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A great balance transfer rate >> |
Rewards every time I spend >> |
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A great balance transfer rate
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Take your pick from earning cashback, high street vouchers or travel rewards
Here's our range of cards that could build your credit rating
Whether you're just starting out, or starting over, you could find the right card to build your credit rating here.
June favourites See how they compare
The UK's longest market leading 0% balance transfer
Platinum: 0% balance transfer, with 27 months interest free, with a reduced 2.98% transfer fee
- 0% balance transfer for 27 months
- 2.98% handling fee
Representative example
Representative APR (variable)
18.9% APR
Purchase rate p.a. (variable)
18.9% APR
Assumed credit limit
£1,200
Annual fee
No annual fee
Excellent credit rating considered
A 26 month balance transfer offer with a reduced fee
Platinum: 0% interest on balance transfers for 26 months - and we've reduced the transfer fee to 2.47%
- 0% balance transfer for 26 months
- 2.47% handling fee
Representative example
Representative APR (variable)
18.9% APR
Purchase rate p.a. (variable)
18.9% p.a.
Assumed credit limit
£1,200
Annual fee
No annual fee
Excellent credit rating considered
A simple way to help build your credit rating
Initial: start with a low and manageable credit limit that will be reviewed over time, with 0% on purchases for 5 months
- 0% on purchases for five months
Representative example
Representative APR (variable)
29.9% APR
Purchase rate p.a. (variable)
29.9% APR
Assumed credit limit
£1,200
Annual fee
No annual fee
Limited credit rating considered
The UK's longest market leading 0% balance transfer
Platinum: 0% balance transfer, with 27 months interest free, with a reduced 2.98% transfer fee
- 0% balance transfer for 27 months
- 2.98% handling fee
Representative example
Representative APR (variable)
18.9% APR
Purchase rate p.a. (variable)
18.9% APR
Assumed credit limit
£1,200
Annual fee
No annual fee
Excellent credit rating considered
A 26 month balance transfer offer with a reduced fee
Platinum: 0% interest on balance transfers for 26 months - and we've reduced the transfer fee to 2.47%
- 0% balance transfer for 26 months
- 2.47% handling fee
Representative example
Representative APR (variable)
18.9% APR
Purchase rate p.a. (variable)
18.9% p.a.
Assumed credit limit
£1,200
Annual fee
No annual fee
Excellent credit rating considered
Transfer a balance, and help build your credit rating
Platinum: You can get 0% interest on balance transfers for 18 months - and now we've reduced the transfer fee to 2.47%
- 0% balance transfer for 18 months
- 2.47% handling fee
Representative example
Representative APR (variable)
24.9% APR
Purchase rate p.a. (variable)
24.9% APR
Assumed credit limit
£1,200
Annual fee
No annual fee
Average credit rating considered
Our lowest fee 0% balance transfer offer
Platinum: 0% interest on balance transfers for 16 months, now with a reduced transfer fee of just 1.28%
- 1.28% handling fee
- 0% on balance transfers for 16 months
Representative example
Representative APR (variable)
18.9% APR
Purchase rate p.a. (variable)
18.9% APR
Assumed credit limit
£1,200
Annual fee
No annual fee
Excellent credit rating considered
Select our longest 0% offer on purchases
Platinum: 0% interest on purchases and balance transfers for 14 months, with a reduced transfer fee of 2.47%
- 0% on purchases for 14 months
- 0% balance transfers for 14 months (2.9% fee)
Representative example
Representative APR (variable)
18.9% APR
Purchase rate p.a. (variable)
18.9% APR
Assumed credit limit
£1,200
Annual fee
No annual fee
Excellent credit rating considered
No balance transfer fee
Platinum: Just 2.9% interest on balance transfers for 15 months, with no transfer fee
- 2.9% interest on balance transfers for 15 months
- No handling fee
Representative example
Representative APR (variable)
18.9% APR
Purchase rate p.a. (variable)
18.9% APR
Assumed credit limit
£1,200
Annual fee
No annual fee
Excellent credit rating considered
Collect Rewards Points to spend in your favourite places
Freedom Rewards: collect Freedom points and get rewards fast. With a reduced 2.47% balance transfer fee
- 10,500 points when you spend £500 in the first three months
- One point per £1 on all spend
- Triple points at selected Freedom partners
Representative example
Representative APR (variable)
18.9% APR
Purchase rate p.a. (variable)
18.9% APR
Assumed credit limit
£1,200
Annual fee
No annual fee
Excellent credit rating considered
Get cashback every time you use your card
High 5 Cashback: 2% cashback on your five highest purchases and 0.5% cashback on the rest, with no annual fee for one year
- 2% cashback on your five highest monthly purchases and 0.5% on the rest
- 6% cashback on your five highest monthly purchases in the first three months
Representative example
Representative APR (variable)
24.8% APR
Purchase rate p.a. (variable)
19.9%
Assumed credit limit
£1,200
Annual fee
£24 - waived for first year
Excellent credit rating considered
Earn Priority Club® points on all your spend
Priority Club® Rewards Visa®: make a purchase within the first 90 days and earn 10,000 bonus points
- 10,000 bonus Priority Club® points with your first purchase
- Two points per £1 spent at IHG Hotels
- One point per £1 spent anywhere
Representative example
Representative APR (variable)
18.9% APR
Purchase rate p.a. (variable)
18.9% APR
Assumed credit limit
£1,200
Annual fee
No annual fee
Good credit rating considered
Earn Hilton HHonors™ points on all your spend
Hilton HHonors™ Platinum Visa®: purchase within 90 days and get a free stay anywhere in the world
- Free weekend stay at a Hilton Worldwide hotel when you spend £750 in the first three months
- Three points per £1 spent at Hilton Worldwide hotels and two points everywhere else
Representative example
Representative APR (variable)
18.9% APR
Purchase rate p.a. (variable)
18.9% APR
Assumed credit limit
£1,200
Annual fee
No annual fee
Good credit rating considered
Double the Priority Club® points you earn
Priority Club® Black Visa®: make a purchase within the first 90 days and earn 20,000 bonus points
- 20,000 bonus Priority Club® points with your first purchase
- Four points per £1 spent at IHG Hotels
- Two points per £1 spent anywhere
Representative example
Representative APR (variable)
42.2% APR
Purchase rate p.a. (variable)
19.9% APR
Assumed credit limit
£1,200
Annual fee
£99 annual fee
Good credit rating considered
A simple way to help build your credit rating
Initial: start with a low and manageable credit limit that will be reviewed over time, with 0% on purchases for 5 months
- 0% on purchases for five months
Representative example
Representative APR (variable)
29.9% APR
Purchase rate p.a. (variable)
29.9% APR
Assumed credit limit
£1,200
Annual fee
No annual fee
Limited credit rating considered
