Best UK Credit Card Comparison

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Credit Q&A

What’s the advantage of rewards credit cards?

Reward credit cards usually reward cardholders with incentives, rebates and even cash back for purchases made with their cards. Users can get additional airline miles, cash-back rewards or discounts on merchandise for each pound spent. Rewards cards usually require a better-than-average credit rating. These cards are similar to cash-back cards in that users can accumulate [...]

What are credit card cheques?

Credit card cheques are similar to cheques issued on current accounts. These slips of paper allow you to make additional purchases on credit. They are a means of paying for something when you don’t have cash and you can’t use your card, and can be made out to shops, tradesmen and anyone else you might pay [...]

How do student prepaid credit cards work?

A student prepaid credit card works in much the same way as pay as you go mobile phones – you have to top them up with credit before you can use them. This is useful if your child is not particularly good at managing your money, as you can only spend as much as you [...]

Virgin Money

Capital One Classic

Vanquis Visa Cherry Card

Rise Visa

Card	Description	Interest Rate (p.a)	Balance Transfer (p.a)	Annual Fee	Interest Free Days (up to)	Info
	Capital One Classic	34.9%	n/a	n/a	up to 56 days	More Info
Representative Example: 34.9% APR on representative variable; 34.94% p.a. variable on all purchases; assumed credit limit £1,200
	Rise Visa	n/a	n/a	n/a	n/a	More Info
Representative Example:If you spent £300 on a purchase transaction at the start of your agreement, incurred monthly charges over 12 months of £330 and made repayments by 12 equal instalments, your APR would be 303% representative (variable).
	American Express Platinum Card	n/a	n/a	£300	n/a	More Info
no APR representative variable or p.a. variable on all purchases, pay your balance in full every month
	Vanquis Visa Cherry Card	39.9%	n/a	n/a	0% for 56 days	More Info
Representative Example: Purchase annual interest rate 39.94% (variable), Amount of credit £1000; Representative 39.9% APR (variable)
	Express Rewards Credit Card	17.9%	n/a	n/a	0%p.a. for 6 months	More Info
Representative Example: 17.9% APR
	Virgin Money	16.8%	0% for 20 months	n/a	0% for 3 months	More Info
Representative example: 16.8% APR on representative variable; 16.8% p.a. variable on all purchases; assumed credit limit £1,200
	Aqua	35.9%	n/a	n/a	n/a	More Info
Representative example: Your interest rate for purchases is 35.95% p.a with a representative 35.9% APR if you borrowed £1,200 and repaid it over 12 months.
	Capital One World MasterCard	19.9%	n/a	n/a	Maximum of 45 days for purchases where the balance is paid in full every month	More Info
19.9% APR on representative variable; 19.94% p.a. variable on all purchases; assumed credit limit £1,200
	Bank of Scotland Advantage Card	17.9% APR	0% for the first 13 months on balance transfers - 3% fee	n/a	0% for the first 13 months on purchases	More Info
Purchase Rate: 17.95% p.a.(variable); Representative APR: 17.9% APR(variable); Based on borrowing: £1,200 repaid over 12 months
	British Airways American Express	19.9%	n/a	n/a	n/a	More Info
Representative Example: 19.9% APR representative variable; 19.9% p.a. variable on all purchases; minimum limit £700, maximum limit subject to status
	American Express Platinum Cash Back Credit Card	18.5%	n/a	£25	0%p.a. for 6 months	More Info
Representative example: Representative 18.5% APR. Based on £25 annual fee, assumed borrowing of £1,200, rate of interest 14.0% per annum (variable).
	Bank of Scotland All in One	17.9%	0% for 12 months - 3% fee	n/a	0% for 12 months	More Info
Representative 17.9% APR (variable) Purchase rate 17.95% pa (variable) With an example credit limit of £1,200
	Vanquis Visa Lime Card	39.9%	n/a	n/a	0% for 56 days	More Info
Representative Example: Purchase annual interest rate 39.94% (variable), Amount of credit £1000; Representative 39.9% APR (variable)

Comparing Credit Cards

When it comes to credit cards, it is important to take the time to shop around and compare the available deals, offers and base information beforehand. Different credit cards are designed for differing needs and the best card for one individual might not suit the lifestyle and needs of another. Fortunately, creditcardsinstantly.co.uk offers a comparison solution and makes it easier to find the perfect card to suit personal needs.

Types of Cards

Various types of credit cards are available to meet different needs. Understanding the types makes it easier to find one that suits personal needs and wants through creditcardsinstantly.co.uk.

Balance transfer cards are designed for those who want to transfer the amount on one provider’s credit card at a high interest rate to a new card with a lower interest rate. This type of card usually has a zero percent interest for a specified amount of time that differs depending on the card. Common timeframes are usually between 12 to 24 months on average, though some cards are only for six months.

For those who want to earn rewards like miles or items, a rewards credit card is the appropriate option. This is designed for getting back based on money used on the card. The reward offers will vary between cards.

Poor credit scores are not a factor when it comes to getting a credit card. Bad credit options are available to help rebuild and improve credit over time. While a card is available, consumers should always note the interest rate, which is higher than average for poor credit.

Low interest rate cards are designed to provide a reasonably low charge for the money on the card. In many cases, it will require an excellent or great credit score for eligibility due to the lower than average rate.

Understanding Credit Card Comparison

Comparing credit cards starts when a type is determined. When the type is determined, finding out which cards are designed to meet those needs and the information about the cards is important. The website creditcardsinstantly.co.uk can help in the process by providing information on numerous UK credit cards.

The important aspects to look at before applying for a new card include the average interest rate, the special offers and any conditions on the offers.

Interest rates vary widely between cards and individuals. The information provided is usually an average based on the current customers and might differ from the offer provided to individuals. UK average interest rates can range from around 12 percent to roughly 39.9 percent, depending on the credit score. Some individuals might be offered interest lower than 12 percent if they have an excellent credit score.

Credit card comparison is one of the main keys to minimising the amount paid to the company by getting the lowest possible interest rate and the best deals. Whether personal interests relate to receiving rewards, balancing transfers between cards or just getting the lowest interest possible, taking the extra time to shop around can help you find exactly what you want.