The Best Credit Card Deals In The UK: January 2017

As the Brexit drama rumbles on and with the economic outlook for the UK questionable to say the least, UK Credit Card companies have turned up the heat with a large number of amazing offers to entice you. In this article we review the best Balance Transfer Credit Cards, 0% Purchase Credit Cards, Bad Credit, Credit Builder and Rewards Credit Cards in the UK this month.


Credit Card Tips 2

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Long Balance Transfer Credit Cards


MBNA 43 Month Balance Transfer Credit Cardmbna_logo_primary

The longest ever interest free period on balance transfers. A whopping 43 months with a 3.29% balance transfer fee. This Mastercard has an APR of 18.9% after 43 months and also offers £20 cashback if you transfer £1,000 to the card within the first 60 days. If you transfer a balance to the card after the first 60 days you’ll be charged a 5% fee and an APR of 20.9%


Barclaycard Platinum 42 Month Balance Transfer Credit Cardbarclaycard-logo

Only 1 month less than the MBNA card and a lower transfer fee, this Visa card from Barclaycard offers 42 months interest free on balance transfers with a 2.99% balance transfer fee (3.5% initially but 0.51% is refunded to you within 2 working days). This card has an APR of 18.9% after 42 months and also offers £20 cashback if you transfer £500 or more to the card. Transfers must be made within the first 60 days to qualify.


Sainsburys Bank 42 Month Balance Transfer Credit Cardsainsburys-bank

The joint 2nd longest interest free period on balance transfers. 42 months with a 3.5% balance transfer fee (4% initially but 0.5% is refunded to you). This card has an APR of 18.9% after 41 months and also offers a bonus of 3,000 nectar points if you transfer £1,000 in the first month.


Virgin 41 Month Balance Transfer Credit Card virgin money

Another long interest free period available from Virgin. 41 months and with a lower 3.09% balance transfer fee. This card has an APR of 20.9% after 41 months and also offers 0% for 3 months on all purchases.


Free Balance Transfer Credit Cards


Halifax 25 Month Balance Transfer Credit Card halifax

A great all rounder card and the best offering a 0% balance transfer fee. Only 25 months interest free but with a 0% balance transfer fee. This card has an APR of 18.9% after 25 months and also offers 0% for 6 months on all purchases.


Tesco Bank 24 Month Clubcard Credit Card tesco bank

A slightly shorter interest free period but this card comes with the added bonus of Tesco Clubcard points. This card has an APR of 18.9% after 24 months and allows you to transfer up to 95% of your credit limit.


Virgin 24 Month Balance Transfer Credit Card virgin money

This card offers 24 months interest free on balance transfers with a 0% fee. Note the free period is for 60 days with a 5% fee kicking in after this period. The card also offers 3 months at 0% on purchases making it a very good all round card. The representative APR is 19.9%.


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0% On Purchases Credit Cards


Sainsburys Nectar Purchase Credit Card sainsburys-bank

This card offers 0% interest rates on all purchases for 29 months with no annual fee. This card has an APR of 18.9% after the 29 month period and also offers 5,000 bonus Nectar points when you spend £250 in store in the first month. Additional Nectar points can be earned at Sainsburys and other stores.


Post Office Matched Credit Card 39

This card offers 0% interest rates on all purchases for 27 months with no annual fee. This card has an APR of 18.9% after the 27 month period and also offers 16 months at 0% on balance transfers with a 2.98% fee. You can also add 3 additional card holders without charge.


Virgin 27 Month Purchase Credit Card
logo-yorkshirebank

This card offers 0% interest rates on all purchases for 27 months with no annual fee. This card has an APR of 18.9% after the 27 month period and also offers 20 months interest free on balance transfers (1.99% fee) and 20 months interest free on money transfers (2.99% fee).


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Best “Bad Credit” Credit Cards


Chrome Credit Card chrome

Provided by Vanquis Bank, this card offers a credit limit of up to £1,000 with an interest rate of 24.7% APR. This card is designed to improve your credit rating, allowing you to build up your limit to £4,000 over time.


Tesco Bank Foundation Clubcard Credit Card tesco bank

This card offers 0% interest on purchases for 6 months from opening. Tesco offer a credit limit of up to £1,500 and an APR of 27.5%. A partnership with Noddle allows you free access to your credit score online and you earn Tesco Clubcard points on all purchases.


Aqua Reward Cashback Credit Card aqua-credit-card

This card offers a credit limit of up to £1,200 with a higher interest rate of 34.9% APR. This card is designed to improve your credit rating and a credit limit increase will be possible after 4 months. The Aqua card offers the added bonus of 0.5% cashback on all purchases and a £20 Amazon gift voucher. There are also no foreign transaction fee’s making this a good card for travel.


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Best “Credit Builder” Credit Cards


Tesco Bank Foundation Clubcard Credit Cardtesco bank

This card, already highlighted above does a very good job at helping you rebuild your credit score.  The card offers 0% interest on purchases for 6 months from opening with a credit limit of up to £1,500 and an APR of 27.5%. It is designed to allow you to make manageable repayments from £25 per month while email and text alerts, along with the partnership with Noddle gives you the chance to stay in control and rebuild your credit.


Capital One Classic Platinum Credit Cardcapital one

This card offers a credit limit of up to £1,500 and an interest rate of 29.8% APR. There will be 2 optional credit limit increases per year subject to your repayment history making this card an ideal way to start rebuilding your credit.


Barclaycard Initial Credit Card barclaycard-logo

This card offers a credit limit of up to £1,200 and an interest rate of 34.9% APR. There is a 3 month interest free period on all purchases, £40 cashback and the possibility to reduce your APR over time.


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Best Reward Credit Cards


british airwaysBritish Airways American Express Credit Card

This card has an APR of 22.9% and focuses on Avios reward points which allow you free travel with British Airways, FlyBe, Iberia. Points can also be used with Marriott Hotels and Avis. With this card you will receive 1 Avios point for every £1 spent as well as a bonus of 9,000 Avios points if you spend £1,000 within the first 3 months. A companion voucher will be issued if you spend more than £20,000 in 1 year which allows you to take someone on the same flight as you free of charge. Travel insurance and shopping protection are also included with this card.


Barclaycard Freedom Rewards Credit Card barclaycard-logo

This card has an APR of 21.9% and offers double Freedom Rewards Points on every £1 spent in UK supermarkets, petrol stations and Transport For London. Regular Freedom Points (£1=1 point) apply on all other purchases. In addition there is 1 year interest free on all purchase.


Natwest Rewards Cashback Credit Card natwest-logo

This card has an APR of 23.7% and offers 1% cashback on all spend in UK supermarkets plus 0.5% on spend in their petrol stations. 1% or above can be earned at participating retailers including New Look, The Body Shop and Cafe Nero. 0.5% cashback is offered on all other purchases in the UK and abroad.


 

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