|
|
|
0% for 18 months reverting to 19.9%
|
0.49%
Transfers must be made within 3 months of account opening
|
0% for 3 months reverting to 19.9% p.a. (variable)
|
£0
|
19.9% (variable)
|
Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable), 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%
|
£0
|
19.9% (variable)
|
Double points on spend in M&S for first 12 months (2 points per £1). Then earn 1 point for every £1 spent at Marks and Spencer's and 1 point for every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year. Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).
|
|
|
|
|
|
|
0% for 18 months reverting to 19.9%
|
0.49%
Transfers must be made within 3 months of account opening
|
0% for 3 months reverting to 19.9% p.a. (variable)
|
£0
|
19.9% (variable)
|
Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable), your representative rate is 19.9% APR (variable).
|
|
|
|
|
|
|
0% for 25 months reverting to 19.9%
|
2.85% (min. £5)
|
0% for 3 months reverting to 19.9%
|
£0
|
19.9% (variable)
|
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).
|
|
|
|
|
|
|
0% for 16 months reverting to 19.9%
|
2.9% (min. £5)
|
0% for 18 months reverting to 19.9%
|
£0
|
19.9% (variable)
|
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).
|
|
|
|
|
|
|
0% for 3 months reverting to 7.95%
|
0% for 3 months reverting to 3%
|
0% for 3 months reverting to 7.95%
|
£0
|
7.9% (variable)
|
Representative example: When you spend £1,200 at a purchase rate of 7.95% (variable) p.a., your representative rate is 7.9% APR (variable).
|
|
|
|
|
|
|
0% for 9 months reverting to 17.9%
|
5% (min. £5)
|
0% for 3 months reverting to 17.9%
|
£0
|
17.9% (variable)
|
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 18 months reverting to 18.9%
|
0% for 18 months reverting to 3% (min. £5)
|
0% for 3 months reverting to 18.9%
|
£0
|
18.9% (variable)
|
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).
|
|
|
|
|
|
|
0% for 18 months reverting to 18.9%
|
2.9% (min. £5)
|
0% for 9 months reverting to 18.9%
|
£0
|
18.9% (variable)
|
Earn 5 points for every £4 spent in store or online at John Lewis, Waitrose and John Lewis Insurance. Earn 1 Point for every £4 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 18 months reverting to 18.9%
|
1.4% (min. £5)
|
0% for 9 months reverting to 18.9%
|
£0
|
18.9% (variable)
|
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 1 months reverting to 18.9%
|
3% (min. £5)
|
0% for 12 months reverting to 18.9%
|
£0
|
18.9% (variable)
|
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).
|
|
|
|
|
|
|
0% for 22 months reverting to 19.94%
|
1.99% for 3 months reverting to 5%
|
0% for 9 months reverting to 19.94%
|
£0
|
19.9% (variable)
|
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 17 months reverting to 19.95%
|
2.99% for 3 months reverting to 5%
|
0% for 17 months reverting to 19.95%
|
£0
|
19.9% (variable)
|
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 22 months reverting to 19.95%
|
1.99% for 3 months reverting to 5%
|
0% for 9 months reverting to 19.95%
|
£0
|
19.9% (variable)
|
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 23 months reverting to 19.95%
|
1.5% for 3 months reverting to 5%
|
0% for 9 months reverting to 19.95%
|
£0
|
19.9% (variable)
|
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 23 months reverting to 19.9%
|
1.99%
|
0% for 3 months reverting to 19.9%
|
£0
|
19.9% (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).
|
|
|
|
|
|
|
0% for 3 months reverting to 21.814%
|
2.9% for 3 months reverting to 3.99%
|
0% for 18 months reverting to 19.944%
|
£0
|
19.9% (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 19.944% (variable) p.a., your representative rate is 19.9% APR (variable).
|
|
|
|
|
|
|
0% for 17 months reverting to 19.94%
|
2.99% for 3 months reverting to 5%
|
0% for 17 months reverting to 19.94%
|
£0
|
19.9% (variable)
|
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 23 months reverting to 19.9%
|
1.99%
|
0% for 3 months reverting to 19.9%
|
£0
|
19.9% (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).
|
|
|
|
|
|
|
0% for 17 months reverting to 19.95%
|
2.99% for 3 months reverting to 5%
|
0% for 17 months reverting to 19.95%
|
£0
|
19.9% (variable)
|
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 15 months reverting to 21.814%
|
1.99% for 15 months reverting to 3.99% (min. £3)
|
0% for 15 months reverting to 19.944%
|
£0
|
19.9% (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 19.944% (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%
|
£0
|
19.9% (variable)
|
Representative example: When you spend £1,200 at a rate of 19.95% (variable) per annum, your representative APR is 19.9% APR (variable).
|
|
|
|
|
|
|
0% for 23 months reverting to 19.9%
|
1.99%
|
0% for 3 months reverting to 19.9%
|
£0
|
19.9% (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).
|
|
|
|
|
|
|
0% for 22 months reverting to 21.814%
|
2.98% for 22 months reverting to 3.99%
|
19.944%
|
£0
|
19.9% (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 19.944% (variable) p.a., your representative rate is 19.9% APR (variable).
|
|
|
|
|
|
|
0% for 18 months reverting to 19.9%
|
0.49%
|
0% for 3 months reverting to 19.9%
|
£0
|
19.9% (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).
|
|
|
|
|
|
|
0% for 29 months reverting to 19.95%
|
2.95% for 3 months reverting to 3%
|
0% for 3 months reverting to 19.95%
|
£0
|
19.9% (variable)
|
Representative example: When you spend £1,200 at a rate of 19.95% (variable) per annum, your representative APR is 19.9% APR (variable).
|
|
|
|
|
|
|
0% for 25 months reverting to 20.95%
|
1.85% (min. £3) for 3 months reverting to 1% (min. £3)
|
0% for 3 months reverting to 20.95%
|
£0
|
20.9% (variable)
|
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 3 Nectar points per £1 spent in Sainsbury's and Argos. 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 18 months reverting to 20.95%
|
0% for 3 months reverting to 1% (min. £3)
|
0% for 3 months reverting to 20.95%
|
£0
|
20.9% (variable)
|
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 3 Nectar points per £1 spent in Sainsbury's and Argos. 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 18 months reverting to 20.93%
|
2.75% for 2 months reverting to 5%
|
0% for 18 months reverting to 20.93%
|
£0
|
20.9% (variable)
|
Introductory 0% purchase offer only applies to purchases made within 60 days of opening. Representative example: When you spend £1,200 at a purchase rate of 20.93% (variable) p.a., your representative rate is 20.9% APR (variable).
|
|
|
|
|
Sainsbury's Bank Nectar Reward Credit Card
|
|
0% for 17 months reverting to 20.95%
|
3% (min. £3)
|
0% for 17 months reverting to 20.95%
|
£0
|
20.9% (variable)
|
Earn 10,000 Nectar points if £400 spent at Sainsbury's, Argos or Tu Clothing during first two months of opening. Earn up to 3 Nectar points per £1 spent at Sainsbury's and Argos. 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 26 months reverting to 15.9%
|
0% for 26 months reverting to 3% (min. £5)
|
0% for 26 months reverting to 15.9%
|
£3 per month
|
21.7% (variable)
|
0.5% after £1 of monthly spend. Cashback paid Monthly into Card Account. Maximum spend for cashback purposes is limited to credit limit. Representative example: When you spend £1,200 at a purchase rate of 15.9% (variable) p.a. with a fee of £3 per month, your representative rate is 21.7% APR (variable).
|
|
|
|
|
|
|
0% for 6 months reverting to 21.9%
|
2% (min. £5)
|
0% for 6 months reverting to 21.9%
|
£0
|
21.9% (variable)
|
Earn up to 10 points for every £1 spent at selected retailers and 1 point for every £5 spent elsewhere. 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).
|
|
|
|
|
|
|
0% for 22 months reverting to 21.9%
|
3% for 2 months reverting to 5%
|
0% for 3 months reverting to 21.9%
|
£0
|
21.9% (variable)
|
Enjoy exclusive offers and rewards on the Virgin Red app. 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).
|
|
|
|
|
|
|
0% for 18 months reverting to 21.9%
|
2.9% for 2 months reverting to 5%
|
0% for 15 months reverting to 21.9%
|
£0
|
21.9% (variable)
|
Enjoy exclusive offers and rewards on the Virgin Red app. 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).
|
|
|
|
|
|
|
0% for 20 months reverting to 21.9%
|
1% for 2 months reverting to 5%
|
0% for 3 months reverting to 21.9%
|
£0
|
21.9% (variable)
|
Enjoy exclusive offers and rewards on the Virgin Red app. 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).
|
|
|
|
|
|
|
0% for 20 months reverting to 21.95%
|
3% (min. £3)
|
0% for 20 months reverting to 21.95%
|
£0
|
21.9% (variable)
|
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 3 Nectar points per £1 spent in Sainsbury's and Argos. Earn 1 Nectar point for every £5 spent elsewhere. Representative example: When you spend £1,200 at a purchase rate of 21.95% (variable) p.a., your representative rate is 21.9% APR (variable).
|
|
|
|
|
|
|
0% for 27 months reverting to 21.95%
|
3% (min. £3)
|
0% for 3 months reverting to 21.95%
|
£0
|
21.9% (variable)
|
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 3 Nectar points per £1 spent in Sainsbury's and Argos. Earn 1 Nectar point for every £5 spent elsewhere. Representative example: When you spend £1,200 at a purchase rate of 21.95% (variable) p.a., your representative rate is 21.9% APR (variable).
|
|
|
|
|
|
|
0% for 6 months reverting to 22.9%
|
3% for 2 months reverting to 5%
|
22.9%
|
£0
|
22.9% (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. 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).
|
|
|
|
|
|
|
0% for 5 months reverting to 22.85%
|
0%
|
0% for 5 months reverting to 22.85%
|
£0
|
22.9% (variable)
|
Representative example: When you spend £1,200 at a purchase rate of 22.85% (variable) p.a., your representative rate is 22.9% APR (variable).
|
|
|
|
|
|
|
0% for 12 months reverting to 22.9%
|
3% (min. £3)
|
22.9%
|
£0
|
22.9% (variable)
|
Receive 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 and 2 IHG Rewards Club points for every £1 spent abroad. Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).
|
|
|
|
|
|
|
0% for 12 months reverting to 22.93%
|
4% for 2 months reverting to 5%
|
22.93%
|
£0
|
22.9% (variable)
|
Representative example: When you spend £1,200 at a purchase rate of 22.93% (variable) p.a., your representative rate is 22.9% APR (variable).
|
|
|
|
|
|
|
0% for 12 months reverting to 24.94%
|
2.99% for 12 months reverting to 5%
|
24.94%
|
£0
|
24.9% (variable)
|
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).
|
|
|
|
|
|
|
0% for 10 months reverting to 26.95%
|
2.95% for 3 months reverting to 3%
|
0% for 10 months reverting to 26.95%
|
£0
|
26.9% (variable)
|
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).
|
|
|
|
|
|
|
0% for 12 months reverting to 27.9%
|
2.9% for 2 months reverting to 5%
|
0% for 12 months reverting to 27.9%
|
£0
|
27.9% (variable)
|
Enjoy exclusive offers and rewards on the Virgin Red app. 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).
|
|
|
|
|
|
|
0% for 16 months reverting to 27.9%
|
3% for 2 months reverting to 5%
|
0% for 3 months reverting to 27.9%
|
£0
|
27.9% (variable)
|
Enjoy exclusive offers and rewards on the Virgin Red app. 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).
|
|
|
|
|
|
|
0% for 9 months reverting to 34.94%
|
4% for 9 months reverting to 5%
|
34.94%
|
£0
|
34.9% (variable)
|
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).
|
|
|
|
|
|
|
0% for 6 months reverting to 34.94%
|
3%
|
34.94%
|
£0
|
34.9% (variable)
|
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).
|
|
|
|
|
|
|
0% for 18 months reverting to 18.9%
|
0% for 18 months reverting to 3% (min. £5)
|
0% for 18 months reverting to 18.9%
|
£15 per month
|
49.8% (variable)
|
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).
|
|
|
|
|
|
|
0% for 6 months reverting to 22.9%
|
3% for 2 months reverting to 5%
|
22.9%
|
£160 per annum
|
63.9% (variable)
|
Earn 15,000 bonus miles 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. Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a. with a fee of £160 per annum, your representative rate is 63.9% APR (variable).
|
|
|
|
