Balance Transfer Cards

[1] Sainsbury's Mastercard for Nectar Card Holders
Terms |  More Info	- 0% for the first 12 months on purchases - 0% for the first 12 months on balance transfers (3% BT fee) - No annual fee - Full MasterCard benefits
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed (?) 0%* 12 months* 15.94%* £0.00* See T&C** Good*

[2] Sainsbury's Nectar Credit Card
Terms |  More Info	- 12.92% p.a. on purchases and balance transfers and no balance transfer fee - 0% apr on Balance Transfer for 10 months - No annual fee - Earn Nectar points when you use your Sainsbury's Nectar Credit Card elsewhere - 1 point for every £5 you spend - Optional repayment cover
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed (?) 0%* 10 months* 12.92%* £0.00* See T&C** Good*

[3] Virgin Money Credit Card
Terms |  More Info	- 0% for 14 months on balance transfers (from the date your account is opened. Transfers to be made within first 60 days. 2.98% handling fee applies) - 0% for 3 months on card purchases* (from the date your account is opened) - Discounts at loads of Virgin companies - Discounted vouchers for leading high street stores - Typical rate 16.6% APR (variable)
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed (?) 0%* up to 14 months* 16.60%* £0.00* 50 days* Fair*

[4] Egg Visa Credit Card
Terms |  More Info	- 0% interest for up to 14 Months on balances transferred within the first three months (3% fee applies). - 0% interest on new purchases for up to 3 months. - Manage your online account Egg Money Manager. - Online PIN reminder - Active fraud monitoring - 24 hour online account management - No paperwork and apply in minutes
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed (?) 0%* up to 14 months* 17.90%* £0.00* 45 days* Good*

[5] Halifax All in One Credit Card
More Info	- 0% for the first 10 months on balance transfers made in the first 90 days (3% fee) - 0% for the first 10 months on everything you buy with your Halifax All In One Credit Card - No annual fee - 15.9% APR variable
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed (?) 0%* 10 months* 15.90%* N/A* 59 days* Good*

[6] RBS Platinum Credit Card
Terms |  More Info	- 0% balance transfers for 15 months - 0% interest on purchases for 3 months from account opening - 2.9% Balance transfer fee – (minimum £5) - Typical 16.9% APR (variable) - 1% off the APR for Royalties Gold customers - Free additional cardholder
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed (?) 0%* 15 months on BT* 16.90%* £0.00* 56 days* Good*

[7] NatWest Platinum Credit Card
Terms |  More Info	- 0% on balance transfers for 15 months - 0% on purchases – for three months - 2.9% balance transfer fee - (minimum £5) - Typical 16.9% APR (variable) - 1% off the APR for Advantage Gold customers – guaranteed on our standard credit card rate for at least 12 months.
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed (?) 0%* 15 months on BT* 16.90%* £0.00* 56 days* Good*

[8] RBS Classic Credit Card
Terms |  More Info	- 4.9% p.a. on purchases for nine months from opening your account - No annual fee - Typical 19.9% APR (variable) - 56 days interest free credit on purchases - Free additional card
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed (?) 4.9%* 9 months* 19.90%* £0.00* 56 days* Good*

[9] NatWest Classic Credit Card
Terms |  More Info	- 4.9% p.a. on purchases for nine months from opening your account - No annual fee - Typical 19.9% APR (variable) - Withdraw cash – up to £300 or the foreign currency equivalent, from cash machines the world over - NatWest Wine Club savings
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed (?) 4.9%* 9 months* 19.90%* £0.00* 56 days* Good*

[10] Bank of Scotland All in One Card
More Info	- 0% for 10 months on balance transfers made in the first 90 days - 0% for 10 months on new purchases - A typical rate of 15.9% APR (variable) - A handling fee of 3% applies for each balance transfer - Master Card benefits package - 59 days grace period
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed (?) 0%* 10 months* 15.90%* N/A* 59 days* Good*

[11] Barclaycard Platinum Visa® Card
More Info	- 0% interest on balance transfers until July 2011 from account opening (2.9% handling fee applies) - 0% interest on purchases for 3 months from account opening - A reward programme like no other, with Barclaycard Freedom automatically earn while you shop at participating retailers. - With contactless payment technology, a new quick and easy way to pay for purchases of £15 or under - 15.9% APR typical (variable)
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed (?) 0%* 15 months on BT* 15.90%* £0.00* Up to 56 days* Good*

[12] Barclaycard Platinum Simplicity Credit Card
More Info	- Simply our lowest APR - A low rate on all your purchases - 6.8% interest on all balance transfers until paid in full (no handling fee applies) - A reward programme like no other, with Barclaycard Freedom automatically earn while you shop at participating retailers - With contactless payment technology, a new quick and easy way to pay for purchases of £10 or under - 6.8% APR typical (variable)
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed (?) N/A* N/A* 6.80%* £0.00* Up to 56 days* Good*

[13] Barclaycard Initial Credit Card
Terms |  More Info	- Strengthen your credit rating - Enjoy a credit limit of up to £2,000 (minimum £250) - Go contactless – Make purchases of £10 and under in an instant wherever you see the contactless symbol - 29.9% APR typical (variable)
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed (?) N/A* N/A* 29.90%* £0.00* Up to 56 days* Limited*

[14] National Trust Credit Card
More Info	- The National Trust will receive £15 when you use your card within 90 days of the account opening - They will also receive 30p for every £100 you spend on card purchases - And £2.00 for every year you continue to use the card - Save £5 when you use your National Trust Credit Card to spend £25 or more in National Trust Shops* - 0% on balance transfers for 12 months (3% handling fee) - 0% on money transfers from your credit card to your current account for 12 months (4% handling fee) - 0% on card purchases for 3 months from the date your account is opened - 16.9% APR typical rate (variable) - No Annual Fee
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed (?) 0%* 12 months* 16.90%* £0.00* 50 days* Good*

[15] Sainsbury's Credit Card
More Info	- Every time you shop at Sainsbury's with your Credit Card we'll give you 2 Nectar points for every £1 you spend in the first 2 years. That's doubling your Nectar points on every Sainsbury's shop when you swipe your Nectar card. - 0% for the first 12 months on Sainsbury's shopping - 0% for the first 10 months on all other shopping - 0% for the first 10 months on balance transfers (+3% fee) - Collect 1 point per £5 when you use your Sainsbury's Credit Card elsewhere - Withdraw cash in over 24 million locations worldwide (fees apply) - Enjoy safe and secure payments with Chip and PIN
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed (?) 0%* 12 months* 15.90%* £0.00* up to 55 days* Good*

[16] HSBC Bank Credit Card
Terms |  More Info	- 0% for 15 months on balances transferred within 30 days of you opening your account. 2.9% balance transfer fee applies, minimum £5. - 0% on purchases for 3 months from account opening. - Typical 16.9% APR variable. - No annual fee to pay. - Free additional credit card for partners or family members over 18. - 24-hour worldwide assistance and an emergency cash advance if your card is lost or stolen. - Up to 8% discount on Thomas Cook holidays booked through the HSBC Travel Club. - Up to 56 days' interest-free period available when you pay your whole credit card balance in full and on time
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed (?) 0%* 15 months* 16.90%* £0.00* 56 days* Good*

[17] Virgin Atlantic American Express® White Card
Terms |  More Info	- 3,000 Flying Club miles with first purchase - 1 mile for every 1£ spent - No annual fee - 0% APR on Balance Transfers for 6 months - American Express card benefits
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed (?) 0%* 6 months* 17.90%* N/A* 46 days* Good*

[18] Virgin Atlantic American Express® Black Card
Terms |  More Info	- 6,000 bonus miles with your first card purchase - 2 miles for every £1 spent - £115 annual fee - 0% APR on Balance Transfer for 6 months - American Express Black card benefits
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed (?) 0%* 6 months* 18.90%* £115.00* 46 days* Good*

[19] Virgin Purchases Credit Card
Terms |  More Info	- 0% on card purchases for 12 months - 0% on balance transfers for 12 months (rate applies to transfers made in the first 60 days, handling fee of 2.98% applies) - Typical rate 18.9% APR (variable) - No annual fee - 50 days grace period - Issued by MBNA Europe Bank Limited
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed (?) 0%* 12 months* 18.90%* £0.00* 50 days* Good*

[20] MBNA 5.9% APR Rate For Life Credit Card
More Info	- A promotional rate on balance transfers and money transfers - 5.9% for the life of the transferred balances* 2% handling fee for balances transferred in the first 60 days, 3% thereafter (4% for money transfers) - Ideal for rearranging your finances and consolidating loans* - Verified by Visa™ - With MBNA Secure - 16.9% APR typical rate (variable) - Paperless Statements - Free 24 hour worldwide Customer Satisfaction Helpline
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed (?) 5.9%* for Life of Balance* 16.90%* £0.00* 50 days* Good*

* Before applying for card online you should always be aware of the conditions and terms of the offer. While the company will make every effort to make sure all information in correct, doing your part is always recommended. There is no warranty on any of the credit card information presented.

** Every account comes with a guide; you should read this in order to be sure you get the maximum amount of benefits. You will also find details the restrictions that come with your new account.

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