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Card NameBalance TransfersPurchasesCashRep APRAnnual FeeRewards
AA Credit Card£100 minimum amount, max - according to the credit limitAccording to the credit limit2.99% handling fee when you withdraw cash – the minimum fee is £3The total charge for credit at the ‘Total amount payable’ section of your Agreement is based on the assumption of a Credit Limit for Purchases of £1,200, debited to the Account in full on the date of the Agreement for a period of one year at the standard rate of interest for Purchases, with the credit being repayable in 12 equal monthly instalments beginning one month after the date of this Agreement. The ‘Total amount payable’ shown in your Agreement is only illustrativeNo annual fee for the first 12 monthsRewards Cashback
Visa Classic Card22.79%22.79%1.5% of the Transaction amount (minimum £3.00)24.30%£8N/A
Visa Gold CardN/AN/A (this product is a charge card)1.5% of the Transaction amount (minimum £3.00)N/A (this product is a charge card)An annual fee of £75 will be charged for the Visa Gold Card. You can also nominate a family member, your partner or a close friend as an additional Cardholder at an annual fee of £35Priority pass
British Airways American Express® Credit Card3%22.9% variable for purchases3% (£3 minimum)22.90%No annual fee5,000 bonus Avios when you spend £1,000 in your first three months of Cardmembership
British Airways American Express® Premium Plus3%22.9% variable for purchases3% (£3 minimum)76.00%Based on £19525,000 Avios when you spend £3,000 in your first three months of Cardmembership
Platinum Cashback Credit Card3%22.9% variable for purchases3% (£3 minimum)28.20%Based on £255% cashback up to £125 cashback for your first three months of Cardmembership
Platinum Cashback Everyday Credit Card3%22.9% variable for purchases3% (£3 minimum)22.90%Based on £05% cashback up to £100 for your first three months of Cardmembership
Nectar Credit Card3%22.9% variable for purchases3% (£3 minimum)28.20%Based on £25 (£0 in first year)20,000 Nectar points when you spend £2,000 in your first three months of Cardmembership
The Starwood Preferred Guest® Credit Card from American Express3%22.9% variable for purchases3% (£3 minimum)39.70%Based on £7530,000 points bonus when you spend £1,000 in your first three months of Cardmembership
American Express® Preferred Rewards Gold Credit Card3%22.9% variable for purchases3% (£3 minimum)57.60%£140 (£0 in your first year)10,000 Membership Rewards® points when you spend £3,000 in your first three months of Cardmembership
The American Express® Rewards Purchases Credit Card3%22.9% variable for purchases3% (£3 minimum)22.90%No annual fee0% interest on purchases for the first 18 months of Cardmembership
The American Express® Rewards Credit Card3%22.9% variable for purchases3% (£3 minimum)22.90%No annual fee5,000 bonus Membership Rewards® points when you spend £2,000 in your first three months of Cardmembership
The American Express® Rewards Low Rate Credit Card - 9.9% APR3%22.9% variable for purchases3% (£3 minimum)9.90%No annual fee2,500 bonus Membership Rewards® points when you spend £1,000 in your first 3 months of Cardmembership
Aqua Classic3% of the transaction (minimum £3)35.95% or 44.93% or 49.91% or 54.95% or 59.95%3% of the transaction (minimum £3)35.90%No annual feeN/A
Aqua Advance3% of the transaction (minimum £3)34.95% or 44.93% or 49.91% or 54.95% or 59.95%3% of the transaction (minimum £3)34.90%No annual feeN/A
Aqua Rewards3% of the transaction (minimum £3)34.95% or 44.93% or 49.91% or 54.95% or 59.95%3% of the transaction (minimum £3)34.90%No annual fee0.5% Cashback (up to £100 p.a.) on whatever you buy if you stay within your credit limit and pay on time
Asda Cashback Credit Card0% on balance transfers for 12 months (3% fee applies)0% interest for 6 months on purchases of £200 or more at George.com3% (min. £5)19.90%No annual fee1% cashback on all Asda spend
0.2% cashback on all other purchases
Asda Cashback Start Credit Card0% on balance transfers for 12 months (3% fee applies)34.90%3% (min. £5)34.90%No annual fee1% cashback on all Asda spend
0.2% cashback on all other purchases
Great Wall International Classic Credit CardN/A17.10%£2 +2/3%19.00%£10 for main card and £5 for each additional cardEarn points for every eligible £1 you spend. Points can be exchanged for a choice of gifts by calling the Bank of China (UK)
Great Wall International Gold Credit CardN/A12.70%£2 +2/3%20.10%£40 for main card and £20 for each additional cardEarn points for every eligible £1 you spend. Points can be exchanged for a choice of gifts by calling the Bank of China (UK)
Great Wall International Business Credit CardN/A17.10%£2 +2/3%20.10%£40Earn points for every eligible £1 you spend. Points can be exchanged for a choice of gifts by calling the Bank of China (UK)
Bank of Ireland UK Student MastercardN/A0% for 3 months reverting to 17.9%2.5% (min. £3)17.90%No annual feeN/A
Bank of Ireland UK Queens Affinity Mastercard0% for 9 months reverting to 17.9%0% for 6 months reverting to 17.9%2.5% (min. £3)17.90%No annual feeN/A
Bank of Ireland UK Ulster Rugby Affinity Mastercard0% for 6 months reverting to 17.9%0% for 6 months reverting to 17.9%2.5% (min. £3)17.90%No annual feeN/A
Bank of Ireland UK Matched Mastercard0% for 24 months reverting to 19.9%0% for 24 months reverting to 19.9%2.5% (min. £3)19.90%No annual feeN/A
Bank of Scotland Platinum Low Rate Mastercard9.95%9.95%3% (min. £3)9.90%No annual feeN/A
Bank of Scotland Platinum 24 Month Balance Transfer Mastercard0% for 24 months reverting to 19.95%0% for 12 months reverting to 19.95%3% (min. £3)19.90%No annual feeN/A
Bank of Scotland Platinum 20 Month Purchase and Balance Transfer Mastercard0% for 20 months reverting to 19.95%0% for 20 months reverting to 19.95%3% (min. £3)19.90%No annual feeN/A
Bank of Scotland Classic Mastercard0% for 9 months reverting to 27.95%0% for 18 months reverting to 27.95%3% (min. £3)27.90%No annual feeN/A
Barclaycard Platinum No Fee Balance Transfer Visa0% for 6 months reverting to 19.9%0% for 20 months reverting to 19.9%2.99% (min. £2.99)19.90%No annual feeBuy 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.
Barclaycard Platinum 27 Month Purchase and Balance Transfer Visa0% for 27 months reverting to 19.9%0% for 27 months reverting to 19.9%2.99% (min. £2.99)19.90%No annual feeBuy 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.
Barclaycard Platinum 28 Month Balance Transfer Visa0% for 6 months reverting to 19.9%0% for 28 months reverting to 19.9%2.99% (min. £2.99)19.90%No annual feeBuy tickets for up to 3500 selected live events through Barclaycard entertainment and get 5% off tickets per year and exclusive pre-sale tickets on selected festivals with 10% off ticket prices. Save 5% on food and drink at all UK 02 Academy venues.
Barclaycard Platinum Cashback Plus Visa21.90%21.90%2.99% (min. £2.99)21.90%No annual fee0.25% after £1 of yearly spend. Cashback paid Monthly into Card Account. Cashback on purchases until 31.8.23. Maximum spend for cashback purposes is limited to credit limit.
Barclaycard Platinum 18 Month Balance Transfer Visa0% for 3 months reverting to 24.9%0% for 18 months reverting to 24.9%2.99% (min. £2.99)24.90%No annual feeBuy 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.
Barclaycard Forward Credit Card Visa0% for 3 months reverting to 34.9%34.90%2.99% (min. £2.99)34.90%No annual feeBuy 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.
Capital One Balance Transfer Mastercard0% for 3 months reverting to 24.93%0% for 12 months reverting to 24.93%3% (min. £3)24.90%No annual feeN/A
Capital One Classic Platinum Mastercard29.84%29.84%3% (min. £3)29.80%No annual feeN/A
Capital One Classic Mastercard34.94%34.94%3% (min. £3)34.90%No annual feeN/A
Capital One Luma Mastercard35.94%35.94%3% (min. £3)35.90%No annual feeN/A
Capital One Luma Purchase Mastercard0% for 3 months reverting to 35.94%35.94%3% (min. £3)35.90%No annual feeN/A
Clydesdale Bank B Credit Card Mastercard9.90%9.90%3% (min. £3)9.90%No annual feeN/A
Clydesdale Bank Gold Mastercard0% for 12 months reverting to 18.9%0% for 26 months reverting to 18.9%3% (min. £3)18.90%No annual feeN/A
Clydesdale Bank Business MastercardN/A16.90%3% (min. £3)22.40%Year 1 - £0, Year 2 onwards - £28 per annumReceive discounts at participating retailers with the Mastercard Business Savings scheme.
Coutts and Co Silk Charge MastercardN/AN/A (this product is a charge card)2% (min. £1.5)N/A (this product is a charge cardNo annual feeAccess to over 700 executive airport lounges in over 300 major airports worldworld. Guest fee is £15 per guest.
Coutts & Co Silk Credit Card VisaN/A14.71%2% (min. £1.5)14.70%No annual feeMembership to LoungeKey, access to over 700 airport lounges worldwide. Charged at £15 per person per visit
Maximiles Mastercard0% for 9 months reverting to 17.9%0% for 3 months reverting to 17.9%5% (min. £5)17.90%No annual feeEarn 1 Maximiles point for every £1 spent. 5000 bonus points when you make your first card purchase.
Albion Mastercard0% for 6 months reverting to 18.9%18.90%5% (min. £5)18.90%No annual feeFree matchday programme offer after the first 3 spends, exclusive monthly prize draws to win hospitality box tickets, signed merchandise and more.
Wolves Mastercard0% for 6 months reverting to 18.9%18.90%5% (min. £5)18.90%No annual feeFree meet and greet signing sessions once card activated, 0% Season Ticket Offer - details throughout the season
Owls Mastercard0% for 6 months reverting to 18.9%18.90%5% (min. £5)18.90%No annual fee10% discount in the Owls Megastore, 2 for 1 match ticket after the first three spends on your Owls Mastercard, away ticket priority and 0% Season Ticket Offer - details throughout the season.
IHG Rewards Club Credit Card Mastercard0% for 12 months reverting to 22.9%22.90%3% (min. £5)22.90%No annual fee1 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.
2 IHG Rewards Club points for every £1 spent abroad.
IHG Rewards Club Premium Credit Card Mastercard0% for 12 months reverting to 22.9%22.90%3% (min. £5)45.10%£99 per annum2 IHG Rewards Club point for every £1 spent in the UK.
4 IHG Rewards Club points for every £1 spent at any IHG location in the UK.
4 IHG Rewards Club points for every £1 spent abroad.
Free night voucher at any IHG property if customer spends £10,000 per year. Free night voucher to be awarded on account anniversary.
Danske Bank Mastercard Standard Credit Card0% for 5 months reverting to 22.85%0% for 5 months reverting to 22.85%2.75% (min. £2.75)22.90%No annual feeN/A
Debenhams Credit Card5.00%24.94%3% (min. £3)24.90%No annual feeEarn 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.
500 bonus points and 10% off online for a week after account opening
10% discount in Debenhams cafes & restaurants. Free standard delivery from Debenhams online when using the Mastercard. Access to Mastercard Priceless Cities. Invitations to special shopping events
Fluid Credit Card0% interest on balance transfers for 9 months from account opening (4% fee), after which your standard rate will apply29.94%3% (min £3)29.90%No annual feeN/A
first direct Gold Card Visa16.90%0% for 17 months reverting to 16.9%2.99% (min. £3)16.90%No annual feeEarn cashback with selected retailers via Visa Offers, customers can register up to five separate first direct Visa cards.
first direct Credit Card Visa0% for 27 months reverting to 18.9%18.90%2.99% (min. £3)18.90%No annual feeEarn cashback with selected retailers via Visa Offers, customers can register up to five separate first direct Visa cards.
First Trust Bank (NI) Student MastercardN/A12.90%1.5% (min. £0)12.90%No annual feeN/A
First Trust Bank (NI) Visa/Mastercard Option 216.90%16.90%1.5% (min. £0)16.90%No annual feeN/A
First Trust Bank (NI) Visa/Mastercard Option 118.90%18.90%1.5% (min. £0)18.90%No annual fee0.5% 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.
First Trust Bank (NI) Gold ChargeN/AN/A (this product is a charge card)1.5% (min. £0)N/A (this product is a charge card)No annual feeN/A
Halifax Flexicard Mastercard9.95%9.95%3% (min. £3)9.90%No annual feeN/A
Halifax 25 Month Balance Transfer Credit Card Mastercard0% for 25 months reverting to 19.95%0% for 12 months reverting to 19.95%3% (min. £3)19.90%No annual feeN/A
Halifax 29 Month Balance Transfer Credit Card Mastercard0% for 29 months reverting to 19.95%0% for 3 months reverting to 19.95%3% (min. £3)19.90%No annual feeN/A
Halifax Online Balance Transfer and Purchase Credit Card Mastercard0% for 24 months reverting to 19.95%0% for 24 months reverting to 19.95%3% (min. £3)19.90%No annual feeN/A
Halifax 20 Month Balance Transfer Credit Card Mastercard0% for 20 months reverting to 19.95%0% for 6 months reverting to 19.95%3% (min. £3)19.90%No annual feeN/A
Halifax Clarity Credit Card Mastercard19.95%19.95%0%19.90%No annual feeReceive £20 cashback when first purchase made within 90 days of a/c opening until 29.8.19.
HSBC Premier Credit Card Mastercard0% for 18 months reverting to 18.9%0% for 9 months reverting to 18.9%2.99% (min. £3)18.90%No annual feeA 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
HSBC Student Credit Card VisaN/A18.90%2.99% (min. £3)18.90%No annual feeDiscounts and exclusive offers for dining experiences, leisure activities and shopping available through HSBC Home and Away
HSBC Balance Transfer Credit Card Visa0% for 25 months reverting to 21.9%0% for 3 months reverting to 21.9%2.99% (min. £3)21.90%No annual feeDiscounts and exclusive offers for dining experiences, leisure activities and shopping available through HSBC Home and Away.
HSBC Rewards Credit Card0% for 6 months reverting to 21.9%0% for 6 months reverting to 21.9%2.99% (min. £3)21.90%No annual feeEarn 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
HSBC Purchase Plus Credit Card Visa0% for 18 months reverting to 22.9%0% for 18 months reverting to 22.9%2.99% (min. £3)22.90%No annual feeDiscounts and exclusive offers for dining experiences, leisure activities and shopping available through HSBC Home and Away
HSBC Classic Credit Card Visa29.90%29.90%2.99% (min. £3)29.90%No annual feeDiscounts and exclusive offers for dining experiences, leisure activities and shopping available through HSBC Home and Away
HSBC Premier World Elite Mastercard18.90%18.90%2.99% (min. £3)59.30%£195 per annum2 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
John Lewis and Waitrose Partnership Mastercard credit card0% for 18 months reverting to 18.9%0% for 9 months reverting to 18.9%2.5% (min. £2.5)18.90%No annual feeThe employee-owned department store that famously claims to be “Never knowingly undersold” now offers a popular credit card with a built-in reward scheme. This entitles holders of a John Lewis Partnership Card to vouchers that can be redeemed in John Lewis Partnership and Waitrose
Laura Ashley Mastercard0% interest for 3 months on all purchases from account opening19.94%3% of the amount of the transaction (minimum £3.00)21.90%No annual feeReceive 1000 bonus privilege points when you make your first Laura Ashley Mastercard purchase
Earn 2 privilege points per £1 spent in Laura Ashley when you spend on your Laura Ashley Mastercard
Earn 1 privilege point per £2 spent outside Laura Ashley, wherever you see the Mastercard logo
Interest free purchases: 0% interest for 3 months on all purchases from account opening*
Receive an exclusive cardholder voucher booklet in your first Laura Ashley statement
All privilege points earned are converted into reward vouchers and sent out quarterly
Lloyds Bank Online Platinum Low Rate Mastercard9.94%9.94%3% (min. £3)9.90%No annual feeN/A
Lloyds Bank Online Platinum 20 Month Purchase and Balance Transfer Mastercard0% for 20 months reverting to 19.94%0% for 20 months reverting to 19.94%3% (min. £3)19.90%No annual feeN/A
Lloyds Bank Online Platinum 20 Month Balance Transfer Mastercard0% for 20 months reverting to 19.94%0% for 6 months reverting to 19.94%3% (min. £3)19.90%No annual feeN/A
Lloyds Bank Online Platinum 28 Month Balance Transfer Mastercard0% for 28 months reverting to 19.94%0% for 3 months reverting to 19.94%3% (min. £3)19.90%No annual feeN/A
Lloyds Bank Online Platinum 24 Month Balance Transfer Mastercard0% for 24 months reverting to 19.94%0% for 12 months reverting to 19.94%3% (min. £3)19.90%No annual feeN/A
Lloyds Bank (Branch) Classic Mastercard0% for 18 months reverting to 27.95%0% for 9 months reverting to 27.95%3% (min. £3)27.90%No annual feeN/A
M&S Bank Reward Plus Mastercard0% for 6 months reverting to 19.9%0% for 6 months reverting to 19.9%2.99% (min. £3)19.90%No annual feeDouble points on spend in M&S for first 12 months (2 points per £1). Then earn 1 point for every £1 spent at Marks and Spencer's and 1 point or every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.
M&S Bank Shopping Plus Mastercard0% for 20 months reverting to 19.9%0% for 20 months reverting to 19.9%2.99% (min. £3)19.90%No annual feeEarn 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.
M&S Bank Transfer Plus Mastercard0% for 28 months reverting to 19.9%0% for 6 months reverting to 19.9%2.99% (min. £3)19.90%No annual feeEarn 1 point for every £1 spent at Marks and Spencer's and 1 point or every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.
marbles Credit Card34.95% or 44.94% or 49.95% or 59.95%34.95% or 44.94% or 49.95% or 59.95%3% of the transaction (minimum £3)34.90%No annual feeN/A
MBNA Long Term Low Interest Credit Card4.9% for 48 months reverting to 8.9%4.9% for 48 months reverting to 8.9%5% (min. £0)8.90%No annual feeN/A
MBNA Low Fee 0% Balance Transfer Credit Card0% for 26 months reverting to 20.93%20.93%5% (min. £0)20.90%No annual feeN/A
MBNA Long 0% Balance Transfer Credit Card0% for 29 months reverting to 20.93%20.93%5% (min. £0)20.90%No annual feeN/A
MBNA 0% Transfer and Purchase Credit Card0% for 27 months reverting to 20.93%0% for 27 months reverting to 20.93%5% (min. £0)20.90%No annual feeIntroductory 0% purchase offer only applies to purchases made within 60 days of opening.
MBNA Long 0% Money Transfer Credit Card0% for 12 months reverting to 22.93%22.93%5% (min. £0)22.90%No annual feeN/A
Metro Bank Personal Credit Card Mastercard14.90%14.90%13.97% annually14.90%No annual feeN/A
Nationwide BS Select Credit Card Visa0% for 12 months reverting to 15.9%0% for 12 months reverting to 15.9%2.5% (min. £3)15.90%No annual feeN/A
Nationwide BS Credit Card Visa0% for 12 months reverting to 17.9%0% for 12 months reverting to 17.9%2.5% (min. £3)15.90%No annual feeCustomers will be able to earn commission-free purchases abroad by using their Credit Card each time they make a purchase in Sterling. The calculation will be based on a 5:1 ratio - for example, £5 spent in Sterling will earn an allowance of £1 commission free-purchases abroad. Purchases abroad beyond the earned amount will be charged 2% commission.
The NatWest Credit Card6.90%9.90%3% (min. £0)9.90%No annual feeN/A
The NatWest Balance Transfer Credit Card (existing customers)0% for 23 months reverting to 19.9%0% for 3 months reverting to 19.9% p.a. (variable)3% (min. £0)19.90%No annual feeN/A
NatWest Student Credit Card Mastercard18.95%18.95%3% (min. £0)18.90%No annual feeN/A
NatWest Reward Credit Card Mastercard18.90%18.90%3% (min. £0)23.70%£24 per annum. Reward or Reward Black Current Account holders: £0 per annum1% 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.
NatWest Reward Black Credit Card Mastercard18.90%18.90%3% (min. £0)37.10%£84 per annum. Reward Black Current Account holders: £0 per annum1% 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.
Ocean Finance Credit Card35%34.94%3% (min. £3)34.90%No annual feeN/A
As of August 2019, Post Office Money is no longer accepting any new Credit Card applications
The Royal Bank Credit Card6.90%9.90%3% (min. £0)9.90%No annual feeN/A
The Royal Bank Balance Transfer Credit Card (existing customers)0% for 23 months reverting to 19.9%0% for 3 months reverting to 19.9% p.a. (variable)3% (min. £0)19.90%No annual feeN/A
Royal Bank of Scotland Student Credit Card Mastercard18.95%18.95%3% (min. £0)18.90%No annual feeN/A
Royal Bank of Scotland Reward Credit Card Mastercard18.90%18.90%3% (min. £0)23.70%£24 per annum. Reward or Reward Black Current Account holders: £0 per annum1% 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.
Royal Bank of Scotland Reward Black Credit Card Mastercard18.90%18.90%3% (min. £0)37.10%£84 per annum. Reward Black Current Account holders: £0 per annum1% 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.
As of August 2019, Saga no longer offers credit cards
Sainsbury's Bank Balance Transfer Credit Card Mastercard0% for 28 months reverting to 19.95%0% for 3 months reverting to 19.95%3% (min. £3)19.90%No annual feeEarn 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
Sainsbury's Bank Dual Offer Credit Card Mastercard0% for 25 months reverting to 20.95%0% for 25 months reverting to 20.95%3% (min. £3)20.90%No annual feeEarn 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.
Sainsbury's Bank No Balance Transfer Fee Credit Card Mastercard0% for 20 months reverting to 20.95%0% for 3 months reverting to 20.95%3% (min. £3)20.90%No annual feeEarn 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.
Sainsbury's Bank Purchase Credit Card Mastercard0% for 3 months reverting to 20.95%0% for 22 months reverting to 20.95%3% (min. £3)20.90%No annual feeEarn 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.
Santander Zero Credit Card Mastercard0% for 1 months reverting to 18.9%0% for 12 months reverting to 18.9%0%18.90%No annual feeRetailer offers - 5 Welcome offers of up to 25% cashback at well-known retailers (must switch on Retailer Offers within 60 days of activating card).
Santander Everyday Credit Card Mastercard0% for 18 months reverting to 18.9%0% for 3 months reverting to 18.9%3% (min. £3)18.90%No annual feeRetailer offers - 5 Welcome offers of up to 25% cashback at well-known retailers (must switch on Retailer Offers within 60 days of activating card).
Santander All in One Credit Card Mastercard0% for 26 months reverting to 15.9%0% for 26 months reverting to 15.9%3% (min. £3)21.70%£3 per month0.5% after £1 of monthly spend. Cashback paid Monthly into Card Account. Maximum spend for cashback purposes is limited to credit limit.
Santander Business Cashback Credit Card Mastercard18.90%18.90%3% (min. £3)23.70%£30 per annum (fee paid is per business, not per card)1% after £1 of monthly spend. Cashback paid Monthly into Card Account.
Santander World Elite Mastercard0% for 18 months reverting to 18.9%0% for 18 months reverting to 18.9%3% (min. £3)49.80%£15 per month0.5% 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.
smile Gold Credit Card Visa12.90%12.90%3% (min. £3)12.90%No annual feeCo-operative members can earn 100 membership points a year.
smile Classic Credit Card Visa16.90%16.90%3% (min. £3)16.90%No annual fee0.25% after £1 of monthly spend. Cashback paid Monthly into Card Account.
Tandem Bank Journey Credit Card Mastercard24.90%24.90%2.5% (min. £2.5)24.90%No annual feeNo fees for making purchases or withdrawing cash abroad – currencies are converted at the standard Mastercard exchange rate.
Tandem Bank Cashback Credit Card Mastercard18.90%18.90%2.5% (min. £2.5)18.90%No annual fee0.5% after £1 of monthly spend. Cashback paid Monthly into Card Account.
Tesco Bank Clubcard Credit Card with Low APR Mastercard0% for 1 months reverting to 6.054%0% for 1 months reverting to 5.94%3.99% (min. £3)5.90%No annual fee1 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. Exclusions apply. Clubcard points collection rates are subject to change. Must have available credit. Clubcard points are converted to Clubcard vouchers which can be used on your shopping in Tesco, or get even more value through Clubcard Rewards Partners.
Tesco Bank Clubcard Credit Card 26 Month for Purchases Mastercard0% for 3 months reverting to 21.814%0% for 26 months reverting to 19.944%3.99% (min. £3)19.90%No annual fee1 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.
Tesco Bank Clubcard Credit Card for 28 Months Money Transfer Mastercard0% for 28 months reverting to 21.814%0% for 3 months reverting to 19.944%3.99% (min. £3)19.90%No annual fee1 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.
Tesco Bank Clubcard Credit Card for 28 Months Balance Transfer Mastercard0% for 28 months reverting to 21.814%0% for 3 months reverting to 19.944%3.99% (min. £3)19.90%No annual fee1 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.
Tesco Bank 15 Month All Round Clubcard Credit Card Mastercard0% for 15 months reverting to 21.814%0% for 15 months reverting to 19.944%3.99% (min. £3)19.90%No annual fee1 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.
Tesco Bank 12 Month All Round Clubcard Credit Card Mastercard0% for 12 months reverting to 21.814%0% for 12 months reverting to 19.944%3.99% (min. £3)19.90%No annual fee1 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.
Tesco Bank Clubcard 20 Month 0% Balance Transfer Fee Mastercard0% for 20 months reverting to 21.814%19.94%3.99% (min. £3)19.90%No annual fee1 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.
Tesco Bank Foundation Clubcard Credit Card Mastercard27.54%27.54%3.99% (min. £3)27.50%No annual feeCollect 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.
The Co-operative Bank 3 Year Fixed Rate Visa6.90%6.90%3.99% (min. £3)6.90%No annual feeN/A
The Co-operative Bank Members' Credit Card Visa18.30%18.30%3.99% (min. £3)18.30%No annual fee1p earned for every £2 spent in The Co-operative Food and Department 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.
The Co-operative Bank Balance Transfer Credit Card Visa0% for 24 months reverting to 20.6%0% for 4 months reverting to 20.6%3.99% (min. £3)20.60%No annual feeN/A
Thinkmoney Credit Card39.94%39.94%3% (min. £3)39.90%No annual feeN/A
TSB Platinum 20 Month Purchase Mastercard0% for 20 months reverting to 19.95%0% for 20 months reverting to 19.95%3% (min. £3)19.90%No annual feeN/A
TSB Student Mastercard19.95%19.95%3% (min. £3)19.90%No annual feeN/A
TSB Classic Mastercard0% for 10 months reverting to 26.95%0% for 10 months reverting to 26.95%3% (min. £3)26.90%No annual feeN/A
Ulster Bank Credit Card Mastercard6.90%9.90%3% (min. £0)9.90%No annual feeN/A
Ulster Bank Student Mastercard18.90%18.94%3% (min. £0)18.90%No annual feeN/A
Ulster Bank Balance Transfer Credit Card Mastercard0% for 23 months reverting to 19.9%0% for 3 months reverting to 19.9%3% (min. £0)19.90%No annual feeN/A
Vanquis Bank Chrome Credit Card Visa24.70%24.70%3% (min. £0)24.70%No annual feeStay in control of your account with online servicing, a mobile app, SMS and email alerts.
Vanquis Bank Chrome Card 29.3pc Visa29.30%29.30%3% (min. £0)29.30%No annual feeN/A
Vanquis Bank Aquis Visa29.84%29.84%3% (min. £0)29.80%No annual feeYou could get a credit limit increase after your 5th statement and further increases every 5 months, up to £4,000.
Vanquis Bank Visa39.94%39.94%3% (min. £0)39.90%No annual feeN/A
Virgin Money 12 Month Travel Credit Card Mastercard0% for 12 months reverting to 21.9%0% for 12 months reverting to 21.9%3% (min. £0)21.90%No annual feeEarn cashback when you shop online with over 500 top brands with Virgin Money Back.
Virgin Money 23 Month All Round Credit Card Mastercard0% for 23 months reverting to 21.9%0% for 20 months reverting to 21.9%5% (min. £0)21.90%No annual feeEarn cashback when you shop online with over 500 top brands with Virgin Money Back.
Virgin Money 27 Month Balance Transfer Credit Card Mastercard0% for 27 months reverting to 21.9%0% for 3 months reverting to 21.9%5% (min. £0)21.90%No annual feeEarn cashback when you shop online with over 500 top brands with Virgin Money Back.
Virgin Money 29 Month Balance Transfer Credit Card Mastercard0% for 29 months reverting to 21.9%0% for 3 months reverting to 21.9%5% (min. £0)21.90%No annual feeEarn cashback when you shop online with over 500 top brands with Virgin Money Back.
Virgin Money 20 Month Purchase Credit Card Mastercard0% for 12 months reverting to 21.9%0% for 20 months reverting to 21.9%5% (min. £0)21.90%No annual feeEarn cashback when you shop online with over 500 top brands with Virgin Money Back.
Virgin Money Virgin Atlantic Reward Credit Card0% for 6 months reverting to 22.9%22.90%5% (min. £0)22.90%No annual feeEarn 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.
Virgin Money 20 Month All Round Credit Card Mastercard0% for 20 months reverting to 23.9%0% for 20 months reverting to 23.9%5% (min. £0)23.90%No annual feeEarn cashback when you shop online with over 500 top brands with Virgin Money Back.
Virgin Money 24 Month Balance Transfer Credit Card Mastercard0% for 24 months reverting to 23.9%0% for 3 months reverting to 23.9%5% (min. £0)23.90%No annual feeEarn cashback when you shop online with over 500 top brands with Virgin Money Back.
Yorkshire Bank B Credit Card Mastercard9.90%9.90%3% (min. £3)9.90%No annual feeN/A
Yorkshire Bank Gold Mastercard0% for 12 months reverting to 18.9%0% for 26 months reverting to 18.9%3% (min. £3)18.90%No annual feeN/A
Yorkshire Bank Business MastercardN/A16.90%3% (min. £3)22.40%Year 1 - £0, Year 2 onwards - £28 per annumReceive discounts at participating retailers with the Mastercard Business Savings scheme.