Citibank Platinum Mastercard with itunes Reward Points-123

Use your Citi Platinum MasterCard to get the music you love. Simply use your Citi Platinum MasterCard for your everyday purchases and you'll earn iTunes music points*. You can then use these points for iTunes music downloads - or even save for an iPod nano!

• Earn 1 point for every £1 you spend* on your Citi Platinum MasterCard

• 2,000 point bonus if you make £250 worth of purchases within the first 3 months of having your credit card

• A 3% service fee applies for each balance transfer (subject to a minimum of £5)

• Free Identity Theft Solutions • Free purchase protection** • Free online fraud guarantee** • Typical17.9% APR (variable)

Link to previous articles: Citibank Platinum Mastercard Credit card Citibank Shell Master Credit Card Citibank EasyJet Credit Card Halifax Ipoints Loyalty card Halifax Marriott Rewards Visa Card Halifax Amazon Master Card

Rates and Charges of Citibank Platinum Mastercard Creditcard

PLATINUM SUMMARY BOX The information contained in this table summarises key product features and is not intended to replace any Terms and Conditions
APR on Purchases	Typical 16.9% APR(variable)
Other rates	Introductory Rate	Monthly Rate	Annual Rate
Purchases	N/A	From 1.313% to 2.079%	From 15.8% to 24.9% per annum (variable)
Cash Advances	N/A	From 2.079% to 2.329%	From 24.9% to 27.9% per annum (variable)
Balance Transfers	0% for 9 months on all balance transfers made within 90 days of account opening date	From 1.313% to 2.079%	From 15.8% to 24.9% per annum (variable)
Flex Payments	N/A	From 1.313% to 2.079%	From 15.8% to 24.9% per annum (variable)
Interest free period	Up to 56 days for purchases if you pay your balance in full and on time. 0 days for cash advances, credit card cheques balance transfers and Flex Payments
Interest charging information	The periods over which interest are charged are as follows: From Until Purchases transaction date repaid in full* Cash Advances transaction date repaid in full* Balance Transfers date debited to your account repaid in full* Credit Card Cheques date debited to your account repaid in full* Flex Payments date debited to your account repaid in full*
Allocation of payments	All payments we receive from you will (unless otherwise required by law) be applied to payments your Account in the following order: (a) Flex Payments Monthly Instalment (to be applied to each Flex Payment facility in the order of creation); (b) other interest and Account Charges; (c) existing Promotional Balances - lowest rates first; (d) new Promotional Balances - lowest rates first; (e) existing Purchase balances and non-promotional Balance Transfers - in the order in which they were debited to your Account as shown on the monthly statement; (f) new Purchase balances and non-promotional Balance Transfers - in the order in which they were debited to your Account but not yet shown on the monthly statement; (g) existing Cash balances shown on the last monthly and/or previous statements - in the order in which they were debited to your Account as shown on the monthly statement; (h) new Cash balances - in the order in which they were debited to your Account but not yet shown on the monthly statement; and (i) the balance of each Flex Payments facility (to be applied to each facility in the order of creation).
Minimum monthly repayment	Unless we tell you otherwise, the minimum monthly payment will be: the greater of: (a) £5; or (b) 2.25% of the Non Flex Payments Balance; or (c) (i) 1% of the Non Flex Payments Balance; plus (ii) billed interest on the Non Flex Payments Balance as shown on your statement; plus (iii) late fees charged in accordance with clause 12.1 as shown on your latest statement (unless these have been cleared prior to the statement date in accordance with clause 9.2); PLUS any amount by which you have exceeded your Credit Limit at the date of your statement; PLUS any Flex Payments Monthly Instalments (which include all interest applied to any Flex Payments facility during the statement period); PLUS all minimum monthly payments outstanding from previous statements.
Amount of credit	Minimum credit limit of £500, maximum credit limit subject to status.
Fees	No annual fee.
Charges	Balance Transfers 3% of each Balance Transfer (subject to a minimum service fee of £5) Cash Advances Cash from an ATM - 3% service fee (minimum £5). Other Cash Advances – the higher of (i) £5 or (ii) 3% of each cash advance Foreign Exchange 2.75% exchange fee on non-sterling transactions Duplication Statement £3 for a copy of a statement Authorised Sales Voucher £10 for a copy of an authorised sales voucher Personal Information £10 for a copy of the information we hold about you and your account
Default charges	Late Payment Fee (failure to make the minimum requested payment to your account by the payment due date): £12 Overlimit Fee (charge for exceeding your agreed credit limit at any time): £12 Return Fee (charge applied when a direct debit, cheque or other item is not paid when presented): £12 Insufficient Funds (charge applied if there are insufficient funds on your account to cover a credit card cheque that you have issued on your account): £12

Citi Platinum MasterCard Credit Card

With so many benefits,
the Citi Platinum MasterCard has you covered.

As a Citi Platinum MasterCard holder, you’ll be recognised the world over, no matter where you travel, and you’ll always enjoy an array of exclusive benefits developed exclusively for our Platinum Card customers.

Citi Identity Theft Solutions
If someone gets their hands on your personal information, such as your bank account details, it’s possible that they could fraudulently open other financial agreements in your name. Citi Identity Theft Solutions is a free service we provide to all Citi Cardholders to help you restore your good name and good credit if you have your identity stolen. Find out more about Citi Identity Theft Solutions.

Shop online with confidence Any charges to your card made online without your consent will be refunded, so you can buy goods online with confidence.

Active fraud protection If we see something that looks suspicious when your card is being used, we'll alert you. If it proves to be fraudulent, you will not be liable for any purchase you haven’t authorised.

Price match guarantee If you buy something with your Citi Platinum MasterCard and then find it cheaper elsewhere within 60 days, we’ll refund the difference. See Insurance Information.*

Free peace of mind when you're abroad Book your holiday with your Citi Platinum MasterCard, and you’ll have up to £100,000 free cover if you’re injured whilst travelling. You can also access expert medical and legal assistance – free at any time of the day or night. See Insurance Information.*

12 months extended warranty Save money with an additional 12 months extended warranty on domestic electrical items you buy with your card. See Insurance Information.*

Free purchase protection Relax knowing that anything you buy with your card is covered against accidental damage and theft for the first 30 days. See Insurance Information.*

Optional cardholder repayment protection (CRP) If you can’t make your Citi Card repayments because of involuntary unemployment or need time off work following an accident or serious illness, after 30 consecutive days we can arrange for them to be taken care of (to a maximum monthly repayment of £500) for up to 12 months. What's more, your entire balance will be cleared in the event of your death (to a maximum of £20,000). You can have this peace-of-mind for only 85p per £100 of your statement balance at statement date. See Insurance Information.*

Optional Card Protection Plan Plus (CPP Plus) Protect against the fraudulent use of your cards when lost or stolen with Card Protection Plan Plus. CPP Plus cancels your old cards and orders new ones immediately for only £29 per year, or £70 for 3 years' cover.
See Insurance Information.*

Online account servicing You can manage just about every aspect of your account online, including accessing statements, viewing transactions, requesting a PIN reminder or a credit limit increase, and making debit card payments. More information. Citi Alerts Receive updates on your account by text message, email or both. It means you don't have to wait until you receive your statement to find out the latest on your account. It's a great way of staying on top of your finances wherever you are - and of making sure your account stays secure. To register for Citi Alerts, call Card Services today on 0870 908 6000.**

Link to previous articles: Citibank Shell Master Credit Card Citibank EasyJet Credit Card Halifax Ipoints Loyalty card Halifax Marriott Rewards Visa Card Halifax Amazon Master Card Halifax NSPCC Charity Card

Citibank Shell Master Credit Card

Drive down your fuel costs
You could save around £130 each year~

So how does it work?

1. You will earn Shell rebate every time you use your card:^
The Shell MasterCard from Citi gives you:

• 3% rebate on Shell purchases in Great Britain

• 1% rebate when you use your card anywhere else

• Typical standard rate of 16.9% APR (variable)
For example:



And there's no limit on how much you can earn!

2. Redeeming your Shell rebate
Just keep buying Shell fuel in Great Britain each month, and we will automatically credit your Shell MasterCard from Citi account with your accrued rebate up to the value of your Shell fuel purchase - saving you money every time you fill up!^

Plus...

Save with 0% p.a. on balance transfers for the first 9 months*, typical standard rate 15.8% per annum (variable) thereafter. 3% fee, (minimum £5).

Additional benefits
• Up to £50,000 motor legal protection†

• Free travel accident insurance†

• Discounted motoring benefits • No annual fee • More benefits *View Terms and Conditions for this credit card. View Rates and Charges for this credit card. Important Legal Information. †For important information on our insurance products see Insurance Terms and Conditions. If you require assistance, please contact Card Services on 0870 330 4330#. ~Around £130 annual saving based on spending £160 on Shell fuel in Great Britain and £600 on other purchases each month on your Shell MasterCard from Citi. # Calls may be recorded and/or monitored for training and quality purposes.

Link to previous articles: Citibank EasyJet Credit Card Halifax Ipoints Loyalty card Halifax Marriott Rewards Visa Card Halifax Amazon Master Card Halifax NSPCC Charity Card Halifax Cancer Research UK Charity Card

Citibank EasyJet Credit Card

Free easyJet flight (worth £40 - inc. taxes)#

When you spend £250 in the first 3 months.#
Earn 10% back on easyJet flights (for 3 months)~

For every £1 you spend at easyJet.com on flights and other purchases made in the same transaction using your card in the first 3 months, you’ll get 10 Miles.

That means you’ll get 10% back for every £1 you spend.
0% on balance transfers for 9 months.*

Typical standard rate 15.8% (variable) Fee of 3%, minimum £5.

Collect Miles when you use your easyJet MasterCard
£1 all UK spend = 1 Mile

£1 overseas spend = 2 Miles

£1 easyJet flight spend = 3 Miles

The value of your Miles will automatically be credited to your account when you use your card to purchase a flight at easyJet.com

Typical 16.9% APR (variable)

Earn Miles for money off easyJet flights

Every time you use your easyJet MasterCard you will be rewarded for spending on easyJet flights and all other purchases too. And with our special introductory offer you could make some great savings!
Your special introductory offer:
• Free easyJet flight worth £40#
Simply spend £250 in the first 3 months and we'll give you 4,000 Miles, which can be used to pay for an easyJet flight worth up to £40 (including taxes). Once you have spent £250 you will receive your 4,000 easyJet Miles. These will be shown on your next statement. When you have received your statement, simply purchase your next flight at easyJet.com and your £40 will be credited to your account.1 There are no limitations on when and where you can fly within the easyJet network and you have thousands of flights to choose from.
• Earn 10% back on easyJet.com flights for 3 months~
For every £1 you spend at easyJet.com on flights and other purchases made in the same transaction with your card in the first 3 months, you'll get 10 Miles - that means you will get 10% back for every £1 you spend (up to a maximum £1,000 spend).
This could add up to a further £100 worth of savings on future easyJet flights. As soon as you receive your statement, your Miles will be available to use. The value of your Miles will be redeemed automatically next time you use your card at easyJet.com.²




How to earn Miles: Every time you use your easyJet MasterCard you'll collect Miles.
£1 all UK spend = 1 Mile
£1 overseas spend = 2 Miles
£1 easyJet flight spend = 3 Miles
Plus, when you purchase car hire, travel insurance or accommodation in the same transaction as a flight at easyJet.com, you'll get 3 Miles for every £1 spent.
Typical 16.9% APR (variable)
Mile value is 1 Mile = 1p
One easyJet Mile is not equivalent to a nautical mile.




Redeeming your Miles: Every time you use your card to make a flight purchase at easyJet.com, the value of your Miles will automatically be credited to your account. 10% offer based on earning 10 miles per £1 in first 3 months, to a maximum £1000 spend.
As soon as you receive your statement, refer to the section marked "easyJet Miles Available Balance" to see how many Miles you have ready to use. The value of these Miles can now be redeemed. This will happen automatically next time you use your card at easyJet.com.2




Free easyJet Alerts: Receive updates on your account by text message, email or both. This means you don't have to wait until you receive your statement to find out the latest on your account. It's a great way to stay on top of your finances wherever you are - and helps keep your account secure. To register for easyJet Alerts call Card Services on 0870 161 5000ˆ with your new account details.




Free Citi Identity Theft Solutions: If someone gets their hands on your personal information, such as your bank account details, it's possible that they could fraudulently open other financial agreements in your name. Citi Identity Theft Solutions is a free service we provide to all our Cardholders to help restore your good name and good credit if you have your identity stolen. More information is available on Citi Identity Theft Solutions.




Active fraud protection: If we see something that looks suspicious when your card is being used, we'll alert you to it in order to safeguard you against fraudulent activity.




Free travel accident insurance: Book your holiday with your easyJet MasterCard and you'll have up to £100,000 free cover if you're injured whilst travelling abroad, as well as access to expert medical and legal assistance. Please note this does not substitute your standard travel insurance cover. See Insurance Information.†





Free extended warranty: An additional 12 months extended warranty on domestic electrical items you buy with your card. See Insurance Information †





Free purchase protection: All eligible purchases are protected against theft or accidental damage for 30 days after purchase. See Insurance Information.†





Online fraud guarantee: We will investigate any charges made to your card online without your consent, so you can shop online with confidence.




Free price match guarantee: If you buy something with your easyJet MasterCard and then find it cheaper elsewhere within 60 days, we'll refund the difference. See Insurance Information.†





Optional Cardholder Repayment Protection (CRP): For a small monthly fee, you can protect your repayments in case of illness or involuntary unemployment. Contact Card Services on 0870 161 5000ˆ for more details. See Insurance Information.†





Optional Card Protection Plan Plus (CPP Plus): In the event of fraud, loss or theft, this insurance will cancel your old cards and order new ones immediately. It costs just £29 a year – or £70 for three years if you pay in advance. See Insurance Information.†





No annual fee




Up to 56 days interest free on purchases




Chip and PIN protection: For extra security with your transactions.




Cash whenever you want it: Your card is accepted at over 23 million outlets and a million cash machines worldwide. For larger amounts, simply use our cash advance service – call Card Services on 0870 161 5000ˆ and we can arrange for a cheque to be with you within three working days. Most customers will also receive a credit card cheque book, which you can use to pay utility bills or other lenders, or simply pay into your own bank account.

# Simply spend £250 anywhere in the first 3 months. ~ 10% offer based on earning 10 miles per £1 in first 3 months, to a maximum £1000 spend. ¹ Providing you spend more than the value of your Miles on your flight purchase. If you spend less than the value of your Miles, your remaining Miles will be carried over until your next flight purchase. ² This will only be credited up to the cost of the flight

Link to previous articles: Halifax Ipoints Loyalty card Halifax Marriott Rewards Visa Card Halifax Amazon Master Card Halifax NSPCC Charity Card Halifax Cancer Research UK Charity Card Halifax Student Credit card

Halifax Ipoints Loyalty card

Apply now for an ipoints loyalty credit card and enjoy earning ipoints every time you make a purchase. Here are some of the outstanding benefits you'll enjoy:

• Special rate of 3.95% p.a on balance transfers fixed for the first five months

• Typical 17.9% APR (variable)

If you would rather speak to somebody, call us on 0800 032 3295 between 7am and 10pm 7 days a week
Protect your credit cards with our comprehensive cover plans

Earn loyalty points every time you make a purchase

• Earn 100 ipoints the first time you use your ipoints loyalty card

• Earn even more ipoints when you shop with ipoints partners

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 To benefit from the promotional rate you must stay within your credit limit and make your payments on time.

Link to previous articles: Halifax Marriott Rewards Visa Card Halifax Amazon Master Card Halifax NSPCC Charity Card Halifax Cancer Research UK Charity Card Halifax Student Credit card Halifax Classic Credit Card

Halifax Marriott Rewards Visa Card

• 0% on balance transfers for the first 9 months

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

• 0% on purchases for the first 6 months

• Typical 15.9% APR (variable)

If you would rather speak to somebody, call us on 0800 032 4406 between 7am and 10pm 7 days a week
Protect your credit cards with our comprehensive cover plans.

Earn loyalty points every time you make a purchase

• Earn Marriott Rewards points every time you spend with your card which you can redeem for free accommodation, flights, upgrades and much more

• Receive one point for every £1 you spend with your card or double points when you use your card with Marriott, plus 10,000 points the first time you make a purchase

• Automatic upgrade to Silver Elite membership entitling you to extra privileges including 20% extra points for each stay

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 Visa sign – in over 24 million locations worldwide • Card replacement if lost • Extra cards for family members over 18 • Around the clock service To benefit from the 0% rate you must stay within your credit limit and make your payments on time.

Link to previous articles: Halifax Amazon Master Card Halifax NSPCC Charity Card Halifax Cancer Research UK Charity Card Halifax Student Credit card Halifax Classic Credit Card Halifax One Credit Card

Halifax Amazon Mastercard

Benefit from interest free introductory offers on both balance transfers and purchases and earn points to spend at Amazon.co.uk every time you make a purchase with your card. You'll also receive a £15 Amazon gift certificate when you make your first purchase using your card.

• 0% for 9 months on balance transfers

• 0% for 6 months on purchases

• Typical 15.9% APR (variable)

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

Protect your credit cards with our comprehensive cover plans.

Earn loyalty points every time you make a purchase

• Receive a £15 Amazon gift certificate when you make your first purchase

• One point for every £1 spent at any Amazon website

• 0.5 points for every £1 spent elsewhere

• Receive a £15 Amazon gift certificate to spend at Amazon.co.uk every time you reach 1500 points

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 To benefit from the 0% rate you must stay within your credit limit and make your payments on time.

Link to previous articles: Halifax NSPCC Charity Card Halifax Cancer Research UK Charity Card Halifax Student Credit card Halifax Classic Credit Card Halifax One Credit Card Halifax Plus Credit Card

American Express Nectar Credit Card

Card Features

• Earn up to 4 points for every £1 spent when you use both your Credit Card and your Nectar loyalty card at participating Nectar sponsors1

• Earn 1 point for almost every £1 spent anywhere else that accepts American Express

• Collect 5,000 bonus points when you spend £200 on your Card plus Double Nectar points for your first 3 months2

• Typical 15.9%APR variable3

• No annual fee

• Chip and PIN

Membership Benefits: • Purchase Protection Benefit • Refund Protection Benefit • Online Fraud Guarantee • Online account access • 24/7/365 telephone service • 24hr Card replacement

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

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

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

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

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

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