Low Interest Cards

[1] Capital One World Master Card
More Info	- Unlimited Cashback - Earn 1% on EVERYTHING you buy - £10 bonus credit every January - Annual Fee applies - Representative Example: 19.9% APR Representative (variable). Based on £18.00 annual fee, credit limit of £1200.00, annual interest rate (variable) 14.47%. Capital One (Europe) Plc., Trent House, Station Street, Nottingham, NG2 3HX
Intro APR Intro APR Period Representative variable APR Annual Fee Grace Period Credit Needed (?) N/A* N/A* 19.90%* £30.00* 45 days* Good*

[2] Lloyds TSB Platinum Credit Card
More Info	- 0% interest for 14 months on balances transferred within the first 90 days (3% fee applies). Minimum spend of £100 in the first three months applies - 0% interest on purchases for 3 months - No annual fee - Extra security including chip and PIN technology, and fraud loss guarantee - Representative Example: 17.9% APR Representative (variable). Based on 3.0% balance transfer fee, credit limit of 1200.00, annual interest rate (variable) 16.7%.
Intro APR Intro APR Period Representative variable APR Annual Fee Grace Period Credit Needed (?) 0%* 14 months* 17.90%* £0.00* 56 days* Good*

[3] Bank of Scotland All in One Card
More Info	- 0% for the first 12 months on balance transfers (3% balance transfer fee applies) - 0% for the first 12 months on new purchases - A handling fee of 3% applies for each balance transfer - Master Card benefits package - 59 days grace period - Representative Example: 17.9% APR Representative (variable). Based on 3% balance transfer fee, credit limit of 1200.00, annual interest rate (variable) 15.9%.
Intro APR Intro APR Period Representative variable APR Annual Fee Grace Period Credit Needed (?) 0%* 12 months* 17.90%* £0.00* 59 days* Good*

[4] Bank of Scotland Purchase Offer Credit Card
More Info	- For current account holders - 0% for the first 13 months on balance transfers (3% balance transfer fee applies) - 0% for the first 13 months on new purchases - No annul fee - 5 card colours: pink, black, red, white, or blue - Representative Example: Based on borrowing £1,200 and repaying over 12 months the representative rate would be 17.9% APR (variable). The purchase rate is 17.94% pa (variable).
Intro APR Intro APR Period Representative variable APR Annual Fee Grace Period Credit Needed (?) 0%* See T&C* 17.90%* £0.00* 59 days* Good*

[5] Halifax Purchase Offer Credit Card
More Info	- 0% for the first 13 months on balance transfers (3% balance transfer fee applies) - 0% for the first 13 months on new purchases - No annul fee - 5 card colours: pink, black, red, white, or blue Representative Example: Based on borrowing £1,200 and repaying over 12 months the representative rate would be 17.9% APR (variable). The purchase rate is 17.94% pa (variable). Halifax, The Mound, Edinburgh EH1 1YZ.
Intro APR Intro APR Period Representative variable APR Annual Fee Grace Period Credit Needed (?) 0%* 13 months* 17.90%* £0.00* 59 days* Good*

[6] NatWest World MasterCard®
More Info	- 0% on purchases for 13 months from account opening. Thereafter the standard annual rate for purchases will be 17.9% p.a. (variable). - 0% on balance transfers for 13 months from account opening (2.9% fee, min £5) on any balances you transfer within three months of opening your account. Thereafter the standard annual rate for balance transfers will be 17.9% p.a. (variable). - 2,500 bonus NatWest YourPoints that you can use towards flights, holidays and some great brands like M&S, Boots and Amazon. - No annual fee - Representative Example: Representative 17.9% APR (variable) based on an assumed Credit Limit of £1,200. Standard interest rate for purchases: 17.95% p.a. (variable)
Intro APR Intro APR Period Representative variable APR Annual Fee Grace Period Credit Needed (?) 0%* 13 months* 17.90%* £0.00* 56 days* Good*

[7] RBS World MasterCard®
More Info	- 0% on purchases for 13 months from account opening. Thereafter the standard annual rate for purchases will be 17.9% p.a. (variable). - 0% on balance transfers for 13 months from account opening (2.9% fee, min £5) on any balances you transfer within three months of opening your account. Thereafter the standard annual rate for balance transfers will be 17.9% p.a. (variable). - 2,500 bonus RBS YourPoints that you can use towards flights, holidays and some great brands like M&S, Boots and Amazon. - No annual fee - Representative Example: Representative 17.9% APR (variable) based on an assumed Credit Limit of £1,200. Standard interest rate for purchases: 17.95% p.a. (variable)
Intro APR Intro APR Period Representative variable APR Annual Fee Grace Period Credit Needed (?) 0%* 13 months* 17.90%* £0.00* 51 days* Good*

[8] Bank of Scotland Advantage Credit Card
More Info	- 13 months 0% interest free period on Balance Transfers and Purchases - 3% balance transfer fee applies - Existing Bank of Scotland customers only - No annual fee - Representative Example: Based on borrowing £1,200 and repaying over 12 months the representative rate is 17.9% APR (variable). The purchase rate is 17.95% pa (variable)
Intro APR Intro APR Period Representative variable APR Annual Fee Grace Period Credit Needed (?) 0%* 13 months* 17.90%* £0.00* 59 days* Good*

[9] Halifax Balance Transfer Credit Card
More Info	- 0% for the first 22 months on balance transfers up to £3,000* (3.5% fee applies) - 0% for the first 3 months on purchases - No annual fee - Representative Example: Based on borrowing £1,200 and repaying over 12 months the representative rate is 17.9% APR (variable). The purchase rate is 17.95% pa (variable)
Intro APR Intro APR Period Representative variable APR Annual Fee Grace Period Credit Needed (?) 0%* See T&C* 17.90%* £0.00* 56 days* Good*

[10] Barclaycard Platinum Transfer Card
Terms |  More Info	- 0% interest on balance transfers for 21 months from account opening (3.0% handling fee applies) - Plus, refund offer which reduces handling fee to equivalent of 2.6% for everyone (terms and conditions apply) - Request a balance transfer quickly and easily as part of your application - 0% interest on purchases for 3 months from account opening - Barclaycard Freedom - a reward programme like no other - Representative Example: 17.5% APR Representative (variable). Based on 3% balance transfer fee, credit limit of £1200.00, annual interest rate (variable) 17.5%.
Intro APR Intro APR Period Representative variable APR Annual Fee Grace Period Credit Needed (?) 0%* 21 months on BT* 17.50%* £0.00* Up to 56 days* Good*

[11] 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 - Representative Example: 16.94% APR Representative (variable). Based on 3% balance transfer fee, credit limit of 1200.00, annual interest rate (variable) 16.94%.
Intro APR Intro APR Period Representative variable APR Annual Fee Grace Period Credit Needed (?) 0%* 12 months* 16.94%* £0.00* See T&C** Good*

[12] HSBC Bank Credit Card
Terms |  More Info	- 0% for 23 months on balances transferred within 30 days of you opening your account. 3.3% balance transfer fee applies, minimum £5. - 0% on purchases for 3 months from account opening - No annual fee to pay - Free additional credit card for partners or family members over 18 - Representative example: based on an assumed credit of £1200, our 16.9% rate p.a for new purchases gives a representative rate of 16.9% APR variable.
Intro APR Intro APR Period Representative variable APR Annual Fee Grace Period Credit Needed (?) 0%* 23 months* 16.90%* £0.00* 56 days* Good*

[13] MBNA Retail Rewards American Express® Credit Card
More Info	- A long term card purchase rate of 0% p.a for 12 months on every card purchase - A card purchase rate of 0% p.a for 6 months - Access to a fantastic rewards programme - Earn 1 point for every £1 you spend - Representative 16.9% APR (variable)
Intro APR Intro APR Period Representative variable APR Annual Fee Grace Period Credit Needed (?) 0%* 12 months* 16.90%* £0.00* 50 days* Good*

[14] 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 - Paperless Statements - Free 24 hour worldwide Customer Satisfaction Helpline - Representative 16.9% APR (variable)
Intro APR Intro APR Period Representative variable APR Annual Fee Grace Period Credit Needed (?) 5.9%* for Life of Balance* 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 12 months on all other shopping - 0% for the first 12 months on balance transfers (+3% fee) - Collect 1 point per £5 when you use your Sainsbury's Credit Card elsewhere - Representative Example: 16.9% APR Representative (variable). Based on 3% balance transfer fee, credit limit of 1200.00, annual interest rate (variable) 16.9%.
Intro APR Intro APR Period Representative variable APR Annual Fee Grace Period Credit Needed (?) 0%* 12 months* 16.90%* £0.00* up to 55 days* Good*

[16] MBNA Platinum Plus Dual Credit Card
More Info	- 0% on balance transfers for 10 months from account opening date (3% handling fee.) - 0% on all your card purchases for 10 months - 0% on money transfers for 10 months - No Annual Fee - Paperless Statements - Fraud Protection - Representative 16.9% APR (variable)
Intro APR Intro APR Period Representative variable APR Annual Fee Grace Period Credit Needed (?) 0%* 10 months* 16.90%* £0.00* 50 days* Good*

[17] RSPCA Credit Card
More Info	- For more than 180 years the RSPCA has been working to relieve the suffering of animals. Take out an RSPCA card today and MBNA Europe Bank Limited, the card issuer, will make a payment of £20 to the RSPCA. After that, for every £100 spent on card purchases, we receive 25p and it won't cost you a penny extra. - As little as £3 can help to pay towards our animal rescues, £10 could help to pay for treatment of an abused animal and £25 could help to pay for a loving new home for an abandoned kitten. With the RSPCA Credit Card, it’s not only the animals we rescue that benefit. Read on to find out more about how you could also benefit. - 0% on balance transfers for 12 months (3% handling fee) - 0% on card purchases for 3 months - No Annual Fee - Representative 16.9% APR (variable)
Intro APR Intro APR Period Representative variable APR Annual Fee Grace Period Credit Needed (?) 0%* 12 months* 16.90%* £0.00* 50 days* Good*

[18] BT Cash Credit Card
More Info	- Earn money off your BT bill* with the BT Credit Card - 0% on balance transfers for 13 months (3% handling fee) - 0% on card purchases for 3 months - Online Banking - Fraud Protection - Representative 16.9% APR (variable)
Intro APR Intro APR Period Representative variable APR Annual Fee Grace Period Credit Needed (?) 0%* 13 months* 16.90%* £0.00* 50 days* Good*

[19] BT Retail Credit Card
More Info	- Every time you spend on your BT Credit Card you'll earn money off your BT bill* - An outstanding introductory card purchase rate of just 0% on petrol station and supermarket spend for 10 months - An outstanding introductory balance transfer rate of 0% for 6 months (2% handling fee applies) - The petrol and supermarket offer is available instore only and includes most major UK supermarkets: Tesco, Sainsbury's, Asda, Morrisons, Waitrose, Iceland, Somerfield, Co-op and Aldi. - Manage your account online - Free 24 hour worldwide Customer Service Helpline - Representative 16.9% APR (variable)
Intro APR Intro APR Period Representative variable APR Annual Fee Grace Period Credit Needed (?) 0%* 10 months* 16.90%* £0.00* 50 days* Good*

[20] Miles & More American Express® credit card from MBNA
More Info	- Receive a welcome bonus of 1,500 award miles - 2 award miles for every £1 you spend during the first 6 months - 1.5 award miles per £1 spent thereafter - Redeem your award miles for fabulous rewards including flights, upgrades, hotel stays and much more! - 0% on balance transfers for 12 months (3% handling fee) - 0% on card purchases for 3 months - Representative 16.9% APR (variable) - No mileage expiration
Intro APR Intro APR Period Representative variable APR Annual Fee Grace Period Credit Needed (?) 0%* 12 months* 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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