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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 [...]

Express Rewards Credit Card

Interest Rate: 17.9%
Balance Transfer: n/a
Annual Fee: n/a
Interest Free Days: 0%p.a. for 6 months

Representative Example: 17.9% APR

What will your spend earn you?

With the Express Rewards Credit Card, you’re rewarded with more points in the places you use your Card the most. You can earn points on the things you have to buy, and transform them into the things you want to buy. So that mundane trolley-full of groceries could be your ticket to a brand new handbag, jewellery and more. Just shop as normal with your Card – the supermarket, petrol, everyday essentials – and automatically collect points without having to think about it. Then simply turn your points into vouchers from some of your favourite stores, with famous names including Net-A-Porter, Marks & Spencer, House of Fraser and Amazon.co.uk.

It works like this:

Earn 3 points for every full £1 you spend in major Supermarkets up to £500 per month.
Earn 2 points for every full £1 you spend in leading Department Stores.
Earn 1 point for virtually every full £1 you spend everywhere else.
Once you reach 5,000 points, you can turn them into a £25 gift voucher from a choice of famous retailers.
What’s more, you’ll collect 18,000 bonus points (that’s £90 worth of gift vouchers) when you spend £500 each month in your first 3 months of Cardmembership.

Earn richer rewards! Apply now and earn up to £90 worth of bonus points!

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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)