Find the credit card that's right for you
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A great balance transfer rate >> |
Rewards every time I spend >> |
A way to build my credit rating >> |
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A great balance transfer rate
Our range of reward cards
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.
Our current favourites See how they compare
Our longest ever market leading 0% balance transfer
Platinum: a market-leading 0% balance transfer, with 27 months interest-free for a 3.5% fee
- 0% balance transfer for 27 months
- 3.5% 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
Double points at UK petrol stations and supermarkets
Freedom Rewards: collect points on your spend at home and abroad and redeem from high street brands
- 17,500 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
The simple way to build your credit history
Initial: start with a low and manageable credit limit that will be reviewed over time
- 0% on purchases for three 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
Our longest ever market leading 0% balance transfer
Platinum: a market-leading 0% balance transfer, with 27 months interest-free for a 3.5% fee
- 0% balance transfer for 27 months
- 3.5% 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
Our lowest fee 0% balance transfer offer
Platinum: 0% balance transfer for 16 months, with our lowest 1.5% handling fee
- 1.5% 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
Our longest 0% offer on purchases
Platinum: a 2.9% fee and 14 months of interest-free purchases and balance transfers
- 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
Build your credit rating and transfer balances
Gold: build up your credit rating with a competitive APR, as well as 0% for 12 months on balance transfers
- 0% balance transfer for 12 months
- 2.5% handling fee
Representative example
Representative APR (variable)
19.9% APR
Purchase rate p.a. (variable)
19.9% APR
Assumed credit limit
£1,200
Annual fee
No annual fee
Average credit rating considered
Our simplest, lowest rate and no surprises
Platinum Simplicity: an award winning card offering our lowest rate on balance transfers and purchases
- One low rate of 7.9% for both purchase and balance transfers
- No handling fee
Representative example
Representative APR (variable)
7.9% APR
Purchase rate p.a. (variable)
7.9% APR
Assumed credit limit
£1,200
Annual fee
No annual fee
Excellent credit rating considered
Double points at UK petrol stations and supermarkets
Freedom Rewards: collect points on your spend at home and abroad and redeem from high street brands
- 17,500 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
2% cashback on your five highest monthly purchases
High 5 Cashback: 2% cashback on your five highest purchases and 0.5% cashback on the rest
- 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 annual fee
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
The simple way to build your credit history
Initial: start with a low and manageable credit limit that will be reviewed over time
- 0% on purchases for three 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
