Your credit card results
Credit Card
Provider
APR
(Typical)
Balance Transfers
Rate & Period
Transfer Fee
Purchases
Rate & Period
Loyalty Scheme
Further
Options
39.9%(variable)
No introductory offer
No Fee
No introductory offer
No loyalty scheme
The Abacus credit card from Vanquis Bank is for those who are new to credit or those with credit problems. Those with lower incomes are accepted but you will be charged a higher rate of interest. It still gives you 56 days interest free for purchases.
OUR OPINION
34.9%(variable)
No introductory offer
No Fee
No introductory offer
No loyalty scheme
The Capital One Classic credit card is for those looking to build a credit rating or those trying to repair their ratings after bad credit.
OUR OPINION
29.9%(variable)
No introductory offer
No Fee
No introductory offer
No loyalty scheme
19.9%(variable)
No introductory offer
No Fee
No introductory offer
No loyalty scheme
The Gold card from Vanquis offers those who have just moved house or self employed the opportunity to build up a credit rating.
OUR OPINION
12.9%
(variable)
5.9% Low Rate On Transfers For Life Of Balance
No Fee
No introductory offer
No loyalty scheme

Marks & Spencers MORE Credit Card
16.9%
(variable)
3.9% until balance repaid
No Fee
0% for 12 months on purchases
Earn &MORE points and 0% on furniture purchases for 2 years
15.9%(variable)
5.94% until balance paid for first 6 months
No Fee
0% for 10 months on purchases
Savings at Sainsburys
Best credit card on the market for making purchases. It offers the longest period of 0% purchases. A whopping 10 months! If you plan to make a big purchase such as a holiday this is the card for you.
OUR OPINION
15.9%(variable)
5.94% until balance paid for first 6 months
No Fee
0% for 10 months on purchases
Savings at Sainsburys
16.9%
(variable)
0% for 9 months on balance transfers
2% balance transfer fee, £49 maximum, £5 minimum
0% for 9 months on purchases
No loyalty scheme
16.9%
(variable)
0% for 9 months on balance transfers
2% balance transfer fee, £49 maximum, £5 minimum
0% for 9 months on purchases
No loyalty scheme
16.9%
(variable)
0% for 9 months on balance transfers
2% balance transfer fee, £49 maximum, £5 minimum
0% for 9 months on purchases
No loyalty scheme
16.9%
(variable)
0% for 9 months on balance transfers
2% balance transfer fee, £5 minimum, no maximum
0% for 9 months on purchases
No loyalty scheme
Natwest offer one of the better cards on the UK market with a 0% credit card for 9 months on both purchases and balance transfers. Be aware of the 2% balance transfer fee though it is still an attractive offer.
OUR OPINION

Halifax One Card
9.9%(variable)
0% for 9 months on balance transfers
3% balance transfer fee, no maximum
0% for 9 months on purchases
No loyalty scheme
16.9%(variable)
4.95% until balance repaid
No Fee
0% for 8 months on purchases
No loyalty scheme
15.9%
(variable)
0% up to 6 months & 5 months on 1st & 2nd year anniversary
2.5% balance transfer fee, no maximum
0% up to 6 months
No loyalty scheme
15.9%
(variable)
0% for 12 months on balance transfers
2.5% balance transfer fee, no maximum
0% for 6 months on purchases
1 point for every £1 spent, plus 2,000 bonus points when card used within 90 days

Morgan Stanley Buy & Fly
15.9%
(variable)
0% for 6 months on balance transfers
2% balance transfer fee, £50 maximum, £3 minimum
0% for 6 months on purchases
One buy and fly! point for every £10 of purchases.
14.9%
(variable)
0% for 6 months on balance transfers
2% balance transfer fee, £50 maximum, £5 minimum
0% for 6 months on purchases
Exclusive Travel Benefits
14.9%(variable)
0% for 6 months on balance transfers
2% balance transfer fee, £5.00 minimum, no maximum
0% for 6 months on purchases
No loyalty scheme
15.9%
(variable)
0% for 13 months on balance transfers
2.98% balance transfer fee, no maximum
0% for 3 months on purchases
Receive discounts on other Virgin products with your card
Virgin are one of the most recognised credit cards on the UK market. This new updated offer is a market leader for balance transfers but there is a handling fee for your transfer of 2%!
OUR OPINION
14.9%
(variable)
0% for 8 months on balance transfers
2.5% balance transfer fee, £3.00 minimum, no maximum
0% for 3 months on purchases
No loyalty scheme
Post Office was one of the most popular credit cards in the UK but they no longer offer a balance transfer without a fee following the lead of most other credit card providers. There are cards that offer 12 months with a similar fee so shop about.
OUR OPINION
14.9%
(variable)
0% for 12 months on balance transfers
2.5% balance transfer fee, £2.50 minimum, no maximum
0% for 3 months on purchases
No loyalty scheme
14.9%
(variable)
0% for 7 months on balance transfers
2% balance transfer fee, £50 maximum, £5 minimum
0% for 7 months on purchases
Exclusive Travel Benefits
14.9%(variable)
0% for 9 months on balance transfers
2% balance transfer fee, £50.00 maximum, £5.00 minimum
No introductory offer
8% off Thomas Cook Holidays

Cahoot Credit Card
11.8%(variable)
No introductory offer
No Fee
No introductory offer
No loyalty scheme
9.9%
(variable)
Permanently Low Rate
No Fee
Permanently Low Rate
No loyalty scheme