Universal Reward Cards

[1] 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*

[2] 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*

[3] 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*

[4] 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*

[5] 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*

[6] 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 - 16.9% APR typical rate (variable) - No mileage expiration
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed (?) 0%* 12 months* 16.90%* £0.00* 50 days* Good*

[7] Play.com Credit Card from MBNA
More Info	- 0% on card purchases for 9 months - 0% on balance transfers for 6 months (1.5% handling fee) - 16.9% APR typical rate (variable) - No annual fee - Collecting Play Points is easy: use your Play.com Credit Card for everyday purchases such as buying groceries, filling up with petrol or even paying for holidays and you'll be amazed how quickly your Points build up! - 2 Play Points for every £1 you spend at Play.com - 1 Play Point for every £1 you spend elsewhere - 1,500 bonus Play Points if you spend £150 on your card within 90 days of your account opening - you can redeem these Points for a £15 Voucher!
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed (?) 0%* 9 months* 16.90%* N/A* 50 days* Good*

[8] American Express Platinum Charge Card
More Info	- 40,000 bonus Membership Rewards points - Platinum Benefits - Charley Boorman travel vodcasts - Supplementary Cards - No pre-set spending limit - Get a response in just 60 seconds
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed (?) N/A* N/A* 0* £300.00* 45 days* Excellent*

[9] American Express Preferred Rewards Gold Card
More Info	- Double Membership Rewards points on your travel spend - 1 point for virtually every £1 you spend elsewhere - No pre-set spending limit - Gold Card Travel Service - No interest charges - just pay your balance in full every month - Get a response in just 60 seconds
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed (?) N/A* N/A* 0* £75.00* 45 days* Good*

[10] American Express Express Rewards Card
More Info	- 18,000 bonus point incentive when you spend £500 a month in your first 3 months - 3 points for every £1 spent at major UK supermarkets - 2 points for every £1 at UK department stores - 1 point for every £1 elsewhere - 0% on purchases for the first 6 months - No annual fee - 17.9% APR
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed (?) 0%* 6 months* 17.90%* £0.00* 56 days* Good*

[11] Tesco Credit Card
Terms |  More Info	- 0% interest for 13 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
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed (?) 0%* 13 months* 16.90%* £0.00* 51 days* Good*

[12] AA Credit Card
More Info	- 0% for 12 months on ALL purchases - 0% for 9 months on Balance transfers (+3% fee) - 18.9% APR typical variable - Earn AA Reward Points on your everyday card purchases, and earn double points on motoring, fuel and AA products. Use your points to purchase from a range of motoring products and services, AA Home or Car Insurance, shopping vouchers or even cash back
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed (?) 0%* 12 months* 18.90%* N/A* 50 days* Good*

[13] MBNA Platinum Rewards Credit Card
More Info	- 0% on balance transfers for 13 months (2.9% handling fee). For this great rate your balance needs to be transferred within the first 90 days of opening your account. - 0% on money transfers from your credit card to your current account for 13 months (4% handling fee). Remember for this great rate you need to transfer money within the first 90 days of opening your account. - 0% on card purchases for 3 months from the date your account is opened. - 16.9% APR typical rate (variable).
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed (?) 0%* 13 months* 16.90%* £0.00* 50 days* Good*

[14] American Express Starwood Preferred Guest Credit Card
More Info	- 10,000 bonus Starpoints - Earn 1 Starpoint for every full £1 spent - Receive a Free Weekend Night - Experience Gold Preferred Guest status - Share the benefits with friends and family - £75 annual fee - Get a response in just 60 seconds
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed (?) N/A* N/A* 19.90%* £75.00* 56 days* Excellent*

[15] American Express Platinum CashBack Credit Card
Terms |  More Info	- 5% cashback in first 3 months up to £100 - Up to 1.25% after that, with no limit on how much you earn - 0% on purchases for the first 6 months - No annual fee - 19.9% APR
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed (?) 0%* 6 months* 19.90%* £0.00* 56 days* Good*

[16] FairFX Euro Currency Card
Terms |  More Info	- EURO Currency Prepaid Debit Card - Market-leading exchange rates - 0% management fees or hidden charges - 0% fees on transactions, low ATM fees - Fix the rate when loading so you know what everything costs when using the card - Load up to £2,500 at any one time - Chip and pin protected for your security - Accepted at millions of outlets
Opening Min App Fee ATM Fee Other Fees Credit Reporting Credit Needed (?) N/A N/A* N/A View No Accepts All* ATM FairFX fees apply (EUR) Card price €1.50 £9.95 Refund Fee of Unauthorised transactions administration fee £10.00 £5.00

[17] Chelsea Rewards Credit Card
More Info	- 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) - Reward Points: you will get access to one of the biggest credit card reward schemes available today. For every £1 you spend on card purchases, we'll give you 1 Reward Point, so you'll soon rack up enough points to earn valuable Rewards - No Annual Fee - Paperless Statements - Fraud Protection
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed (?) 0%* 12 months* 16.90%* £0.00* 50 days* Good*

[18] 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 - Typical rate 16.9% APR variable - Access to a fantastic rewards programme - Earn 1 point for every £1 you spend
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed (?) 0%* 12 months* 16.90%* £0.00* 50 days* Good*

[19] Manchester United FC Credit Card
More Info	- Red Rewards: You could win fantastic Manchester United 'money can't buy' prizes simply by using your MU credit card - 0% on balance transfers for 12 months (3% handling fee) - 0% on card purchases for 3 months - 16.9% APR typical rate (variable) - No Annual Fee - Paperless Statements - Fraud Protection
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed (?) 0%* 12 months* 16.90%* £0.00* 50 days* Good*

[20] Liverpool FC Rewards Credit Card
More Info	- Official 5 Star LFC Credit Card - 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) - Reward Points: For every £1 you spend on card purchases, we'll give you 1 Reward Point, so you'll soon rack up enough points to earn valuable Rewards - Contributions made to the Club by MBNA Europe Bank Limited, the card issuer, every time you make a card purchase, at no extra cost to you - 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*

* 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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