Cahoot Credit Card

Cahoot has attempted to put in some fresh ideas into banking. Cahoot is a part of the Abbey National group. However, they are an Internet only bank with no high street presence. Their innovative approach and low costs mean they can offer exceptionally low rates across all their products.

The Cahoot credit card really has one of the lowest standard rates available in the UK. It doesn't offer any special introductory rates or offers only on balance transfers or purchases, they simply offer just 12% typical APR on purchases and balance transfers whenever you use it. When compared to some of the other credit cards on the market that offer up to 18% APR you could make a huge saving. cashback offers are also made on selected purchases. A choice of card design, online applications & account management and free purchase protection mean this card is a very exciting proposition.

You can also win up to £1000 off your balance in a free prize draw if you apply now.

Details of Cahoot Credit Card

Introductory Balance Transfers	N/A
Monthly Rate	N/A
Period	N/A
Introductory Purchases	N/A
Monthly Rate	N/A
Period	N/A
Standard APR	12%
Monthly Rate	0.9519%
Cash Advance APR	13.7%
Cash Advance Fee	1.5% (Min £2.50)
Minimum Payment Required	3% (Min £10)
Annual Fee	None
Loyalty Points	none
Travel Accident Insurance	No
Free Purchase Protection	90 Days, £50 - £3,500
Foreign Usage Fee	2.75%

Other benefits and features of Cahoot Credit Card

• Virtual online payment system - never use your real card number again
• Choice of card designs
• Free Purchase Protection
• Winner best credit card "standard rate" (moneyfacts)
• Online Applications

Cahoot Credit Card Review Summary The Cahoot credit card is a real fantastic credit card with the lowest of the lows APR in the UK market. If you have a balance to transfer you may be better off with a 0% option, but for a general every day card, Cahoot stands as a clear winner and cannot be beaten because of its extraordinary good value. The online account management functionality means you manage you account from anywhere 24hrs a day. One of the best credit cards available in the UK – definitely every UK resident should have one Cahoot Credit Card!

Link to previous articles: Halifax Credit Card Post Office Credit Card Goldfish Credit Card Buy & Fly Credit Card Hilton Honours Credit Card RSPCA Credit Card

Halifax Credit Card

Halifax - the bank with the famous tagline – “who gives you extra, we, we do!” - are one of the best known banks in the UK financial market. With a reputation of challenging the top banks with their competitive financial products so a Halifax credit card should be an attractive proposition.

And off course it is. The Halifax One Credit Card is one of the most competitive in the market. The Halifax introductory rate on balance transfers is 0%. This lasts for 12 months- one of the longest periods available. And it doesn't just apply to balance transfers. You can also enjoy huge discount on purchases that are also charged at only 0% for the first 9 months. This is one of the best 0% introductory rates on purchases and balance transfers available. And it's not just a good introductory rate. The Halifax One card charges only 12.9% APR after the promotional period making it one of the best value cards around. You also get 0.25% cashback on everything you spend.

Details of Halifax credit card

Introductory Balance Transfers	0%
Monthly Rate	0%
Period	12 Months
Introductory Purchases	0%
Monthly Rate	0%
Period	12 months
Standard APR	12.9%
Monthly Rate	1.016%
Cash Advance APR	25.4%
Cash Advance Fee	2% (Min £2.00)
Minimum Payment Required	2% (Min £5)
Annual Fee	None
Loyalty Points	None
Travel Accident Insurance	£50,000
Free Purchase Protection	60 Days, £50 - £2,500
Foreign Usage Fee	2.75%

Other Halifax One Credit Card Features and Benefits

• 9 Month 0% on Balance Transfers and Purchases
• Low standard rate
• cash back
• Free Purchase Protection
• Visa or MasterCard
• 24hr Customer Service Line
• Full online account management

Halifax One Credit Card Review Summary The Halifax One credit card is perhaps the most competitive credit card available in the UK. Its combination of long introductory period, low standard APR and cashback on purchases makes this one of the best all round cards anyone can get. You really cannot get a better card in the UK at the moment and gets the Credit Card Expert 5 Star rating. (Please note Halifax now charge a 2% handling fee on balance transfers)

Link to previous articles: Post Office Credit Card Goldfish Credit Card Buy & Fly Credit Card Hilton Honours Credit Card RSPCA Credit Card Mint Credit Card

Post office Credit Card

The Post Office credit card is a brand credit card from the great British institution - the Post Office! The post office has, for a long time, offered various financial products like savings, insurance and loans and now they have ventured into the business of credit cards with their brand name offering of the post office credit card.

The big difference with the post office credit card is that it is a double use card meaning you can use it as a credit card, with competitive rates or if you need to make a big purchase you can pre-arrange a personal loan on the card which carries a much lower rate of interest as compared to the regular purchases. You will still have to make a minimum payment but pre-arranging a loan for a purchase on the card carries an interest rate of just 6.8% pa. So if you wanted to buy, say a new refrigerator on your card, you could buy the Refrigerator as usual and then simply call the post office who will arrange for it to be put on the lower "loan" rate. You then have to pay that amount off in a 12 month period which is sufficient enough for you to repay it in easy installments.

You could obviously use the Post Office credit card like any normal credit card. They offer a great 0% on balance transfers for up to 8 months and 0% for 3 months on purchases and then a standard rate of just 14.9% APR, which is really on the lower side compared to what is offered by other cards in the UK market.

Another great benefit is for travellers - The post office are one of only a handfull of credit card providers who charge no commission on foreign currency purchases. Simple great offer!

Details of Post Office credit card

Introductory Balance Transfers	0%
Monthly Rate	0%
Period	8 Months
Introductory Purchases	0%
Monthly Rate	0%
Period	3 Months
Standard APR	14.9%
Monthly Rate	1.167 %
Cash Advance	14.9%
Cash Advance Fee	2% (Min £2.00)
Minimum Payment Required	2.5% (Min £5)
Annual Fee	None
Loyalty Points	None
Travel Accident Insurance	No
Free Purchase Protection	Yes
Foreign Usage Fee	0%

Other Post Office Credit Card Features and Benefits

• 0% on purchases abroad
• 2 in 1 - credit card and loan
• Free Purchase protection
• Chip and Pin
• 0% on balance transfers and purchases

Post Office Credit Card Review Summary The Post Office credit card is an interesting credit card product offered by the UK’s most reputed institute – The Post office. A first for the UK market in that it offers an innovative loan feature as well as all the features you would expect from a normal credit card. There are some good savings to be made by utilising this facility and the standard card product is also competitive. The 0% commisison on foriegn currency is also a big attraction.

Link to previous articles: Goldfish Credit Card Buy & Fly Credit Card Hilton Honours Credit Card RSPCA Credit Card Mint Credit Card Vanquis Credit Card

Goldfish Credit Card

The Goldfish credit card is a great offering in the UK credit card market and has become quite a popular credit cards in the UK.

The reasons for Goldfish credit card to become so popular are aplenty. Goldfish credit card offers a great long term balance transfer rate of 3.9% per annum until 1st July 2010( 3% fee applies) That means, any outstanding balance you have on other credit or store cards can be easily transferred to Goldfish and you could save lots of money using this long term balance transfer facility. The standard rate of 17.9% APR is also quite competitive.

And that’s not all. Goldfish credit card also offers one of the most comprehensive reward schemes in the UK market, with 1 point earned for every pound spent on the card. The reward point earned can be used for redemption against a huge variety of street shop goods and travel rewards.

Details of Goldfish credit card

Introductory Balance Transfers	3.9%
Monthly Rate	%
Period	July 2010
Introductory Purchases	N/A
Monthly Rate	N/A
Period	N/A
Standard APR	17.9%
Monthly Rate	1.385%
Cash Advance APR	26.8%
Cash Advance Fee	3% (Min £3)
Minimum Payment Required	2% (Min £5)
Annual Fee	None
Loyalty Points	1 point for every pound spent
Travel Accident Insurance	None
Free Purchase Protection	None
Foreign Usage Fee	2.75%

Other Goldfish Credit Card Features and Benefits

• 3.9% on balance transfers
• Choice of Goldfish card designs
• No Annual Fee
• 52 Days interest free credit
• 24hr Customer Service Line

Goldfish Credit Card Review Summary An excellent credit card in the UK markets with a great reward scheme. The Long term balance transfer scheme is also making this card very attractive.

Link to previous articles: Buy & Fly Credit Card Hilton Honours Credit Card RSPCA Credit Card Mint Credit Card Vanquis Credit Card Capital One Credit Card

Buy & Fly Credit Card

The Buy and Fly Credit Card is a new credit card offering a unique reward scheme.
This fantastic card is here to offer some superb APR interest rates, great rewards and allows you to manage your account totally online. The Buy & Fly card offers 3.9% p.a. on balance transfers fixed until 1st July 2010. The standard APR is 17.9%.

You also get free travel points every time you spend on the card, including double points for your first 6 months. You can redeem the travel points on 19 of the worlds leading airlines and UK travel operators.

Details of the Buy and Fly Credit Card

Introductory Balance Transfers	3.9%
Monthly Rate	%
Period	1st July 2010
Introductory Purchases	n/a
Monthly Rate	n/a
Period	n/a
Standard APR	17.9%
Monthly Rate	1.385%
Cash Advance APR	26.8%
Cash Advance Fee	2% (Min £3.00)
Minimum Payment Required	3% (Min £3)
Annual Fee	None
Loyalty Points	Travel Points
Travel Accident Insurance	£250,000
Free Purchase Protection	None
Foreign Usage Fee	2.75%

Other Buy & Fly Credit Card Features and Benefits

• No annual fee for Buy and Fly Credit Card
• Free Travel Accident Insurance
• Online Account Management 24/7
• Get free travel just for using your card

Buy & Fly Credit Card Review Summary The Buy and Fly Card is a great value credit card. An excellent value 0% on balance transfers and a competitive standard rate mean it is very attractive for almost anyone who frequently uses a credit card. Additional benefits are to earn rewards for travel and you have one of the best credit cards available in the UK. Managing the account should be easy with online account management 24/7.

Link to previous articles: Hilton Honours Credit Card RSPCA Credit Card Mint Credit Card Vanquis Credit Card Capital One Credit Card GM Platinum Credit Card

Hilton Honours Credit Card

The Hilton Honours platinum credit card is offered to you through a combined venture between the world's most famous Hilton Hotels group and the Beneficial bank, which is one the UK's largest affinity card issuers.

The Hilton credit card is a premium combination of very attractive set of both interest rates and reward schemes so you are all set to get all the advantages of low rates and the benefit of one of the most valuable reward schemes available - the Hilton Honors programme.

If you transfer a balance to the Hilton credit card you will be given a rate of 0% fixed for 6 months from account opening. SO if you have any outstanding balances on other credit or store cards you can transfer that balance to the Hilton card for a long enough period 6 months and pay no interest. The standard rate for purchases and balance transfers after the 6 month introductory period is 15.9% APR - which is quite competitive as per the UK market standards.

Whenever you make a purchase through this credit card you will receive Hilton Hhonors points and miles. These can be redeemed (and earned) at any Hilton hotel worldwide. So the more you use the card the more points you'll receive which could add up to some great rewards. If you already a Hilton Hhonors member you can retain your existing membership and simply add the points to those you already have. If your not a member just applying for a card will get you membership and you can start earning points for that holiday of a lifetime.

Details of Hilton Honours Platinum Credit Card

Introductory Balance Transfers	0%
Monthly Rate	0%
Period	6 Months
Introductory Purchases	N/A
Monthly Rate	N/A
Period	N/A
Standard APR	15.9%
Monthly Rate	1.24%%
Cash Advance APR	19.9%
Cash Advance Fee	1.75% (Min £2.50)
Minimum Payment Required	2% (Min £5)
Annual Fee	None
Loyalty Points	Hilton Hhonors points
Travel Accident Insurance	£150,000
Free Purchase Protection	None
Foreign Usage Fee	2.75%

Other Hilton Credit Card Features and Benefits

• Hilton Hhonors points every time you use your card
• Point Bonuses: Earn a 15% bonus on all HHonors Base points credited while you are a Silver VIP member
• Complimentary Health Club Privileges: Enjoy complimentary access to the health club or fitness center during your stay, at hotel owned and operated facilities
• VIP Only Rewards: HHonors Silver VIPs may choose from an exclusive selection of rewards at special VIP-only points levels
• 24hr Customer Service Line

• Full online account management • Decision in 60 seconds when you apply online Hilton Credit Card Review Summary The Hilton Hhonors credit card offers great rates and a good reward scheme. High spenders and those who frequently use Hilton hotels will quickly build up large volumes of points which can be used for holidays, free stays at Hilton Hotels or entertainment and merchandise from world famous companies.

Link to previous articles: RSPCA Credit Card Mint Credit Card Vanquis Credit Card Capital One Credit Card GM Platinum Credit Card Egg Credit Card

RSPCA Credit Card

The RSPCA credit card is issued by the Beneficial bank in alliance with the RSPCA. As the UK's most famous animal charity the RSPCA credit card allows you to have all the benefits of a very competitive credit card and the great sense of satisfaction that whenever you use this card and it benefits the RSPCA.

The card features are very attractive for a card of this type - 0% on balance transfers fixed for 5 months from account opening so you can take advantage of a great balance transfer rate if you have an existing credit card by switching to the RSPCA credit card. The standard rate of APR 14.9% is also highly competitive.

The real difference with this card is that it helps the RSPCA carry on their charity work. Just for subscribing to this card the RSPCA receives £15 from the card issuer Beneficial, and every time you spend on the card the RSPCA receives 25p out of every £100. And if you continue to use the card the RSPCA receives a further £1 on each anniversary of the card issue. This is a great way to help a great cause simply by using what most of do everyday - a credit card. The application form is a very simple and you even get a decision on your application in 60 seconds. What better credit card than one which offers great rates and allows you to help sick and injured animals through the RSPCA.

Details of the RSPCA credit card

Introductory Balance Transfers	0%
Monthly Rate	0%
Period	5 Months
Introductory Purchases	N/A
Monthly Rate	N/A
Period	N/A
Standard APR	14.9%
Monthly Rate	1.167%
Cash Advance APR	18.9%
Cash Advance Fee	1.75% (Min £2.50)
Minimum Payment Required	2% (Min £5)
Annual Fee	None
Loyalty Points	25p out of every £100 goes to the RSPCA
Travel Accident Insurance	£150,000
Free Purchase Protection	None
Foreign Usage Fee	2.75%

Other RSPCA Credit Card Features and Benefits

• £15 donated direct to the RSPCA just for taking out the card
• 25p for every £100 you spend goes to the RSPCA
• £1 for every year you hold the account goes to the RSPCA
• 24hr Customer Service Line
• Full online account management
• Decision in 60 seconds when you apply online

RSPCA Credit Card Review Summary The RSPCA credit card has a very attractive interest rate and great account features. But what really sets this card apart is the ability to donate to the RSPCA just by doing something we all do every day - use a credit card. The initial £15 payment to the RSPCA by Beneficial bank will allow the RSPCA to help sick and injured animals and the more you use the card the more the RSPCA will benefit. There are cards on the market with longer introductory rates and lower standard rates, but with this card you know that one of the most reputable and popular charities in the UK will benefit.

Link to previous articles: Mint Credit Card Vanquis Credit Card Capital One Credit Card GM Platinum Credit Card Egg Credit Card British Airways Credit Card

Mint Credit Card

The Mint credit card is a new card from the well established Royal Bank of Scotland that is being heavily promoted through different media channels and is attracting a huge amount of attention due to an excellent and innovative new shape of credit card - the curved edge (titled as the card design MC2 ). This along with a funky design and a "minty" cool new name mean many people are interested in this new product. There are 4 variations of mint card - Mint Card, mc² Card , Mint Gold Card and the Mint Platinum Card. But is this card only about the funky design or is it really suitable for the customers? Let’s find out.

Presently, an excellent rate of 0% for 13 months on balance transfers (until August 08) is being offered and you also get 0% on purchases for 6 months (until January 08). Along with all this, you get a bonus 0% offer – meaning, any cards balances transferred in October 08 get an additional 6 months at 0% (until April 09) The standard rate of 14.9% APR is also one of the lowest in the UK market and very competitive. The added value features are also impressive with up to 56 days interest free credit accont management online and by text and special Mint offers.

Details of the Mint Credit Card

Introductory Balance Transfers	0%
Monthly Rate	0%
Period	12 months
Introductory Purchases	0%
Monthly Rate	0%
Period	6 months
Standard APR	14.9%%
Monthly Rate	1.167%
Cash Advance APR	24.47%
Cash Advance Fee	2.5% (Min £2.50)
Minimum Payment Required	2.25% (Min £5)
Annual Fee	None
Loyalty Points	None
Travel Accident Insurance	None
Free Purchase Protection	None
Foreign Usage Fee	2.75%

Other Mint Credit Card Features and Benefits

• A very funky and stylish card design
• Good rates for the APR on Mint Credit card
• Impressive benefits

Mint Credit Card Review Summary The Mint credit card is an excellent credit card offered by the reputed Royal bank of Scotland. Although the unusual card shape is a bit jazzy it does add a lot of style and colours to an otherwise boring and same looking credit card industry. However, the financial product itself is an excellent credit card for financial spending purpose and has a great value. Along with the marketing campaign for this product in full swing it is sure to become one of the most popular cards in the UK.

Link to previous articles: Vanquis Credit Card Capital One Credit Card GM Platinum Credit Card Egg Credit Card British Airways Credit Card BT Credit Card

Vanquis Credit Card

Vanquis are a new entrant in the UK credit card market and they are special in the way that they offer great credit cards for people with bad credit record.

If you have applied for credit cards in the past and been refused, even by some of the bad credit card issuers, then give a try to Vanquis credit card - Vanquis may have a solution for your needs.

The abacus card from Vanquis is available to people who have no credit history so if you need your first credit card to build up your credit rating this could be a great credit card to startup with. However, even if you have had bad credit in the past, even if you have had CCJ's Vanquis could help – just give it a try!

Anyways, the interest rates on the cards will be higher compared to other cards on offer in the market, but the interest rate reflect the offer of the credit card and with an huge and staggering APR of 39.9% it is a card to use with very high level of caution to rebuild your history, but if you desperately need a credit card and have very few options this could be a great deal. Good point is that there is no annual fee and you get up to 56 days interest free if pay your bill off in full each month.

Details and features of Vanquis Credit Card

Introductory Balance Transfers	n/a
Monthly Rate	n/a
Period	n/a
Introductory Purchases	n/a
Monthly Rate	n/a
Period	n/a
Standard APR	39.9% (typical)
Monthly Rate	2.84%
Cash Advance APR	46.19 %
Cash Advance Fee	5% (Min £2.50)
Minimum Payment Required	3% (Min £5)
Annual Fee	None
Loyalty Points	None
Travel Accident Insurance	None
Free Purchase Protection	None
Foreign Usage Fee	2.75%

Other Vanquis Credit Card Features and Benefits

• No annual fee for Vanquis Credit Card is one of the best plus points
• Up to 56 days interest free on purchases
• Full Visa card
• Chip and Pin available for those petty purchases and security

Vanquis Credit Card Final Summary Review The Vanquis Credit card is definitely one the best options if you are just starting to use a credit card and have no or bad credit - even if you have CCJ's or other financial problems in the past. A great first step in repairing your credit history!

Link to previous articles: Capital One Credit Card GM Platinum Credit Card Egg Credit Card British Airways Credit Card BT Credit Card HSBC Credit Card

Capital One Credit Card

Capital One is one of the new America based financial companies to enter the UK credit cards market and has also been quite successful in procuring a significant share of the market.

The Capital One Classic card is being offered for people who have had problems getting a credit card in the past due to a bad credit history. The APR rates are not competitive enough as per the UK credit card market, which comes as a cost of your bad credit history, but this card has no annual fee making it an ideal product to help and reestablish your credit rating. You can apply for this card even if you have been turned down for a credit card in the past.

Details of the Capital One Credit Card

Introductory Balance Transfers	N/A
Monthly Rate	N/A%
Period	N/A
Introductory Purchases	N/A
Monthly Rate	N/A
Period	N/A
Standard APR	34.9%
Monthly Rate	2.53%
Cash Advance APR	31.1%
Cash Advance Fee	3% (Min £3)
Minimum Payment Required	5% (Min £5)
Annual Fee	None
Loyalty Points	None
Travel Accident Insurance	None
Free Purchase Protection	None
Foreign Usage Fee	2.75%

Other Capital One Classic Features and Benefits

• No Annual Fee for Capital One Credit Card
• Great choice of plastic designs
• Credit Limit between £200 and £2500
• Low monthly payments
• Instant Cash from any cash machine that displays the Visa sign

Capital One Classic Final Review summary The Capital One Classic card is “not-so-good” for the features and high rates that it has. However, it still gets a decent rating because of the best credit builder products in the UK market. Anyone with poor credit history will have great difficulty in getting a credit card. People can then end up in a spiral where they can never improve their credit rating by being responsible with finance. The Capital One Classic credit card gives people that chance, and as it charges no annual fee it is the best product of its type available.

Link to previous articles: GM Platinum Credit Card Egg Credit Card British Airways Credit Card BT Credit Card HSBC Credit Card Virgin Credit Card

GM Platinum Credit Card

The GM Platinum credit card is one of the most popular credit cards available. The most striking feature of this GM Credit card is the points benefit programme and it is the most valuable programme offered by any card in the UK.

For every £100 you spent on the GM platinum card, it rewards you with £3 back in rebate points which could get you up to £2,000 off a brand new Vauxhall car or up to £2,500 off a new Saab car.

You also get 100 rebate points the first time you use your card. Its issued by HFC Bank one of the largest credit card issuers in the UK. They have a 24 hour customer service line that allows you to make changes to your account any time of day or night as well as the ability to manage all your account spending online. Normally cards with strong reward schemes have high interest rates but the GM Card is one of the most competitive on the market. They offer an excellent rate of 0% for 5 months, not only on balance transfers like some credit cards but also on purchases. The standard rate is only 14.9% APR (typical) making this a fantastic all round package.

Details of GM Platinum credit card

Introductory Balance Transfers	0%
Monthly Rate	0%
Period	5 Months
Introductory Purchases	0%
Monthly Rate	0%
Period	5 months
Standard APR	14.9%
Monthly Rate	1.167%
Cash Advance APR	18.9%
Cash Advance Fee	1.75% (Min £2.50)
Minimum Payment Required	2% (Min £5)
Annual Fee	None
Loyalty Points	£3 per £100 spent
Travel Accident Insurance	£250,000
Free Purchase Protection	None
Foreign Usage Fee	2.75%

Other GM Platinum Credit Card Features and Benefits

• £3 reward points for every £100 spent on the card
• Safe Shopping Promise
• Free travel accident insurance
• 24hr Customer Service Line
• Full online account management
• Decision in 60 seconds when you apply online
The GM Platinum credit card has the highest value reward scheme available in the UK. On its own this would be enough to recommend it but it also has market leading interest rates. 0% on balance transfers and purchases cannot be beaten and the standard rate of 14.9%. You can also manage your account online and still receive a monthly statement through the post. You can apply online now and get a decision in 60 seconds.

GM Platinum Credit Card Final Review Summary The Egg credit card is one of the highly recommended cards in UK . It has consistently offered some of the most competitive rates in the UK market and especially features like the 0% balance transfer and purchases offer. The standard rate of 16.9% APR is also highly competitive. The online account management tool is great and its easy to apply for online.

Link to previous articles: Egg Credit Card British Airways Credit Card BT Credit Card HSBC Credit Card Virgin Credit Card American Express Gold Credit Card

Egg Credit Card

Egg credit card was offered by Prudential and adopted to Internet banking very easily and quite early. With real marketing, aggressive pricing, a trendy image and huge advertising campaign quickly made it one of the well known credit cards in the UK.

The Egg credit Card has been one of the most competitive products in the country. Unlike some other companies they are offering 0%for up to 12 months on any balances you transfer to the card. As well as that you get 0% on purchases for 3 months. The standard rate of 16.9% APR typical (variable) is amongst the most competitive available with a 0% intro rate on purchases and balance transfers. On its own this is enough to highly recommend this card but it also has some more great features. You also get a 0% anniversary offer in 2009 and 2010. And as you would expect from an internet account you can manage all your finances online!

Important Details of Egg Credit Card

Introductory Balance Transfers	0%
Monthly Rate	0%
Period	up to 12 months
Introductory Purchases	0%
Monthly Rate	0%
Period	up to 3 months
Standard APR	16.9%
Monthly Rate	1.313%
Cash Advance APR	22.9%
Cash Advance Fee	2.5% (Min £2.00)
Minimum Payment Required	3% (Min £5)
Annual Fee	None
Loyalty Points	Cashback varies
Travel Accident Insurance	£50,000
Free Purchase Protection	In Transit for 30 Days
Foreign Usage Fee	2.75%

Other Egg Credit Card Features and Benefits

• Excellent Cashback offers on Egg credit card
• Discounts on other Egg products if purchased through egg credit card
• Manage your account online 24hrs a day
• Trendy card design and great mascot

Egg Credit Card Final Review Summary The Egg credit card is one of the highly recommended cards in UK . It has consistently offered some of the most competitive rates in the UK market and especially features like the 0% balance transfer and purchases offer. The standard rate of 16.9% APR is also highly competitive. The online account management tool is great and its easy to apply for online.

Link to previous articles: British Airways Credit Card BT Credit Card HSBC Credit Card Virgin Credit Card American Express Gold Credit Card American Express Red Credit Card

British Airways Credit Card

The British Airways credit card is provided by British Airways, in collaboration with American Express, one of the largest financial institutions in the world, and this card is easily accepted throughout the world.
The British Airway credit card is an excellent deal for you if you are an existing member of the BA Executive Club loyalty program or you are a frequent traveler on British Airways looking to make the most of a reward point based credit card.
For every single Pound you spend on the BA credit card you earn BA air-miles which you can use on British Airways to get free flights, upgrades or companion tickets.
There are 2 cards on offer the British Airways Credit Card, which offers 1 BA mile for every £1 spent and the BA Premium Plus Card which offers 1.5 BA miles for every £1 spent.
However, this card comes at a cost. The interest rates are very high, typically 26% APR on the premium plus card so this is really only a great card if you pay your balance off in full, each month. They do however offer a lifetime balance transfer rate of 4.9% APR, which is a real good bargain.
If you do pay off your bill each month then simply putting all your daily expenditure on the card could soon lead to enough points for that dream trip you've always wanted!

Details of the British Airways Credit Card

Introductory Balance Transfers	4.9%
Monthly Rate	0.4%
Period	life of balance
Introductory Purchases	N/A
Monthly Rate	N/A
Period	N/A
Standard APR	26%
Monthly Rate	1.5%
Cash Advance APR	19.845%
Cash Advance Fee	1.5% (Min £1.50)
Minimum Payment Required	3% (Min £5)
Annual Fee	None (Subject to minimum spend)
Loyalty Points	none
Travel Accident Insurance	£50,000
Free Purchase Protection	90 Days, up to £50,000
Foreign Usage Fee	2.73%

Other British Airways Credit Card Features and Benefits

• Earn up to 1.5 BA miles per £1 spent on the BA Card
• Earn Double miles on the BA flights
• Free Travel Accident Insurance
• Low Lifetime balance transfer rate
• Online account management
• Free additional cards

British Airways Credit Card Summary Review The standard rate is really very high but the lifetime balance transfer offer is quite attractive and competitive. However, this card is really for the people who want to pay the balance off each month and get a decent reward scheme. The BA scheme is one of the best and at 1.5 miles per £1 spent the average person can easily build up a useful amount of miles to get some good benefits.

Link to previous articles: BT Credit Card HSBC Credit Card Virgin Credit Card American Express Gold Credit Card American Express Red Credit Card Alliance and Leicester Credit Card

BT Credit Card

British Telecom or BT are the most common household name in the United Kingdom – they are the largest telecoms supplier in the UK and they have tied up with MBNA to offer a credit card that can save you money on your BT bill. With the majority of the UK being BT phone users this should offer the opportunity for many people to make some great savings.
As well as the opportunity to save on your BT bill the BT credit card offers really competitive and great rates. You get 0% for 12 months on balance transfers (3% fee) and 0% for 3 months on purchases, combined with a standard rate of 16.9% APR. As compared to other cards, the APR of 16.9% is a bit higher but if you pay your monthly bills on time, then there is no need for you to worry about it.

Details of the BT Credit Card

Introductory Balance Transfers	0%
Monthly Rate	0%
Period	12 months
Introductory Purchases	0%
Monthly Rate	0%
Period	3 months
Standard APR	16.9%
Monthly Rate	1.3133%
Cash Advance APR	22.9%
Cash Advance Fee	3% (Min £3.00)
Minimum Payment Required	3% (Min £5)
Annual Fee	None
Loyalty Points	BT
Travel Accident Insurance	None
Free Purchase Protection	None
Foreign Usage Fee	2.75%

Other BT Credit Card Features and Benefits

• No annual fee on your BT credit card
• Manage your Account online for your BT credit card
• Sav on your BT bill by paying through your BT credit card
• 24 hr customer service

BT Credit Card Final Review Summary The BT credit offers though has somewhat higher rates, but yet competitive, as well as a good reward scheme so if you are a BT customer this could be a good card for you.

Link to previous articles: HSBC Credit Card Virgin Credit Card American Express Gold Credit Card American Express Red Credit Card Alliance and Leicester Credit Card BMI Classic MasterCard

AA Credit Card

The AA Credit Card is offered by the reputed AA, the UK's biggest roadside recovery company. Beyond their recovery business, in recent years AA have expanded into finance and offer insurance, loans and now they have come out with a credit card.
The AA Card offers 0% on balance transfers for first 9 months and a standard APR of 15.9% (typical). One also earns reward points on every transaction you do on AA credit card which can be used for cash-back or discounts on a host of AA products. Used wisely it could save you a lot of money on your home insurance, car insurance or Roadside recovery membership. Another benefits is that as a bonus you receive 1,000 points when you activate your card. You earn 1 point for every pound you spend on the card and you can save up to £50 on home or car insurance. Or convert your points into cashback at a rate of 0.5%.

Details of AA Credit Card

Introductory Balance Transfers	0%
Monthly Rate	0%
Period	9 Months
Introductory Purchases	n/a%
Monthly Rate	n/a
Period	n/a
Standard APR	15.9%
Monthly Rate	1.24%
Cash Advance APR	22.9%
Cash Advance Fee	2.5% (Min £3.00)
Minimum Payment Required	2% (Min £5)
Annual Fee	None
Loyalty Points	AA Discounts or cashback
Travel Accident Insurance	None
Free Purchase Protection	None
Foreign Usage Fee	2.75%

Other AA Credit Card Features and Benefits

• Earn points for discounts on AA products using the AA credit card
• Cashback on every transaction done through AA credit card
• 24hr Customer Service Helpline
• Full online account management – internet account
• 1,000 points free when you activate the card worth £10 off AA products

AA Credit Card Final Review Summary

The credit card from AA offers one of the best introductory interest rates available on balance transfers. The AA Credit Card has a good initial balance transfer offer of 0% for 9 months and a competitive standard APR of 15.9%. Combined with the chance to earn good discounts on your home and car insurance or cashback, this card offers a great deal. Use it wisely and it will save you dozens of pounds, provided you are interested in AA products.

Link to previous articles: HSBC Credit Card
Virgin Credit Card
American Express Gold Credit Card
American Express Red Credit Card
Alliance and Leicester Credit Card
BMI Classic MasterCard

HSBC Credit Card

HSBC - the institute with the tagline of being “The world’s local bank” are one of the largest and most reputed financial institutions in the world and HSBC have offered a credit card offer worthy of such a reputation.
Traditionally the major UK banks have a bit shaggy than average credit card offerings but the HSBC card is different
The HSBC credit card offers 0% for 12 months on balance transfers - so is an excellent card to get to make use of introductory balance transfer rates. You also get 0% on purchases for 3 months from account opening - ideal for that urgent purchase you need to make. The standard rate of 15.9% APR (variable) is also very competitive as per the UK market standards.

Details of HSBC Credit Card

Introductory Balance Transfers	0%
Monthly Rate	0%
Period	12 Months
Introductory Purchases	0%
Monthly Rate	0%
Period	3 months
Standard APR	15.9%
Monthly Rate	1.24%
Cash Advance APR	21.9 %
Cash Advance Fee	2.5% (Min £2.50)
Minimum Payment Required	3% (Min £5)
Annual Fee	None
Loyalty Points	none
Travel Accident Insurance	none
Free Purchase Protection	none
Foreign Usage Fee	2.75%

Other HSBC Credit Card Features and Benefits

• 0% balance transfers for 12 months
• Spending Security measures
• apply online for the HSBC Credit Card
• Up to 56 days interest free credit
• free travel additional cards

HSBC Credit Card Final Review Summary

The credit card from HSBC offers one of the best introductory interest rates available on balance transfers. The fact you also get 0% on purchases and a decent standard rate make this a great product. The standard rate is also comparable to other cards. Combined with the discounts and benefits on offer this is a sure winner among the cards available in UK markets.

Link to previous articles:
Virgin Credit Card
American Express Gold Credit Card
American Express Red Credit Card
Alliance and Leicester Credit Card
BMI Classic MasterCard
MBNA Sonycard Credit Card

Virgin Credit Card

The Virgin credit card is offered to you by the business stalwart Sir Richard Branson of the Virgin business empire. After revolutionising the airline, music, mobile and car industries he has now developed a company called Virgin money to bring out the Virgin brand values of quality and value to the credit card industry.
The Virgin Credit Card offers a 0% balance transfer rate fixed for 13 months and 0% on purchases for 3 months. The standard rate of 15.9% APR is also very competitive as per the UK market standards. There is however a handling charge of 2.98% on all balance transfers.
You also get 10% discount on all DVD's, CD's and games from Virgin Megastore online when you use your card to pay for online purchases exclusively at Virgin store websites.

Below are details, charges and benefits of Virgin Credit Card

Introductory Balance Transfers	0%
Monthly Rate	0%
Period	13 Months
Introductory Purchases	0%%
Monthly Rate	0%
Period	3 months
Standard APR	15.9%
Monthly Rate	1.2408%
Cash Advance APR	24.9%
Cash Advance Fee	2% (Min £2.50)
Minimum Payment Required	2.25% (Min £5)
Annual Fee	None
Loyalty Points	none
Travel Accident Insurance	£100,000
Free Purchase Protection	None
Foreign Usage Fee	2.75%

Other Virgin Credit Card Details, Features, Charges and Benefits

• You can apply Online for this card

• Great Discounts with Virgin purchases

• Purchase Protection Insurance

Virgin Credit Card Review Summary

The Virgin Credit card offers one of the highly efficient balance transfer deals in the UK market - 0% for 13 months. The standard rate is also comparable to other cards. Combined with the discounts and benefits on offer this is a sure winner among the cards available in UK markets.

Link to previous articles:
American Express Gold Credit Card
American Express Red Credit Card
Alliance and Leicester Credit Card
BMI Classic MasterCard
MBNA Sonycard Credit Card
MBNA Platinum Rewards Credit Card

American Express Gold Credit Card

The American Express Gold credit card is an innovative credit card introduced by the trusted American Express or Amex, in short. Very commonly known for their popular charge cards, Amex have now introduced a useful and featureful credit card – called the Gold Credit card. Amex Gold card is one of the best offerings from the American Express Card suit.

This is one of the fantastic cards with the reputed backing of American Express. The rates on offer on this product are very competitive as per the UK markets and the offer as great balance transfer rate of 0% for 6 months on any balances transferred to the card which could save a great deal of money to a person having and using this card. The standard rate of only 12.9% is also one of the best in the UK markets. You do need a minimum income of £20,000 to apply for the card, which is one of the constraints of being eligible to apply for this card..

America Express also guarantees that there will be no annual fee on the Amex Gold card ever. You also get up to 1% cashback on everything you buy with the card making this a great all round proposition.

Introductory Balance Transfers	0% (9.9% after 6 months)
Monthly Rate	0%
Period	6 months
Introductory Purchases	N/A
Monthly Rate	N/A
Period	N/A
Standard APR	12.9%
Monthly Rate	1.02%
Cash Advance APR	14%
Cash Advance Fee	1.5% (Min £1.50)
Minimum Payment Required	3% (Min £5)
Annual Fee	None (Subject to minimum spend)
Loyalty Points	1% Cash Back
Travel Accident Insurance	£150,000
Free Purchase Protection	90 Days, up to £50,000
Foreign Usage Fee	2.73%

Other American Express Gold Credit Card Features and Benefits
• 0% Balance Transfers
• Free Purchase Protection
• Free Travel Accident Insurance
• Low standard rate
• Online account management
• 1% Cash Back on all spend

American Express Gold Credit Card Review Summary
The American Express Gold credit card is a decent value offer from one of the most reputed financial organizations of the world. The balance transfer rate of 0% for 6 months is excellent and the standard rate of 12.9% is much lower than most credit cards. The standard rate of 12.9% is very low and attractive enough for a day to day use credit card and it has a great big list of added value benefits. You have a nice and healthy credit limit and you can use this card to buy additional costly stuff, provided you are aware of your pay back situation and financial obligations.

Link to previous articles: American Express Red Credit Card
Alliance and Leicester Credit Card
BMI Classic MasterCard
MBNA Sonycard Credit Card
MBNA Platinum Rewards Credit Card
MBNA Classic Credit Card

American Express Red Credit Card

The American Express Red credit card is an innovative credit card introduced by the trusted American Express or Amex, in short. Very commonly known for their popular charge cards, Amex have now introduced a useful and featureful credit card – called the Red Credit card.

This is a credit card which claims to be with a big difference. Instead of having a cashback offer or other loyalty scheme the American Express Red donates 1.25% of everything spent on the card to a Global Fund - financed programs in Africa which help woman and children affected by HIV / Aids. As an introductory offer, £5 is donated automatically if you make a purchase on the card within 1 month of receiving it. Hence, you can contribute to charity by just swiping this card as much as possible and directly/indirectly show your concern and support for the needy people across the globe.

Along with charity as one of its main selling points, the American Express Red credit card also offers a great standard rate of just 12.9% APR - one of the most competitive APR Rates available in the market today. American Express Red Credit Card also offers 24hr global assist, Travel accident insurance, purchase protection and more so it really is a case of helping yourself while you help others.
Details

Introductory Balance Transfers	n/a
Monthly Rate	n/a
Period	n/a
Introductory Purchases	N/A
Monthly Rate	N/A
Period	N/A
Standard APR	12.9%
Monthly Rate	1.02%
Cash Advance APR	23.6%
Cash Advance Fee	1.5% (Min £2.00)
Minimum Payment Required	3% (Min £5)
Annual Fee	None (Subject to minimum spend)
Loyalty Points	none
Travel Accident Insurance	£50,000
Free Purchase Protection	90 Days, up to £50,000
Foreign Usage Fee	2.73%

Other American Express Features and Benefits
• Donate to a charity while you shop/spend

• Great color and Card Design

• Free Buyers Protection

• Free Travel Accident Insurance

• Online internet account management

American Express Red Credit Card Review Summary
The American Express Red credit card is a decent value offer from one of the most reputed financial organizations of the world. The standard rate of 12.9% is very low and attractive enough for a day to day use credit card and it has a great big list of added value benefits. But that is not the main selling point of the American Express Red Credit card. The chance to give something back in charity while going about your daily life shopping is definitely a nice idea.

Link to previous article:
Alliance and Leicester Credit Card
BMI Classic MasterCard
MBNA Sonycard Credit Card
MBNA Platinum Rewards Credit Card
MBNA Classic Credit Card
MBNA Platinum Credit Card

Alliance and Leicester Credit Card

Alliance and Leicester – a reputed financial organization, has one of the most trusted names in the Britain and the Alliance and Leicester credit card has some good features.


The Alliance and Leicesterand credit card has a creditworthy combination of competitive rates and good added value features, along with loads of other benefits. It has all the online functionality you could require as well as the reassurance of a physical presence in your neighbourhood (not too far). The introductory balance transfer rate of 0% lasts for first 12 months (3% handling fee may be applicable) which could save you enough money.

You also get 0% for 3 months on purchases. The standard rate is 15.9% APR, which is one of the most competitive rates in the market. Other benefits include optional payment protection cover and credit limits up to pound 50,000. But be careful, higher credit limit means higher tendency to spend and one may end up in huge debt- hence, take the limit as much as you can afford.

You can apply online and manage your account online as well as having a normal monthly statement through the courier service or post.

Details

Introductory Balance Transfers	0%
Monthly Rate	0%
Period	12 Months
Introductory Purchases	n/a
Monthly Rate	n/a
Period	n/a
Standard APR	15.9%
Monthly Rate	1.2408%
Cash Advance APR	27.9%
Cash Advance Fee	2.25% (Min £2.50)
Minimum Payment Required	2.25% (Min £5)
Annual Fee	None
Loyalty Points	None
Travel Accident Insurance	£250,000
Free Purchase Protection	None
Foreign Usage Fee	2.75%

Other Alliance and Leicester Credit Card Features, Charges, Benefits and other details

• No annual fee


• 24hr customer service line


• Manage your account online


• Online applications

Alliance and Leicester Credit Card Review Summary

The Alliance and Leicester credit card is a reasonable credit card from a trusted and reputed organization. The rates charged on offer are very competitive as per the UK market and they offer a good range of benefits. The 0% on balance transfers is also particularly attractive.

Link to previous article:
AOL Rewards Credit Card
BMI Classic MasterCard
MBNA Sonycard Credit Card
MBNA Platinum Rewards Credit Card
MBNA Classic Credit Card
MBNA Platinum Credit Card

MBNA AOL Rewards Credit Card

Welcome to Card Karma the Credit Card that finally gives back every time you spend, you really shall receive something in return. From cash & vouchers to wining and dining rewards, you really do have the greatest choice of rewards you have ever seen and once you have made your first purchase you will receive 1,600 bonus AOL Reward Points.

• Spend and you shall receive - earn 1 AOL reward point for every £1 spent on anything, including day-to-day purchases such as food, petrol & bills.

• Access to specially negotiated discounts, privileges and opportunities to earn bonus Reward Points through MBNA RewardsPlus partners, AVIS, CD WOW!, Habitat, and Macdonald Hotels & Resorts.

• Green Rewards - use your card to help the environment! Redeem points against organic and Fair Trade products including wine and chocolate.

• Take advantage of the VIP Travel Service with great offers through MBNA TravelPlus, including up to 30% off brochure prices on flights, hotels, long haul holidays, cruises, city breaks, car hire and airport parking.

• Enter Exclusive Prize Draws where you can win tickets to an AOL Session or an event at the O2 venue.

• Access to the American Express SelectsSM programme offering you the best global shopping, leisure and dining offers.

FEATURES:	SUMMARY:
Typical APR:	Typical rate 16.9% APR (variable)(1.3133% monthly).
Promotional rate:	0% p.a. on card purchases for three months from account opening(0.0000% monthly), 0% p.a. on balance transfers and credit card cheques for twelve months from account opening (0.0000% monthly) provided you operate your account within the terms and conditions.
Other rates:	16.9% p.a. (variable) on card purchases, balance transfers and credit card cheques (1.3133% monthly), and 27.9% p.a. (variable) on cash transactions (including money transfers) (2.0751% monthly).
Interest free period:	Up to 56 days on card purchases only, if you pay your statement balance in full and on time every month, otherwise interest will be charged as set out below.
Interest charging information:	Card purchases, balance transfers, credit card cheques and cash transactions (including money transfers): we will charge interest on all transactions, fees, other charges and interest, starting on the transaction date and ending on the date you pay the bill in full. We work out interest each day so the earlier you make payment, the less interest you will have to pay.
Allocation of payments:	We will use your payments to reduce balances at lower rates of interest before balances at higher rates of interest. Where you have two promotional rates which are the same, we will use your payments to reduce the balance with the longer promotional period first.
Monthly minimum payment:	If the balance shown on your statement is £25 or less, it will be the total amount of the statement balance; or if the balance shown on your statement is more than £25, it will be whichever is the least of 3% of the statement balance or the total of any Payment Protection Cover charges, interest, handling fees and default charges plus £5, provided that it will always be at least £25.
Credit limit:	We will choose your credit limit and tell you what it is. We may vary it at any time and write to let you know. The maximum credit limit that you can have under this agreement is £50,000.
Annual fee:	£0
Other charges:	3% handling fee (min.£3) on: credit card cheques and balance transfers. 3% handling fee (min.£3) on:	cash transactions (including money transfers). 2.75% commission on foreign currency transactions.
Default charges:	£12 for going overlimit, making late payments and for returned payments.

Link to previous article: BMI Classic MasterCard
MBNA Sonycard Credit Card
MBNA Platinum Rewards Credit Card
MBNA Classic Credit Card
MBNA Platinum Credit Card

BMI Classic MasterCard

Typical rate 15.9% APR (variable).

Apply online for the BMI Classic MasterCard and if you spend £250 on card purchases within 90 days of your account opening we'll give you 20,000 destinations miles*. That's enough for a return flight to Italy, Spain and many other great destinations! Plus, you'll also enjoy:

• 0% p.a. on balance transfers for twelve months from the date your account is opened (3% handling fee)

• 0% p.a. on card purchases for three months from the date your account is opened♠

• Typical rate 15.9% APR (variable).

• Double destinations miles when you use your bmi Classic MasterCard to buy a bmi flight at flybmi.com

• Automatic enrolment into diamond club, bmi's frequent flyer programme.**

• No booking fee when you use your bmi MasterCard to buy bmi flights online at flybmi.com or via the bmi call centre.

• No annual fee to pay.

FEATURES:	SUMMARY:
Typical APR:	Typical rate 15.9% APR (variable)(1.2408% monthly).
Promotional rate:	0% p.a. on card purchases for three months from account opening(0.0000% monthly), 0% p.a. on balance transfers and credit card cheques for twelve months from account opening (0.0000% monthly) provided you operate your account within the terms and conditions.
Other rates:	15.9% p.a. (variable) on card purchases, balance transfers and credit card cheques (1.2408% monthly), and 27.9% p.a. (variable) on cash transactions (including money transfers) (2.0751% monthly).
Interest free period:	Up to 56 days on card purchases only, if you pay your statement balance in full and on time every month, otherwise interest will be charged as set out below.
Interest charging information:	Card purchases, balance transfers, credit card cheques and cash transactions (including money transfers): we will charge interest on all transactions, fees, other charges and interest, starting on the transaction date and ending on the date you pay the bill in full. We work out interest each day so the earlier you make payment, the less interest you will have to pay.
Allocation of payments:	We will use your payments to reduce balances at lower rates of interest before balances at higher rates of interest. Where you have two promotional rates which are the same, we will use your payments to reduce the balance with the longer promotional period first.
Monthly minimum payment:	If the balance shown on your statement is £25 or less, it will be the total amount of the statement balance; or if the balance shown on your statement is more than £25, it will be whichever is the least of 3% of the statement balance or the total of any Payment Protection Cover charges, interest, handling fees and default charges plus £5, provided that it will always be at least £25.
Credit limit:	We will choose your credit limit and tell you what it is. We may vary it at any time and write to let you know. The maximum credit limit that you can have under this agreement is £50,000.
Annual fee: £0
Other charges:	3% handling fee (min.£3) on: credit card cheques and balance transfers. 3% handling fee (min.£3) on: cash transactions (including money transfers). 2.75% commission on foreign currency transactions.
Default charges:	£12 for going overlimit, making late payments and for returned payments.

Link to previous article: MBNA Sonycard Credit Card
MBNA Platinum Rewards Credit Card
MBNA Classic Credit Card
MBNA Platinum Credit Card

MBNA Sonycard Credit Card

Sony can offer you a complete world of entertainment through music, movies, games and of course electronics. The SonyCard offers you all these in exchange for Pulsebeats* earned when you spend using your SonyCard.

• 0% p.a. on balance transfers for twelve months from the date your account is opened (3% handling fee).

• 0% p.a. on card purchases for three months from the date your account is opened.

• Typical rate 15.9% APR (variable).

• PLUS – we'll credit your account with 2,000 FREE SonyCard Pulsebeats when you first use your card and a further 5,000 Pulsebeats if you spend £250 on your card within 90 days of account opening. You can redeem your Pulsebeats against a wide range of Sony items including the 2GB Multi Function MP3 Player shown for just 7,000 Pulsebeats.*

• Earn Pulsebeats every time you spend using your SonyCard – click on the Pulsebeats link above for details.

• Claim TRIPLE Pulsebeats – when you buy Sony products using your SonyCard.

FEATURES:	SUMMARY:
Typical APR:	Typical rate 15.9% APR (variable)(1.2408% monthly).
Promotional rate:	0% p.a. on card purchases for three months from account opening(0.0000% monthly), 0% p.a. on balance transfers and credit card cheques for twelve months from account opening (0.0000% monthly) provided you operate your account within the terms and conditions.
Other rates: 1	5.9% p.a. (variable) on card purchases, balance transfers and credit card cheques (1.2408% monthly), and 27.9% p.a. (variable) on cash transactions (including money transfers) (2.0751% monthly).
Interest free period:	Up to 56 days on card purchases only, if you pay your statement balance in full and on time every month, otherwise interest will be charged as set out below.
Interest charging information:	Card purchases, balance transfers, credit card cheques and cash transactions (including money transfers): we will charge interest on all transactions, fees, other charges and interest, starting on the transaction date and ending on the date you pay the bill in full. We work out interest each day so the earlier you make payment, the less interest you will have to pay.
Allocation of payments:	We will use your payments to reduce balances at lower rates of interest before balances at higher rates of interest. Where you have two promotional rates which are the same, we will use your payments to reduce the balance with the longer promotional period first.
Monthly minimum payment:	If the balance shown on your statement is £25 or less, it will be the total amount of the statement balance; or if the balance shown on your statement is more than £25, it will be whichever is the least of 3% of the statement balance or the total of any Payment Protection Cover charges, interest, handling fees and default charges plus £5, provided that it will always be at least £25.
Credit limit:	We will choose your credit limit and tell you what it is. We may vary it at any time and write to let you know. The maximum credit limit that you can have under this agreement is £50,000.
Annual fee:	£0
Other charges:	3% handling fee (min.£3) on: credit card cheques and balance transfers. 3% handling fee (min.£3) on: cash transactions (including money transfers). 2.75% commission on foreign currency transactions.
Default charges:	£12 for going overlimit, making late payments and for returned payments.

Link to previous article: MBNA Platinum Rewards Credit Card

MBNA Platinum Rewards Credit Card

Earn Reward points* when you shop and redeem them against flights, shopping vouchers, cash and much more…
• Great rates and great rewards.

• 0% p.a. on balance transfers for nine months from the date your account is opened (3% handling fee).

• 0% p.a. on card purchases for nine months from the date your account is opened.♠

• Typical rate 15.9% APR (variable).

• Access your account online to view your PIN, check your balance and transactions, set up direct debits, carry out balance transfers and much more.

FEATURES:	SUMMARY:
Typical APR:	Typical rate 15.9% APR (variable)(1.2408% monthly).
Promotional rate:	0% p.a. on card purchases for nine months from account opening(0.0000% monthly), 0% p.a. on balance transfers and credit card cheques for nine months from account opening (0.0000% monthly) provided you operate your account within the terms and conditions.
Other rates:	15.9% p.a. (variable) on card purchases, balance transfers and credit card cheques (1.2408% monthly), and 27.9% p.a. (variable) on cash transactions (including money transfers) (2.0751% monthly).
Interest free period:	Up to 56 days on card purchases only, if you pay your statement balance in full and on time every month, otherwise interest will be charged as set out below.
Interest charging information:	Card purchases, balance transfers, credit card cheques and cash transactions (including money transfers): we will charge interest on all transactions, fees, other charges and interest, starting on the transaction date and ending on the date you pay the bill in full. We work out interest each day so the earlier you make payment, the less interest you will have to pay.
Allocation of payments:	We will use your payments to reduce balances at lower rates of interest before balances at higher rates of interest. Where you have two promotional rates which are the same, we will use your payments to reduce the balance with the longer promotional period first.
Monthly minimum payment:	If the balance shown on your statement is £25 or less, it will be the total amount of the statement balance; or if the balance shown on your statement is more than £25, it will be whichever is the least of 3% of the statement balance or the total of any Payment Protection Cover charges, interest, handling fees and default charges plus £5, provided that it will always be at least £25.
Credit limit:	We will choose your credit limit and tell you what it is. We may vary it at any time and write to let you know. The maximum credit limit that you can have under this agreement is £50,000.
Annual fee:	£0
Other charges:	3% handling fee (min.£3) on: credit card cheques and balance transfers. 3% handling fee (min.£3) on:	cash transactions (including money transfers). 2.75% commission on foreign currency transactions.
Default charges:	£12 for going overlimit, making late payments and for returned payments.

Link to previous article: MBNA Classic Credit Card