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Key Facts

 

Credit cards Guides

 

Free Yourself From Credit Card Debt
Millions of Britons are currently managing to get by using their flexible plastic friends. What would our lives be like if we couldn't use credit cards, or go into our overdrafts, or take out loans?

Prepaid cards: A plastic revolution.
The problem with using credit cards is that convenience and speed can carry you away, and often leads to overspending, or getting into dangerous debt. Another choice is already here; it's called the Prepaid Card.

What type of credit card is best?
They’re so easy aren’t they: credit cards? It lands on your doormat, 85.60 x 53.98mm of pure spending power, emblazoned with your chosen design. But what is the rate for purchases? Balance transfers? Do you get any rewards for spending on it?

Credit cards Tips

 

Prepaid cards for students
Prepaid Cards are perfect for students starting university. Keep student debts in check. These cards allow you to easily manage your finances, there are no monthly account charges and no credit checks required.

On the spot tip: Cards to use abroad
Check out some of the best travel money cards to use when you're on your overseas holidays...

Credit Cards: The 0% introductory purchase deal
The thing about credit cards is that they seem so simple. Most of us already have a debit card, but there are many more things to think about when considering which credit card to apply for

Credit Card Best Buys

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Cashback Credit Cards

Intro Rate For PurchasesTypical
APR
Cash WithdrawalsCashback
Details
SORTSORTSORT
American Express0.0% for 6 months
19.9%
27.9%Introductory 5.00% for 3 months on spend up to £2,000 per year. Standard 0.50% on spend up to £3,500 per year. 1.00% on spend between £3,501 - £7,500 per year. 1.25% on spend over £7,501 per year.
Bank of Ireland (UK)0.0% for 3 months
17.9%
24.9%Standard 0.50% on spend up to £15,000 per year.
Capital One BankN/A 
19.9%
25.9%Standard 1.00% per year.
EggN/A 
18.6%
21.9%Standard 1.00% on spend between £500 - £20,000 per year.
First Trust Bank (NI)N/A 
18.9%
20.7%Standard 0.50% on spend over £5,000 per year.
SmileN/A 
20.9%
23.9%Standard 0.25% per month.
 Sponsored Products
AA
0.0% for 12 months
18.9%
27.9%
Click to compare up to 3 credit card products.
Disclaimer:
Fees and rates subject to change without notice. Check all rates and terms before borrowing. Assumptions have been made in calculating savings/costs. The figures should be used to illustrate potential savings and should be confirmed with credit card providers.
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Cashback Credit Cards Explained

Some credit cards offer a cashback payment for using the card. These are most suitable if you pay off the balance in full as any interest paid can eat into the cashback earned. Cashback is usually limited to spending on purchases but some deals also allow cashback to be earned on balance transfers and cash withdrawals. You should also check the small print as conditions often apply and these can change throughout the life of the card.
 

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Money Tips

Student prepaid cards
Prepaid Cards are perfect for students starting university. Keep student debts in check, these cards let you to easily manage your finances, there are no monthly account charges and no credit checks.

Worried about how you will repay your mortgage?
Financially a few things can weigh so heavily on a mind, than worry about paying your mortgage. Worrying can be good for you; in that it can be the spark that ignites the fire of action.

High maintenance savings
Why it pays to be high maintenance when it comes to saving

Using a credit card can help improve your credit rating
Credit cards, when used responsibly and in a disciplined manner, can actually improve your credit rating

The 0% introductory purchase credit card deal
A 0% purchase credit card can be fantastic way to buy now pay later...

Are some banks foreign to you?
Have you ever checked our best buy charts and not recognised the names of some of the banks listed?

Student Money Saving Tips
It’s not all caps, gowns & bicycles with textbooks underarm...

Festival Tips
Make sure your festival experience is one to repeat...

 

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