Best Choice
|
Best For... |
|
Balance Transfer Offer
|
|
Intro Purchase Offer
|
|
Rewards |
|
Typical APR
(variable)
|
|
|
 |
Leading 0% balance transfers for up to 14 months |
|
0%
until 1 Aug 2010
(3% transfer fee) |
|
0%
until 1 Oct 2009 |
|
cash back & discounts at selected retailers
(up to 25%) |
|
16.9% APR
|
|
|
|
Building and stregthening a poor credit history |
|
34.94% p.a.
(3% transfer fee) |
|
Not offered |
|
none |
|
34.9% APR
|
|
|
|
American Express Platinum Cashback
|
|
|
Earning up to 5% cashback on all your spending |
|
% p.a. |
|
Not offered |
|
cash back
(up to 5%) |
|
18.9% APR
|
|
|
Post Office
|
|
|
0% balance transfers for 12 months, and again in 2010 and 2011 |
|
0%
for 12 months
(another 0% for 5 months in 2010 & 2011)
(2.98% transfer fee) |
|
0%
for 3 months |
|
2-in-1 loan |
|
16.9% APR
|
|
|
RBS Platinum (Existing Customers Only)
|
|
|
Great 0% balance transfers for 15 months for existing RBS customers |
|
0%
for 15 months
(2.9% transfer fee) |
|
0%
for 3 months |
|
Shopping & travel discounts |
|
16.9% APR
|
|
|
Natwest Platinum (Existing Customers Only)
|
|
|
Great 0% balance transfers for 15 months for existing Natwest customers |
|
0%
for 15 months
(2.9% transfer fee) |
|
0%
for 3 months |
|
Travel discounts & wine club offers |
|
16.9% APR
|
|
|
RBS Gold
|
|
|
|
|
8.9% p.a.
for life of balance
(2% payment back every 6 months) |
|
8.9%
for 9 months |
|
Shopping & travel discounts |
|
16.9% APR
|
|
|
Natwest Gold
|
|
|
|
|
8.9% p.a.
for life of balance
(2% payment back every 6 months) |
|
8.9%
for 9 months |
|
Travel discounts & wine club offers |
|
16.9% APR
|
|
|
RBS Classic
|
|
|
4.9% intro purchases for 9 months |
|
16.95% p.a. |
|
4.9%
for 9 months |
|
Shopping & travel discounts |
|
16.9% APR
|
|
|
Natwest Classic
|
|
|
4.9% intro purchases for 9 months |
|
16.95% p.a. |
|
4.9%
for 9 months |
|
Travel discounts & wine club offers |
|
16.9% APR
|
|
|
Nectar
|
|
|
Earning up to 4 Nectar points on all your spending |
|
% p.a. |
|
Not offered |
|
Nectar points
(up to 4 Nectar points for each £1 spent) |
|
18.9% APR
|
|
|
British Airways
|
|
|
Earning BA Miles with no annual fee |
|
% p.a. |
|
Not offered |
|
British Airways flyer miles
(1 BA Mile for each £1 spent) |
|
19.9% APR
|
|
|
British Airways Premium Plus
|
|
|
Earning BA Miles for frequent BA flyers |
|
% p.a. |
|
Not offered |
|
British Airways flyer miles
(up to 3 BA Miles for each £1 spent) |
|
46% APR
|
|
