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Home > Finance > Credit Cards

Credit Cards in UK

Uk credit cards - compare and apply onlineYou may think that a credit card is for life – but with the level of hot competition among credit card providers these days it has never been easier for people switching credit cards to get a better deal than the one they currently have!  So, if your credit card provider is not offering you the best current market conditions, the time may have come for you to consider a switch.

Essentially there are two ways in which you can move your current credit card balance to a new card provider:

  1. you get an offer (usually in the post) to move your current balance to a new provider offering better terms and conditions than what you currently have;
  2. you make an application to a new provider and in your application you inform the new provider that you intend to move a balance over from your previous provider.

    Last Updated On : 04/02/2019
  • 0% Purchase Cards
  • Cashback Cards
  • Low Standard Rate Cards
  • 0% Balance Transfer
Best UK Credit Cards - cheapest credit cards
0% Balance Transfer Cards
Card BT Rate BT Period Typical APR  
Virgin Credit Card 0% 15 mths 16.6% apply online for a loan from Virgin Credit Card
Egg Card 0% Until 01/05/2010 16.9% apply online for a loan from Egg Card
MBNA Platinum 0% Until 01/04/2010 15.9% apply online for a loan from MBNA Platinum
0% Purchase Cards
Card Intro Rate Intro Duration Typical APR  
Halifax All In One 0% 9 mths 15.9% apply online for a loan from Halifax All In One
Bank of Scotland All In One 0% 9 mths 15.9% apply online for a loan from Bank of Scotland All In One
Virgin Credit Card 0% 6 mths 16.6% apply online for a loan from Virgin Credit Card
MBNA Platinum 0% Until 01/06/2009 15.9% apply online for a loan from MBNA Platinum
Egg Card 0% Until 01/06/2009 16.9% apply online for a loan from Egg Card
Cashback Cards
Card Cashback  
American Express Platinum Cashback 5% cashback for 3 months apply online for a loan from American Express Platinum Cashback
Best UK Credit Cards - cheapest credit cards
Cashback Cards
Card Cashback  
American Express Platinum Cashback 5% cashback for 3 months apply online for a loan from American Express Platinum Cashback
Best UK Credit Cards - cheapest credit cards
0% balance transfers have your money working for you

Best UK Credit Cards - cheapest credit cards
0% Balance Transfer Cards
Card BT Rate BT Period Typical APR  
Virgin Credit Card 0% 15 mths 16.6% apply online for a loan from Virgin Credit Card
Egg Card 0% Until 01/05/2010 16.9% apply online for a loan from Egg Card
MBNA Platinum 0% Until 01/04/2010 15.9% apply online for a loan from MBNA Platinum



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Either way, once your new card has been approved, you simply switch over the balance of the old card to the new card and then cancel the old card.  In fact it could not be made easier for you to move your balance as the new card application form will likely have a space for you to fill in your current details and your new card provider will then arrange for the balance to be transferred once your new card has been approved!

Keep in mind that card providers today like the idea of customers moving over existing balances that are earning them interest income and competition is fierce to get people to move over to their card, so make sure when your are considering switching your credit card provider that you get:

  1. a better APR deal than you currently have;
  2. a better rewards system than you currently have;
  3. if possible, no membership or annual fees.

 

Also, if you don’t want to, you don’t actually have to close an account just because you have moved the balance to a new card.  Consequently, if you have two credit cards and one of these credit card provider is offering a lower APR than the other, but the other is offering a better rewards system, you can keep both cards active and every now and then you can arrange to have the balance of your more expensive APR-charging card switched to your less expensive APR card.  That way you can enjoy the best of both worlds!


Remember to keep your PIN number a secret - never write it down or let anyone else know the number!

MONEY FACT! - UK credit cards can be used in over 850,000 ATMs throughout the world. However, there are also hidden charges to be aware of ...



 
Compare UK Credit Cards
With so many credit cards on the UK market, it makes sense to shop around! Discover the best credit card deals available online from one simple form ... Please choose one of the following options that suits you best:
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Uk credit cards



Standard Loans
Loan Typical APR
Alliance & Leicester Personal Loan

8.0%

apply online for a loan from Alliance & Leicester Personal Loan
AA Personal Loan

8.5%

apply online for a loan from AA Personal Loan



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