Low Interest Cards

[1] 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*

[2] 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*

[3] Bank of Scotland Plus Card
More Info	- 0% for 13 months on balances transfers (3% fee applies) - 0% for 3 months on purchases - Master Card benefits package - 59 days grace period - Representative Example: Based on borrowing £1,200 repaid over 12 months the representative rate would be 16.9% APR (variable). The purchase rate is 16.94% pa (variable). Credit limits and interest rates will vary based on your individual circumstances.
Intro APR Intro APR Period Representative variable APR Annual Fee Grace Period Credit Needed (?) 0%* See T&C* 16.90%* £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] Barclaycard Platinum Simplicity Credit Card
More Info	- Simply our lowest APR - 7.9% interest on all purchases and on all balance transfers (no handling fee applies) - Barclaycard Freedom - a reward programme like no other - Your new Barclaycard will automatically be set up with paperless statements making it easier to manage your account online* - Representative Example: 7.9% APR Representative (variable). Based on 0% balance transfer fee, credit limit of £1200.00, annual interest rate (variable) 7.9%. Barclays Bank Plc., 1 Churchill Place, London, E14 5HP
Intro APR Intro APR Period Representative variable APR Annual Fee Grace Period Credit Needed (?) N/A* N/A* 7.90%* £0.00* Up to 56 days* Good*

[6] 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*

[7] 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*

[8] 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*

[9] Capital One Click Credit Card
More Info	- If you love shopping online, the Click Card is designed for you - Exclusive access to great brand discounts with eXtras plus Enhanced security - 9.9% p.a. variable on purchases, balance transfers and cash withdrawals - No annual fee - Representative Example: Assuming a credit limit of £1,200 and an interest rate on purchases of 9.94% p.a. variable, you will receive a 9.9% APR representative variable.
Intro APR Intro APR Period Representative variable APR Annual Fee Grace Period Credit Needed (?) N/A* N/A* 9.90%* £0.00* 56 days* Good*

[10] Capital One Transfer Card
More Info	- 0% on balance transfers for 10 months - 0% on purchases for 6 months - A credit limit of up to £16,000 - 2.9% balance transfer fee - Representative Example: Assuming a credit limit of £1,200 and an interest rate on purchases of 16.83% p.a. variable, you will receive a 16.8% APR representative variable.
Intro APR Intro APR Period Representative variable APR Annual Fee Grace Period Credit Needed (?) 0%* 10 months on BT* 16.80%* £0.00* 26 days* Good*

[11] 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*

[12] e-Platinum Plus Shopping Credit Card
Terms |  More Info	- Platinum Privileges - 0% APR Fixed forever - Guaranteed approval - No Credit check - £5,000 credit line - 60 Second application - No minimum income required
Opening Min App Fee ATM Fee Other Fees Credit Reporting Credit Needed (?) £10.00 N/A* N/A View Yes Bad Credit OK* Application fee Enrollment fee Fee for Exceeding the Credit Limit Fee for Returned Cheques Fees for Paying Late £14.00 £85.95 N/A £15.00 £5.00 Inactivity Fee Minimum Finance Charge Monthly maintenance fee Retured ACH Debits and Credit Cards £9.95 N/A £4.95 £15.00

[13] 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*

[14] Halifax Plus Credit Card
More Info	- 0% for the first 17 months on balance transfers (3% balance transfer fee applies) - 0% for the first 3 months on new purchases - No annual fee - 5 card colours: black, pink, white, red or blue Representative Example: Based on borrowing £1,200 and repaying over 12 months the representative rate would be 16.9% APR (variable). The purchase rate is 16.94% pa (variable). Halifax, The Mound, Edinburgh EH1 1YZ.
Intro APR Intro APR Period Representative variable APR Annual Fee Grace Period Credit Needed (?) 0%* 17 months on BT* 16.90%* N/A* 59 days* Good*

[15] 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*

[16] 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*

[17] Lloyds TSB Advance Credit Card
Terms |  More Info	- 0% on purchases for the first 6 months. - 4.9% pa for 12 months on balances transferred within the first 90 days (3% fee applies) - if you spend £100 or more in the first 3 months. - Representative Example: 11.9% APR Representative (variable). Based on 3% balance transfer fee, credit limit of £1200.00, annual interest rate (variable) 11.9%
Intro APR Intro APR Period Representative variable APR Annual Fee Grace Period Credit Needed (?) 0%* 6 months* 11.90%* N/A* 56 days* Good*

[18] Lloyds TSB Airmiles Duo AMEX Card
More Info	- 1 Airmile for almost every £1 you spend for the first 3 months - 1 Airmile for almost every £10 you spend after that - Double Airmiles abroad - 0% interest on balance transfers for 6 months (3% fee) Minimum spend of £100 in the first 3 months applies - No annual fee - Accepted at 29.9 million places worldwide - Representative Example: 15.9% 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%* 6 months* 15.90%* £0.00* 56 days* Good*

[19] Lloyds TSB Airmiles Duo Credit Card
More Info	- 1 mile for every £10 you spend with the Lloyds TSB American Express card* - 1 mile per £50 you spend with the Lloyds TSB MasterCard* - 0% interest on balance transfers for 6 months (3% fee) Minimum spend of £100 in the first 3 months applies** - Double miles when you use your Credit Cards abroad - Apply and be accepted for the Credit Cards online to get a 1,500 Airmile voucher - No annual fee - Representative Example: 15.9% 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%* 6 months* 15.90%* £0.00* 56 days* Good*

[20] Lloyds TSB Airmiles Duo MasterCard
More Info	- 1 mile per £50 you spend with the Lloyds TSB MasterCard - 0% interest on balance transfers for 6 months (3% fee) Minimum spend of £100 in the first 3 months applies - Double Airmiles abroad - Apply and get a 1,500 Airmile voucher - No annual fee - Accepted at 29.9 million places worldwide - Representative Example: 15.9% 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%* 6 months* 15.90%* £0.00* 56 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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