|
Interest Free Period
|
|
Intro Purchase Offer
|
|
Balance Transfer Offer
|
|
Rewards |
|
Typical APR
(variable)
|
|
|
|
Bank of Scotland All in One
|
|
 |
Best Buy!
Up to
59 days
|
|
0%
for 9 months
|
|
0%
for 9 months
(3% transfer fee)
|
|
none
|
|
15.9% APR
|
|
|
|
|
Up to
59 days
|
|
0%
for 9 months
|
|
0%
for 9 months
(3% transfer fee)
|
|
none
|
|
15.9% APR
|
|
|
|
|
Up to
56 days
|
|
Not offered
|
|
6.8% p.a.
for life of balance
(2.5% transfer fee)
|
|
Shopping & travel discounts
|
|
6.8% APR
|
|
|
Barclaycard Platinum with Balance Transfer
|
|
|
Up to
56 days
|
|
0%
for 3 months
|
|
0%
until 1 Aug 2010
(On amounts up to £5,000)
(2.5% transfer fee)
|
|
Shopping & travel discounts
|
|
12.4% APR
|
|
|
Lloyds TSB Airmiles Duo
|
|
|
Up to
56 days
|
|
Not offered
|
|
0%
for 3 months
(Minimum spend of £100 in 3 months required to increase balance transfer period to 6 months.)
(3% transfer fee)
|
|
Airmiles
(1 airmile for each £10 / £50 spent)
|
|
15.9% APR
|
|
|
HSBC (Existing Customers Only)
|
|
|
Up to
56 days
|
|
0%
for 3 months
|
|
0%
for 15 months
(2.9% transfer fee)
|
|
none
|
|
16.9% APR
|
|
|
Natwest Classic
|
|
|
Up to
56 days
|
|
4.9%
for 9 months
|
|
16.95% p.a.
|
|
Travel discounts & wine club offers
|
|
16.9% APR
|
|
|
Natwest Gold
|
|
|
Up to
56 days
|
|
8.9%
for 9 months
|
|
8.9% p.a.
for life of balance
(2% payment back every 6 months)
|
|
Travel discounts & wine club offers
|
|
16.9% APR
|
|
|
Natwest Platinum (Existing Customers Only)
|
|
|
Up to
56 days
|
|
0%
for 3 months
|
|
0%
for 15 months
(2.9% transfer fee)
|
|
Travel discounts & wine club offers
|
|
16.9% APR
|
|
|
Post Office
|
|
|
Up to
56 days
|
|
0%
for 3 months
|
|
0%
for 12 months
(another 0% for 5 months in 2010 & 2011)
(2.98% transfer fee)
|
|
2-in-1 loan
|
|
16.9% APR
|
|
|
RBS Classic
|
|
|
Up to
56 days
|
|
4.9%
for 9 months
|
|
16.95% p.a.
|
|
Shopping & travel discounts
|
|
16.9% APR
|
|
|
RBS Gold
|
|
|
Up to
56 days
|
|
8.9%
for 9 months
|
|
8.9% p.a.
for life of balance
(2% payment back every 6 months)
|
|
Shopping & travel discounts
|
|
16.9% APR
|
|
|
RBS Platinum (Existing Customers Only)
|
|
|
Up to
56 days
|
|
0%
for 3 months
|
|
0%
for 15 months
(2.9% transfer fee)
|
|
Shopping & travel discounts
|
|
16.9% APR
|
|
|
American Express Platinum Cashback
|
|
|
Up to
56 days
|
|
Not offered
|
|
% p.a.
|
|
cash back
(up to 5%)
|
|
18.9% APR
|
|
|
Nectar
|
|
|
Up to
56 days
|
|
Not offered
|
|
% p.a.
|
|
Nectar points
(up to 4 Nectar points for each £1 spent)
|
|
18.9% APR
|
|
|
British Airways
|
|
|
Up to
56 days
|
|
Not offered
|
|
% p.a.
|
|
British Airways flyer miles
(1 BA Mile for each £1 spent)
|
|
19.9% APR
|
|
|
British Airways Premium Plus
|
|
|
Up to
56 days
|
|
Not offered
|
|
% p.a.
|
|
British Airways flyer miles
(up to 3 BA Miles for each £1 spent)
|
|
46% APR
|
|
|
Capital One Classic
|
|
|
Up to
56 days
|
|
Not offered
|
|
34.94% p.a.
(3% transfer fee)
|
|
none
|
|
34.9% APR
|
|
|
Vanquis Visa
|
|
|
Up to
56 days
|
|
Not offered
|
|
% p.a.
|
|
none
|
|
39.9% APR
|
|
|
MBNA Breakthrough Breast Cancer
|
|
|
Up to
50 days
|
|
0%
for 3 months
|
|
0%
for 12 months
(Includes transferring cash into a current account (4% fee))
(3% transfer fee)
|
|
Breakthrough Breast Cancer donations
|
|
15.9% APR
|
|
|
MBNA National Trust
|
|
|
Up to
50 days
|
|
0%
for 3 months
|
|
0%
for 12 months
(Includes transferring cash into a current account (4% fee))
(3% transfer fee)
|
|
National Trust donations
|
|
15.9% APR
|
|
|
MBNA Platinum Plus
|
|
|
Up to
50 days
|
|
0%
for 3 months
|
|
0%
for 13 months
(Includes transferring cash into a current account (4% fee))
(2.9% transfer fee)
|
|
none
|
|
15.9% APR
|
|
|
MBNA Platinum Rewards
|
|
|
Up to
50 days
|
|
0%
for 3 months
|
|
0%
for 13 months
(Includes transferring cash into a current account (4% fee))
(2.9% transfer fee)
|
|
rewards: travel, entertainment, shopping, cash
(1 MBNA reward point for each £1 spent)
|
|
15.9% APR
|
|
|
MBNA RSPCA
|
|
|
Up to
50 days
|
|
0%
for 3 months
|
|
0%
for 12 months
(Includes transferring cash into a current account (4% fee))
(3% transfer fee)
|
|
RSPCA donations
|
|
15.9% APR
|
|
|
MBNA WWF
|
|
|
Up to
50 days
|
|
0%
for 3 months
|
|
0%
for 12 months
(Includes transferring cash into a current account (4% fee))
(3% transfer fee)
|
|
WWF donations
|
|
15.9% APR
|
|
|
Virgin
|
|
|
Up to
50 days
|
|
0%
for 3 months
|
|
0%
for 16 months
(Includes transferring cash into a current account (4% fee))
(2.98% transfer fee)
|
|
Virgin discounts
|
|
16.6% APR
|
|
|
Virgin Atlantic White
|
|
|
Up to
46 days
|
|
Not offered
|
|
0%
for 6 months
(2% transfer fee)
|
|
travel: flights, hotels, holidays and more
(up to 2 Flying Club miles for each £1 spent)
|
|
17.9% APR
|
|
|
Egg
|
|
|
Up to
45 days
|
|
0%
until 1 Oct 2009
|
|
0%
until 1 Aug 2010
(3% transfer fee)
|
|
cash back & discounts at selected retailers
(up to 25%)
|
|
16.9% APR
|
|
