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