month, your representative rate is 49.8% APR (variable).	Read review	Compare	loading Fetching your data...
Sainsbury's Bank Dual 17 Month Offer Credit Card Mastercard	Finder score ★★★★★ User survey ★★★★★	★★★★★ User rating	★★★★★ Expert analysis	0% for 17 months reverting to 23.95%	0% for 17 months (3% fee)	£0	23.9% APR (variable)	Earn 1 Nectar points per £2 spent in Sainsbury's and Argos, and 1 Nectar point for every £5 spent elsewhere. Additional points can be earned by also using the Nectar card or app at the time of transaction. Earn 500 bonus points each time you spend £35 or more on Sainsbury's shopping with your credit card, up to ten times in your first 2 months, offer available for new customers. 1 point = 0.5p (min 500pts) Representative example: When you spend £1,200 at a purchase rate of 23.95% (variable) p.a., your representative rate is 23.9% APR (variable).	Read review	Compare	loading Fetching your data...
Lloyds Bank Platinum 0% Purchase and Balance Transfer Mastercard	Finder score ★★★★★ User survey ★★★★★	★★★★★ User rating	★★★★★ Expert analysis	0% for 17 months reverting to 22.94%	0% for 15 months (2.99% fee)	£0	22.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 22.94% (variable) p.a., your representative rate is 22.9% APR (variable).	Read review	Compare	loading Fetching your data...
Halifax 0% Purchase and Balance Transfer Mastercard	Finder score ★★★★★ User survey ★★★★★	★★★★★ User rating	★★★★★ Expert analysis	0% for 17 months reverting to 22.94%	0% for 17 months (2.99% fee)	£0	22.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 22.94% (variable) p.a., your representative rate is 22.9% APR (variable).	Read review	Compare	loading Fetching your data...
Bank of Scotland Platinum 0% Purchase and Balance Transfer Mastercard	Finder score ★★★★★	Not yet rated	★★★★★ Expert analysis	0% for 17 months reverting to 22.94%	0% for 17 months (2.99% fee)	£0	22.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 22.94% (variable) p.a., your representative rate is 22.9% APR (variable).	Read review	Compare	loading Fetching your data...
TSB Platinum Purchase Card	Finder score ★★★★★	Not yet rated	★★★★★ Expert analysis	0% for 15 months reverting to 22.95%	0% for 15 months (1.45% fee)	£0	22.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 22.95% (variable) p.a., your representative rate is 22.9% APR (variable).	Read review	Compare	loading Fetching your data...
Nationwide Member Credit Card All Rounder	Finder score ★★★★★	Not yet rated	★★★★★ Expert analysis	0% for 15 months reverting to 19.9%	0% for 15 months (1.5% fee)	£0	19.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).	Read review	Compare	loading Fetching your data...
Tesco Bank Purchases Card	Finder score ★★★★★ User survey ★★★★★	★★★★★ User rating	★★★★★ Expert analysis	0% for 14 months reverting to 22.94%	0% for 3 months (0% interest on balance transfers for the first 3 months (2.99% fee) fee)	£0	22.9% APR (variable)	1 point per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco. Must have available credit to earn points. Points are converted to Tesco vouchers or can be exchanged for Partner rewards to receive money off a variety of restaurants, entertainment or Avios points. Representative example: When you spend £1,200 at a purchase rate of 22.94% (variable) p.a., your representative rate is 22.9% APR (variable).	Read review	Compare	loading Fetching your data...
Virgin Money Dual Credit Card Mastercard	Finder score ★★★★★ User survey ★★★★★	★★★★★ User rating	★★★★★ Expert analysis	0% for 13 months reverting to 23.9%	0% for 16 months (3% fee)	£0	23.9% APR (variable)	Enjoy exclusive offers and rewards on the Virgin Red app. Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).	Read review	Compare	loading Fetching your data...
Virgin Money 12 Month All Round Credit Card Mastercard	Finder score ★★★★★ User survey ★★★★★	★★★★★ User rating	★★★★★ Expert analysis	0% for 12 months reverting to 29.9%	0% for 12 months (3% fee)	£0	29.9% APR (variable)	Enjoy exclusive offers and rewards on the Virgin Red app. Representative example: When you spend £1,200 at a purchase rate of 29.9% (variable) p.a., your representative rate is 29.9% APR (variable).	Read review	Compare	loading Fetching your data...

Name	Purchases	Annual/monthly fees	Initial credit limits	Representative APR	Incentive	Link
M&S Bank Shopping Plus Credit Card	0% for 18 months reverting to 23.9%	£0	Min. limit £500, max. limit not specified.	23.9% APR (variable)	1 point per £1 spent with M&S and 1 point per £5 spent elsewhere. Enjoy 55 days interest free, preferential rates plus no cash advance fee when buying M&S travel money with the card. 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).	Check eligibility Read review	Compare	loading Fetching your data...
M&S Bank Credit Card Transfer Plus Offer Mastercard	0% for 3 months reverting to 23.9%	£0	Min. limit £500, max. limit not specified.	23.9% APR (variable)	1 point per £1 spent with M&S and 1 point per £5 spent elsewhere. Enjoy 55 days interest free, preferential rates plus no cash advance fee when buying M&S travel money with the card. 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).	Check eligibility Read review	Compare	loading Fetching your data...
Royal Bank of Scotland Reward Credit Card	21.9%	£24 per annum. Reward or Reward Black Current Account holders: £0 per annum	Min. limit £250, max. limit not specified.	26.8% APR (variable)	Earn 1% back at supermarkets and 0.25% back everywhere else, including supermarket petrol stations. At selected retailers, you could earn 1-15% back. Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a. with a fee of £24 per annum. Reward or Reward Black Current Account holders: £0 per annum, your representative rate is 26.8% APR (variable).	Go to site Read review	Compare	loading Fetching your data...
NatWest Reward Credit Card	21.9%	£24 per annum. Reward or Reward Black Current Account holders: £0 per annum	Min. limit £250, max. limit not specified.	26.8% APR (variable)	You'll earn 1% back at supermarkets and 0.25% back everywhere else, including supermarket petrol stations. At selected retailers, you could earn 1-15% back. Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a. with a fee of £24 per annum. Reward or Reward Black Current Account holders: £0 per annum, your representative rate is 26.8% APR (variable).	Go to site Read review	Compare	loading Fetching your data...
Santander All in One Credit Card	0% for 15 months reverting to 21.9%	£3 per month	Min. limit £500, max. limit not specified.	27.7% APR (variable)	0.5% after £1 of monthly spend. Cashback paid Monthly into Card Account. Maximum spend for cashback purposes is limited to credit limit. Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a. with a fee of £3 per month, your representative rate is 27.7% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
American Express® Platinum Cashback Everyday Credit Card Finder Award	29.7%	£0	Min. limit £700, max. limit not specified.	29.7% APR (variable)	New cardmember offer: Get 5% cashback on your purchases (up to £100) for the first three months of Cardmembership. Terms apply. Spend £0 to £10,000 and receive 0.5% cashback on all purchases. Spend over £10,000 and receive 1% cashback on purchases. Representative example: When you spend £1,200 at a purchase rate of 29.7% (variable) p.a., your representative rate is 29.7% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
The American Express Rewards® Credit Card Finder Award	29.7%	£0	Min. limit £500, max. limit not specified.	29.7% APR (variable)	Earn 1 Membership Rewards® point for every £1 spent thereafter. Earn up to 90,000 bonus points per year through refer a friend, 4,000 points awarded for every friend approved. 1 point = 0.45p (min 1000 points) to shop, other rewards have differing conversions Representative example: When you spend £1,200 at a purchase rate of 29.7% (variable) p.a., your representative rate is 29.7% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
British Airways American Express® Credit Card Finder Award	29.7%	£0	Min. limit £700, max. limit not specified.	29.7% APR (variable)	Earn 1 Avios for virtually every £1 spent. Spend £12K each year and get a travel companion voucher when redeeming Avios for a BA reward flight. - Earn up to 90,000 bonus Avios points per calendar year, 4,000 points per friend/family member that successfully applies for an American Express card (Excl. Basic card) and uses the Referral Programme. Avios value varies dependent on reward (min 1000pts for flights) Representative example: When you spend £1,200 at a purchase rate of 29.7% (variable) p.a., your representative rate is 29.7% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
American Express® Nectar Credit Card Finder Award	29.7%	Year 1 - £0, Year 2 onwards - £25 per annum	Min. limit £700, max. limit not specified.	35.3% APR (variable)	Earn 20,000 bonus Nectar points when you spend £2,000 in your first 3 months. Earn a minimum of 3 Nectar points for virtually every £1 spent at Nectar partners, and 2 Nectar points for virtually every £1 spent elsewhere. Representative example: When you spend £1,200 at a purchase rate of 29.7% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £25 per annum, your representative rate is 35.3% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
American Express® Platinum Cashback Credit Card Finder Award	29.7%	£25 per annum	Min. limit £700, max. limit not specified.	35.3% APR (variable)	New cardmember offer: Get 5% cashback on your purchases (up to £125) for the first three months of Cardmembership. Terms apply. Spend £0 to £10,000 and receive 0.75% cashback on all purchases. Spend over £10,000 and receive 1.25% cashback on purchases. Representative example: When you spend £1,200 at a purchase rate of 29.7% (variable) p.a. with a fee of £25 per annum, your representative rate is 35.3% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
NatWest Reward Black Credit Card	21.9%	£84 per annum. Reward Black Current Account holders: £0 per annum	Min. limit £5,000, max. limit not specified.	40.7% APR (variable)	You'll earn 1% back at supermarkets and 0.5% back everywhere else, including supermarket petrol stations. At selected retailers, you could earn 1-15% back. Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a. with a fee of £84 per annum. Reward Black Current Account holders: £0 per annum, your representative rate is 40.7% APR (variable).	Go to site Read review	Compare	loading Fetching your data...
Royal Bank of Scotland Reward Black Credit Card	21.9%	£84 per annum. Reward Black Current Account holders: £0 per annum	Min. limit £5,000, max. limit not specified.	40.7% APR (variable)	Earn 1% back at supermarkets and 0.5% back everywhere else, including supermarket petrol stations. At selected retailers, you could earn 1-15% back. Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a. with a fee of £84 per annum. Reward Black Current Account holders: £0 per annum, your representative rate is 40.7% APR (variable).	Go to site Read review	Compare	loading Fetching your data...
The Marriott Bonvoy American Express Card Finder Award	29.7%	£75 per annum	Min. limit £700, max. limit not specified.	47.7% APR (variable)	Earn 6 points for every £1 spent at eligible Marriott properties. Earn 2 points for virtually every £1 spent elsewhere. Earn up to 90,000 bonus points per year through refer a friend, 9,000 points awarded for every friend approved. Points can be redeemed for hotel stays of varying values (min 15000pts) Representative example: When you spend £1,200 at a purchase rate of 29.7% (variable) p.a. with a fee of £75 per annum, your representative rate is 47.7% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
American Express® Preferred Rewards Gold Credit Card Finder Award	29.7%	Year 1 - £0, Year 2 onwards - £160 per annum	Min. limit £700, max. limit not specified.	73.8% APR (variable)	2 points earned per £1 spent on travel related purchases and spending abroad. 3 points for every £1 spent when booking through American Express Travel. Representative example: When you spend £1,200 at a purchase rate of 29.7% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £160 per annum, your representative rate is 73.8% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
British Airways American Express® Premium Plus Card Finder Award	29.7%	£250 per annum	Min. limit £700, max. limit not specified.	110.7% APR (variable)	Earn 25,000 bonus Avios when you spend £3,000 in your first 3 months of Cardmembership. Terms apply. 18+, subject to status. New Cardmembers Only Representative example: When you spend £1,200 at a purchase rate of 29.7% (variable) p.a. with a fee of £250 per annum, your representative rate is 110.7% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
Pulse Card Mastercard (existing NewDay customers only)	Your interest rate will stay the same as your current NewDay card	£0	Min. limit not specified, max. limit not specified.	APR (variable)	Get 0.25% cashback every time you shop, up to a maximum of £150 cashback per year If you are a current NewDay customer and have been invited to transfer to a Pulse Card, your interest rate and credit limit will remain the same.	Read review	Compare	loading Fetching your data...
Tesco Bank Low APR Clubcard Credit Card	10.941%	£0	Min. limit £250, max. limit not specified.	10.9% APR (variable)	1 point per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco, must have available credit to earn points. Card can also be used as a Clubcard to collect standard points at 1 point per £1 spent on shopping and an enhanced rate of 1 point per £1 spent on fuel. Points are converted to Tesco vouchers which can be used towards shopping or exchanged for Partner Rewards. 1 point = 1p (min 250pts) Representative example: When you spend £1,200 at a purchase rate of 10.941% (variable) p.a., your representative rate is 10.9% APR (variable).	Read review	Compare	loading Fetching your data...
MBNA Limited Platinum Visa	12.94%	£0	Min. limit not specified, max. limit not specified.	12.9% APR (variable)	0.25% after £1 of yearly spend. Cashback paid January into Card Account. Earn 0.25% cashback on purchases within the first 36 months of account opening. Maximum spend for cashback purposes is limited to credit limit. Representative example: When you spend £1,200 at a purchase rate of 12.94% (variable) p.a., your representative rate is 12.9% APR (variable).	Read review	Compare	loading Fetching your data...
The Co-operative Bank Members' Credit Card Visa	18.2%	£0	Min. limit £500, max. limit not specified.	18.2% APR (variable)	1p earned for every £2 spent in The Co-operative Food stores (excluding in-store concessions) and 1p earned for every £3.33 spent anywhere else. Cashback will be added to your share of the Group profits and this will be paid to you twice a year. Representative example: When you spend £1,200 at a purchase rate of 18.2% (variable) p.a., your representative rate is 18.2% APR (variable).	Read review	Compare	loading Fetching your data...
AIB Options 1 Credit Card	18.9%	£0	Min. limit £500, max. limit not specified.	18.9% APR (variable)	0.5% after £5000 of yearly spend. Minimum of 12 transactions per year required. Maximum of £250 cashback paid per year. Cashback paid Anniversary into Card Account. For initial £5K a £25 cashback is paid, plus an additional £1 for every further £200 spent. Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).	Read review	Compare	loading Fetching your data...

Name	Ratings	Finder rating	Customer rating	Annual/monthly fees	Initial credit limits	Minimum income	Representative APR	Incentive	Link
Barclaycard Forward Credit Card	Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	£0	Min. limit £50, max. limit £1,200.	£3000	33.9%	Rate discounts: 3% interest rate reduction if you make all your repayments on time for the first year, and a further drop of up to 2% more if you continue to do so in the second year. Representative example: When you spend £1,200 at a purchase rate of 33.9% (variable) p.a., your representative rate is 33.9% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
The Credit Thing card	Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	£0	Min. limit £200, max. limit £1,500.	Not specified	27.9%	Representative example: When you spend £1,200 at a purchase rate of 27.9% (variable) p.a., your representative rate is 27.9% APR (variable).	Read review	Compare	loading Fetching your data...
TSB Classic Credit Card Mastercard	Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	£0	Min. limit £500, max. limit not specified.	Not specified	28.9%	Representative example: When you spend £1,200 at a purchase rate of 28.95% (variable) p.a., your representative rate is 28.9% APR (variable).	Read review	Compare	loading Fetching your data...
Sainsbury's Bank Everyday Credit Card Mastercard	User survey ★★★★★	Not yet rated	★★★★★ User rating	£0	Min. limit not specified, max. limit not specified.	£10000	29.4%	Earn 1 Nectar point per £2 spent in Sainsbury's and Argos, and 1 Nectar point for every £5 spent elsewhere. Additional points can be earned by also using the Nectar card or app at the time of transaction. 1 point = 0.5p (min 500pts) Representative example: When you spend £1,200 at a purchase rate of 29.4% (variable) p.a., your representative rate is 29.4% APR (variable).	Read review	Compare	loading Fetching your data...
Vanquis Bank Chrome Credit Card	Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	£0	Min. limit £500, max. limit £1,500.	Not specified	29.5%	Representative example: When you spend £250 at a purchase rate of 29.5% (variable) p.a., your representative rate is 29.5% APR (variable).	Read review	Compare	loading Fetching your data...
Tesco Bank Foundation Card	Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	£0	Min. limit £250, max. limit not specified.	£5000	29.9%	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 29.94% (variable) p.a., your representative rate is 29.9% APR (variable).	Read review	Compare	loading Fetching your data...
Tymit Credit Card	Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	£0	Min. limit £500, max. limit £15,000.	Not specified	29.9%	Representative Example: 29.9% (variable) based on a borrowing of £1200 over 12 months with no annual fee.	Read review	Compare	loading Fetching your data...
Bip Credit Card Mastercard	Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	£0	Min. limit £250, max. limit not specified.	£5000	29.9%	Representative example: When you spend £1,200 at a purchase rate of 29.95% (variable) p.a., your representative rate is 29.9% APR (variable).	Read review	Compare	loading Fetching your data...
HSBC Classic Credit Card	Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	£0	Min. limit £250, max. limit £1,000.	£6800	29.9%	Discounts and exclusive offers for dining experiences, leisure activities and shopping available through HSBC Home and Away. Representative example: When you spend £1,200 at a purchase rate of 29.9% (variable) p.a., your representative rate is 29.9% APR (variable).	Read review	Compare	loading Fetching your data...
Keebo credit card Finder Award	Not yet rated	Not yet rated	Not yet rated	£0	Min. limit £100, max. limit £5,000.	Not specified	29.98%	Representative example: When you spend £1,200 at a purchase rate of 29.98% (variable) p.a., your representative rate is 29.98% APR (variable).	Read review	Compare	loading Fetching your data...
118 118 Money Guaranteed Rate Card	Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	£0	Min. limit £500, max. limit not specified.	£8400	34%	Representative example: When you spend £1,200 at a purchase rate of 34% (variable) p.a., your representative rate is 34% APR (variable).	Read review	Compare	loading Fetching your data...
Asda Money Select Credit Card	User survey ★★★★★	Not yet rated	★★★★★ User rating	£0	Min. limit £250, max. limit £5,000.	Not specified	34.9%	Earn 1% back in Asda Pounds when shopping at Asda, earn 0.3% on non-Asda spend. 1 Asda Pound = £1 (min £1) Representative example: When you spend £1,200 at a purchase rate of 34.9% (variable) p.a., your representative rate is 34.9% APR (variable).	Read review	Compare	loading Fetching your data...
Marbles Card	Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	£0	Min. limit £250, max. limit £1,200.	Not specified	34.9%	You could get a credit limit increase after three months. Choose a monthly repayment date that suits you and change it up to twice a year. Representative example: Assumed credit limit £1,200, representative 34.9% APR (variable), purchase rate 34.95% p.a. (variable). Please note: you can’t have two Marbles accounts or open a Marbles account within 12 months of opening an Aqua, Fluid or Opus account, issued by New Day	Read review	Compare	loading Fetching your data...
Aqua Advance credit card	Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	£0	Min. limit £250, max. limit £1,200.	£5000	34.9%	Reduce your rate over three years if you stay within your credit limit and pay on time. No extra fees on what you spend abroad. Representative example: When you spend £1,200 at a purchase rate of 34.95% (variable) p.a., your representative rate is 34.9% APR (variable).	Read review	Compare	loading Fetching your data...
Aqua Classic Balance Transfer Card	Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	£0	Min. limit £250, max. limit £1,200.	Not specified	34.9%	Representative example: Assumed credit limit £1,200, representative 34.9% APR (variable), purchase rate 34.95% p.a. (variable). Please note: you can’t have two Aqua accounts or open an Aqua account within 12 months of opening a Marbles, Fluid or Opus account, issued by New Day	Read review	Compare	loading Fetching your data...
Post Office Classic Card	Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	£0	Min. limit £200, max. limit £8,000.	Not specified	34.9%	Representative example: When you spend £1,200 at a purchase rate of 34.94% (variable) p.a., your representative rate is 34.9% APR (variable).	Read review	Compare	loading Fetching your data...
Aqua Classic Credit Card	Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	£0	Min. limit £250, max. limit £1,200.	Not specified	34.9%	Representative example: Assumed credit limit £1,200, representative 34.9% APR (variable), purchase rate 34.95% p.a. (variable). Please note: you can’t have two Aqua accounts or open an Aqua account within 12 months of opening a Marbles, Fluid or Opus account, issued by New Day	Read review	Compare	loading Fetching your data...
Zopa Credit Card Visa	Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	£0	Min. limit £200, max. limit £1,500.	£10000	34.9%	Representative example: When you spend £1,200 at a purchase rate of 34.9% (variable) p.a., your representative rate is 34.9% APR (variable).	Read review	Compare	loading Fetching your data...
Fluid Credit Card	Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	£0	Min. limit £250, max. limit not specified.	£5000	34.9%	Representative example: When you spend £1,200 at a purchase rate of 34.94% (variable) p.a., your representative rate is 34.9% APR (variable).	Read review	Compare	loading Fetching your data...
Capital One Classic Credit Card	Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	£0	Min. limit £200, max. limit £1,500.	Not specified	34.9%	Representative example: Assuming a credit limit of £1,200 and an interest rate on purchases of 34.94% p.a. variable, you will receive a 34.9% APR representative variable.	Read review	Compare	loading Fetching your data...

Name	Purchases	Annual/monthly fees	Initial credit limits	Representative APR	Incentive	Link
British Airways American Express® Premium Plus Card Finder Award	29.7%	£250 per annum	Min. limit £700, max. limit not specified.	110.7% APR (variable)	Earn 25,000 bonus Avios when you spend £3,000 in your first 3 months of Cardmembership. Terms apply. 18+, subject to status. New Cardmembers Only Representative example: When you spend £1,200 at a purchase rate of 29.7% (variable) p.a. with a fee of £250 per annum, your representative rate is 110.7% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
British Airways American Express® Credit Card Finder Award	29.7%	£0	Min. limit £700, max. limit not specified.	29.7% APR (variable)	Earn 1 Avios for virtually every £1 spent. Spend £12K each year and get a travel companion voucher when redeeming Avios for a BA reward flight. - Earn up to 90,000 bonus Avios points per calendar year, 4,000 points per friend/family member that successfully applies for an American Express card (Excl. Basic card) and uses the Referral Programme. Avios value varies dependent on reward (min 1000pts for flights) Representative example: When you spend £1,200 at a purchase rate of 29.7% (variable) p.a., your representative rate is 29.7% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
Virgin Money Virgin Atlantic Reward Plus Credit Card	26.9%	£160 per annum	Min. limit not specified, max. limit not specified.	69.7% APR (variable)	Earn an additional 15,000 Bonus Points when you spend £3,000 within the first 90 days of account opening until 13th June 2023. Earn 15,000 bonus points with your first card purchase made within 90 days of account opening. Earn 1.5 Flying Club miles for every £1 spend and 3 miles for every £1 spend with Virgin Atlantic and Virgin Holidays. Spend £10K a year on your card and choose an extra benefit - an upgrade to Premium, or a Companion ticket. Points value varies dependent on reward (min 3000pts) Representative example: When you spend £1,200 at a purchase rate of 26.9% (variable) p.a. with a fee of £160 per annum, your representative rate is 69.7% APR (variable).	Read review	Compare	loading Fetching your data...
Barclaycard Avios Plus Card	27.9%	£20 per month	Min. limit £50, max. limit not specified.	77.6% APR (variable)	Earn 25,000 Avios when £3,000 spent on card over the first 3 months of opening. Earn 1.5 Avios for every £1 you spend. Spend £10,000 or more during the year and receive a British Airways cabin upgrade voucher to use on an Avios Reward Flight booking, or 7000 bonus Avios. Avios value varies dependent on reward (min 1000pts for flights) Representative example: When you spend £1,200 at a purchase rate of 27.9% (variable) p.a. with a fee of £20 per month, your representative rate is 77.6% APR (variable).	Read review	Compare	loading Fetching your data...
Barclaycard Avios Card	27.9%	£0	Min. limit £50, max. limit not specified.	27.9% APR (variable)	Earn 5,000 Avios when £1,000 spent on card over the first 3 months of opening. Earn 1 Avios for every £1 you spend. Spend £20,000 or more during the year and receive a British Airways cabin upgrade voucher to use on an Avios Reward Flight booking, or 7000 bonus Avios. Avios value varies dependent on reward (min 1000pts for flights) Representative example: When you spend £1,200 at a purchase rate of 27.9% (variable) p.a., your representative rate is 27.9% APR (variable).	Read review	Compare	loading Fetching your data...
Virgin Money Virgin Atlantic Reward Credit Card	26.9%	£0	Min. limit not specified, max. limit not specified.	26.9% APR (variable)	Earn 0.75 Flying Club miles for every £1 spend and 1.5.miles for every £1 spend with Virgin Atlantic or Virgin Holidays. Spend £20K a year on your card and choose an extra benefit - an upgrade to Premium, or a Companion ticket. Points value varies dependent on reward (min 3000pts) Representative example: When you spend £1,200 at a purchase rate of 26.9% (variable) p.a., your representative rate is 26.9% APR (variable).	Read review	Compare	loading Fetching your data...

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