Halifax Student Credit card

Putting you in control

As well as the benefits you get with any Halifax credit card, we've added lots of additional features to our Student Credit Card to give you more control of your account and your payments. You will benefit from:

• An adjustable credit limit, allowing you to choose how much is right for you - anything from the maximum of £500 right down to £100 - Let us know what credit limit you want when you activate your card

• Free text alerts to remind you when to pay your bill and the minimum payment required

• Weekly balance updates via text message

• Great discounts with a range of well-known brands

Passionate, Radiant, Brilliant or Winning?

The Halifax Student Credit Card comes in a great choice of colours - Brilliant Black, Passionate Pink, Radiant Red and Winning White. Which one are you? - Choose when you apply

Additional Featutes • Up to 59 days interest free credit on all purchases if you pay off your balance in full each month • No annual fee • Typical 17.9% APR (variable) If you have any questions call Halifax on 08457 28 38 48. Lines are open Mon-Fri 8am-8pm, Sat and Sun 8am-5pm.

Link to previous articles: Halifax Classic Credit Card Halifax One Credit Card Halifax Plus Credit Card Halifax Credit Card American Express Nectar Credit Card Bad Credit History? Apply for Credit Card

Halifax Classic Credit Card

First Credit card or a fresh start?

These days, it is almost become mandatory having a credit card, seems to be a part of everyday life, but it’s not always easy to get that first foot on the ladder. Whether you are looking for your first credit card, or to boost your credit history, the NEW Halifax Classic Card could be the one to start you off in building a better credit score.

Control, convenience and credit

We understand that people’s circumstances are different so we have created a new card that could suit your needs. As a responsible lender, we’ll set your credit limit between £500 and £2000 to help you manage your account. What’s more we’ll send you free text alerts with repayment reminders and weekly balance updates to help you stay in control. From time to time we’ll review your account, and if you have stayed within your credit limit and made your monthly payments on time, we may increase your limit.

With no annual fee and a typical 27.9% APR variable, your Halifax Classic Credit Card has hundreds of uses – including booking a holiday or for emergency purchases and online shopping.

Plus - It comes with all the great Halifax extras:
• Cover against online fraud when purchasing on the Internet

• Accepted wherever you see the MasterCard sign in over 24 million locations worldwide

• Up to 59 days interest free credit on all purchases if you pay off your balance in full each month

• Card replacement if lost

• Extra cards for family members over 18

• Around the clock service • Manage your card online Take a few minutes to apply online (new window) for an instant decision (in most circumstances). If you have any questions call us on 08457 28 38 48. Lines are open Mon-Fri 8am-8pm, Sat and Sun 8am-5pm. Protect your credit cards with our comprehensive cover plans. By applying for a card with one of the UK's largest high street banks, your application should be very straightforward, even if you have been turned down for Credit before.

Link to previous articles: Halifax One Credit Card Halifax Plus Credit Card Halifax Credit Card American Express Nectar Credit Card Bad Credit History? Apply for Credit Card MasterCard v/s or Visa Card

Halifax One Credit Card

If you want a card that gives you a great introductory offer on both balance transfers and purchases then look no further. What's more you could keep on saving even after the introductory period with a fantastically low 9.9% APR (variable).

• 0% for 9 months on balance transfers made in the first 90 days

• 0% for 9 months on purchases.

• A very low typical rate of 9.9% APR (variable)

• A handling fee of 3% applies for each balance transfer
Take a few minutes to apply online (new window) for an instant decision (in most circumstances).

If you have any questions call us on 08457 28 38 48. Lines are open Mon-Fri 8am-8pm, Sat and Sun 8am-5pm.

Protect your credit cards with our comprehensive cover plans.

Other Extras:

• No annual fee

• Up to 59 days interest free credit on all purchases if you pay off your balance in full each month

• Cover against online fraud when purchasing on the Internet

• Accepted wherever you see the MasterCard sign in over 24 million locations worldwide

• Card replacement if lost

• Extra cards for family members over 18 • Around the clock service • Manage your card online • Choice of 4 card colours - Black, Pink, Red and White To benefit from the 0% rate you must stay within your credit limit and make your payments on time. Balances transferred from other Halifax or Bank of Scotland cards are not eligible for the 0% balance transfer offer.

Link to previous articles: Halifax Plus Credit Card Halifax Credit Card American Express Nectar Credit Card Bad Credit History? Apply for Credit Card MasterCard v/s or Visa Card Lloyds TSB Platinum Card

Halifax Plus Credit Card

Apply for the Halifax Plus Credit Card and you could save serious money. We’ll give you a lengthy 0% for the first 13 months on balances transferred within the first 90 days (3% balance transfer fee applies). You’ll not only make great savings on your balance transfers, but you could also save money on your purchases as you’ll pay 0% for the first 6 months.

• 0% for 13 months on balances transfers made in the first 90 days.

• 0% for 6 months on purchases.

• A typical 15.9% APR (variable)

• A small handling fee of 3% applies for each balance transfer.

If you have any questions call us on 08457 28 38 48. Lines are open Mon-Fri 8am-8pm, Sat and Sun 8am-5pm.
Protect your credit cards with our comprehensive cover plans.

Other extras:

• No annual fee

• Up to 59 days interest free credit on all purchases if you pay off your balance in full each month

• Cover against online fraud when purchasing on the Internet

• Accepted wherever you see the MasterCard sign in over 24 million locations worldwide • Card replacement if lost • Extra cards for family members over 18 • Around the clock service • Manage your card online • Choice of 5 card colours - Black, Pink, Red, White and Blue To benefit from the 0% rate you must stay within your credit limit and make your payments on time. Balances transferred from other Halifax or Bank of Scotland cards are not eligible for the 0% balance transfer offer.

Link to previous articles: American Express Nectar Credit Card Bad Credit History? Apply for Credit Card MasterCard v/s or Visa Card Lloyds TSB Platinum Card Cahoot Credit Card Halifax Credit Card

Sainsbury Platinum Credit Card

0% interest for 10 months on purchases

typical 15.9% APR (variable)

Features of Sainsbury Platinum credit card

 5.94% p.a. for life of balances transferred in the first 6 months. Any balances transferred after the first 6 months will be charged at either 15.94% p.a. variable, 18.95% p.a. variable or 20.95% p.a. variable, depending on your personal circumstances

 No annual fee or balance transfer fee

 Optional protection for your credit card repayments if you are unable to work

 Optional protection against loss or theft of your card

 Convenient online servicing

 Emergency medical and legal assistance abroad.

Personal pricing All applications are treated on an individual basis, so the APR and interest rates we offer are determined by the details customers supply, along with an independent verification of credit and repayment history. For the first 10 months you will get 0% on purchases. You will also get 5.94% p.a. on balance transfers made in the first 6 months, until they are paid off. Your personal APR for purchases will be either 15.94% APR (variable), 18.95% APR (variable), or 20.95% APR (variable). Your interest rates for balance transfers will be the same as for purchases. Two thirds of customers are offered our best typical rate of 15.9% APR (variable). We'll let you know your interest rate as soon as we've assessed your application.

Link to previous articles: American Express Nectar Credit Card Bad Credit History? Apply for Credit Card MasterCard v/s or Visa Card Lloyds TSB Platinum Card Cahoot Credit Card Halifax Credit Card

Lloyds TSB Platinum Card

Lloyds TSB is one of the biggest banks in the UK market and their platinum credit card is a very good product from one of the more traditionally higher rate large banks.

The Lloyds Platinum credit card offers 0% for 9 months on balance transfers so is an ideal card to get to make use of introductory rates. The standard rate of 15.9% APR (typical) is also very competitive.

Details Lloyds TSB Platinum 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	19.505%
Cash Advance Fee	2.5% (Min £2.50)
Minimum Payment Required	2% (Min £5)
Annual Fee	None
Loyalty Points	none
Travel Accident Insurance	up to £100,000
Free Purchase Protection	180 days up to £2.5k
Foreign Usage Fee	2.75%

Other Lloyds TSB Platinum Card Features and Benefits

• 0% balance transfers
• internet fraud guarantee

• apply online • free purchase protection • free travel accident insurance Lloyds TSB Platinum Card Review Summary The Platinum credit card from Lloyds TSB, as per the UK credit card market conditions, is a competitive product. Though the rates are very competitive, with 0% being offered on balance transfers and purchases - the standard rate is also very competitive.

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

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

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

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

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