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Welcome to our Credit Card feature. Bringing you the latest value for money credit cards on the UK market.

Compare 0% Credit Card Deals

article  Credit Card Advice

Shop Directory  UK Shop Directory
Shop Directory  Credit Cards
  American Express Red
  American Express Reward Card
  Bank of Scotland Card
  Capital One Classic Card
  Capital One Platinum Card
  Egg Card
  Halifax
  HSBC Credit Card
  NatWest
  Post Office
  RBS
  Vanquis Visa Card
  Virgin Money










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         Compare 0% Credit Cards


Credit Card Company  Company

0% Balance Transfers* 0% Purchases* Balance Transfer Fee APR Apply
Virgin Money Card 16 months 3 months 2.98% 16.6% More Details / Apply
HSBC - (only available to existing HSBC customers) 15 months 3 months 2.9% 16.9% More Details / Apply
Natwest 15 months 3 months 2.9% 16.9% More Details / Apply
RBS 15 months 3 months 2.9% 16.9% More Details / Apply
Post Office 12 months 3 months 2.98% 16.9% More Details / Apply
Egg Card 12 months 3 months 3.0% 16.9% More Details / Apply
Halifax - All In One Card 9 months 9 months 3.0% 15.9% More Details / Apply
Bank of Scotland - All In One Card 9 months 9 months 3.0% 15.9% More Details / Apply
Capital One - Platinum Card 0 %
until 01/2012
6.9 %
until 03/2010
0% 15.9% More Details / Apply

        0% Credit Cards on Balance Transfers & Purchases

Product Type Credit Card Key Features Company
Credit Card Virgin Money
Credit Card

  • 0% interest on balance transfers for *16 months
  • 0% interest for 3 months on card purchases
  • Discounts at Virgin companies & vouchers for leading high street stores
  • *Transfers to be made within first 60 days
  • Typical 16.6% APR variable
  • 2.98% handling fee
  • Annual Fee: £0

Virgin Credit Cards
Apply Now
Credit Card HSBC
Credit Card

  • Only available to existing HSBC customers
  • 0% interest on balance transfers for *15 months
  • 0% interest on purchases for 3 months
  • *Transfers to be made within first 30 days
  • Interest free credit on purchases for up to 56 days
  • Typical 16.9% APR variable
  • 2.9% handling fee
  • Annual Fee: £0

HSBC Credit Card
Apply Now
Credit Card Natwest
Credit Card

  • 0% interest on balance transfers for 15 months
  • 0% interest on purchases for 3 months
  • AirMiles
  • Free Travel Accident Insurance
  • Interest free credit on purchases for up to 56 days
  • Typical 16.9% APR variable
  • 2.9% handling fee
  • Annual Fee: £0

Natwest Credit Card
Apply Now
Credit Card RBS
'Classic Card'

  • 0% interest on balance transfers for 15 months
  • 0% interest on purchases for 3 months
  • Typical 16.9% APR variable
  • 2.9% handling fee
  • Annual Fee: £0

Royal Bank Of Scotland Credit Cards
Apply Now
Credit Card Capital One
Platinum Card

  • 6.9% interest FIXED on balance transfers until 1st January 2012
  • 0% interest on purchases until 1st February 2010
  • Free Identity Theft Service
  • Typical 6.9% APR variable
  • 0% handling fee
  • Annual Fee: £0

Capital One Platinum Credit Card
Apply Now
Credit Card Halifax
All In One
Credit Card

  • 0% interest on balance transfers for 9 months
    - on outstanding balances from other credit or store cards transfered in the first 90 days
  • 0% interest on purchases for 9 months
  • Typical 15.9% APR variable
  • 3.0% handling fee
  • Annual Fee: £0

Halifax All In One Credit Card
Apply Now
Credit Card Amercan Express
Red Card

  • With American Express RED, you can help eliminate AIDS in Africa, because with every purchase made on the Card, 1% is contributed directly to the Global Fund.
  • 18.9% APR typical rate variable
  • Annual Fee: £0

American Express Red Credit Card
Apply Now
Credit Card Amercan Express
Platinum Reward Card

  • 5% cashback in first 3 months up to £100
  • Up to 1.5% after that, with no limit on how much you earn
  • Choose how you spend your cashback
  • Typical 18.9% APR variable
  • Annual Fee: £0

American Express Credit Cards
Apply Now
Credit Card Capital One
Classic Card

  • Poor Credit Rating?
    Strengthen your Credit Score
  • Up to £2,500 in spending power
  • Credit limit increase - simply use your card*, stay within your credit limit and make your payments on time and we will increase your initial credit limit on your 4th statement
  • A FREE choice of card design
  • Spread your payments
  • Response in 1 Minute
  • Typical 34.9% APR variable
  • Annual Fee: £0

Capital One Credit Card
Apply Now

back to the top ^ 

Credit Card advice  Credit cards, balance transfers, credit scores ...how does it all work?


Benefits, fee's & pit falls
There are few ways you can plan on using a credit card. Some can be beneficial and some ways should be definitely avoided! Sit down, look at your debts and see if a credit card is the best way to consolidate and move forward. Credit cards can often be a more attractive alternative to personal loans. Low life time balance transfer rates can often be lower then personal loan APRs and if you wish you can pay off a little extra from time to time without any charges. A good example of a low life time balance transfer rate is the Capital One Platinum Card. If you can divide your debt into affordable monthly amounts and calculate to pay your debt in full, then a good example is the Virgin Money Credit Card offering a full 16 months interest free on balance transfers.


The best way to use your credit card of course (and certainly for purchases outside promotional periods) is to pay off the outstanding balance in full each month. You can then take advantage of the interest-free period which varies from card to card and can be up to 60 days... meaning that if you make a purchase at the beginning of your statement period you could effectively be benefiting from up to two months interest free credit. Take a look at the NatWest Credit Card as a good example.
An additional benefit is that your purchases maybe insured by your credit card company and covered against damage during delivery. Some credit cards companies offer further insurances which you can find listed along side credit card features.


'Negative Payment Hierarchy'

If you choose to only meet your minimum payment every month you can be in for an expensive ride. Unlike personal loans the minimum payment drops each month, while this may look attractive it means it will take you longer to pay off the balance and the interest accumulating has the credit card companies rubbing their hands. More so if you use the same card for different types of transactions...

If you have, for example, a 12 month interest free promotional rate on balance transfers, then after transferring a balance you make a purchase and your credit card rate for purchases is 16.9%. You'll be paying for the debt that has the highest interest rate first (in this case the purchase), this is known as 'Negative Payment Hierarchy'. More over, if you were then to make a cash advance at (for example 21.9%) this jumps to the front of the queue making the total debt on the card a very expensive one to pay back. This effectively wipes out your balance transfer interest free period. Unless of course you can afford to pay a large amount of the debt within your next statement period. In short, avoid getting yourself in a muddle. If you need credit for more than one reason, use more than one credit card and choose the most appropriate for each.


Repair poor credit

The first thing to do if you think (or know) you have a bad credit rating, is to actually view what companies see when deciding whether or not to approve your application for credit. You'll be pleased to hear that this first port of call if free! Simply get your Free Experian 30 Day Credit Report here You'll then be able to see everything from your current available credit, your total debt, accounts, search dates companies have made when viewing your credit file and your actual credit score. Although it makes good sense to keep the access to your credit report after the 30 day trial (so you can see how the steps you take positively affects your rating), you can cancel the subscription before the end of the trial incurring no cost.
You may want to consider the Capital One Classic Card it's designed for people with poor credit. Although it has a high APR, you can demonstrate that you are now a trustworthy borrower. Just make a few small purchases using the card and make sure you pay the balance in full every month, this will go along way in your road to recovery. Other steps you can take to repair your credit rating are as follows:


  • Make sure you're enrolled on the electoral register.
  • Make sure you have a Contract Mobile Phone as appose to to pay-as-you go, just make sure you pay the bill on time each month.
  • Set-up direct debits for all your bills.
  • Close down old credit card accounts that are just sat around with no balances on them. The amount of available credit you have is considered by lenders and can go against you when applying for new credit.

Conclusion
So there is numerous ways to approach lending with credit cards. Plan your route, first up understand your credit report and rating. Take the appropriate steps to repair your credit if necessary. Make sure you have direct debits set-up for bills and are on the electoral roll. Choose the best card for the type of balance you are dealing with. Keep different type of debts on separate cards so to avoid 'Negative Payment Hierarchy'. Try to avoid paying the minimum balance each month. Follow these simple steps and you can enjoy the benefits that credit cards can offer, rater than being the victim of poor spending habits, bad credit and spiralling debt.
If you feel you need further help with your debts you can contact the Citizen's Advice Bureau

We hope you find this advice helpful and bag your perfect credit card deal here at Shop4offers.co.uk -


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