Which card?
If you currently have a debt on your current card you should consider
switching the balance to a card charging 0 per cent on balances for an
introductory period and aim to clear what you owe within that time.
If you're unlikely to clear your balance within the 6 to 12 month
introductory period, you might want to consider a card which offers a
life of balance rate.
If you pay off your balance each month, the interest rate will be
irrelevant as you won't be charged interest for your spending, so
consider a card offering the best cashback rewards.
| Credit Card | Intro Rate For Balance Transfers |
Intro Rate For Purchases |
Other Info | Typical APR (variable) | |
|---|---|---|---|---|---|
 Barclaycard Simplicity |
7.9% (Fee: no fee) |
7.9% |
Suitable for applicants with a good credit rating |
7.9% |  |
 Capital One Click |
9.9% (Fee: no fee) |
9.9% |
If you love shopping online, the Click Card is designed for you Suitable for applicants with a very good credit rating and an annual income of over £20,000 |
9.9% | |
 Lloyds TSB Advance |
4.9% for 12 months (Fee: 3%) |
0% for 6 months | 11.9% | |
| Credit Card | Intro Rate For Balance Transfers |
Intro Rate For Purchases |
Other Info | Typical APR (variable) | |
|---|---|---|---|---|---|
 Halifax All In One |
0% for 15 months (Fee: 3% - min £3) |
0% for 15 months |
The APR and length of the promotional offer are dependent on your personal circumstances |
17.9% | |
 Bank of Scotland Advantage |
0% for 13 months (Fee: 3% - min £3) |
0% for 13 months | To qualify you will need to have a Bank of Scotland Current Account which you pay £1,000 or more into each month or hold an Ultimate Reward Current Account. | 17.9% | |
 NatWest YourPoints World |
0% for 13 months (Fee: 2.9% - min £5) |
0% for 13 months |
Introductory 2,500 bonus points to all new customers |
17.9% | |
| Credit Card | Intro Rate For Balance Transfers |
Intro Rate For Purchases |
Other Info | Typical APR (variable) | |
|---|---|---|---|---|---|
 Barclaycard Platinum Balance Transfer |
0% for 24 months (Fee: 3.2%) |
0% for 3 months |
Freeze your interest at 0% until 2014! |
17.9% | |
 HSBC Bank |
0% for 23 months (Fee: 3.3% fee - min £5) |
0% for 3 months |
This product is only available to existing HSBC customers |
17.9% | |
 Barclaycard Platinum |
0% for 22 months (Fee: 3.2% ) |
0% for 3 months |
Refund offer which reduces the handling fee to equivalent of 2.9% for everyone |
17.5% | |