Compare theBest Credit CardsCompare UK credit cards to find the best credit card deals for you!
Balance Transfers Credit Card DefinitionPurchases Credit Card DefinitionRepresentative APR (Variable) Credit Card DefinitionRewards Credit Card Definition
Barclaycard Platinum Credit Card
BarclaycardPlatinum
0%22 months
2.9% fee
0%3 months
17.9%APR
  • Music
  • 0% on balance transfers for 22 months (2.9% fee)
  • 0% on purchases for 3 months
  • Barclaycard Unwind - exclusive access to music events, tickets to shows and live sessions. Keep up-to-date with news about artists and bands.
  • Contactless payment for items up to £15
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Representative Example: Based on a credit limit of £1,200 charged at 17.9% (variable) p.a. for purchases. Representative 17.9% APR (variable).
Halifax Balance Transfer Credit Card
HalifaxBalance Transfer Credit Card
0%22 months
3.5% fee
0%3 months
17.9%APR
  • Travel discounts
  • Shopping
  • Dining
  • 0% on balance transfers for 22 months
  • Discounts on travel, shopping & dining
  • Choice of card designs
  • Must have a minimum income of £20,000 pa
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Representative Example: Based on a credit limit of £1,200 charged at 17.95% (variable) p.a. for purchases. Representative 17.9% APR (variable).
HSBC Credit Card
HSBCCredit Card
0%23 months
3.3%
0%3 months
17.9%APR
  • Travel
  • 0% on balance transfers for 23 months
  • 8% off holidays booked through HSBC Travel Club
  • 24-hour worldwide emergency assistance
  • Must be HSBC current account holder or you must open a HSBC current account to apply for this card
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Representative Example: Based on a credit limit of £1,200 charged at 17.9% (variable) p.a. for purchases. Representative 17.9% APR (variable).
Virgin Money Credit Card
Virgin MoneyCredit Card
0%20 months
2.99% fee
0%3 months
16.8%APR
  • Travel
  • Shopping
  • Wine
  • Low balance transfer fee of 2.99%
  • Discount on Virgin Holidays, Wines, Experiences and many other Virgin services
  • Instant online decision
  • Contactless payment for items up to £15
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Representative Example: Based on a credit limit of £1,200 charged at 16.8% (variable) p.a. for purchases. Representative 16.8% APR (variable).
Halifax 20 Month Balance Transfer Credit Card
Halifax20 Month Balance Transfer Credit Card
0%20 month
3% fee
0%3 month
16.9%APR
  • Travel discounts
  • Shopping
  • Dining
  • 0% on balance transfers for 20 months
  • Discounts on travel, shopping & dining
  • Choose from a selection of 5 card colours
  • Minimum annual salary of £20,000 required
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Representative Example: Based on a credit limit of £1,200 charged at 16.94% (variable) p.a. for purchases. Representative 16.9% APR (variable).
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Credit Card Application

There are some distinct advantages of applying for a credit card online. Aside from the obvious convenience of not having to make an appointment with your prospective credit card provider or fill in endless paper work, it is much faster. All of the major credit card providers now allow you to apply for a credit card on their website. Credit card application online is instantly received by the credit card company and most of the processing involved will be dealt with automatically. You probably won't get an immediate 'yes' or 'no' answer from the company, however, because even with credit card applications online, the provider will still need to check with credit reference agencies to see if you are responsible with credit. Usually, the waiting time is only around a week: less than the more conventional credit card application method.

As soon as you have found the right card for you, you can normally study all the small print of the offer from the comfort of your own home. You won't be rushed into anything from someone trying to make a hard sell, and you won't have to worry about messing up a credit card application and having to start all over again. Applying online offers you the great advantage of being able to research your potential credit card provider against others more easily. Independent credit card comparison sites offer up-to-date information online so that you can contrast and compare the credit cards on the market.

Once you've found a card that suits you, you just click to apply and fill in a form. You will still be asked all the usual details such as your telephone number, occupation, income and address, as well as some security questions to prevent fraud. Once you have done this, you just submit the form, which is followed by an email confirmation of the submission. Shortly after that, you should receive the card.

Although applying online is very easy, the decision should not be taken lightly. You should still try to find the right card for your needs, based on your credit history, what you'll be using the card for, how often you'll be using the card and what deals will be most beneficial to you.