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
  • Receive £30 cashback after three months if you always make your minimum payments on time and stay within your credit limit. We'll also reduce your interest rate by up to 5% over two years*. Offer ends 5 October 2016 (terms and conditions apply)
  • 0% interest on purchases for three months from account opening 

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

Subject to application and status. The terms of your product may differ from the example.

37 month balance transfer Platinum card

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

  • 0% interest on balance transfers for 37 months
  • 1.5% balance transfer fee (terms apply)
  • Get £20 cashback when you transfer a balance of £500 or more. Offer ends 16 October 2016 ( T&Cs 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

Subject to application and status. The terms of your product may differ from the example.


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 on balance transfers for 32 months
  • 0.68% balance transfer fee (terms apply) 
  • Get £20 cashback when you transfer a balance of £500 or more. Offer ends 16 October 2016 ( T&Cs 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

Subject to application and status. The terms of your product may differ from the example.


No fee 23 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 on balance transfers for 23 months
  • 0% balance transfer fee (terms apply)
  • Get £20 cashback when you transfer a balance of £500 or more. Offer ends 16 October 2016 ( T&Cs 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

Subject to application and status. The terms of your product may differ from the example.


Our great all-rounder Platinum card

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

  • 0% for 25 months on purchases and balance transfers from account opening
  • 2.35% balance transfer fee (terms apply)
  • Get £20 cashback when you transfer a balance of £500 or more. Offer ends 16 October 2016 ( T&Cs 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

Subject to application and status. The terms of your product may differ from the example.


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 on balance transfers for 18 months
  • 2.99% balance transfer fee (terms apply)
  • Get £20 cashback when you transfer a balance of £500 or more. Offer ends 16 October 2016 ( 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

Subject to application and status. The terms of your product may differ from the example.


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, from account opening

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%.
Subject to application and status. The terms of your product may differ from the example.


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 account opening
  • 0% interest for a year on balance transfers made within 60 days of account opening (0.15% fee applies)
  • £20 worth of bonus Freedom points when you spend at least £500 or transfer a balance of £500 in your first 60 days from account opening. Offer ends 5 October 2016 ( T&C’s apply )

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

Subject to application and status. The terms of your product may differ from the example.


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

Subject to application and status. The terms of your product may differ from the example.