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Credit Cards and Features
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Typical APR
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Get a deal
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Virgin credit card
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• 0% on balance transfer for up to 15 months (2.98% handling fee)
• Up to 50 days interest free period on purchases
• 3% fee on cash withdrawals, minimum of £3
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15.9% Variable
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Post office classic credit card
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• 0% on balance transfers for the first 10 months (2.75% handling fee)
• 0% on purchases for the first 3 months
• Up to 56 days interest free period on purchases
• 0% commission on purchases overseas
• 2% fee on cash withdrawals subject to minimum of £2
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16.9% variable
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Egg credit card
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• 0% on balance transfer until May 1, 2009 (3% handling fee)
• 0% on purchases until 1 July 2008
• 45 days interest free period on purchases
• 3% fee on cash withdrawals, minimum of £3
• 2.65% charge on overseas transaction
• 24.9% APR on cash advances
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16.9% variable
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HSBC credit card
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• 2.9% on balance transfers for two years on transfers within 30 days of account
opening (2.5% handling fee)
• 0% on purchases for 12 months
• 56 days interest free period on all purchases
• 2.5% fee on cash withdrawals, minimum £2.50
• 2.75% overseas transaction fee
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15.9% variable
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Lloyds TSB platinum credit card
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• 0% on balance transfers for 12 months (3% handling fee)
• 0% interest for purchases for 6 months
• Up to 56 days interest free period for purchases
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16.9% variable
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Lloyds TSB Advance Credit Card
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NatWest classic card
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• 0% on balance transfer for 13 months (2.9% handling fee)
• 56 days interest free period on all purchases
• 3% fee on cash withdrawals of minimum £3
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13.9% variable
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RBS classic credit card
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• 0% on balance transfers for 13 months (2.9% handling fees)
• 0% on purchases for the first 6 months
• Up to 56 days of interest free period
• 3% cash withdrawal fees on a minimum of £3
• 24.9% APR for cash advances
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13.9% variable
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Sainsbury’s bank standard credit card
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• 0% on purchases for 10 months
• 5.9% on balance transfers for 6 months
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15.9% variable
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Capital One Platinum Credit Card
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• 0% on purchases for 10 months
• 5.9% on balance transfers for 6 months
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34.9% variable
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Barclay flexi-rate credit card
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• 0% on purchases for 3 months
• 0% on balance transfers for 12 months (2.5% handling fee)
• The more you repay the lower the APR will be and it could be as low as 9.9%
• 56 days of interest free period
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14.9% variable
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Barclaycard Simplicity card
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• 0% on balance transfers for 14 months (2.9% handling fees)
• 0% on purchases for 3 months
• 56 days of interest free period
• 2.5% fee on cash withdrawals, minimum £2.50
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14.9% variable
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Bank of Scotland one credit card
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• 0% on balance transfers for 9 months made in the first 90 days of opening
the account (3% transaction fee)
• 0% on purchases for 9 months
• Up to 59 days interest free period
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13.9% variable
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Abbey credit card
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• 0% interest for three months
• 0% on balance transfers for 13 months for transfers made in the first month
of opening the account
• 22.9% APR on cash advances
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15.9% variable
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View
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Halifax one card
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• 0% on balance transfers for 9 months made in the first 90 days of account
opening (3% handling fee)
• 0% for 9 months on purchases
• 59 days interest free period on all purchases
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9.9% variable
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Halifax plus credit card
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• 0% on balance transfers for 13 months made within 90 days of account opening
(3% handling fee)
• 0% on purchases for 6 months
• Up to 59 days interest free period on all purchases
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15.9% variable
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Nation wide Gold card
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• 0% on balance transfers for 10 months if made within 3 months of account
opening (2.5% handling fee)
• 0% on purchases for 3 months
• Up to 56 days of interest free period on purchases
• 2.5% fee on cash withdrawals, minimum £3
• 22.9% APR on cash advances
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15.9% variable
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Alliance & Leicester credit card
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• 0% on balance transfers for 12 months from the date of opening of the account
(3% handling fee)
• 0% on purchases for 3 months
• 56 days interest free period card purchases
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15.9% variable
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Tesco bonus credit card
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• 0% on balance transfers for 13 months (2.5% handling fee)
• 0% on Tesco purchases for 12 months
• 0% on non-Tesco purchases for 3 months
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15.9% variable
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Note that the late payment and the over limit fees are £12 on most of the cards
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