|
|
|
0% for 20 months reverting to 19.9%
|
0% for 20 months reverting to 19.9%
|
£0
|
19.9% p.a. (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 6 months reverting to 19.9%
|
0% for 6 months reverting to 19.9%
|
£0
|
19.9% p.a. (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 or every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.
|
Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).
|
|
|
|
|
|
0% for 27 months reverting to 19.9%
|
0% for 27 months reverting to 19.9%
|
£0
|
19.9% p.a. (variable)
|
|
Buy tickets for up to 3500 selected live events through Barclaycard entertainment and get 5% off tickets per year and exclusive pre-sale tickets on selected festivals with 10% off ticket prices.
|
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 26 months reverting to 20.93%
|
0% for 26 months reverting to 20.93%
|
£0
|
20.9% p.a. (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 15.9%
|
£3 per month
|
21.7% p.a. (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 25 months reverting to 20.95%
|
0% for 25 months reverting to 20.95%
|
£0
|
20.9% p.a. (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 24 months reverting to 19.9%
|
0% for 24 months reverting to 19.9%
|
£0
|
19.9% p.a. (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 19.944%
|
0% for 3 months reverting to 21.814%
|
£0
|
19.9% p.a. (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 22 months reverting to 20.95%
|
0% for 3 months reverting to 20.95%
|
£0
|
20.9% p.a. (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 19.95%
|
0% for 20 months reverting to 19.95%
|
£0
|
19.9% p.a. (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 21.9%
|
0% for 23 months reverting to 21.9%
|
£0
|
21.9% p.a. (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 20 months reverting to 21.9%
|
0% for 12 months reverting to 21.9%
|
£0
|
21.9% p.a. (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 20 months reverting to 19.94%
|
0% for 20 months reverting to 19.94%
|
£0
|
19.9% p.a. (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 20 months reverting to 19.95%
|
0% for 20 months reverting to 19.95%
|
£0
|
19.9% p.a. (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%
|
0% for 20 months reverting to 19.95%
|
£0
|
19.9% p.a. (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 18 months reverting to 22.9%
|
0% for 18 months reverting to 22.9%
|
£0
|
22.9% p.a. (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 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).
|
|
|
|
|
|
0% for 18 months reverting to 18.9%
|
0% for 18 months reverting to 18.9%
|
£15 per month
|
49.8% p.a. (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 17 months reverting to 16.9%
|
16.9%
|
£0
|
16.9% p.a. (variable)
|
|
Earn cashback with selected retailers via Visa Offers, customers can register up to five separate first direct Visa cards.
|
Representative example: When you spend £1,200 at a purchase rate of 16.9% (variable) p.a., your representative rate is 16.9% APR (variable).
|
|
|
|
|
|
0% for 17 months reverting to 27.9%
|
0% for 20 months reverting to 27.9%
|
£0
|
27.9% p.a. (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 16 months reverting to 27.9%
|
0% for 16 months reverting to 27.9%
|
£0
|
27.9% p.a. (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).
|
|
|
|
Virgin Money 16 Month Purchase Credit Card Mastercard
|
|
0% for 16 months reverting to 27.9%
|
0% for 12 months reverting to 27.9%
|
£0
|
27.9% p.a. (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 19.944%
|
0% for 15 months reverting to 21.814%
|
£0
|
19.9% p.a. (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 12 months reverting to 21.9%
|
0% for 12 months reverting to 21.9%
|
£0
|
21.9% p.a. (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 12 months reverting to 17.9%
|
0% for 12 months reverting to 17.9%
|
£0
|
17.9% p.a. (variable)
|
|
Customers will be able to earn commission-free purchases abroad by using their Credit Card each time they make a purchase in Sterling. The calculation will be based on a 5:1 ratio - for example, £5 spent in Sterling will earn an allowance of £1 commission free-purchases abroad. Purchases abroad beyond the earned amount will be charged 2% commission.
|
Representative example: When you spend £1,200 at a purchase rate of 17.9% (variable) p.a., your representative rate is 17.9% APR (variable).
|
|
|
|
|
|
0% for 12 months reverting to 19.94%
|
0% for 24 months reverting to 19.94%
|
£0
|
19.9% p.a. (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 12 months reverting to 19.95%
|
0% for 25 months reverting to 19.95%
|
£0
|
19.9% p.a. (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 12 months reverting to 15.9%
|
0% for 12 months reverting to 15.9%
|
£0
|
15.9% p.a. (variable)
|
|
|
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% for 1 months reverting to 18.9%
|
£0
|
18.9% p.a. (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 12 months reverting to 19.944%
|
0% for 12 months reverting to 21.814%
|
£0
|
19.9% p.a. (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 12 months reverting to 19.95%
|
0% for 24 months reverting to 19.95%
|
£0
|
19.9% p.a. (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 10 months reverting to 26.95%
|
0% for 10 months reverting to 26.95%
|
£0
|
26.9% p.a. (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 9 months reverting to 18.9%
|
0% for 18 months reverting to 18.9%
|
£0
|
18.9% p.a. (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. Earn double points at John Lewis and Waitrose for first 90 days if card applied for by 29.2.20.
|
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 9 months reverting to 18.9%
|
0% for 18 months reverting to 18.9%
|
£0
|
18.9% p.a. (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 6 months reverting to 19.94%
|
0% for 28 months reverting to 19.94%
|
£0
|
19.9% p.a. (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 6 months reverting to 19.94%
|
0% for 15 months reverting to 19.94%
|
£0
|
19.9% p.a. (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 6 months reverting to 27.95%
|
0% for 16 months reverting to 27.95%
|
£0
|
27.9% p.a. (variable)
|
|
|
Representative example: When you spend £1,200 at a purchase rate of 27.95% (variable) p.a., your representative rate is 27.9% APR (variable).
|
|
|
|
|
|
0% for 6 months reverting to 19.9%
|
N/A
|
Year 1 - £0, Year 2 onwards - £32 per annum
|
26.4% p.a. (variable)
|
|
Business Rewards - giving a range of discounts and rebates (up to 66% off AA membership, save 20% on B2B marketing sites and access to 99 UK business credit reports for £75, 5% Avis rebate, 15% off Ryman's stationary, up to 15% off with APH, £60 driving credit and first year membership free with Zipcar, first year of FSB registration free, 20% off bPay by Barclaycard device, up to 15% off ecommerce website with cloudBuy, 5% rebate on online advertising spend with Bing, 10% off selected hotel reservations for business trips with booking.com, 4% rebate at over 5,000 hotels and 10,000 restaurants and 1% rebate at petrol stations at selected locations with the USA and Canada with Mastercard, 3% off business flights with flybmi and 25% off first £200 spend at Amazon Business).
|
Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £32 per annum, your representative rate is 26.4% APR (variable).
|
|
|
|
|
|
0% for 6 months reverting to 19.9%
|
0% for 18 months reverting to 19.9%
|
£0
|
19.9% p.a. (variable)
|
|
Buy tickets for up to 3500 selected live events through Barclaycard entertainment and get 5% off tickets per year and exclusive pre-sale tickets on selected festivals with 10% off ticket prices.
|
Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).
|
|
|
|
|
|
0% for 6 months reverting to 19.95%
|
0% for 15 months reverting to 19.95%
|
£0
|
19.9% p.a. (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 6 months reverting to 27.95%
|
0% for 16 months reverting to 27.95%
|
£0
|
27.9% p.a. (variable)
|
|
|
Representative example: When you spend £1,200 at a purchase rate of 27.95% (variable) p.a., your representative rate is 27.9% APR (variable).
|
|
|
|
|
|
0% for 6 months reverting to 17.9%
|
0% for 6 months reverting to 17.9%
|
£0
|
17.9% p.a. (variable)
|
|
A one-off payment to Rugby Club/school of choice plus percentage of annual turnover.
|
Representative example: When you spend £1,200 at a purchase rate of 17.9% (variable) p.a., your representative rate is 17.9% APR (variable).
|
|
|
|
|
|
0% for 6 months reverting to 19.9%
|
0% for 28 months reverting to 19.9%
|
£0
|
19.9% p.a. (variable)
|
|
Earn 1 point for every £1 spent at Marks and Spencer's and 1 point or every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.
|
Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).
|
|
|
|
|
|
0% for 6 months reverting to 14.9%
|
N/A
|
£100 per annum
|
36.2% p.a. (variable)
|
|
0.5% after £1 of yearly spend. Maximum of £400 cashback paid per year. Cashback paid Anniversary into Card Account.
|
Representative example: When you spend £1,200 at a purchase rate of 14.9% (variable) p.a. with a fee of £100 per annum, your representative rate is 36.2% APR (variable).
|
|
|
|
|
|
0% for 6 months reverting to 21.9%
|
0% for 6 months reverting to 21.9%
|
£0
|
21.9% p.a. (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 6 months reverting to 19.9%
|
0% for 28 months reverting to 19.9%
|
£0
|
19.9% p.a. (variable)
|
|
Buy tickets for up to 3500 selected live events through Barclaycard entertainment and get 5% off tickets per year and exclusive pre-sale tickets on selected festivals with 10% off ticket prices. Save 5% on food and drink at all UK 02 Academy venues.
|
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).
|
|
|
