What is a cash advance?

From getting money out of a cashpoint to buying foreign currency, find out which transactions are considered cash advances.

Most credit cards give you the ability to get cash or a “cash equivalent” using your account. Known as a “cash advance”, these transactions often attract an uprofnt fee followed by a higher interest rate than regular purchases. Cash advances also come with other restrictions, such as not being eligible for interest-free days or reward points, and they can harm your credit score.

If you’re worried about your credit score, you can check it for free, along with your credit report, through Finder.

What is a cash advance on a credit card?

A credit card cash advance is normally a transaction that gives you quick access to cash via a cashpoint or bank. It typically comes with a high interest rate that will begin to accumulate immediately (you won’t be able to take advantage of the usual “up to 55 days interest-free“). “Cash-like” transactions, such as buying foreign currency, can also be classed as cash advances by your card issuer. Credit card providers have individual terms that they use to define cash advances, and these definitions will be clearly outlined in the “summary box” and terms and conditions of your card.

Here, we’ve outlined the range of transactions that may be classified as cash advances and attract the cash advance rates and fees.

Common types of cash advance

  • Cash machine withdrawals. Using your credit card to withdraw money from a cashpoint or at the checkout is a cash advance. Additional fees could also apply if you use your credit card at a non-network ATM.
  • Buying foreign currency or traveller’s cheques. Using your credit card to buy foreign currency or traveller’s cheques is not a good idea. Such transactions will attract your card’s cash advance interest rate. Instead, if you’re going overseas, you should look into a card specifically designed for travel.
  • Spending money at a casino. It’s illegal for betting sites or casinos to take credit card payments for gambling purposes. But any other purchases at these establishments (perhaps food and drinks) can be made using a credit card and will be treated by your card issuer as cash advances.
  • Funding an account at a crypto exchange. It’s generally a really bad idea to use a credit card to buy cryptocurrency, because it’s very volatile and you could easily end up in negative equity (owing more than an asset has become worth). Many exchanges don’t take credit card anyway, and many card issuers don’t allow payments to exchanges at all. But where it is possible, it may well be classed as a cash advance.

When you use your credit card, a “Merchant Category Code” (MCC) is sent along with name of the merchant and the amount of the transaction, from the payment network to your bank. That means your bank doesn’t know what you buy, but it knows where you buy it. If the MCC identifies that the merchant is a cash machine, or a travel money store, or a casino, for example, then the transaction will probably be categorised by your bank as a cash advance.

Does getting cashback at the till count as a cash advance?

No, cashback at the till usually won’t be classed as a cash advance. It’ll be classed as a purchase. However, most merchants won’t let you get cashback on a credit card.

Merchants pay a percentage-based fee on credit card transactions, so say you spend £1 and get £100 cashback, the merchant would almost certainly lose money on the transaction. A few merchants might let you get away with it, and in these cases it’s probably because they haven’t “closed the loop” yet (and don’t realise they’re losing money each time).

In theory, if you got cashback at a merchant whose Merchant Category Code (MCC) identified it to your bank as being a merchant primarily offering cash-like services (travel money, betting, etc.), then the whole transaction might be classed as a cash advance. An example would be getting cashback at the bar in a casino while buying a round of drinks.

Does buying gift cards count as a cash advance?

No, buying gift cards usually won’t be classed as a cash advance. It’ll be classed as a purchase. Your card issuer will know how much you spent and where you spent it, but they won’t know what you bought.

In fact, buying gift cards can be a hack used by those seeking to maximise credit card rewards, or wanting to take advantage of a limited-time partnership between a card issuer and a merchant (perhaps if they regularly spend money at a particular store but don’t need to buy anything right now). If you decide to give this a go youself, make sure you check out the T&Cs because there might be an exemption for gift cards.

Some merchants won’t let you buy gift cards with a credit card, because of the percentage-based processing fees they have to pay. However many are willing to shoulder this, because they know that a small proportion of gift cards never actually end up getting redeemed.

Other transactions that may be defined as a cash advance on your credit card

  • Transferring between accounts. When you use your credit card account to transfer funds to a current account, your card issuer may view it as a cash advance. A good way to avoid paying interest on such transactions is to use your debit card instead. If you do plan to use your credit card for electronic transfers, review the fees and charges at the onset.
  • Paying for an international money transfer with a specialist service. Arranging a cash-pickup through Moneygram? Beating the bank on fees by using Wise to transfer money overseas? This may be classed as a “cash advance” by your card issuer.
  • Paying bills. Some credit card providers may consider making a mortgage or utility bill payment as a cash advance. Contact your provider for clarification.
  • Buying stocks and shares. Your card provider may consider this a cash advance.

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Where can I find the cash advance fees and charges for my credit card?

Most credit card issuers will charge both a cash advance fee and cash advance interest rate for applicable transactions. If you want to know what you’ll be charged, you can usually find these details under your card’s product disclosure statement or terms and conditions under “fees and charges”.

Details of the cash advance interest rate are also included in the “Key Facts Summary” that credit card issuers must provide when you’re considering their card. But if you’re unsure or can’t find this information, contact your credit card issuer to confirm what rates and fees apply before choosing a credit card or using one for a cash advance.

What you need to know about cash advances

Cash advances are not treated the same as a regular purchase, and if you are planning to use your card for a cash advance, here’s what you need to know:

  • Maximum withdrawal limits. It is not uncommon for credit cards to have daily, weekly and monthly cash advance limits in place. Maximum daily cash advance limits usually range from £100 to £500. Most providers only allow you to withdraw cash as a percentage of your overall credit limit, so don’t assume you have the full balance available.
  • High interest. Interest rates for cash advances can be up to around 40%, which is considerably high. This makes cash advances a rather expensive form of credit, and if you’re not in a hurry, getting a personal loan might be a better option.
  • No interest-free periods. Most credit cards give cardholders the ability to make use of an interest-free period if they pay their closing balance in full each month. These interest-free periods only apply to purchases and not to cash advances. When you use your card for a cash advance, it starts accruing interest immediately.
  • Cash advance fees. In addition to paying a high cash advance interest rate, you could also have to pay a cash advance fee. Typically this is a percentage, for example, 3% of the transaction, with a minimum charge of £3. With this in mind, it’s better to withdraw a bigger amount in one go, rather than make repeated trips to the cashpoint, as each withdrawal attracts a separate fee.
  • Minimum withdrawals. While you can use your credit card to pay for the smallest possible purchases, when it comes to withdrawing cash you may have to deal with a minimum withdrawal amount of £10 or more.

What else should I consider before getting a cash advance?

Instead of using your credit card to make a cash advance, consider opening a money transfer credit card. Admittedly, there aren’t many available on the market so they’re not easy to come by, but these types of cards allow you to transfer money from your credit card to your current account with little-to-no interest charged for an introductory period. However, you must make the minimum monthly payments on time or face running up huge charges.

If you plan on using your credit card for a cash advance, consider the following to help keep costs to a minimum:

  • Will you earn reward points? Typically, you won’t earn reward points for cash advances, unless the credit card comes with some kind of promotional offer.
  • Are you overseas? If you’re considering using your credit card for a cash advance while travelling overseas, take into account that you could have to pay extra in the form of ATM fees and international transaction fees. There are some cards that offer 0% or low interest foreign transaction and currency conversion fees.
  • What other options are there? If you want to use your credit card, see if there’s a way to make a purchase instead of a cash advance. For example, if you can pay with your card instead of cash, you won’t need to withdraw money from your account. You could also use your debit card, consider getting a personal loan or ask your bank if it can provide a line of credit or an overdraft facility.
  • Do you want purchase protection? If you pay with a credit card instead of cash, you could be entitled to protection if something goes wrong with your purchase. Under Section 75 of the Consumer Credit Act, the credit card provider along with the retailer can be jointly responsible if you don’t get what you paid for.
  • How much do you want to withdraw? If you do decide to make a cash advance withdrawal, remember that there is a minimum cash advance fee. For example, many cards have a 3% fee, which would be £3 on a £100 cash advance. £3 is also usually the minimum fee, so even if you withdrew £50, you would still have to pay the £3 fee.

Credit cards generally aren’t designed to be used as an ATM card, so if you think that you’ll regularly perform cash advances, you may want to consider another option to avoid accruing high fees and interest. Regardless, make sure to read the terms and conditions of your credit card before applying to ensure that you’re not confronted with any nasty surprises.

Compare credit cards

Comparison is ordered by representative APR with affiliated products shown first.
Name Product Balance transfers Balance transfer fee Purchases Annual/monthly fees Representative APR Incentive Link
M&S Bank Credit Card Rewards Offer Mastercard
0% for 12 months reverting to 19.9%
0%
0% for 12 months reverting to 19.9%
£0
19.9% APR (variable)
Double points on spend in M&S for first year (2 points per £1). Then 1 point per £1 spent with M&S and 1 point per £5 spent elsewhere. Enjoy 55 days interest free, preferential rates plus no cash advance fee when buying M&S travel money with the card.
Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).
Check eligibility
M&S Bank Shopping Plus Credit Card
0% for 24 months reverting to 21.9%
2.9% fee, min £5
0% for 24 months reverting to 21.9%
£0
21.9% APR (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 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
Check eligibility
The NatWest Balance Transfer Credit Card (existing customers only)
0% for 22 months reverting to 21.9%
0%
0% for 3 months reverting to 21.9%
£0
21.9% APR (variable)
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).
Check eligibility
HSBC Balance Transfer Credit Card
0% for 33 months reverting to 21.9%
2.84% (min. £5) for 2 months reverting to 2% (min. £5)
0% for 3 months reverting to 21.9%
£0
21.9% APR (variable)
Discounts and exclusive offers for dining experiences, leisure activities and shopping available through HSBC Home and Away.
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
Check eligibility
Royal Bank of Scotland Purchase & Balance Transfer Credit Card (existing customers only)
0% for 23 months reverting to 21.9%
2.49%
0% for 23 months reverting to 21.9%
£0
21.9% APR (variable)
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).
Check eligibility
NatWest Purchase & Balance Transfer Credit Card (existing customers only)
0% for 23 months reverting to 21.9%
2.49%
0% for 23 months reverting to 21.9%
£0
21.9% APR (variable)
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).
Check eligibility
Santander Everyday Long Term Balance Transfer Credit Card
0% for 33 months reverting to 21.9%
2.65% (min. £5) for 33 months reverting to 3% (min. £5)
0% for 3 months reverting to 21.9%
£0
21.9% APR (variable)
Earn up to 15% cashback with your selected Retailer Offers at selected major retailers.
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).
Check eligibility
M&S Bank Credit Card Transfer Plus Offer Mastercard
0% for 32 months reverting to 21.9%
1.99% fee, min £5
0% for 3 months reverting to 21.9%
£0
21.9% APR (variable)
1 point per £1 spent with M&S and 1 point per £5 spent elsewhere. Enjoy 55 days interest free, preferential rates plus no cash advance fee when buying M&S travel money with the card.
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
Check eligibility
Santander Everyday No Balance Transfer Fee Credit Card
0% for 21 months reverting to 21.9%
0% for 21 months reverting to 3% (min. £5)
0% for 3 months reverting to 21.9%
£0
21.9% APR (variable)
Earn up to 15% cashback with your selected Retailer Offers at selected major retailers.
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).
Check eligibility
Royal Bank of Scotland Balance Transfer Credit Card (existing customers only)
0% for 22 months reverting to 21.9%
0%
0% for 3 months reverting to 21.9%
£0
21.9% APR (variable)
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).
Check eligibility
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Compare up to 4 providers

Name Product Purchases Balance transfers Annual/monthly fees Representative APR Incentive Link
M&S Bank Shopping Plus Credit Card
0% for 24 months reverting to 21.9%
0% for 24 months
(2.9% fee, min £5 fee)
£0
21.9% APR (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 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
Check eligibility
Santander All in One Credit Card
0% for 23 months reverting to 18.9%
0% for 26 months
(0% fee)
£3 per month
24.7% APR (variable)
0.5% cashback on all your eligible purchases, paid monthly into card account. Maximum spend for cashback purposes is limited to credit limit. Terms apply.
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a. with a fee of £3 per month, your representative rate is 24.7% APR (variable).
Check eligibility
Royal Bank of Scotland Purchase & Balance Transfer Credit Card (existing customers only)
0% for 23 months reverting to 21.9%
0% for 23 months
(2.49% fee)
£0
21.9% APR (variable)
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).
Check eligibility
NatWest Purchase & Balance Transfer Credit Card (existing customers only)
0% for 23 months reverting to 21.9%
0% for 23 months
(2.49% fee)
£0
21.9% APR (variable)
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).
Check eligibility
HSBC Purchase Plus Credit Card
0% for 23 months reverting to 22.9%
0% for 23 months
(2.99% fee)
£0
22.9% APR (variable)
Discounts and exclusive offers for dining experiences, leisure activities and shopping available through HSBC Home and Away.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).
Check eligibility
M&S Bank Credit Card Rewards Offer Mastercard
0% for 12 months reverting to 19.9%
0% for 12 months
(0% fee)
£0
19.9% APR (variable)
Double points on spend in M&S for first year (2 points per £1). Then 1 point per £1 spent with M&S and 1 point per £5 spent elsewhere. Enjoy 55 days interest free, preferential rates plus no cash advance fee when buying M&S travel money with the card.
Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).
Check eligibility
HSBC Rewards Credit Card
0% for 6 months reverting to 23.9%
0% for 6 months
(2.99% fee)
£0
23.9% APR (variable)
Earn 1 point for every £5 spent on purchases. Bonus 2,500 reward points on anniversary if £10,000 spent in previous year.
Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).
Check eligibility
Tesco Bank Clubcard Plus Credit Card Mastercard
0% for 24 months reverting to 19.944%
21.814%
(3.99% fee)
£7.99 per month
37.7% APR (variable)
1 point per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco, must have available credit to earn points. Card can also be used as a Clubcard to collect standard points at 1 point per £1 spent on shopping and 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. with a fee of £7.99 per month, your representative rate is 37.7% APR (variable).
Sainsbury's Bank Dual 24 Month Offer Credit Card Mastercard
0% for 24 months reverting to 21.95%
0% for 24 months
(2.88% fee)
£0
21.9% APR (variable)
Earn 3 Nectar points per £1 spent in Sainsbury's and Argos. Earn 1 Nectar point for every £5 spent elsewhere. Earn 500 bonus points each time you spend £35 or more on Sainsbury's shopping with your credit card, up to ten times in your first 2 months, offer available for new customers.
Representative example: When you spend £1,200 at a purchase rate of 21.95% (variable) p.a., your representative rate is 21.9% APR (variable).
MBNA 0% Transfer and Purchase Credit Card
0% for 24 months reverting to 21.94%
0% for 24 months
(2.89% fee)
£0
21.9% APR (variable)
Earn up to 15% cashback on purchases through Smart Rewards at popular retailers.
Representative example: When you spend £1,200 at a purchase rate of 21.94% (variable) p.a., your representative rate is 21.9% APR (variable).
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Compare up to 4 providers

Name Product Purchases Annual/monthly fees Initial credit limits Representative APR Incentive Link
M&S Bank Credit Card Rewards Offer Mastercard
0% for 12 months reverting to 19.9%
£0
Min. limit £500, max. limit not specified.
19.9% APR (variable)
Double points on spend in M&S for first year (2 points per £1). Then 1 point per £1 spent with M&S and 1 point per £5 spent elsewhere. Enjoy 55 days interest free, preferential rates plus no cash advance fee when buying M&S travel money with the card.
Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).
Check eligibility
M&S Bank Shopping Plus Credit Card
0% for 24 months reverting to 21.9%
£0
Min. limit £500, max. limit not specified.
21.9% APR (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 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
Check eligibility
M&S Bank Credit Card Transfer Plus Offer Mastercard
0% for 3 months reverting to 21.9%
£0
Min. limit £500, max. limit not specified.
21.9% APR (variable)
1 point per £1 spent with M&S and 1 point per £5 spent elsewhere. Enjoy 55 days interest free, preferential rates plus no cash advance fee when buying M&S travel money with the card.
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
Check eligibility
Santander All in One Credit Card
0% for 23 months reverting to 18.9%
£3 per month
Min. limit £500, max. limit not specified.
24.7% APR (variable)
0.5% cashback on all your eligible purchases, paid monthly into card account. Maximum spend for cashback purposes is limited to credit limit. Terms apply.
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a. with a fee of £3 per month, your representative rate is 24.7% APR (variable).
Check eligibility
American Express® Platinum Cashback Everyday Credit Card
26%
£0
Min. limit £700, max. limit not specified.
26% APR (variable)
New cardmember offer: Get 5% cashback on your purchases (up to £100) for the first three months of Cardmembership. Terms apply. Spend £0 to £10,000 and receive 0.5% cashback on all purchases. Spend over £10,000 and receive 1% cashback on purchases.
Representative example: When you spend £1,200 at a purchase rate of 26% (variable) p.a., your representative rate is 26% APR (variable).
Check eligibility
The American Express Rewards® Credit Card
26%
£0
Min. limit £500, max. limit not specified.
26% APR (variable)
As a new Cardmember, earn 10,000 Membership Rewards® points when you spend £2,000 in your first 3 months of Cardmembership. Earn 1 point for every £1 spent thereafter.
Representative example: When you spend £1,200 at a purchase rate of 26% (variable) p.a., your representative rate is 26% APR (variable).
Check eligibility
British Airways American Express® Credit Card
26%
£0
Min. limit £700, max. limit not specified.
26% APR (variable)
New Cardmember offer: Earn 5,000 bonus Avios when you spend £1,000 in your first 3 months of Cardmembership. Earn 1 Avios for virtually every £1 spent. Spend £12,000 annually and get a travel companion voucher when redeeming Avios for a BA reward flight. Terms Apply
Representative example: When you spend £1,200 at a purchase rate of 26% (variable) p.a., your representative rate is 26% APR (variable).
Check eligibility
Royal Bank of Scotland Reward Credit Card (existing customers only)
21.9%
£24 per annum. Reward or Reward Black Current Account holders: £0 per annum
Min. limit £250, max. limit not specified.
26.8% APR (variable)
Earn 1% back at supermarkets and 0.25% back everywhere else, including supermarket petrol stations. At selected retailers, you could earn 1-15% back.
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a. with a fee of £24 per annum. Reward or Reward Black Current Account holders: £0 per annum, your representative rate is 26.8% APR (variable).
Check eligibility
NatWest Reward Credit Card (existing customers only)
21.9%
£24 per annum. Reward or Reward Black Current Account holders: £0 per annum
Min. limit £250, max. limit not specified.
26.8% APR (variable)
You'll earn 1% back at supermarkets and 0.25% back everywhere else, including supermarket petrol stations. At selected retailers, you could earn 1-15% back.
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a. with a fee of £24 per annum. Reward or Reward Black Current Account holders: £0 per annum, your representative rate is 26.8% APR (variable).
Check eligibility
American Express® Nectar Credit Card
26%
Year 1 - £0, Year 2 onwards - £25 per annum
Min. limit £700, max. limit not specified.
31.3% APR (variable)
Earn 20,000 bonus Nectar points when you spend £2,000 in your first 3 months. Earn a minimum of 3 Nectar points for virtually every £1 spent at Nectar partners, and 2 Nectar points for virtually every £1 spent elsewhere.
Representative example: When you spend £1,200 at a purchase rate of 26% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £25 per annum, your representative rate is 31.3% APR (variable).
Check eligibility
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Compare up to 4 providers

Name Product Annual/monthly fees Initial credit limits Minimum income Representative APR Incentive Link
Tymit Credit Card
£0
Min. limit £500, max. limit £15,000.
Not specified
22.4%
Representative Example: Rep. APR 22.4% (variable). This means for a purchase of £100 at 22.4% spread over 12 months, you'll pay a total of £111.39 (12 payments of £9.28). No annual fee.
Check eligibility
Vanquis Bank Chrome Credit Card
£0
Min. limit £150, max. limit £1,200.
Not specified
29.5%
Representative example: When you spend £250 at a purchase rate of 29.5% (variable) p.a., your representative rate is 29.5% APR (variable).
Check eligibility
thimbl. credit card
£0
Min. limit £150, max. limit £1,200.
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).
Check eligibility
Vanquis Bank Classic Credit Card Visa
£0
Min. limit £150, max. limit £600.
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).
Check eligibility
Vanquis Bank Origin Credit Card
£0
Min. limit £150, max. limit £250.
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).
Check eligibility
Tesco Bank Foundation Card
£0
Min. limit £100, max. limit not specified.
£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).
The Credit Thing card
£0
Min. limit £200, max. limit £1,500.
Not specified
27.9%
Representative example: When you spend £1,200 at a purchase rate of 27.9% (variable) p.a., your representative rate is 27.9% APR (variable).
TSB Classic Credit Card Mastercard
£0
Min. limit £500, max. limit not specified.
Not specified
27.9%
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).
Keebo credit card
Finder Award
Keebo credit card
£0
Min. limit £200, max. limit £5,000.
Not specified
27.98%
Representative example: When you spend £1,200 at a purchase rate of 27.98% (variable) p.a., your representative rate is 27.98% APR (variable).
Bip Credit
£0
Min. limit £250, max. limit not specified.
£5000
29.9%
Representative example: When you spend £1,200 at a purchase rate of 29.95% (variable) p.a., your representative rate is 29.9% APR (variable).
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Compare up to 4 providers

Name Product Purchases Annual/monthly fees Initial credit limits Representative APR Incentive Link
British Airways American Express® Credit Card
26%
£0
Min. limit £700, max. limit not specified.
26% APR (variable)
New Cardmember offer: Earn 5,000 bonus Avios when you spend £1,000 in your first 3 months of Cardmembership. Earn 1 Avios for virtually every £1 spent. Spend £12,000 annually and get a travel companion voucher when redeeming Avios for a BA reward flight. Terms Apply
Representative example: When you spend £1,200 at a purchase rate of 26% (variable) p.a., your representative rate is 26% APR (variable).
Check eligibility
British Airways American Express® Premium Plus Card
26%
£250 per annum
Min. limit £700, max. limit not specified.
103.7% APR (variable)
Earn 25,000 bonus Avios when you spend £3,000 in your first 3 months of Cardmembership. New Cardmembers Only. Earn 3 Avios for per £1 spent directly with BA and 1.5 Avios per £1 spent elsewhere. Terms Apply

Representative example: When you spend £1,200 at a purchase rate of 26% (variable) p.a. with a fee of £250 per annum, your representative rate is 103.7% APR (variable).
Check eligibility
Virgin Money Virgin Atlantic Reward Credit Card
22.9%
£0
Min. limit not specified, max. limit not specified.
22.9% APR (variable)
Earn 0.75 Flying Club miles for every £1 spend and 1.5.miles for every £1 spend with Virgin Atlantic or Virgin Holidays. Spend £20K a year on your card and choose an extra benefit - an upgrade to Premium, or a Companion ticket.
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).
Virgin Money Virgin Atlantic Reward Plus Credit Card
22.9%
£160 per annum
Min. limit not specified, max. limit not specified.
63.9% APR (variable)
Earn an additional 15,000 Bonus Points when you spend £3,000 within the first 90 days of account opening. 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).
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