cardcritics.com
APPLY FOR CREDIT CARDS
A credit card is a payment card issued to users (cardholders) as a method of payment. It allows the cardholder to pay for goods and services based on the holder’s promise to pay for them. The issuer of the card (usually a bank) creates a revolving account and grants a line of credit to the cardholder, from which the cardholder can borrow money for payment to a merchant or as a cash advance.
Everyone has a different financial situation, so there’s no “one size fits all” with credit cards. However, when trying to find the right card for you, it helps to take into account several factors.
For example:
Everyone has a different financial situation, so there’s no “one size fits all” with credit cards. However, when trying to find the right card for you, it helps to take into account several factors.
For example:
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- Do you have credit card debt and would like to make a balance transfer?
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- Do you want your credit card to give you rewards?
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- Are you going to be using your credit card abroad?
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- Will this be your first credit card?
- What is your credit history like?
Once you’ve established which type of credit card you want it’s time to narrow it down to the exact card you would like to apply for.
Comparing the features of each card is key.
Comparing the features of each card is key.
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- If you’re after a balance transfer card, for example, what is the length of the 0% period and how costly is the transfer fee?
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- If you’re searching for a rewards credit card, what perks does the card offer and how much do you have to spend to get them?
- And if you’re after a credit-building card, are you eligible to apply?
When you’re ready to start your application, click on the apply button and you’ll be taken to the providers application process.
You’ll need:
You’ll need:
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- Your current UK address details.
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- A contact phone number and email address.
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- Bank account details.
- Details of your annual income.
Here are some credit cards and their features.
| Product Name | Representative APR (variable) | Balance Transfers Intro | Purchases Intro |
Rewards |
| Halifax 40 Month Balance Transfer | 18.9% APR |
0% 40 mths 2.85% fee |
0% 6 mths |
No Rewards |
| 0% on balance transfers for 40 months from account opening (on balance transfers made within the first 90 days) Only available until 7th March 2016 (2.85% fee – achieved by a refund of 0.15%) Cover against online fraud with Halifax Secure APR & promotional offer length are dependent on your circumstances |
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| Tesco Bank Clubcard Credit Card for Balance | 18.9% APR |
0% 38 mths 2.70% fee |
0% 3 mths |
Clubcard |
| 0% on balance transfers for 38 months from account opening 2.7% balance transfer fee applies 0% for 3 months from account opening on purchases |
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| Barclaycard Platinum with Balance Transfer | 18.9% APR |
0% 37 mths 2.45% fee |
0% 6 mths |
Barclaycard Unwind |
| 0% on balance transfers for 37 months (2.45 % fee) 3.5% fee is applied, this is reduced to 2.45% by automatic refund (T&C’s Apply) 0% interest on new purchases for 6 months (from account opening) Pay for items up to £30 with payWave™ Contactless |
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| Tesco Bank Clubcard Credit Card with No Balance Trans | 18.9% APR |
0% 21 mths 0.00% fee |
n/a | Clubcard |
| Great for: Earn Clubcard points wherever you use your card, plus your usual points in Tesco. Terms apply Apply online and get a decision within 60 seconds But be aware that This offer is applied to any balances transferred within the first 90 days of opening your account You must not have applied for a Tesco Bank Credit Card in the last month or have an application currently in progress |
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| Asda Money | 18.9% APR |
0% 12 mths 2.90% fee |
n/a | Cashback & Asda Discounts |
| Earn unlimited cashback everywhere – 5% on selected Asda Money insurance products, 1% cashback on your Asda shopping & Asda fuel and 0.5% everywhere else 0% on balance transfers for 12 months 0% on purchases of £200 or more for 6 months at George.com Get a credit report for life |
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| Aqua Classic | 29.7% APR |
n/a | n/a | No Rewards |
| Aqua credit checker – £250 – £1,200 Credit limit Aqua accept people who have had CCJs or are on low income Aqua has said YES to over 750,000 customers in the UK |
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| Capital One Classic Platinum Mastercard | 29.8% APR |
n/a | n/a | No Rewards |
| Great for: People with bad credit or who are looking to improve their current rating – even if they have had problems with credit in the past. Credit limit from £200 to £1,500 Online response in 60 seconds But be aware that: You must have had credit in the UK before You must not have been declared Bankrupt in the last 12 months |
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| Ocean Credit Card | 34.9% APR |
n/a | n/a | No Rewards |
| Features a QuickCheck service that tells you before you apply if you will be accepted. This does not harm your credit score Credit Limits up to £1,500 One simple interest rate for all transactions Text alerts to help you stay in control |
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| Vanquis Visa | 39.9% APR |
n/a | n/a | No Rewards |
| You’ll start with an easy to manage credit limit up to £1,000, but you could get a credit limit increase after your 5th statement up to £3,500
Fraud monitoring |
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| NEO Credit Card | 39.9% APR |
n/a | n/a | No Rewards |
| Start with an easy to manage credit limit of between £150 and £1,000 and you could get a credit limit increase every 5 months up to £3,500 Pay bills straight from your NEO Account Good for applicants who want to build or rebuild their credit rating Never miss another payment with SMS alerts and reminders |
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