|
|
|
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 20 months reverting to 19.9%
|
2.9% (min. £5)
|
0% for 20 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 20 months reverting to 19.9%
|
0%
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 20 months reverting to 19.9%.
|
0%
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 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%
|
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 18 months reverting to 18.9%
|
2.9% (min. £5)
|
0% for 9 months reverting to 18.9%
|
£0
|
18.9% (variable)
|
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. Earn double points on selected insurances taken out through John Lewis Financial Services. 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 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 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).
|
|
|
|
|
Ulster Bank Longer Balance Transfer Credit Card Mastercard
|
|
0% for 28 months reverting to 19.9%
|
0%
|
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 20 months reverting to 19.9%
|
0%
|
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 18 months reverting to 19.94%
|
3% for 3 months reverting to 5%
|
0% for 18 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 26 months reverting to 19.95%
|
3% (min. £3)
|
0% for 3 months reverting to 19.95%
|
£0
|
19.9% (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 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 28 months reverting to 19.9%
|
2.85% (min. £5)
|
0% for 6 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 24 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 26 months reverting to 21.814%
|
2.98% for 26 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 19.95%
|
3% for 3 months reverting to 5%
|
0% for 18 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).
|
|
|
|
|
NatWest Longer Balance Transfer Credit Card Mastercard
|
|
0% for 28 months reverting to 19.9%
|
0%
|
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 24 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 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 28 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).
|
|
|
|
|
Royal Bank of Scotland Longer Balance Transfer Credit Card Mastercard
|
|
0% for 28 months reverting to 19.9%
|
0%
|
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 18 months reverting to 19.95%
|
3% for 3 months reverting to 5%
|
0% for 18 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 26 months reverting to 19.94%
|
1.4% 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 25 months reverting to 20.95%
|
1.99% (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 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 20 months reverting to 20.95%
|
3% (min. £3)
|
0% for 20 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 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 19 months reverting to 20.93%
|
2.5% for 2 months reverting to 5%
|
0% for 19 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).
|
|
|
|
|
|
|
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 26 months reverting to 21.9%
|
3% for 2 months reverting to 5%
|
0% for 3 months reverting to 21.9%
|
£0
|
21.9% (variable)
|
Earn cashback when you shop online with over 500 top brands with Virgin Money Back. Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
|
|
|
|
|
|
|
0% for 24 months reverting to 21.9%
|
1.25% for 2 months reverting to 5%
|
0% for 3 months reverting to 21.9%
|
£0
|
21.9% (variable)
|
Earn cashback when you shop online with over 500 top brands with Virgin Money Back. Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
|
|
|
|
|
|
|
0% for 6 months reverting to 21.9%
|
2% (min. £5)
|
0% for 6 months reverting to 21.9%
|
£0
|
21.9% (variable)
|
Earn 1 point for every £5 spent on purchases. Bonus 2,500 reward points on anniversary if £10,000 spent in previous year for first 5 years. Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
|
|
|
|
|
|
|
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)
|
Earn cashback when you shop online with over 500 top brands with Virgin Money Back. Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
|
|
|
|
|
|
|
0% for 6 months reverting to 22.9%
|
3% for 2 months reverting to 5%
|
22.9%
|
£0
|
22.9% (variable)
|
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. Earn an additional 2,000 bonus miles if you spend £1K within 90 days of opening until 31.10.19. 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 22.93%
|
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 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).
|
|
|
|
|
Debenhams Mastercard
|
|
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 12 months reverting to 24.93%
|
2.9%
|
0% for 3 months reverting to 24.93%
|
£0
|
24.9% (variable)
|
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).
|
|
|
|
|
|
|
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 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)
|
Earn cashback when you shop online with over 500 top brands with Virgin Money Back. Representative example: When you spend £1,200 at a purchase rate of 27.9% (variable) p.a., your representative rate is 27.9% APR (variable).
|
|
|
|
|
|
|
0% for 15 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)
|
Earn cashback when you shop online with over 500 top brands with Virgin Money Back. Representative example: When you spend £1,200 at a purchase rate of 27.9% (variable) p.a., your representative rate is 27.9% APR (variable).
|
|
|
|
|
|
|
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 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).
|
|
|
|
