What does “up to 55 days interest-free” really mean?

When you start making purchases on your new credit card, you’ll receive your monthly statement with a date before which you must pay at least a minimum payment towards your outstanding balance. But if you clear the full balance (rather than making a part-payment towards it), you usually won’t pay any interest at all on your purchases. As such, a purchase made right at the start of your billing cycle could remain interest-free for as much as 56 days.

How to use your interest-free days

1. Make eligible purchases. Your interest-free period applies to purchase transactions, but usually excludes balance transfers, cash advances (using your credit card to withdraw cash or get cash out at the till) and sometimes utility payments and government charges. Interest usually starts to accrue on those types of transactions from the moment they take place.
2. Pay your statement in full. You must clear your entire credit card balance by the payment due date on each statement to be eligible for this interest-free period. Once you have an outstanding balance, the interest-free period no longer applies, and interest will accrue each day on all your transactions, backdated to the date on which you made the purchase.

It’s easy to get confused about this though, because many cards also come with an introductory, one-off interest-free promotion. So the card you’re thinking of getting might come with 24 months 0% interest on purchases AND up to 55 days 0% interest on purchases. In that scenario, the 55 interest-free days probably wouldn’t be of interest to you until after your introductory offer had expired.

You can use this guide to find answers to the most common questions about interest-free days, compare credit cards with interest-free days and learn about the key factors to be aware of when using an interest-free card.

The dos and don’ts of interest-free days

Paying your card bill by direct debit

When you get a new credit card, you’ll usually be given the chance to set up a direct debit to make repayments. It’s advisable to do so, because it guarantees that you won’t miss a payment, which would get you into hot water with your card issuer and damage your credit record.

You’ll usually be given two options:

1. Set up a direct debit to repay the minimum amount payable each month. The minimum payment, as specified in your terms and conditions, is typically a percentage of your outstanding balance or a specified figure – whichever is greater. For example “3% (minimum £5)”. If you only pay the minimum required amount, you won’t benefit from interest-free days and your debt will take longer to clear.
2. Set up a direct debit to repay the full balance each month. This option will allow you to benefit from interest-free days on eligible transactions.

Other key definitions you need to know

When you’re learning about interest-free days, you’ll often come across a number of other terms that relate to this feature. Here are some of the major ones to take note of:

• Statement period/billing cycle. The statement period usually runs for one month, or from when your last statement was issued to when the next one is issued.
• Statement issue date. This is the date on which the bank issues your monthly credit card statement.
• Payment due date. The date by which you must pay the balance to avoid late charges/fees. If you want to get interest-free days, you’ll usually have to pay your full balance by this date.
• Purchase rate. The interest rate charged on purchases, also referred to as the “standard” rate. Interest-free days help you avoid this cost.

What else do I need to know when using a credit card with interest-free days?

You can use a credit card with interest-free days to save on your account costs when you meet specific requirements. Here are the key details to keep in mind so you can make use of your interest-free days:

• Minimum monthly payments. You usually can’t get interest-free days for purchases if you only pay the minimum amount required on your statement, as most credit cards only offer this benefit when you pay your balance in full by the due date.
• Eligible purchases. Interest-free days are only available for “eligible purchases” made on your card. While this usually includes everyday spending at the supermarket, petrol station, restaurants and so on, exclusions typically apply for cash advance transactions, government payments and some bill payments. Check with your credit card provider for details on what is considered an “eligible purchase” for your card.
• Dates vary. Don’t expect all your credit cards to come with similar billing cycles and due dates. These dates can vary from one card to the next, even when issued by the same card issuer.
• Balance transfers. Usually, if you have a debt on your credit card from a balance transfer, you won’t be eligible for interest-free days on new purchases. If you want to transfer a balance and make purchases without interest, you could also consider a card with an introductory rate of 0% for purchases and balance transfers.

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Name	Product	Balance transfers	Balance transfer fee	Purchases	Annual/monthly fees	Rep. APR	Incentive	Link
M&S Bank Shopping Plus Mastercard		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).	Go to site More Info	Compare	loading Fetching your data...
The NatWest Balance Transfer Credit Card (eligibility criteria apply)		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).	Go to site More Info	Compare	loading Fetching your data...
The Royal Bank Balance Transfer Credit Card (eligibility criteria apply)		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).	Go to site More Info	Compare	loading Fetching your data...
HSBC Purchase Plus Credit Card Visa		0% for 18 months reverting to 22.9%	2.9% (min. £5) for transfers in first 60 days	0% for 18 months reverting to 22.9%	£0	22.9% (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).	Check eligibility More Info	Compare	loading Fetching your data...
Santander Everyday Credit Card Mastercard		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).	More Info	Compare	loading Fetching your data...
first direct Credit Card Visa		0% for 27 months reverting to 18.9%	2.29% (min. £5) for 3 months reverting to 2.9% (min. £5)	18.9%	£0	18.9% (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 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).	More Info	Compare	loading Fetching your data...
John Lewis and Waitrose Partnership Mastercard		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).	More Info	Compare	loading Fetching your data...
HSBC Premier Credit Card Mastercard		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).	More Info	Compare	loading Fetching your data...
Tesco Bank Clubcard Credit Card for 26 Months Balance Transfer Mastercard		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).	More Info	Compare	loading Fetching your data...
Bank of Scotland Platinum 0% Purchase and Balance Transfer Mastercard		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).	More Info	Compare	loading Fetching your data...
Halifax 0% Purchase and Balance Transfer Mastercard		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).	More Info	Compare	loading Fetching your data...
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).		Compare	loading Fetching your data...
Bank of Scotland Platinum Low Fee 0% Balance Transfer Mastercard		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).	More Info	Compare	loading Fetching your data...
Nationwide Member Credit Card Balance Transfer Offer		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% (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).	More Info	Compare	loading Fetching your data...
TSB Platinum Purchase Card		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).	More Info	Compare	loading Fetching your data...
TSB Platinum Balance Transfer Card		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).	More Info	Compare	loading Fetching your data...
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).		Compare	loading Fetching your data...
Halifax Low Fee 0% Balance Transfer Mastercard		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).	More Info	Compare	loading Fetching your data...
Nationwide Member Credit Card All Rounder Offer		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% (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).	More Info	Compare	loading Fetching your data...
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).		Compare	loading Fetching your data...
M&S Bank Transfer Plus Mastercard		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).	More Info	Compare	loading Fetching your data...
Sainsbury's Bank Balance Transfer Credit Card Mastercard		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).	More Info	Compare	loading Fetching your data...
Lloyds Bank Platinum Low Fee 0% Balance Transfer Mastercard		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).	More Info	Compare	loading Fetching your data...
Lloyds Bank Platinum 0% Purchase and Balance Transfer Mastercard		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).	More Info	Compare	loading Fetching your data...
Ulster Bank Balance Transfer Credit Card Mastercard		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).	More Info	Compare	loading Fetching your data...
The Co-operative Bank Balance Transfer Credit Card Visa		0% for 24 months reverting to 20.6%	0%	0% for 4 months reverting to 20.6%	£0	20.6% (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).	More Info	Compare	loading Fetching your data...
Barclaycard Platinum 18 Month 0% Purchase and Balance Transfer Visa		0% for 18 months reverting to 20.9%	2.9%	0% for 18 months reverting to 20.9%	£0	20.9% (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 20.9% (variable) p.a., your representative rate is 20.9% APR (variable).	More Info	Compare	loading Fetching your data...
Sainsbury's Bank Dual Offer Credit Card Mastercard		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).	More Info	Compare	loading Fetching your data...
MBNA 0% Transfer and Purchase Credit Card		0% for 18 months reverting to 20.93%	2.99% 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).	More Info	Compare	loading Fetching your data...
Sainsbury's Bank Low Balance Transfer Fee Credit Card Mastercard		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).	More Info	Compare	loading Fetching your data...
Santander All in One Credit Card Mastercard		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).	More Info	Compare	loading Fetching your data...
HSBC Balance Transfer Credit Card Visa		0% for 25 months reverting to 21.9%	1.5% (min. £5)	0% for 3 months reverting to 21.9%	£0	21.9% (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 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	More Info	Compare	loading Fetching your data...
Virgin Money 24 Month Balance Transfer Credit Card Mastercard		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).	More Info	Compare	loading Fetching your data...
Virgin Money 18 Month All Round Credit Card Mastercard		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).	More Info	Compare	loading Fetching your data...
Virgin Money 26 Month Balance Transfer Credit Card Mastercard		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).	More Info	Compare	loading Fetching your data...
IHG Rewards Club Credit Card Mastercard		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).	More Info	Compare	loading Fetching your data...
MBNA Long 0% Money Transfer Credit Card		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).	More Info	Compare	loading Fetching your data...
Capital One Balance Transfer Mastercard		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).	More Info	Compare	loading Fetching your data...
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).		Compare	loading Fetching your data...
Virgin Money 15 Month All Round Credit Card Mastercard		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).	More Info	Compare	loading Fetching your data...
Virgin Money 16 Month Balance Transfer Credit Card Mastercard		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).	More Info	Compare	loading Fetching your data...
Santander World Elite Mastercard		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).	More Info	Compare	loading Fetching your data...

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Name	Product	Purchases	Balance transfers	Annual/monthly fees	Rep. APR	Incentive	Link
M&S Bank Shopping Plus Mastercard		0% for 20 months reverting to 19.9%	0% for 20 months (2.9% fee)	£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).	Go to site More Info	Compare	loading Fetching your data...
HSBC Purchase Plus Credit Card Visa		0% for 18 months reverting to 22.9%	0% for 18 months (2.9% fee)	£0	22.9% (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).	Check eligibility More Info	Compare	loading Fetching your data...
M&S Bank Reward Plus Mastercard		0% for 6 months reverting to 19.9%	0% for 6 months (2.9% fee)	£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).	Go to site More Info	Compare	loading Fetching your data...
Santander All in One Credit Card Mastercard		0% for 26 months reverting to 15.9%	0% for 26 months (0% fee)	£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).	More Info	Compare	loading Fetching your data...
TSB Platinum Purchase Card		0% for 20 months reverting to 19.95%	0% for 20 months (2.95% fee)	£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).	More Info	Compare	loading Fetching your data...
Sainsbury's Bank Dual Offer Credit Card Mastercard		0% for 20 months reverting to 20.95%	0% for 20 months (3% fee)	£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).	More Info	Compare	loading Fetching your data...
Tesco Bank Clubcard Plus Credit Card Mastercard		0% for 18 months reverting to 19.944%	21.814% (3.99% fee)	£0	37.7% (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 1 point per £2 spent on fuel. Points are converted to Tesco vouchers which can be used towards shopping or exchanged for Partner Rewards. Representative example: When you spend £1,200 at a purchase rate of 19.944% (variable) p.a., your representative rate is 37.7% APR (variable).	More Info	Compare	loading Fetching your data...
Halifax 0% Purchase and Balance Transfer Mastercard		0% for 18 months reverting to 19.95%	0% for 18 months (3% fee)	£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).	More Info	Compare	loading Fetching your data...
MBNA 0% Transfer and Purchase Credit Card		0% for 18 months reverting to 20.93%	0% for 18 months (2.99% fee)	£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).	More Info	Compare	loading Fetching your data...
Lloyds Bank Platinum 0% Purchase and Balance Transfer Mastercard		0% for 18 months reverting to 19.94%	0% for 18 months (3% fee)	£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).	More Info	Compare	loading Fetching your data...
Bank of Scotland Platinum 0% Purchase and Balance Transfer Mastercard		0% for 18 months reverting to 19.95%	0% for 18 months (3% fee)	£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).	More Info	Compare	loading Fetching your data...
Barclaycard Platinum 18 Month 0% Purchase and Balance Transfer Visa		0% for 18 months reverting to 20.9%	0% for 18 months (2.9% fee)	£0	20.9% (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 20.9% (variable) p.a., your representative rate is 20.9% APR (variable).	More Info	Compare	loading Fetching your data...
Tesco Bank Clubcard Credit Card Purchases Mastercard		0% for 18 months reverting to 19.944%	0% for 3 months (2.9% fee)	£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).	More Info	Compare	loading Fetching your data...
Santander World Elite Mastercard		0% for 18 months reverting to 18.9%	0% for 18 months (0% fee)	£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).	More Info	Compare	loading Fetching your data...
first direct Gold Card Visa		0% for 17 months reverting to 16.9%	16.9% (2.9% fee)	£0	16.9% (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).	More Info	Compare	loading Fetching your data...
Virgin Money 18 Month All Round Credit Card Mastercard		0% for 15 months reverting to 21.9%	0% for 18 months (2.9% fee)	£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).	More Info	Compare	loading Fetching your data...
Nationwide Member Credit Card All Rounder Offer		0% for 15 months reverting to 19.9%	0% for 15 months (1.5% fee)	£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).	More Info	Compare	loading Fetching your data...
Santander Zero Credit Card Mastercard		0% for 12 months reverting to 18.9%	0% for 1 months (3% fee)	£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).	More Info	Compare	loading Fetching your data...
Virgin Money 15 Month All Round Credit Card Mastercard		0% for 12 months reverting to 27.9%	0% for 15 months (2.9% fee)	£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).	More Info	Compare	loading Fetching your data...
TSB Classic Credit Card Mastercard		0% for 10 months reverting to 26.95%	0% for 10 months (2.95% fee)	£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).	More Info	Compare	loading Fetching your data...
Bank of Scotland Platinum Low Fee 0% Balance Transfer Mastercard		0% for 9 months reverting to 19.95%	0% for 22 months (1.99% fee)	£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).	More Info	Compare	loading Fetching your data...
John Lewis and Waitrose Partnership Mastercard		0% for 9 months reverting to 18.9%	0% for 18 months (2.9% fee)	£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).	More Info	Compare	loading Fetching your data...
Halifax Low Fee 0% Balance Transfer Mastercard		0% for 9 months reverting to 19.95%	0% for 22 months (1.99% fee)	£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).	More Info	Compare	loading Fetching your data...
HSBC Premier Credit Card Mastercard		0% for 9 months reverting to 18.9%	0% for 18 months (1.4% fee)	£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).	More Info	Compare	loading Fetching your data...
Lloyds Bank Platinum Low Fee 0% Balance Transfer Mastercard		0% for 9 months reverting to 19.94%	0% for 22 months (1.99% fee)	£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).	More Info	Compare	loading Fetching your data...
HSBC Rewards Credit Card		0% for 6 months reverting to 21.9%	0% for 6 months (2% fee)	£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).	More Info	Compare	loading Fetching your data...
Barclaycard Business Premium Plus Credit Card Mastercard		0% for 6 months reverting to 14.9%	N/A	£150 per annum	49.4% (variable)	0.5% after £1 of yearly spend. Maximum of £400 cashback paid per year. Cashback paid Anniversary into Card Account. If less than £10 Cashback earned in any Cashback Year, it will not be credited to the account and will not be carried forward to the following year. Representative example: When you spend £1,200 at a purchase rate of 14.9% (variable) p.a. with a fee of £150 per annum, your representative rate is 49.4% APR (variable).	More Info	Compare	loading Fetching your data...
M&S Bank Transfer Plus Mastercard		0% for 6 months reverting to 19.9%	0% for 28 months (2.85% fee)	£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).	More Info	Compare	loading Fetching your data...

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Name	Product	Purchases	Annual/monthly fees	Credit limits	Rep. APR	Incentive	Link
M&S Bank Reward Plus Mastercard		0% for 6 months reverting to 19.9%	£0	Min. limit £500, max. limit not specified.	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).	Go to site More Info	Compare	loading Fetching your data...
M&S Bank Shopping Plus Mastercard		0% for 20 months reverting to 19.9%	£0	Min. limit £500, max. limit not specified.	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).	Go to site More Info	Compare	loading Fetching your data...
Maximiles Mastercard		0% for 3 months reverting to 17.9%	£0	Min. limit £100, max. limit not specified.	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).	More Info	Compare	loading Fetching your data...
The Co-operative Bank Members' Credit Card Visa		18.3%	£0	Min. limit £500, max. limit not specified.	18.3% (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 18.3% (variable) p.a., your representative rate is 18.3% APR (variable).	More Info	Compare	loading Fetching your data...
HSBC Premier Credit Card Mastercard		0% for 9 months reverting to 18.9%	£0	Min. limit £1,500, max. limit not specified.	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).	More Info	Compare	loading Fetching your data...
John Lewis and Waitrose Partnership Mastercard		0% for 9 months reverting to 18.9%	£0	Min. limit £250, max. limit not specified.	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).	More Info	Compare	loading Fetching your data...
AIB Visa Option 1		18.9%	£0	Min. limit £500, max. limit not specified.	18.9% (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).	More Info	Compare	loading Fetching your data...
Bank of China (UK) Great Wall International Classic Credit Card Visa		17.1%	£10 per annum	Min. limit £250, max. limit £10,000.	19% (variable)	Earn 10 points per £1 spent on card; points can be redeemed for selected gifts or card annual fee waiver. Representative example: When you spend £1,200 at a purchase rate of 17.1% (variable) p.a. with a fee of £10 per annum, your representative rate is 19% APR (variable).	More Info	Compare	loading Fetching your data...
Tesco Bank Clubcard Credit Card Purchases Mastercard		0% for 18 months reverting to 19.944%	£0	Min. limit £100, max. limit not specified.	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).	More Info	Compare	loading Fetching your data...
Sainsbury's Bank Balance Transfer Credit Card Mastercard		0% for 3 months reverting to 19.95%	£0	Min. limit not specified, max. limit not specified.	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).	More Info	Compare	loading Fetching your data...
M&S Bank Transfer Plus Mastercard		0% for 6 months reverting to 19.9%	£0	Min. limit £500, max. limit not specified.	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).	More Info	Compare	loading Fetching your data...
Tesco Bank Clubcard Credit Card for 26 Months Balance Transfer Mastercard		19.944%	£0	Min. limit £100, max. limit not specified.	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).	More Info	Compare	loading Fetching your data...
smile Classic Credit Card Visa		19.9%	£0	Min. limit £200, max. limit not specified.	19.9% (variable)	0.25% after £1 of monthly spend. Cashback paid Monthly into Card Account. 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).	More Info	Compare	loading Fetching your data...
Bank of China (UK) Great Wall International Gold Credit Card Visa		12.7%	£40 per annum	Min. limit £250, max. limit £10,000.	20.1% (variable)	Earn 10 points per £1 spent on card; points can be redeemed for selected gifts or card annual fee waiver. Representative example: When you spend £1,200 at a purchase rate of 12.7% (variable) p.a. with a fee of £40 per annum, your representative rate is 20.1% APR (variable).	More Info	Compare	loading Fetching your data...
Sainsbury's Bank Low Balance Transfer Fee Credit Card Mastercard		0% for 3 months reverting to 20.95%	£0	Min. limit not specified, max. limit not specified.	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).	More Info	Compare	loading Fetching your data...
Sainsbury's Bank Dual Offer Credit Card Mastercard		0% for 20 months reverting to 20.95%	£0	Min. limit not specified, max. limit not specified.	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).	More Info	Compare	loading Fetching your data...
Santander All in One Credit Card Mastercard		0% for 26 months reverting to 15.9%	£3 per month	Min. limit £500, max. limit not specified.	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).	More Info	Compare	loading Fetching your data...
Amazon Platinum Mastercard		0% for 3 months reverting to 21.94%	£0	Min. limit £500, max. limit not specified.	21.9% (variable)	Earn 1.5 Amazon reward points per £2 spent at Amazon.co.uk. Earn 0.5 Amazon reward point per £2 spent elsewhere. Whenever your Amazon reward points reach 1,000 a £10 Amazon.co.uk Gift Card will be automatically linked to your Amazon.co.uk account. For Amazon Prime members - earn 3 Amazon reward points per £2 spent at Amazon.co.uk and earn 0.5 Amazon Reward point per £2 spent elsewhere. Representative example: When you spend £1,200 at a purchase rate of 21.94% (variable) p.a., your representative rate is 21.9% APR (variable).	More Info	Compare	loading Fetching your data...
HSBC Rewards Credit Card		0% for 6 months reverting to 21.9%	£0	Min. limit £500, max. limit not specified.	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).	More Info	Compare	loading Fetching your data...
American Express Rewards Credit Card		22.2%	£0	Min. limit £500, max. limit not specified.	22.2% (variable)	As a new Cardmember, earn 5,000 Membership Rewards® points when you spend £2,000 in your first 6 months of Cardmembership. Representative example: When you spend £1,200 at a purchase rate of 22.2% (variable) p.a., your representative rate is 22.2% APR (variable).	More Info	Compare	loading Fetching your data...
British Airways American Express Card		22.2%	£0	Min. limit £700, max. limit not specified.	22.2% (variable)	New Cardmember offer: Earn 5,000 bonus Avios when you spend £1,000 in your first 6 months of Cardmembership. Representative example: When you spend £1,200 at a purchase rate of 22.2% (variable) p.a., your representative rate is 22.2% APR (variable).	More Info	Compare	loading Fetching your data...
American Express Platinum Cashback Everyday Card		22.2%	£0	Min. limit £700, max. limit not specified.	22.2% (variable)	New Cardmember offer: Get 5% cashback on your purchases (up to £100) for the first 6 months of Cardmembership. Representative example: When you spend £1,200 at a purchase rate of 22.2% (variable) p.a., your representative rate is 22.2% APR (variable).	More Info	Compare	loading Fetching your data...
Virgin Money Virgin Atlantic Reward Credit Card		22.9%	£0	Min. limit not specified, max. limit not specified.	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).	More Info	Compare	loading Fetching your data...
Barclaycard Rewards Visa		22.9%	£0	Min. limit £50, max. limit not specified.	22.9% (variable)	0.25% after £1 of yearly spend. Cashback paid On request into Card Account. Cashback paid annually or on request. Maximum spend for cashback purposes is limited to credit limit. 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).	More Info	Compare	loading Fetching your data...
IHG Rewards Club Credit Card Mastercard		22.9%	£0	Min. limit £100, max. limit not specified.	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).	More Info	Compare	loading Fetching your data...
Royal Bank of Scotland Reward Credit Card Mastercard		18.9%	£24 per annum. Reward or Reward Black Current Account holders: £0 per annum	Min. limit £300, max. limit not specified.	23.7% (variable)	1% Rewards earned on supermarket spend and 0.25% at their petrol stations, at least 1% Rewards earned at MyRewards retailers and 0.25% everywhere else when shopping at home and abroad. 5 Rewards is £5 when redeemed. Rewards can be converted into money and transferred to a current account, exchanged for gift cards or tickets with some retailers doubling their value or converted into money and donated to one of the RBS Group chosen charities. Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a. with a fee of £24 per annum. Reward or Reward Black Current Account holders: £0 per annum, your representative rate is 23.7% APR (variable).	More Info	Compare	loading Fetching your data...
NatWest Reward Credit Card Mastercard		18.9%	£24 per annum. Reward or Reward Black Current Account holders: £0 per annum	Min. limit £300, max. limit not specified.	23.7% (variable)	1% Rewards earned on supermarket spend and 0.25% at their petrol stations, at least 1% Rewards earned at MyRewards retailers and 0.25% everywhere else when shopping at home and abroad. 5 Rewards is £5 when redeemed. Rewards can be converted into money and transferred to a current account, exchanged for gift cards or tickets with some retailers doubling their value or converted into money and donated to one of the RBS Group chosen charities. Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a. with a fee of £24 per annum. Reward or Reward Black Current Account holders: £0 per annum, your representative rate is 23.7% APR (variable).	More Info	Compare	loading Fetching your data...
Tui Credit Card		0% for 3 months reverting to 24.95%	£0	Min. limit £500, max. limit not specified.	24.9% (variable)	Earn points towards your next holiday every time you spend. Earn 1 point per £1 when spending on Tui/First Choice. Earn 1 point per £2 for spend elsewhere. For every 100 points you get £1 to redeem Representative example: When you spend £1,200 at a purchase rate of 24.95% (variable) p.a., your representative rate is 24.9% APR (variable).	More Info	Compare	loading Fetching your data...
Topman Mastercard		24.94%	£0	Min. limit £500, max. limit not specified.	24.9% (variable)	Earn 2 points for every £1 spent at Topman and other Arcadia Group stores and online, and 1 point for every £1spent elsewhere. Bonus 500 points on second Topman purchase which equals a £5 voucher. 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).		Compare	loading Fetching your data...
Topshop Mastercard		24.94%	£0	Min. limit £500, max. limit not specified.	24.9% (variable)	Earn 2 points for every £1 spent at Topshop and other Arcadia Group stores and online, and 1 point for every £1spent elsewhere. Bonus 500 points on second Topshop purchase which equals a £5 voucher. 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).		Compare	loading Fetching your data...
Debenhams Mastercard		24.94%	£0	Min. limit £500, max. limit not specified.	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).		Compare	loading Fetching your data...
Miss Selfridge Mastercard		24.94%	£0	Min. limit £500, max. limit not specified.	24.9% (variable)	Earn 2 points for every £1 spent at Miss Selfridge and other Arcadia Group stores and online, and 1 point for every £1 spent elsewhere. 500 points equals a £5 voucher which is issued quarterly. Bonus points for certain good credit actions. 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).	More Info	Compare	loading Fetching your data...
The American Express Nectar Credit Card		22.2%	Year 1 - £0, Year 2 onwards - £25 per annum	Min. limit £700, max. limit not specified.	27.3% (variable)	As a new Cardmember, earn 20,000 bonus Nectar points when you spend £2,000 in your first 6 months of Cardmembership. Representative example: When you spend £1,200 at a purchase rate of 22.2% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £25 per annum, your representative rate is 27.3% APR (variable).	More Info	Compare	loading Fetching your data...
American Express Platinum Cashback Card		22.2%	£25 per annum	Min. limit £700, max. limit not specified.	27.3% (variable)	As a new Cardmember, get 5% cashback on your purchases (up to £125) for the first six months of Cardmembership. Representative example: When you spend £1,200 at a purchase rate of 22.2% (variable) p.a. with a fee of £25 per annum, your representative rate is 27.3% APR (variable).	More Info	Compare	loading Fetching your data...
Tesco Bank Foundation Clubcard Credit Card Mastercard		27.542%	£0	Min. limit £100, max. limit not specified.	27.5% (variable)	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 27.542% (variable) p.a., your representative rate is 27.5% APR (variable).	More Info	Compare	loading Fetching your data...
Dorothy Perkins Mastercard		29.95%	£0	Min. limit £250, max. limit not specified.	29.9% (variable)	Earn 2 points for every £1 spent at Dorothy Perkins and other Arcadia Group stores and online, and 1 point for every £1 spent elsewhere. 500 points equals a £5 voucher which is issued quarterly. Bonus points in birthday month. 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).	More Info	Compare	loading Fetching your data...
Evans Mastercard		29.95%	£0	Min. limit £250, max. limit not specified.	29.9% (variable)	Earn 2 points for every £1 spent at Evans and other Arcadia Group stores and online, and 1 point for every £1 spent elsewhere. 500 points equals a £5 voucher which is issued quarterly. Bonus points in birthday month. 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).	More Info	Compare	loading Fetching your data...
Wallis Mastercard		29.95%	£0	Min. limit £250, max. limit not specified.	29.9% (variable)	Earn 2 points for every £1 spent at Wallis and other Arcadia Group stores and online, and 1 point for every £1 spent elsewhere. 500 points equals a £5 voucher which is issued quarterly. Bonus treat in birthday month. 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).	More Info	Compare	loading Fetching your data...
Outfit Mastercard		29.95%	£0	Min. limit £250, max. limit not specified.	29.9% (variable)	Earn 2 points for every £1 spent at Outfit and other Arcadia Group stores and online, and 1 point for every £1 spent elsewhere. 500 points equals a £5 voucher which is issued quarterly. Bonus points in birthday month. 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).	More Info	Compare	loading Fetching your data...
Vitality American Express Credit Card		22.2%	£0	Min. limit £700, max. limit not specified.	35.9% (variable)	0.5% on £1 to £5000 of yearly spend. 1% after £5001 of yearly spend. Cashback paid Anniversary into Card Account. Must spend £3K annually to earn cashback. Earn between 0-2% additional cashback on first £1K spend each month. Cashback booster rate is based on number of eligible Vitality products held and monthly activity points earned two months prior. Representative example: When you spend £1,200 at a purchase rate of 22.2% (variable) p.a., your representative rate is 35.9% APR (variable).		Compare	loading Fetching your data...
NatWest Reward Black Credit Card Mastercard		18.9%	£84 per annum. Reward Black Current Account holders: £0 per annum	Min. limit £5,000, max. limit not specified.	37.1% (variable)	1% Rewards earned on supermarket spend and 0.5% at their petrol stations, at least 1% Rewards earned at MyRewards retailers and 0.5% everywhere else when shopping at home and abroad. 5 Rewards is £5 when redeemed. Rewards can be converted into money and transferred to a current account, exchanged for gift cards or tickets with some retailers doubling their value or converted into money and donated to one of the RBS Group chosen charities. Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a. with a fee of £84 per annum. Reward Black Current Account holders: £0 per annum, your representative rate is 37.1% APR (variable).	More Info	Compare	loading Fetching your data...
Royal Bank of Scotland Reward Black Credit Card Mastercard		18.9%	£84 per annum. Reward Black Current Account holders: £0 per annum	Min. limit £5,000, max. limit not specified.	37.1% (variable)	1% Rewards earned on supermarket spend and 0.5% at their petrol stations, at least 1% Rewards earned at MyRewards retailers and 0.5% everywhere else when shopping at home and abroad. 5 Rewards is £5 when redeemed. Rewards can be converted into money and transferred to a current account, exchanged for gift cards or tickets with some retailers doubling their value or converted into money and donated to one of the RBS Group chosen charities. Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a. with a fee of £84 per annum. Reward Black Current Account holders: £0 per annum, your representative rate is 37.1% APR (variable).	More Info	Compare	loading Fetching your data...
Tesco Bank Clubcard Plus Credit Card Mastercard		0% for 18 months reverting to 19.944%	£0	Min. limit £100, max. limit not specified.	37.7% (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 1 point per £2 spent on fuel. Points are converted to Tesco vouchers which can be used towards shopping or exchanged for Partner Rewards. Representative example: When you spend £1,200 at a purchase rate of 19.944% (variable) p.a., your representative rate is 37.7% APR (variable).	More Info	Compare	loading Fetching your data...
The Marriott Bonvoy American Express Card		22.2%	£75 per annum	Min. limit £700, max. limit not specified.	38.8% (variable)	As a new Cardmember earn 20,000 points bonus when you spend £3,000 in the first 6 months of Cardmembership. Representative example: When you spend £1,200 at a purchase rate of 22.2% (variable) p.a. with a fee of £75 per annum, your representative rate is 38.8% APR (variable).	More Info	Compare	loading Fetching your data...
Santander World Elite Mastercard		0% for 18 months reverting to 18.9%	£15 per month	Min. limit £2,000, max. limit not specified.	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).	More Info	Compare	loading Fetching your data...
American Express Preferred Rewards Gold Credit Card		22.2%	Year 1 - £0, Year 2 onwards - £140 per annum	Min. limit £700, max. limit not specified.	56.6% (variable)	New Cardmember offer: Earn 10,000 Membership Rewards® points when you spend £3,000 in your first six months of Cardmembership. Representative example: When you spend £1,200 at a purchase rate of 22.2% (variable) p.a. with an annual fee of £140 (£0 in first year), your representative APR is 56.6% APR (variable).	More Info	Compare	loading Fetching your data...
HSBC Premier World Elite Mastercard		18.9%	£195 per annum	Min. limit £5,000, max. limit not specified.	59.3% (variable)	2 points for every £1 spend in the UK. 4 points for every £1 spend outside the UK. 40,000 Anniversary Points Boost - qualifying spend £12K in 12 months from account opening. Points can be redeemed for airline frequent flyer miles, retail vouchers from selected stores and luxury wines and champagnes or can be used to make donations made to the charity of the customer's choice. Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a. with a fee of £195 per annum, your representative rate is 59.3% APR (variable).	More Info	Compare	loading Fetching your data...
Virgin Money Virgin Atlantic Reward Plus Credit Card		22.9%	£160 per annum	Min. limit not specified, max. limit not specified.	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).	More Info	Compare	loading Fetching your data...
British Airways American Express Premium Plus		22.2%	£195 per annum	Min. limit £700, max. limit not specified.	74.7% (variable)	As a new Cardmember, earn 25,000 bonus Avios when you spend £3,000 in your first 6 months of Cardmembership. Representative example: When you spend £1,200 at a purchase rate of 22.2% (variable) p.a. with a fee of £195 per annum, your representative rate is 74.7% APR (variable).	More Info	Compare	loading Fetching your data...
The American Express Green Card		N/A (this product is a charge card).	£60 per annum	Min. limit not specified, max. limit not specified.	N/A (this product is a charge card).	1 point earned for virtually every £1 spent. Rewards points can be used as currency to buy flights and package holidays through American Express Travel. Reward points can also be redeemed for a wide range of products, experiences, travel and hotel stays.	More Info	Compare	loading Fetching your data...
The Platinum Card		N/A (this product is a charge card).	£575 per annum	Min. limit not specified, max. limit not specified.	N/A (this product is a charge card).	As a new Cardmember, earn 30,000 Membership Rewards® points when you spend £4,000 in your first 6 months of Cardmembership.	More Info	Compare	loading Fetching your data...

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Name	Product	Annual/monthly fees	Min credit limit	Max credit limit	Minimum income	Rep. APR	Incentive	Link
Vanquis Bank Chrome Credit Card 24.7pc Visa		£0	£250	Subject to status: £1,000	Not specified	24.7%	Stay in control of your account with online servicing, a mobile app, SMS and email alerts. Representative example: When you spend £1,000 at a purchase rate of 24.7% (variable) p.a., your representative rate is 24.7% APR (variable).	More Info	Compare	loading Fetching your data...
Tandem Bank Journey Credit Card Mastercard		£0	£500	Subject to status: £1,500	£15000	24.9%	No fees for making purchases or withdrawing cash abroad – currencies are converted at the standard Mastercard exchange rate. Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).	More Info	Compare	loading Fetching your data...
TSB Classic Credit Card Mastercard		£0	£500	Not specified	Not specified	26.9%	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).	More Info	Compare	loading Fetching your data...
Tesco Bank Foundation Clubcard Credit Card Mastercard		£0	£100	Subject to status	£5000	27.5%	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 27.542% (variable) p.a., your representative rate is 27.5% APR (variable).	More Info	Compare	loading Fetching your data...
Vanquis Bank Chrome Card 29.3pc Visa		£0	£250	Subject to status: £1,000	Not specified	29.3%	Representative example: When you spend £1,000 at a purchase rate of 29.3% (variable) p.a., your representative rate is 29.3% APR (variable).	More Info	Compare	loading Fetching your data...
Vanquis Bank Aquis Visa		£0	£250	Subject to status: £1,000	Not specified	29.8%	You could get a credit limit increase after your 5th statement and further increases every 5 months, up to £4,000. Representative example: When you spend £1,000 at a purchase rate of 29.84% (variable) p.a., your representative rate is 29.8% APR (variable).	More Info	Compare	loading Fetching your data...
Capital One Classic Platinum Mastercard		£0	£200	Subject to status: £1,500	Not specified	29.8%	Representative example: When you spend £1,200 at a purchase rate of 29.84% (variable) p.a., your representative rate is 29.8% APR (variable).	More Info	Compare	loading Fetching your data...
Barclaycard Forward Credit Card Visa		£0	£50	Subject to status: £1,200	£3000	33.9%	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 33.9% (variable) p.a., your representative rate is 33.9% APR (variable).	More Info	Compare	loading Fetching your data...
118 118 Money Guaranteed Rate Card		£0	£500	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).	More Info	Compare	loading Fetching your data...
aqua Advance Mastercard		£0	£250	Not specified	Not specified	34.9%	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).	More Info	Compare	loading Fetching your data...
Capital One Classic Mastercard		£0	£200	Subject to status: £1,500	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).	More Info	Compare	loading Fetching your data...
Fluid Mastercard		£0	£300	Not specified	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).	More Info	Compare	loading Fetching your data...
Capital One Luma Mastercard		£0	£200	Subject to status: £1,500	Not specified	35.9%	Representative example: When you spend £1,200 at a purchase rate of 35.94% (variable) p.a., your representative rate is 35.9% APR (variable).	More Info	Compare	loading Fetching your data...
Capital One Luma Purchase Mastercard		£0	£200	Subject to status: £1,500	Not specified	35.9%	Representative example: When you spend £1,200 at a purchase rate of 35.94% (variable) p.a., your representative rate is 35.9% APR (variable).	More Info	Compare	loading Fetching your data...
aqua Classic Mastercard		£0	£250	Subject to status: £1,200	Not specified	37.9%	Representative example: When you spend £1,200 at a purchase rate of 37.95% (variable) p.a., your representative rate is 37.9% APR (variable).	More Info	Compare	loading Fetching your data...
Vanquis Bank Visa		£0	£150	Subject to status: £1,000	Not specified	39.9%	Representative example: When you spend £1,000 at a purchase rate of 39.94% (variable) p.a., your representative rate is 39.9% APR (variable).	More Info	Compare	loading Fetching your data...
Ocean Credit Card Mastercard		£0	£200	Subject to status: £1,500	Not specified	39.9%	Representative example: When you spend £1,200 at a purchase rate of 39.94% (variable) p.a., your representative rate is 39.9% APR (variable).	More Info	Compare	loading Fetching your data...
thinkmoney Credit Card Mastercard		£0	£200	Subject to status: £1,500	Not specified	39.9%	Representative example: When you spend £1,200 at a purchase rate of 39.94% (variable) p.a., your representative rate is 39.9% APR (variable).	More Info	Compare	loading Fetching your data...
Opus Mastercard		£0	£250	Subject to status: £1,200	Not specified	39.9%	Representative example: When you spend £1,200 at a purchase rate of 39.95% (variable) p.a., your representative rate is 39.9% APR (variable).	More Info	Compare	loading Fetching your data...
Vanquis Bank Origin Credit Card Visa		£0	£150	Subject to status: £1,000	Not specified	59.9%	Representative example: When you spend £250 at a purchase rate of 59.94% (variable) p.a., your representative rate is 59.9% APR (variable).	More Info	Compare	loading Fetching your data...

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Name	Product	Purchases	Annual/monthly fees	Credit limits	Rep. APR	Incentive	Link
British Airways American Express Card		22.2%	£0	Min. limit £700, max. limit not specified.	22.2% (variable)	New Cardmember offer: Earn 5,000 bonus Avios when you spend £1,000 in your first 6 months of Cardmembership. Representative example: When you spend £1,200 at a purchase rate of 22.2% (variable) p.a., your representative rate is 22.2% APR (variable).	More Info	Compare	loading Fetching your data...
British Airways American Express Premium Plus		22.2%	£195 per annum	Min. limit £700, max. limit not specified.	74.7% (variable)	As a new Cardmember, earn 25,000 bonus Avios when you spend £3,000 in your first 6 months of Cardmembership. Representative example: When you spend £1,200 at a purchase rate of 22.2% (variable) p.a. with a fee of £195 per annum, your representative rate is 74.7% APR (variable).	More Info	Compare	loading Fetching your data...
Virgin Money Virgin Atlantic Reward Credit Card		22.9%	£0	Min. limit not specified, max. limit not specified.	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).	More Info	Compare	loading Fetching your data...
Virgin Money Virgin Atlantic Reward Plus Credit Card		22.9%	£160 per annum	Min. limit not specified, max. limit not specified.	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).	More Info	Compare	loading Fetching your data...

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Answers to the most common questions about interest-free days

• How do I receive interest-free days?

  To be eligible to receive interest-free days on eligible transactions, you must repay your account’s outstanding balance in full by the due date on your statement. Usually, you’ll need to pay the full balance for the statement prior to the start of that billing cycle as well as the statement issued at the end of it.

• Is a credit card with interest-free days suitable for me?

  The vast majority of credit cards do come with this feature. If you pay off your credit card balance in full by the due date each month, a card with interest-free days will allow you to make purchases without paying interest. This could be ideal if you use a credit card to earn rewards or for short-term cash flow such as spending between monthly paydays. But if you think you might not be able to pay the account’s closing balance in full each month, you may like to consider 0% purchase offer credit cards.

• What is the maximum number of interest-free days I can get?

  The maximum interest-free days you can take advantage of is typically between 50 and 60 days. However, some store cards might give longer for transactions at a specific retailer.

• Do additional cards also get interest-free days?

  Additional cards linked to your primary card generally follow the same billing cycle as the primary card and offer just as many interest-free days on purchases.

• I can't pay my account's closing balance in full this month, but I can in the future. Will I ever get interest-free days again?

  Once you start paying your account’s closing balance in full each month again, you can start making use of interest-free days on purchases.

The bottom line

Credit cards that come with interest-free days give you the ability to make purchases and not pay any interest towards them as long as you clear your full card balance each month. Such cards can come with a number of other features as well, so it’s important that you choose a suitable card for your requirements. Bear in mind that just about every credit card issuer provides cards with interest-free days on purchases, so it is in your best interest to compare as many as possible before making a decision.