Representative Example: If you spend £1,200 at a purchase interest rate of 29.64% (variable) your representative APR will be 29.6% APR (variable)
£1200
29.6 % APR
Representative ExampleRepresentative ExampleThis is an example of the Purchase APR, Representative APR and credit limit you could be offered by this provider. Remember, your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.: If you spend £1,200 at a purchase interest rate of 29.64% (variable) your representative APRRepresentative APRThe annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card. Remember, 0% interest offers don't incur interest charges. will be 29.6% APR (variable)
£1000
29.8 % APR
Representative ExampleRepresentative ExampleThis is an example of the Purchase APR, Representative APR and credit limit you could be offered by this provider. Remember, your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.: If you spend £1,000 at a purchase interest rate of 29.84% (variable) your representative APRRepresentative APRThe annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card. Remember, 0% interest offers don't incur interest charges. will be 29.8% APR (variable)
£1500
29.8 % APR
Representative ExampleRepresentative ExampleThis is an example of the Purchase APR, Representative APR and credit limit you could be offered by this provider. Remember, your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.: If you spend £1,200 at a purchase interest rate of 29.84% (variable) your representative APRRepresentative APRThe annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card. Remember, 0% interest offers don't incur interest charges. will be 29.8% APR (variable)
£1200
34.9 % APR
Representative ExampleRepresentative ExampleThis is an example of the Purchase APR, Representative APR and credit limit you could be offered by this provider. Remember, your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.: If you spend £1,200 at a purchase interest rate of 34.9% (variable) your representative APRRepresentative APRThe annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card. Remember, 0% interest offers don't incur interest charges. will be 34.9% APR (variable)
£1200
34.9 % APR
Representative ExampleRepresentative ExampleThis is an example of the Purchase APR, Representative APR and credit limit you could be offered by this provider. Remember, your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.: If you spend £1,200 at a purchase interest rate of 34.91% (variable) your representative APRRepresentative APRThe annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card. Remember, 0% interest offers don't incur interest charges. will be 34.9% APR (variable)
£1200
34.9 % APR
Representative ExampleRepresentative ExampleThis is an example of the Purchase APR, Representative APR and credit limit you could be offered by this provider. Remember, your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.: If you spend £1,200 at a purchase interest rate of 34.91% (variable) your representative APRRepresentative APRThe annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card. Remember, 0% interest offers don't incur interest charges. will be 34.9% APR (variable)
£1500
34.9 % APR
Representative ExampleRepresentative ExampleThis is an example of the Purchase APR, Representative APR and credit limit you could be offered by this provider. Remember, your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.: If you spend £1,200 at a purchase interest rate of 34.94% (variable) your representative APRRepresentative APRThe annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card. Remember, 0% interest offers don't incur interest charges. will be 34.9% APR (variable)
£1000
34.9 % APR
Representative ExampleRepresentative ExampleThis is an example of the Purchase APR, Representative APR and credit limit you could be offered by this provider. Remember, your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.: If you spend £1,000 at a purchase interest rate of 34.96% (variable) your representative APRRepresentative APRThe annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card. Remember, 0% interest offers don't incur interest charges. will be 34.9% APR (variable)
£1500
35.9 % APR
Representative ExampleRepresentative ExampleThis is an example of the Purchase APR, Representative APR and credit limit you could be offered by this provider. Remember, your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.: If you spend £1,200 at a purchase interest rate of 35.94% (variable) your representative APRRepresentative APRThe annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card. Remember, 0% interest offers don't incur interest charges. will be 35.9% APR (variable)
£1000
39.9 % APR
Representative ExampleRepresentative ExampleThis is an example of the Purchase APR, Representative APR and credit limit you could be offered by this provider. Remember, your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.: If you spend £1,000 at a purchase interest rate of 39.94% (variable) your representative APRRepresentative APRThe annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card. Remember, 0% interest offers don't incur interest charges. will be 39.9% APR (variable)
Sam, Sheffield
Jamie, Liverpool
Sarah, London
Credit comparison is all we do. Unlike other comparison sites, we’re 100% focused on credit comparison, which is why we do it so well.
See your results displayed in tables tailored to your needs. Our comparison page lets you compare products quickly and easily and find the best credit card for the best value.
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Getting a balance transfer card can help you to manage your debts. You can move an existing credit card balance onto the balance transfer card and make the most of the 0% interest offer period. When you first move the amount over you will have to pay a fee of 2–3%, although a longer deal may incur higher fees. The best idea might be to choose a card with a smaller transfer fee, but a shorter 0% period. Use our calculator to see which card could save you the most cash and also find out how likely you are to be accepted. Balance transfer cards aren’t designed for purchasing – if you use them in this way, you’ll pay interest on the money you spend.
Find out how you could save money with a balance transfer card
If you need to make a large purchase, this type of card can help you to spread the cost over several months. The cards offer you an introductory period, during which time you don’t pay any interest on your spending, as long as you make the minimum repayment each month. By the time the 0% interest period finishes, you should pay off the balance or move the amount onto a balance transfer card, because the subsequent interest rate could be very high.
Use a 0% purchase card to spread your costs without paying interest
You can use this kind of card if you have debt on a credit card and want to spread the cost of a single large purchase. Bear in mind, though, that you could get a better rate from separate balance transfer and purchase cards.
Find out how to take advantage of a combined credit card
A cashback credit card can reward you for paying off your balance each month by giving you back 1% to 5% of the amount you’ve spent. However, these cards have high interest rates, so you should only use them if you clear your balance each month.
Get a cashback card and earn as you spend
Similar to a cashback card, these credit cards offer rewards if you pay off your full balance each month. Instead of giving you money back, these cards let you earn points that can be used to buy things like flight tickets.
How to get the most from your rewards credit card
Lots of shops will offer you a store card at the till and they might tempt you with an introductory offer such as a discount on what you’re buying at the time. These cards usually have an extremely high rate of interest, so it’s best to turn them down.
These credit cards offer the opportunity to give a percentage of the money you spend to a charity of your choice. Although this sounds like a good idea, the charity often receives as little as 25p for every £100 spent. This is a very poor cashback rate of 0.25%. Consider using a regular cashback credit card, and giving the money that you earn to charity. This could mean a much better donation rate of around £1 for every £100 spent.
Why your charity credit card probably isn't worth it
Using your regular credit card abroad will mean that you pay an extra fee of around 3% on every purchase you make. For cheaper holiday spending, consider an overseas spending credit card, which will offer you a lower fee or no fee at all.
These five golden rules can help you make the most of your credit card and build up your credit rating.
To build a good credit score, the most important thing is to never miss a payment. You should set up a direct debit so that at least the minimum payment is always paid on time. This helps you to avoid penalties and extra interest charges, and helps to keep your credit score healthy.
If you apply for lots of credit over a short period of time, this will hit your credit rating hard. A credit check is run by the lender each time you make an application and it’s recorded on your file. Lenders will think that you’re desperate for money if they can see lots of checks on your record. Try our eligibility checker to see which cards are most likely to accept your application, without leaving a mark that is visible to lenders on your credit file.
If you have a credit card and use it sensibly by paying off the balance each month, this can boost your credit record. This means you could be able to get better deals and interest rates in the future.
Don’t just cut up any old cards – contact your providers and make sure they’re officially cancelled. This can help your credit rating as lenders base their decisions partly on the total amount of credit you have access to, including credit limits on unused cards.
Make sure that you know the interest rates and fees that apply to your credit card. It’s a good idea to set a reminder in your diary or phone, so that six weeks before a 0% deal is due to end you get a warning. This can help you to avoid penalties.
Seven million people’s credit applications are turned down each year, which negatively impacts their credit score. You can avoid the cycle of credit declines by comparing cards using TotallyMoney.com.
With our eligibility checker, you can see which cards are most likely to accept your application before you apply. This protects your credit score, and doesn’t leave a footprint that can be seen by lenders.
Customers who used our eligibility check service for a full credit card comparison experienced a 114% higher credit acceptance rate (January to July 2014).
Use this calculator to quickly and easily compare different borrowing options. Just tap in how much you want and how long you'll need to pay it back and we'll give you an idea of your cheapest borrowing option.
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Myth 1 – Lenders won’t lend to me with poor credit. Myth 2 – Serious defaults stay on my credit file forever. Myth 3 – If I have existing debts I won’t get a credit card...
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