Low Interest Cards

[1] 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*

[2] 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*

[3] 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*

[4] 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

[5] 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*

[6] Tesco Clubcard Credit Card
Terms |  More Info	- 0% interest for 15 months on ALL purchases from account opening - 0% interest for 9 months on balance transfers from account opening (2.9% fee) - A faster way to collect Clubcard points - 1 point awarded per £4 spent - Your way to collect Clubcard points - Apply online for an instant decision - A defaqto 5 star rating for excellent quality - Representative Example: 16.9% APR Representative (variable). Based on 2.9% 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%* 15 months* 16.90%* £0.00* 51 days* Good*

[7] 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*

[8] 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*

[9] 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*

[10] 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*

[11] 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*

[12] 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*

[13] 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*

[14] 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*

[15] 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*

[16] 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*

[17] 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*

[18] 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*

[19] 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*

[20] 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*

* 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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