Compare theBest Credit CardsCompare UK credit cards to find the best deals for you!
Balance Transfers Credit Card DefinitionPurchases Credit Card DefinitionRepresentative APR (Variable) Credit Card DefinitionRewards Credit Card Definition
Halifax Balance Transfer
HalifaxBalance Transfer
0%28 months
2.45% fee
0%6 months
18.9%APR
  • No rewards
  • 0% on balance transfers for 28 months
  • Low transfer fee, your fee is reduced from 3% to just 2.45%
  • 0% for the first 6 months on purchases
  • Manage your card online using Online and Mobile Banking
  • Covered against online fraud on the Internet
  • Around the clock service
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Representative Example: Based on a credit limit of £1,200 charged at 18.95% (variable) p.a. for purchases. Representative 18.9% APR (variable).
Nationwide Credit Card
NationwideCredit Card
0%20 months
3.1% fee
0%3 months
15.9%APR
  • Shopping
  • Travel
  • 0% on balance transfers for 20 months
  • Ideal for overseas spending
  • Commission free foreign transactions
  • Simply Rewards scheme - offers on major brands
  • Good credit history required
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Representative Example: Based on a credit limit of £1,200 charged at 15.9% (variable) p.a. for purchases. Representative 15.9% APR (variable).
Halifax All in One
HalifaxAll in One
0%15 months
0.8% fee
0%15 months
17.9%APR
  • No rewards
  • 0% on balance transfers for 15 months
  • Low transfer fee, your fee is reduced from 3% to just 0.8%
  • 0% on purchases for 15 months
  • Manage your card online using Online and Mobile Banking
  • Online fraud protection
  • Around the clock service
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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).
American Express Platinum Cashback Credit Card
American ExpressPlatinum Cashback
No offer
14%
18.5%APR
  • Cashback
  • 5% cashback for the first 3 months (up to £2000 spend)
  • Thereafter standard 1.25% cashback
  • 2.5% cashback every year in the month following your card anniversary
  • No cap on cashback earnings
  • £25 Annual fee
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Representative Example: Based on a credit limit of £1,200 charged at 14.0% (variable) p.a. for purchases with £25 annual fee. 18.5% APR (variable).
AA Balance Transfer Credit Card
AABalance Transfer Credit Card
0%16 months
2.9% fee
0%3 months
17.9%APR
  • Motoring
  • Shopping
  • Vouchers
  • AA Reward Points, earn up to the equivalent of 4% back
  • Use points for motoring, insurance, shopping, cash back, fuel, days out and lots more.
  • 0% on balance transfers for 16 months (2.9% fee)
  • 0% on all card purchases for 3 months
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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).
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Credit Card Application Made Easy

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 issuer or fill in endless paper work, it is much faster. All of the major card providers now allow you to apply for a 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 provider against others more easily. Independent 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.