Please
note: The interest rates, APR calculations, charges,
awards and other conditions applying to credit cards on these
pages may changed by the card providers at any time.
Your Credit Card — UK Online Finance has it
Here is everything we can find for
you on credit cards . . . the types, the
rates, the best deals.
Read up on the cards
listed below or do an in-depth read on the Credit
Card Types that interest you, or alternatively simply
click the button below to instantly compare all car providers
rates and conditions and to make online applications.
We've also included a separate section
for people who've got bad credit problems in our
comparison software, so don't despair.
When you click on any of the "Compare
and Apply" buttons below , remember, there can
be more than fifty card providers listed, and we
are adding all the time. So, after you've checked out your
chosen card, run a check on the choice "any",
it might find you a better deal by running through
the whole database for you.
Click on the name to find out more about each one, then
click the button below your choice to compare their rates
with others:
A new credit card from Barclays — "Barclaycard"
Barclays is one of the big
banks, and so their credit cards service is plain and simple,
and, for the most part, simply works. They have occasional
interesting benefits, and sometimes come up with a really
good promotion, like "Free kicks".
Barclays says of the promotion: "Barclaycard Free Kicks
is our way of making a genuine contribution to grass roots
football. We have committed £4 million over three years
to the development of football in our communities. We will:
* Open up football to people from disadvantaged areas
* Help people with disabilities play the game
* Support education using the positive power of football"
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Would you credit a card that's no yolk? Egg have
it
Egg is a battler for customer
share, and as such offers some really useful benefits to cardholders.
They have obviously done a lot of analysis of competing credit
card offers and cut their charges to the bone, streamlined
their service and thrown in a bunch of fee benefits.
An example is the online service: " Managing your account
online or on Egg TV on Sky digital is so much easier, and
puts you firmly in control 24 hours a day. You can also e-mail
us securely over the Internet and we'll be happy to help,"
says Egg.
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A card that's a credit to you — HSBC Card
A really big bank, and with
a slick and swift credit card system that matches. The bank
has worked hard to develop community involvement, in its drive
to capture the High Street.
About its community conscious credit cards, it says: "Choose
a card that supports Wales, contributes to the National Trust,
earns you Morrisons Credits or makes contributions to more
than 80 UK arts organisations every time you spend with your
card"
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All the credit you need with a Marbles card
Marbles is a card issued by
HFC bank, and it is a simple, easy to use MasterCard variant,
with a snappy online account management service, and access
to other loans and services provided by the bank.
Best benefit? You get to choose the color of the marbles that
decorate the front of the card. Doesn't mean much, but is
fun . . . and that may mean their approach to other matters
suits you to.
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MBNA cards set your credit to your income
MBNA has a layered approach to credit
card benefits, as your income increases over the £8000 per
year threshold required for the "Classic" or entry level
card.
Other levels of card, the "Platinum
Plus" and "Beyond" cards, for example, require
an income level of £20,000 to qualify.
Click on the right hand button below
to examine the full range of cards from MBNA.
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When it comes to credit this card is the Capital One
Capital One takes an "ability-to-repay"
approach to its cards.
As an example, its US style small
business card, a version of which may soon be seen in Europe,
is targeted at the "small business owner who wants
to separate personal and business expenses". It provides
a £20,000 limit. While it's "Platinum Card",
which is already available here, is designed for people
who have " excellent credit, and manage their finances
well."
They also have benefits on different
cards, and you can find out more by clicking the right button
below . . . or simply click on the left button and apply
direct.
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Goldfish Card— credit to bowl you over
Different fish on the front, different
benefits, or at least that's how it seems to go at Goldfish.
Their basic card provides "0%
interest on transferred balance, fixed for the first 6 months
after your account is opened
14.9% APR (variable) on transactions (and balance transfers
after 6 months)
Up to 52 days interest-free credit
No annual fee "
Their range of cards is innovative,
and you can find out more by clicking on the right button
below, or you can go straight to our application page by
clicking on the left one.
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Virgin Credit — Design your own card
Virgin stress the "customising" aspect
of their card. Everything from the interest rate to the
card design to the repayment method can be altered to suit
the holder.
Virgin says: "The only boring thing
about a Virgin Credit Card is you use it just like other
cards - at around 20 million shops, garages and restaurants
pretty much everywhere around the planet. Why learn to say
'how much?' in 20 languages when your card's accepted from
Heathrow to Honolulu."
Click on the right button to find
out more, or simply click on the left button and apply right
now.
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Accucard
Accucard is issued by Lloyds Bank
TSB, and concentrates on a young, flexible image, with lots
of benefits and a fun way to choose your own card designs.
Our belief is that today's demanding
and ever changing lifestyles create unique circumstances
for each and every one of us. The Accucard approach was
created to address those unique circumstances.
Accucard is the only company that
puts the tools for control in your hands, giving you true
freedom to design and manage your financial needs, exactly
to fit in with your lifestyle and allow you to make smart
decisions.
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American Express
American Express used to restrict
card membership to a charge card, one you pay off in full
each month. They have recently issued a credit card version
of the traditional American Express card, and are actively
chasing market share.
Their new "Blue Card" for
example, offers a number of benefits:
"1. After 3 months you'll get
1% MoneyBack on virtually every purchase. To qualify for
MoneyBack all we ask is that you make the minimum payment
on time. The rebate is not payable in respect of any month
in which the minimum payment is not received within 25 days
of the statement date. The rebate is not payable in respect
of cash withdrawals, interest, fees, balance transfers or
expenditure in any month exceeding the amount of your Credit
Limit."
"2. Purchase Protection insures against accidental
damage and theft. Cover begins where any existing insurance
you may have leaves off - for up to £20,000 per Cardmember
per year".
"3. Travel Accident Insurance only. Insurance is offered
through American Express and subject to conditions of cover".
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Citibank
Citibank issues cards world wide,
and has a really slick, complete service approach.
"Located in UK Citibank branches,
Citibank Card Banking Centers are cash machines that give
you access to your account, 24 hours a day, 365 days a year.
They allow you to use your Citibank Card and PIN (Personal
Identification Number) to carry out a wide range of banking
transactions.
You can do the following free of charge,
from any Citibank Card Banking Center in over 41 countries
around the world."
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Morgan Stanley
Morgan Stanley issues a MasterCard
service, both Gold and Platinum variants, which the bank
then "tops up" with extra benefits. The Gold card offers
split interest rates, a 0%APR for new card holders, for
six months, and online account management.
The Platinum card offers extended
cash back and other rewards:
"Our exclusive Cashback Bonus™
award rewards you with up to 1%* of everything you buy on
your Platinum Card and there is no upper limit to the amount
of money you can receive. Naturally, the more you use your
Card for expenses, the larger your annual cheque will be."
"Your Cashback Bonus™ will be
shown on your monthly statement, then once a year you’ll
receive your award cheque to spend on whatever you want."
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Intelligent Finance
Intelligence is the card issued by
Halifax Bank, through their "Intelligent Finance" brand.
The Bank sees its cards as additional
resources for its current account holders, and goes to some
trouble to develop tax arrangements that are advantageous,
by offsetting current accounts against card debts, thus
reducing the interest payable on the current account balance,
and therefore the tax.
The bank cites several examples like
this:
"Nicola enjoys spending money,
but she's also careful with her finances. So, she took out
a credit card and a current account with Intelligent Finance.
Her credit card balance is £2,000 and she usually
has around £600 in her current account."
"She chose to offset her current
account against her credit card so instead of receiving
interest on the money in her current account, she pays no
interest on the same amount of her outstanding credit card
balance".
"And because she doesn't receive
interest on her current account there's no tax to pay."
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First Direct
No frills, no nonsense and the latest
chip and pin anti fraud technology, coupled with bunches
of benefit offers make this an interesting addition to a
wallet full of plastic.
Oh, and its multicolored too . . .
there's black, then there's black, and oh yeah, you can
have black, too.
"exhilarating, intriguing, comfortable,
delicious, informative...each month we present offers which
will appeal to first direct credit cardholders.
Sometimes they're unusual, sometimes
they're classic offers but always offering excellent value.
Something different. Recent offers have included:
great discounts on theatre breaks
cases of fine wines at reduced prices
free passes to top UK attractions
low price European breaks.
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More th>n
A derivative of the Accucard by Lloyds
TSB, the card relies for added appeal on very flexible repayment
arrangements, and interest rates.
They say of their own card:
"Competitive interest rates,
CashBack and an account that lets you choose the features
that suit your lifestyle, plus all the benefits you would
expect from a MasterCard. What’s more, the MORE TH>N
Credit Card gives you free travel accident and purchase
protection cover. Apply today to design the card that suits
you."
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Tesco
An obvious move for a big retailer,
these cards a great addition to the wallet for people who
shop at Tesco's. The retailer says of them:
"Choice of Classic and Finest*
Platinum Cards —
You have the option of choosing our Classic credit card
or the Tesco Finest* Platinum credit card which offers all
the same benefits that make the Classic card such great
value - plus a host of extras including:
Extra Clubcard points for purchases
at Tesco.com —
Exclusive offers on Tesco Finest* and Tesco Insurance products
Higher credit limit
Free Travel Accident Insurance of up to £250,000 (Classic
Card £50,000)
Free legal and medical assistance when abroad
Free delivery on Tesco Travel Money"
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Halifax
Halifax has a huge range of credit
cards, some of them affiliated with airlines and the like.
And if you're looking for real transparency
in your financial arrangements, look no further! This is
what Halifax say about their new "clear card" product:
With so many credit offers, rates
and charges, credit cards can be confusing. So if you're
looking for a straightforward credit card that offers a
great rate and fair charges, you've found it. Whether you're
looking for your first, second or third card, there's nothing
clearer than the new Halifax Credit Card.
It's the UK's only credit card to
give you one rate and no cash advance fee - the difference
is clear.
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