Credit Cards

Here at Cheap.co.uk we offer free, independent, online comparisons of credit cards. These include 0% balance trasfer cards, purchase cards, air miles cards, rewards cards and more. We want to help you find the lowest rates, meaning the cheapest repayments and the most rewarding cards we can. Some credit cards offer reward schemes and promtions which can be seen below and there are even some credit builder schemes cards.

Simply select the type of card you need below to get searching our extensive range of credit cards. Get a great deal on your credt card today with Cheap.co.uk!

Provider Balance Transfer (0%) Purchase (0%) APR Typical (Variable) Rewards
Fee Duration
Vanquis Bank

Vanquis Bank Visa

 NA NA NA 39.90 % None Apply
Representative Example: Based on assumed borrowing of £1000 at an annual interest rate of 39.94% (variable) your Representative APR will be 39.9% (variable).
Bank of Scotland

Bank of Scotland All in One MasterCard

 3.00% min: £3.00 12 months 12 months 17.90 % None Apply
Representative Example: Based on assumed borrowing of £1200 at an annual interest rate of 17.95% (variable) your Representative APR will be 17.9% (variable).
Halifax

Halifax All in One MasterCard

 3.00% min: £3.00 15 months 15 months 17.90 % None Apply
Representative Example: Based on assumed borrowing of £1200 at an annual interest rate of 17.95% (variable) your Representative APR will be 17.9% (variable).
Vanquis Bank

granite credit card Visa

 NA NA NA 34.90 % Rewards Apply
Representative Example: Based on assumed borrowing of £500 at an annual interest rate of 34.95% (variable) your Representative APR will be 34.9% (variable).
Virgin Money

Virgin Money Credit Card MasterCard

 2.99% min: £3.00 20 months 3 months 16.80 % None Apply
Representative Example: Based on assumed borrowing of £1200 at an annual interest rate of 16.8% (variable) your Representative APR will be 16.8% (variable).
Bank of Scotland

Bank of Scotland Advantage Existing C/A Cust MC

 3.00% min: £3.00 13 months 13 months 17.90 % None Apply
Representative Example: Based on assumed borrowing of £1200 at an annual interest rate of 17.95% (variable) your Representative APR will be 17.9% (variable).
Halifax

Halifax 20 Month MasterCard

 3.00% min: £3.00 20 months 3 months 16.90 % None Apply
Representative Example: Based on assumed borrowing of £1200 at an annual interest rate of 16.94% (variable) your Representative APR will be 16.9% (variable).
Vanquis Bank

Vanquis Bank Aquis Visa

 NA NA NA 29.80 % None Apply
Representative Example: Based on assumed borrowing of £1000 at an annual interest rate of 29.84% (variable) your Representative APR will be 29.8% (variable).
MBNA Europe Bank

Virgin Atlantic Black Amex

 2.00% min: £3.00 6 months NA 47.20 % Flying Club Miles Apply
Representative Example: Based on assumed borrowing of £1200 at an annual interest rate of 18.9% (variable) your Representative APR will be 47.2% (variable). £140 annual fee.
MBNA Europe Bank

Virgin Atlantic White Amex

 2.00% min: £3.00 6 months NA 17.90 % Flying Club Miles Apply
Representative Example: Based on assumed borrowing of £1200 at an annual interest rate of 17.9% (variable) your Representative APR will be 17.9% (variable).

The rates and products displayed within these tables are updated on a regular basis however due to the dynamic nature of the market some product details and rates may be out of date. We therefore do not take any responsibility for the accuracy of the information supplied within the table although we will always make our best endeavour to ensure that the information provided is as accurate as possible. You should always check rates and terms with the product provider.

 

Helpful Credit Card Information

 

Helpful Links

These helpful links will hopefully help you make the right decision about what credit card is best suited to you. Here at Cheap.co.uk we want you to save money in the most simplest way and our credit card comparison table is the way to do it!

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Balance Transfers

To help lure consumers to their products, many companies offer free balance transfers from your old credit card onto your shiny new one through them. Once the money is safely owed to this new company, they will often provide a grace period with sometimes as little as 0% interest for anything upto a year.

Purchases

Purchase deals are introductory offers on credit cards that last upto 3 months. It defines the special interest you will be charged on all credit card purchases up until the expiry date at which point you will then be charged your typical APR thereafter.

Credit Card

Credit cards are a credit form of borrowing meaning you can purchase goods and services and return the outlay at a later date. Many use credit cards to also obtain cash advances and for consolidating debt.

Minimum payment

The amount you must pay as a minimum each month to keep your account in order.

Interest free period

The time between when you purchase something on your card and the date when your monthly bill is to be paid. This can sometimes be 50 days or more and is interest-free meaning if you settle your credit card in full every month before the due date, it's free borrowing.

Promotional Rate

A rate that is applied to your account until a given expiry date as a means to make you use the card more. After this period it will revert to the standard rate applicable to your account at that time.

APR

APR is the annual percentage rate of interest on a credit card. This is the amount you will pay in interest charges per year. In its most simplistic form, you can figure out how much you pay per day, take the APR divided by 365. The shown APR is the interest you will pay if you have a good credit rating.

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