Credit cards

Credit cards


A credit card can be a flexible way to borrow money. With the right credit card, you could take control of your finances, spread out the cost of the things you’d like to buy now, or earn rewards on your everyday spending. You’ll usually be charged interest on what you borrow, unless you clear your balance every month or have an interest-free offer.

Balance transfer credit cards

Purchase credit cards

Rewards credit cards

Credit building credit cards

Comparing credit cards

Need a hand choosing the right credit card for you? If you know what type of card you want, click a category above to see what cards we have on offer. Or if you’re looking for a balance transfer, try our calculator to find out which one could be right for you.

Use balance transfer calculator

Are you eligible?

You can use our free eligibility checker before you apply to find out whether you’re likely to be accepted for a credit card. It only takes a few minutes and it won’t affect your credit rating.

Credit card eligibility checker

Initial credit card 

Are you looking for your first credit card, or do you have a limited credit history?

  • Credit limit of £150-£1,200 subject to status
  • 0% interest on purchases for three months from the date you open your account
  • £20 cashback after 3 months when you make your minimum payments on time and don’t go over your credit limit. Offer ends 21 December 2016. T&Cs apply

Representative example

Representative APR 34.9% APR (variable)
Purchase rate p.a. 34.9% p.a. (variable)
Assumed credit limit £1,200
Annual Fee No annual fee

The credit limit, APR and offer terms may vary with individual circumstances, subject to status.


37 month balance transfer Platinum card

Great if you want maximum flexibility on how quickly you pay off your balance.

  • 0% interest for 37 months on balance transfers made within 60 days of opening your account
  • 1.44% balance transfer fee (terms apply)

Representative example

Representative APR 18.9% APR (variable)
Purchase rate p.a. 18.9% p.a. (variable)
Assumed credit limit £1,200
Annual Fee No annual fee

You may be offered a different credit limit, representative APR, purchase rate or promotional Balance Transfer period to the one shown here because it depends on your individual circumstances.


32 month balance transfer Platinum card

Could be good if you want a lower fee and you’re happy with a bit less time to pay off your balance. 

  • 0% interest for 32 months on balance transfers made within 60 days of opening your account
  • 0.63% balance transfer fee (terms apply)

Representative example

Representative APR 18.9% APR (variable)
Purchase rate p.a. 18.9% p.a. (variable)
Assumed credit limit £1,200
Annual Fee No annual fee

You may be offered a different credit limit, representative APR, purchase rate or promotional Balance Transfer period to the one shown here because it depends on your individual circumstances.


No fee 24 month balance transfer Platinum card 

Could be good if you’re looking to transfer a balance but you don’t want to pay a fee.

  • 0% interest for 24 months on balance transfers made within 60 days of opening your account
  • 0% balance transfer fee (terms apply)

Representative example

Representative APR 18.9% APR (variable)
Purchase rate p.a. 18.9% p.a. (variable)
Assumed credit limit £1,200
Annual Fee No annual fee

You may be offered a different credit limit, representative APR, purchase rate or promotional Balance Transfer period to the one shown here because it depends on your individual circumstances.


Our great all-rounder Platinum card

A flexible card you can use for balance transfers and purchases.

  • 0% interest on purchases for 25 months from the date you open your account
  • 0% interest for 25 months on balance transfers made within 60 days of opening your account (1.99% fee applies)

Representative example

Representative APR 18.9% APR (variable)
Purchase rate p.a. 18.9% p.a. (variable)
Assumed credit limit £1,200
Annual Fee No annual fee

You may be offered a different credit limit, representative APR, purchase rate or promotional Balance Transfer period to the one shown here because it depends on your individual circumstances.


18 month balance transfer Platinum card

Great if you’ve built an average credit history and you’re now looking for a balance transfer.

  • 0% interest for 18 months on balance transfers made within 60 days of opening your account (2.99% fee applies)
  • £20 cashback when you transfer a balance of £500 or more. Offer ends 6 February 2017 (T&Cs apply)

Representative example

Representative APR 24.9% APR (variable)
Purchase rate p.a. 24.9% p.a. (variable)
Assumed credit limit £1,200
Annual Fee No annual fee

You may be offered a different credit limit, representative APR, purchase rate or promotional Balance Transfer period to the one shown here because it depends on your individual circumstances.


Platinum travel credit card

Could be good if you don’t want to pay non-sterling transaction fees when travelling abroad.

  • No non-sterling transaction fees on your foreign spend and ATM withdrawals abroad until 31 August 2018
  • Take advantage of Visa’s competitive exchange rate
  • Enjoy 11.9% interest on your purchases and 27.9% interest on your ATM withdrawals home and abroad

Representative example

Representative APR 11.9% APR (variable)
Purchase rate p.a. 11.9% p.a. (variable)
Assumed credit limit £1,200
Annual Fee No annual fee

After the promotional period your non-sterling transaction fee will revert to 2.99%.
The credit limit, APR and offer terms may vary with individual circumstances, subject to status.


Freedom Rewards card with purchase offer and balance transfer 

Every time you spend on your card you’ll earn Freedom points, which you can redeem for great rewards.

  • 0% interest on purchases for a year from the date you open your account
  • 0% interest for a year on balance transfers made within 60 days of opening your account (0.15% fee applies)

Representative example

Representative APR 21.9% APR (variable)
Purchase rate p.a. 21.9% p.a. (variable)
Assumed credit limit £1,200
Annual Fee No annual fee

You may be offered a different credit limit, representative APR, purchase rate or promotional Balance Transfer period to the one shown here because it depends on your individual circumstances.


Hilton HHonors™ Platinum Visa® 

Great for turning everyday spending into a world of Hilton experiences.

Representative example

Representative APR 18.9% APR (variable)
Purchase rate p.a. 18.9% p.a. (variable)
Assumed credit limit £1,200
Annual Fee No annual fee

You may be offered a different credit limit, representative APR, purchase rate or promotional Balance Transfer period to the one shown here because it depends on your individual circumstances.