Credit Cards UK - Compare and Apply Online for Best Credit Card Deals in UK
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Credit Cards in United Kingdom
The number of credit cards in UK continues to slide. As at 31st December 2011, there are 58,650,000 credit cards(49.39mn accounts) in UK, a decrease of 864,000 or 1.45% compares to 59,514,000 cards(50.08mn accounts) in the same period a year ago.
And the outstanding credit stood at €59.17 billions as at 31st December 2011, a decrease of 5.21% or €3.25 billions compares to €62.42 billions in the same period in 2010, showing that cardholders are
consistently paying off their card spending with 65.4% of the balances bearing interest.
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Here is a list of popular credit cards in UK. For more credit card offers, you can search by Categories, Banks/Issuers and Card Types from the menu on the left.
A flexible credit card with a choice of introductory offers
The Nationwide Credit Card could save you money whether you're looking to transfer a balance or make purchases. We're offering a choice of introductory offers so that you can choose the one which suits your needs.
Key features and benefits
Choice of introductory offers* - Choose from 0% on balance transfers for 17 months plus 0% on purchases for 3 months or 0% on purchases for 6 months.
Commission-free purchases abroad - we will reward you every time you use your card for purchases in pounds sterling with commission-free purchases abroad.
Fraud Protection Guarantee - including round the clock account monitoring and the latest card and system protective technologies.
No annual fee.
Representative 15.9% APR (variable)
Interest free period - Maximum 56 days for purchases if you pay your total balance on your statement, including any balance transfers, in full and by the due date.
UK call centres - With UK call centres it's easy to manage your credit card with us.
Manage account online - Manage your account when and where it suits you. Log on to check your balance, view statements and much more.
*Introductory rates apply from the date the account is opened. Balance transfers at 0% must be made within 3 months from account opening and are subject to a fee of 2.95% (minimum £5.00).
Representative Example:
Representative 15.9% APR (variable) based on an assumed Credit Limit of £1,200. Standard interest rate for purchases: 15.9% p.a. (variable)
Get a rocking 5% cashback on up to £2,000 of purchases in your first 3 months of Cardmembership
Double cashback (2.5%) for one month every year
An ongoing 1.25% cashback on virtually everything you buy
Representative 18.5% APR variable
Free Additional Cards to help you save even more
Up To 56 Days interest-free period for Purchases if you pay your balance in full and on time.
24/7/365 customer service
Purchase protection alleviates the worry of "what if" on your purchases in case of loss, theft or accidental damage
Refund Protection lets you buy with peace of mind, offering a refund of up to £200 on eligible purchases, if a UK retailer won't give you one
Online Fraud Guarantee lets you shop on the Web with confidence, by safeguarding against unauthorized online purchases made with your Card
Up To £150,000 in Travel Accident Insurance
Apply now and get a decision within 60 seconds.
Representative Example: Representative 18.5% APR variable. Based on £25 annual fee, assumed borrowing of £1,200, rate of interest 14.0% per annum (variable).
take back the control
With a welcome break from paying interest on your other cards with our balance transfer card.
0% interest on balance transfers for 22 months from account opening (2.9% handling fee applies)
0% interest on purchases for 3 months from account opening
With contactless payment technology, a new quick and easy way to pay for purchases of £15 or under
No annual fee.
Representative 17.9% APR (variable)
Up to 56 days interest free from the date of the transaction on new purchases if you pay your statement balance in full and on time each month.
Get into whatever you’re into – Barclaycard Unwind puts some of the best live music at your fingertips. You’ll have easy access to some of the hottest tickets as well as live sessions, news, reviews and more.
Identity Protection Service - advice about protecting yourself from identity theft
Safer shopping with Fraud Protection including Chip and PIN and monitoring your account for unusual spending
Purchase Delivery Protection - peace of mind against loss or damage to goods ordered and delivered from UK suppliers online, over the phone using your Barclaycard (second-hand goods and services excluded)
Worldwide Assistance - emergency help when travelling abroad
Travel Service - pay with your Barclaycard and you'll get great deals on thousands of destinations worldwide
Mybarclaycard - register and manage your account online, switch to paperless statements, set-up direct debits, track your spending and much more.
Emergency Card Replacement and Cash Advance - replacement card and cash advances if your Barclaycard goes missing
Free Text Alert Service - opt in for text alerts five days before your payment is due
24 hour Customer Service Assistance
Offer available for a limited time only. Apply now.
Representative Example:
Representative 17.9% APR (variable) based on an assumed Credit Limit of £1,200. Standard interest rate for purchases: 17.9% p.a. (variable)
Want a brillant deal on your balance transfers?
With no interest to pay for 22 months on balance transfers and 3 months on purchases, you really could make some great savings.
If you earn £20,000 or more a year switch your balance over to our longest EVER balance transfer offer and pay no interest for almost 2 Years.
0% for the first 22 months on balance transfers (3.5% fee applies)
A long introductory interest free period to help you manage your existing credit
0% for the first 3 months on all purchases
To help spread the cost of any new purchases
Representative Example: Based on borrowing £1,200 and repaying over 12 months the representative rate would be 17.9% APR (variable). The purchase rate is 17.95% pa (variable).
Halifax MasterCard offers including fantastic deals and discounts on travel, entertainment and shopping
No annual fee
No interest will be charged on purchases if every statement balance is paid in full by the payment date
Cover against online fraud when purchasing on the Internet
Accepted wherever you see the MasterCard sign in over 31 million locations worldwide
Card replacement if lost
Additional Cards available
Around the clock service
Manage your card online
Choice of 5 card colours - Black, Pink, Red, White and Blue
Unfortunately we can't accept your application if don't earn the £20,000 a year minimum.
However we have a generous 17 month balance transfer card you could apply for. It also has 3 months interest free on purchases and all the same great extra benefits.
Applying only takes a few minutes and you'll get an instant decision.
Please be aware to keep promotional rates you must pay at least the minimum payment by the due date and stay within your credit limit. Balance transfers can be made from most credit and some store cards, excluding other Halifax or Bank of Scotland products.
Representative Example:
Based on borrowing £1,200 and repaying over 12 months
the representative rate would be 17.9% APR(variable).
The purchase rate is 17.95% pa (variable).
When you take out a Virgin Credit Card, you get more than just a nice piece of plastic.
0% p.a. on Balance Transfers for 20 months*(Rate applies to transfers made in the first 60 days. Handling fee of 2.99% applies).
0% p.a. on Card Purchases for 3 months from the date your account is opened.
Voted best credit card for balance transfers. Moneyfacts Awards 2008 - Winner Best Credit Card Provider (Balance Transfer Rate).
No annual fee.
Representative 16.8% APR (variable)
Manage your account online or over the phone 24/7
Contactless payments - a quick & easy way to pay for purchases of £15 or less
Pay less interest on your balance
Awesome discounts like 5% off Virgin Holidays, discounted high street vouchers and more…
FREE Purchase Protection Insurance
FREE Travel Accident Insurance up to £100,000
Up to 50 interest-free days on card purchases if you pay your statement balance in full and on time every month
Representative Example:
16.8% p.a. (variable) on card purchases. This is equivalent to 16.8% APR representative (variable) based on a credit limit of £1,200.
* From the date your account is opened. Promotional rates will no longer apply from the beginning of any statement period during which you have breached your terms and conditions.
The Virgin Credit Card is promoted by Virgin Money Limited and issued by MBNA Europe Bank Limited, Registered Office: Stansfield House, Chester Business Park, Chester CH4 9QQ. Registered in England number 2783251. Credit is available, subject to status,
only to UK residents aged 18 or over. As the Virgin Credit Card is issued by MBNA you can't transfer a balance from another credit card issued by them. We will monitor or record some phone calls. MBNA is authorised and regulated by the Financial Services Authority.
A great deal if you're after the flexibility to transfer any amount up to your credit limit.
Switching your balance to the 20 Month Balance Transfer Card could help you save money, by giving you up to 20 months interest free on any amount you want to transfer, as long as it's an amount within your credit limit.
If you earn £20,000 or more a year you can apply for this great 20 month interest free deal and switch your balance to Halifax.
0% for up to 20 months on balance transfers (3% fee applies)
A long introductory interest free period to help you manage your existing credit
0% for the first 3 months on all purchases
To help spread the cost of any new purchases
The APR and length of the promotional offer are dependent on your personal circumstances.
Representative Example: Based on borrowing £1,200 and repaying over 12 months the representative rate would be 16.9% APR (variable). The purchase rate is 16.94% pa (variable).
Halifax MasterCard offers including fantastic deals and discounts on travel, entertainment and shopping
No annual fee
No interest will be charged on purchases if every statement balance is paid in full by the payment date
Cover against online fraud when purchasing on the Internet
Accepted wherever you see the MasterCard sign in over 31 million locations worldwide
Card replacement if lost
Additional Cards available
Around the clock service
Manage your card online
Choice of 5 card colours - Black, Pink, Red, White and Blue
Unfortunately we can't accept your application if don't earn the £20,000 a year minimum.
However we have a generous 17 month balance transfer card you could apply for. It also has 3 months interest free on purchases and all the same great extra benefits.
Please be aware to keep promotional rates you must pay at least the minimum payment by the due date and stay within your credit limit. Balance transfers can be made from most credit and some store cards, excluding other Halifax or Bank of Scotland products.
Applying only takes a few minutes and you'll get an instant decision.
Representative Example:
Based on borrowing £1,200 and repaying over 12 months
the representative rate would be 16.9% APR(variable).
The purchase rate is 16.94% pa (variable).
Our best ever credit card
Our Nationwide Select Credit Card comes bursting with benefits and is exclusively available to our main FlexAccount customers.
0% on purchases for 18 months*
0% on balance transfers for 17 months* (2.95% handling fee applies - £5.00 minimum)
Unlimited cashback - 0.5% on all sterling purchases**
No annual fee.
Unlimited commission-free purchases abroad
Low rate - 12.9% APR Representative (variable)
Are you eligible to apply for the Nationwide Select Credit Card?
To apply, you must hold a FlexAccount with a Visa debit card (not cash card+) and:
Have been paying in £750 (excluding internal transfers) a month for the last three months, or;
Complete an account transfer to us (from a non-Nationwide account) using our Account Transfer Service, or have done so in the last four months
For cashback, you must continue paying £750 or more into your FlexAccount each month (excluding internal transfers).
Don't have a FlexAccount?
Apply for FlexAccount and a Nationwide Select Credit Card at the same time.
Representative Example:
12.9% APR Representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 12.9% p.a. (variable)
*Introductory rates apply from the date the account is opened. Balance transfers at 0% must be made within 3 months from account opening and are subject to a fee of 2.95% (minimum £5.00).
** Sterling purchases only (balance transfers, cash advances and payment protection insurance premiums are excluded).
If you want a card that gives you a great introductory offer on both balance transfers and purchases then look no further. An amazing 15 months interest free on both balance transfers and purchases for the majority of our customers*
0% for up to 15 months on balance transfers* (3% fee applies)
A long introductory interest free period to help you manage your existing credit
0% for up to 15 months on purchases*
To help spread the cost of any new purchases
Representative Example: Based on borrowing £1,200 and repaying over 12 months the representative rate would be 17.9% APR (variable). The purchase rate is 17.95% pa (variable).
A handling fee of 3% applies for each balance transfer
No annual fee
No interest will be charged on purchases if every statement balance is paid in full by the payment date
Cover against online fraud when purchasing on the Internet
Accepted wherever you see the MasterCard sign in over 31 million locations worldwide
Card replacement if lost
Additional Cards available
Around the clock service
Manage your card online
Choice of 5 card colours - Black, Pink, Red, White and Blue
*The majority of customers will be offered our best rate of 17.9% APR representative (variable) and 0% for 15 months on balance transfers and purchases. Other customers will receive a 0% introductory offer of 13 or 11 months.
To benefit from the 0% rate you must stay within your credit limit and make your payments on time. Balances transferred from other Halifax or Bank of Scotland cards are not eligible for the 0% balance transfer offer.
Representative Example:
Based on borrowing £1,200 and repaying over 12 months
the representative rate would be 17.9% APR(variable).
The purchase rate is 17.95% pa (variable).
We will not charge interest on purchases if you pay your balance in full and on time each month
Manageable monthly payments
Flexible payment dates
A friendly 24-hour customer helpline
Representative 32.9% APR (variable)
Be free to enjoy the benefits
Over 150,000 people in the UK have already been helped by aqua and on top of the card features listed above, also enjoy all these great benefits:
Free additional cardholder
Access to optional insurance products such as credit card repayments cover and card care, designed to help you should your circumstances change
Security of chip & PIN technology whenever you use your card
An attractive MasterCard accepted in 24 million places and 600,000 cash points around the world
We can’t promise to say yes, but we can guarantee that we’ll try, even if you have been refused credit before or are:
self employed and find it difficult to prove a regular income
a homemaker
working part-time or on a low income
at a new address or not on the electoral roll
recently moved to the UK
affected by previous poor credit, including County Court Judgments (CCJs)
Representative example:
Your interest rate for purchases is 32.94% p.a
With a representative 32.9% APR
If you borrowed £1,200 and repaid it over 12 months
You could get a credit increase on your 4th statement*
Further increases possible every 4 months, up to £3,000*
Thousands of great discounts with Granite rewards
* to be considered for a credit limit increase, please keep all your credit agreements in order by paying on time, making use of your existing credit limit without going over the limit, and not taking on too much debt elsewhere. This is only a guide and meeting these criteria does not guarantee you a credit limit increase.
Benefits & Features
No annual fee
A credit limit assigned at a fixed amount to help you stay in control
Up to 56 days interest free on purchases
Free additional cardholder
Free fraud monitoring to warn you of any suspicious activity on your account
Chip & PIN technology for added security whenever you use your card
Our best ever 0% balance transfer offer
Transfer your existing balances and pay 0% for 20 months. Plus you could pay 0% on your purchases for 6 months from account opening.
0% on balance transfers for 20 months from account opening – if you switch your balances within three months of opening your account. 2.9% balance transfer fee - (minimum £5)
0% on purchases – for 6 months from account opening
Enjoy an interest free period on purchases - up to 56 days - if you pay your current and previous month's balance in full and on time
No annual fee
Manage your credit card online. Check your balance or make a payment from your computer.
Worry-free payments. A Direct Debit means you’ll always pay your bill on time. Settle the balance in full or make the minimum payment.
Credit limit increase. You can ask us to review your credit limit after you’ve had the card for six months.
Move funds to a bank account. You can transfer money from your Platinum Credit Card to any UK bank account. You simply pay your money transfer rate from the date of the transfer, and the minimum transfer is £250.
Cash advance. Your Platinum Credit Card gives you access to £750 each day, from cash machines around the world. The amount you can withdraw depends on your credit limit, and there’s a 3% handling fee - a minimum of £3.
Adding an additional cardholder for free allows you to share the benefits of your credit card with a spouse, partner or close friend
NatWest Wine Club. Look out for cardholder-only offers, as well as the occasional free gift.
NatWest Travel Service. Book holidays and work trips with a great choice of discounts, including air tickets and hotels.
Travel support. Turn to us for the lowdown on visas, passports, health and vaccinations before you travel. We can also forward documents or medical supplies while you’re travelling.
Medical support on your travels. Whether you become ill overseas or have an accident and need immediate treatment, we can arrange essential medical transport. Plus we can arrange for your dependent children to return to the UK.
1% off the APR for Advantage Gold customers – guaranteed on our standard credit card rate for at least 12 months
Representative Example:
Representative 17.9% APR (variable) based on an assumed Credit Limit of £1,200. Standard interest rate for purchases: 17.95% p.a. (variable)
Our best ever 0% balance transfer offer
Enjoy 0% interest for 20 months on your balance transfers. And pay 0% on purchases for 6 months from account opening.
0% balance transfers for 20 months(2.9% fee - min £5) - when you transfer your balances within three months of account opening
0% interest on purchases – for 6 months from account opening
No annual fee
Up to 56 days interest free on purchases if you pay your balance in full and on time, and have paid the previous month’s balance in full and on time
Daily cash advance. Use your Platinum Credit Card to get up to £750 each day (depending on your credit limit) from cash machines worldwide. Subject to a 3% handling fee with a minimum £3.00.
Money transfers by phone. Transfer money from your Platinum Credit Card to any UK bank account. The minimum is £250 - and you just pay your money transfer rate from the date of the transfer.
Flexible credit limits. Need a little bit of breathing space for your finances? After six months you can ask us to review your credit limit.
Add a cardholder for free. Would your spouse, partner or a close friend enjoy the benefits of your credit card?
Control your credit card online. Check your balance whenever it suits - and pay your balance from almost any computer - PC or Apple Mac.
Pay by Direct Debit. Why worry about late payments? You can settle the balance in full or make the minimum payment.
Extra Rewards - Special discounts, Travel benefits and Wine offers
Royalties - get more from your credit card. If you are a Royalties current account customer you are guaranteed a 1% discount on the APR for which you qualify for at least 12 months.
Representative Example:
Representative 17.9% APR (variable) based on an assumed Credit Limit of £1,200. Standard interest rate for purchases: 17.95% p.a. (variable)
If you love shopping online, the Click Card is designed for you
The credit card for people with a very good credit history
Exclusive access to great brand discounts with eXtras plus
With eXtras plus, we'll treat you to exclusive online discounts with leading fashion, travel and lifestyle brands.
Enhanced security
9.9% p.a. variable on purchases, balance transfers and cash withdrawals
No annual fee
Identity Theft Protection
Online account management with paperless statements
You can pay your bill online by accessing your account anytime, anywhere. You can also set up a monthly email alert to remind you when your payments are due.
Up to maximum 56 days interest free period for purchases where the balance is paid in full every month.
Free Purchase Protection Insurance
For peace of mind many of the things you buy are now covered against loss, damage or theft for 100 days after purchase with this free insurance.
Add up to 3 extra cardholders to your account
You can give your partner, a member of your family or even a close friend a credit card on your account. When you already have so many bank and card accounts to manage, this is a great way of keeping your finances in one place.
Apply now and get a response in 60 seconds
Representative example
Assuming a credit limit of £1,200 and an interest rate on purchases of 9.94% p.a. variable, you will receive a 9.9% APR representative variable.
Why choose the Click Card
Designed for people who want more rewards and enhanced security while doing what they love most - shopping online!
The Click Card gives you unlimited access to exclusive rewards with leading fashion, travel and lifestyle brands and provides enhanced security to keep your card protected. We'll also send you new and exciting discounts every three months.
Although it's designed for online shopping you can also use your Click Card on the High Street like any other credit card. Don't forget, Click Card has our lowest APR on purchases too.
0% on purchases and balance transfers for 13 months
Pay 0% interest on purchases for 13 months from account opening – and on balance transfers too. Thereafter the standard annual rate will be 17.9% p.a. (variable).
Get RBS YourPoints every time you spend and use them with great brands like easyJet, M&S, Boots and Amazon.
This offer is available exclusively to existing RBS current account customers and only available online
0% on purchases for 13 months from account opening
0% on balance transfers for 13 months (2.9% fee, min £5) on any balances you transfer within 3 months of opening your account
2,500 bonus RBS YourPoints that you can use towards flights, holidays and some great brands like M&S, Boots and Amazon.
No annual fee
Up to 56 days interest free on purchases if you pay your balance in full and on time, and have paid the previous month’s balance in full and on time
Need a little bit of breathing space for your finances? After six months you can ask us to review your credit limit.
Daily cash advance. Use your Classic Credit Card to get up to £300 each day (depending on your credit limit) from cash machines worldwide. Subject to a 3% handling fee with a minimum £3.00.
Money transfers by phone. Transfer money from your Classic Credit Card to any UK bank account. The minimum is £250 - and you just pay your money transfer rate from the date of the transfer.
Control your credit card online. Check your balance whenever it suits - and pay your balance from almost any computer - PC or Apple Mac.
Pay by Direct Debit. Why worry about late payments? You can settle the balance in full or make the minimum payment. However, we don’t recommend that you only ever make your minimum payment.
Add a cardholder for free. Would your spouse, partner or a close friend enjoy the benefits of your credit card?
Extra Rewards - Special discounts, Travel benefits and Wine offers
If you are a Royalties current account customer you are guaranteed a 1% initial discount on the APR for at least 12 months.
Representative Example:
Representative 17.9% APR (variable) based on an assumed Credit Limit of £1,200. Standard interest rate for purchases: 17.95% p.a. (variable).
0% on purchases and balance transfers for 13 months
Pay 0% interest on purchases for 13 months from account opening – and on balance transfers too. Thereafter the standard annual rate will be 17.9% p.a. (variable).
Get Natwest YourPoints every time you spend and use them with great brands like easyjet,M&S,Boots and Amazon.
This offer is available exclusively to existing NatWest current account customers and only available online
0% on purchases for 13 months from account opening
0% on balance transfers for 13 months (2.9% fee, min £5) on any balances you transfer within 3 months of opening your account
2,500 bonus NatWest YourPoints that you can use towards flights, holidays and some great brands like M&S, Boots and Amazon.
Interest-free period every month. If you pay your balance (and your previous month's balance) in full and on time each month you'll enjoy up to 56 days' interest free credit on all purchases.
No annual fee
Credit limit increase. You can ask us to review your credit limit after you’ve had the card for six months.
You can transfer money from your Classic Credit Card to any UK bank account. You simply pay your money transfer rate from the date of the transfer, and the minimum transfer is £250.
Make cash withdrawals using your card of up to £300 per day, from cash machines around the world, subject to a 3% handling fee with a minimum £3.00
Online access, 24 hours a day, 7 days a week through NatWest Online Banking
Enjoy special offers, and the occasional free gift, from the NatWest Wine Club
Take advantage of savings on holidays with a great choice of discounts, including air tickets and hotels to destinations all around the world with the NatWest Travel Service
Travel support. Turn to us for the lowdown on visas, passports, health and vaccinations before you travel. We can also forward documents or medical supplies while you’re travelling.
Medical support on your travels. Whether you become ill overseas or have an accident and need immediate treatment, we can arrange essential medical transport. Plus we can arrange for your dependent children to return to the UK.
If you're an Advantage Gold member you are guaranteed a 1% initial discount on the APR for at least 12 months.
Make your Classic Credit Card payments by Direct Debit, online, by phone or in branch. Pay off as much as you like as long as you make the minimum payment
Share the benefits of your credit card with a spouse, partner or close friend by adding an additional cardholder for free
Representative Example:
Representative 17.9% APR (variable) based on an assumed Credit Limit of £1,200. Standard interest rate for purchases: 17.95% p.a. (variable)
0% interest for 15 months on balances transferred within the first 90 days (3% fee applies).
0% interest on purchases for 3 months
Representative 17.9% APR (variable)
No annual fee
Up to 56 days interest free on Purchases if your full balance is paid off by the due date.
Add an additional cardholder, aged 18 or over.
Secure internet shopping with Lloyds TSB ClickSafe® - this makes internet shopping safer. You choose a personal password to ensure only you can use your card to shop online.
Safe online shopping with our internet shopping promise including internet fraud loss protection.
Managing your account online, by phone or at a local Lloyds TSB branch.
Active Account Monitoring – fraud specialists will alert you to any suspicious credit card transactions.
Overseas Emergency Assistance – call our overseas contact number if you lose your card abroad and we will issue a free replacement card.
Accepted in over 24 million places worldwide.
Chip and PIN security.
Representative Example:
Purchase Rate: 17.95% APR
Representative 17.9% APR(variable)
Based on borrowing of £1,200 over 12 months
* Minimum balance transfer is £100 and is subject to your credit limit. Balances must be transferred within 90 days of opening the account. 3% balance transfer fee applies and interest is charged on this fee. If you don't pay off your balance in full, any payments you make will pay off Transactions charging the highest rate of interest first, and so on down to the lowest rate of interest in the following order: Cash Withdrawals, Purchases, Balance Transfers, Cheques, followed by the default charges.
Let every day reward you
Two cards on one account gives you the flexibility to collect Avios as fast as possible. They combine great collection rates with worldwide acceptance. So keep them both with you when you shop.
0% interest for six months on balances transferred in the first 90 days† (3% fee applies). You'll also collect 1,500 bonus Avios for every whole £1,000 balance you transfer from a single provider.
Convenience of two cards - Lloyds TSB American Express® and Lloyds TSB MasterCard.
One account. One balance. One credit limit. One statement.
No annual fee.
Collect 1 Avios for every £1 you spend with the Lloyds TSB Duo Avios American Express® Card.
Collect 1 Avios per £5 you spend with the Lloyds TSB Duo Avios MasterCard®.
Collect in over 31 million MasterCard locations, and millions of American Express merchants on the high street and around the world.
Collect double Avios on your spent abroad.
Get even more Avios by using your Cards at any of over 200 online and high street partners, including Tesco stores and Shell petrol stations.
You can also use your Avios for discounts and exclusive offers on holiday's and cruises.
Use your miles for a wide range of travel, days out and leisure activities.
Competitive typical 15.9% APR variable.
Up to 56 days interest-free period on purchases (from the date of transaction) if you pay your balance in full and on time each month.
Representative Example:
Purchase Rate: 15.94% APR
Representative 15.9% APR(variable)
Based on borrowing of £1,200 over 12 months
7.9% interest on all balance transfers (no handling fee applies) and on all purchases
A reward programme like no other, with Barclaycard Freedom automatically earn while you shop at participating retailers.
With contactless payment technology, a new quick and easy way to pay for purchases of £15 or under
No annual fee
Representative 7.9% APR (variable)
Up to 56 days interest free from the date of the transaction on new purchases if you pay your statement balance in full and on time each month
Get into whatever you’re into – Barclaycard Unwind puts some of the best live music at your fingertips. You’ll have easy access to some of the hottest tickets as well as live sessions, news, reviews and more.
Identity Protection Service - advice about protecting yourself from identity theft
Safer shopping with Fraud Monitoring including Chip and PIN and monitoring your account for unusual spending
Purchase Delivery Protection peace of mind against loss or damage to goods ordered and delivered from UK suppliers online, over the phone using your Barclaycard (second-hand goods and services excluded)
Worldwide Assistance - emergency help when travelling abroad
Travel Service- pay with your Barclaycard and you'll get great deals on thousands of destinations worldwide
Mybarclaycard - register and manage your account online, switch to paperless statements, set-up direct debits, track your spending and much more.
Emergency Card Replacement and Cash Advance - replacement card and cash advances if your Barclaycard goes missing
Text alerts five days before payment is due (opt in required)
24 hour Customer Service Assistance
Representative Example:
Representative 7.9% APR (variable) based on an assumed Credit Limit of £1,200. Standard interest rate for purchases: 7.9% p.a. (variable)
Discover more than 1,000 extraordinary hotels and resorts in nearly 100 countries
Enjoy 20,000 bonus Starpoints® when you spend £1,000 on your Card in the first three months – that’s enough for five Free Night Awards at the Sheraton Miramar Resort El Gouna, Africa or two nights at the Westin Grand in Frankfurt. Offer ends 30 November 2011.
Earn 1 Starpoint for every full £1 spent, per transaction on your Card.
Auto enrolment in SPG Preferred Plus tier
Experience Gold Preferred Guest status when you spend £15,000 annually on your Card.
Receive a Free Weekend Night at any hotel or resort in categories 1-4 anywhere in the world when you spend £25,000 on the Card during each year of your Cardmembership.
Share the benefits with friends and family and you will earn additional Starpoints for their purchases with free Supplementary Cards.
Over 1,000 extraordinary hotels and resorts - Use Starpoints for complimentary night awards with no blackout dates at any of our nine distinct brands: St Regis, The Luxury Collection, W Hotels, Le Meridien, Weston, Sheraton, Aloft, Element, Four Points by Sheraton.
Complimentary flights - Redeem Starpoints for tickets on more than 350 airlines with no blackout dates with SPG Flights.
You can also transfer Starpoints to the frequent flyer programmes of over 30 major airlines, most on a 1 to 1 basis. Plus, you receive a 5,000 Starpoint bonus from the Starwood Preferred Guest programme when you transfer 20,000 Starpoints to a frequent flyer programme.
Purchase Protection Benefit - If eligible items you buy with the Card are damaged or stolen inside 90 days, they're replaced or the cost is refunded up to £2,500
Refund Protection Benefit - Should any UK retailer refuse you a refund on any eligible items within 90 days of purchase, you get back the purchase price up to £200
Online Fraud Guarantee - If something's stolen from your account or you see a charge you don't recognise, we'll remove it and investigate. You can shop online knowing you'll never be held responsible for any unauthorised online purchases
Travel Accident Benefit - Receive up to £150,000 in the event of accident when public transport travel tickets are charged to your Card
Representative Example: Representative 34.5% APR variable. Based on £75 annual fee, assumed borrowing of £1,200, rate of interest 19.9% per annum (variable).
Rewarding our shoppers
With a Sainsbury's Credit Card, Sainsbury's shoppers with a Nectar card† can enjoy 0% for the first 12 months on all shopping and balance transfers (3% BT fee applies).
0% for the first 12 months on all purchases
0% for the first 12 months on balance transfers (3% BT fee applies)
No annual fee
Representative example: Purchase rate is 16.94% p.a. variable, with a representative 16.9% APR variable based on borrowing £1,200 and repaying over 12 months.
*Must have swiped your Nectar card in store in the last 6 months. We may check your Nectar account to verify this.
To keep your promotional rate you must pay at least the minimum payment by the due date and stay within your credit limit.
Personal pricing
As we treat all our customers and their applications on an individual basis, the APR and the interest rates we offer are determined by the details you supply, along with an independent verification of credit and repayment history.
Love managing your money online?
No problem. When you apply, you'll be able to register for our secure online banking service. You can also view transactions, make payments and much more.
Total Card Transactions in Volume and Value
UK recorded 2,113 millions card transactions in 2011, an increase of 84 millions or 4.14% compares to 2,029 millions in 2010. The number of transactions can be further broken down as:-
2,078 millions purchases transaction, an increase of 85 millions or 4.26% compares to 1,993 millions in 2010
29.69 millions cash withdrawals transaction, a decrease of 0.97 millions or 3.16% compares to 30.66 millions in 2010
5.36 millions balance transfers transaction, an increase of 0.23 millions or 4.48% compares to 5.13 millions in 2010
The total card transactions for 2011 is €147.94 billions in value, an increase of €3.52 billions or 2.44% compares to €144.42 billions in 2010. The figure can be further broken down as:-
€132.9 billions purchases transaction, an increase of €3.55 billions or 2.74% compares to €129.35 billions in 2010
€3.95 billions cash withdrawals transaction, a decrease of €0.44 billions or 10.02% compares to €4.39 billions in 2010
€11.09 billions balance transfers transaction, an increase of €0.41 billions or 3.84% compares to €10.68 billions in 2010
Credit Cards Statistics 2009-2010 in United Kingdom
The number of credit cards in UK continues to slide. As at 31st December 2010, there are 59,514,000 credit cards in UK, a decrease of 2,477,000 or 4% compares to 61,991,000 in the same period a year ago.
And the outstanding credit stood at €62.42 billions as at 31st December 2010, a decrease of 3.18% or €2.05 billions compares to €64.47 billions in the same period in 2009. This is inline with cardholders
change of habit by using cards for payment rather than borrowing, with 30 per cent of spending incurring no interest and one-third of accounts carrying no balance.
Total Card Transactions in Volume and Value
UK recorded 2,029 millions card transactions in 2010, an increase of 24 millions or 1.2% compares to 2,005 millions in 2009. The number of transactions can be further broken down as:-
1,993 millions purchases transaction, an increase of 31 millions or 1.58% compares to 1,962 millions in 2009
30.66 millions cash withdrawals transaction, a decrease of 6.61 millions or 17.74% compares to 37.27 millions in 2009
5.13 millions balance transfers transaction, a decrease of 0.19 millions or 3.57% compares to 5.32 millions in 2009
The total card transactions for 2010 is €144.42 billions in value, an increase of €1.61 billions or 1.13% compares to €142.81 billions in 2009. The figure can be further broken down as:-
€129.35 billions purchases transaction, an increase of €3.34 billions or 2.65% compares to €126.01 billions in 2009
€4.39 billions cash withdrawals transaction, a decrease of €1.62 billions or 26.96% compares to €6.01 billions in 2009
€10.68 billions balance transfers transaction, a decrease of €0.11 billions or 1.02% compares to €10.79 billions in 2009
Note:
Data showing the split between Mastercard and Visa are no longer available, due to certain institutions moving existing credit card accounts from Visa or Mastercard to Amex branding.
Card Fraud in 2009-2010 United Kingdom
Card Fraud in UK continues stood at £365.4m in 2010(lowest level since 2000), a decrease of £74.6m or 16.95% compares to £440.0m in 2009. The card fraud has been rapidly reduced by 40.09%
in two years period, down from all-time high of £610m in 2008. 74.3% or £271.5m of card fraud is committed in UK(a decrease of £45.9m or 14.46% compares to £317.4m in 2009),
while £93.9m or 25.7% is committed abroad(a decrease of £28.7m or 23.41% compares to £122.6m in 2009). The £93.9m card fraud losses abroad has reduced significantly by £136.2m or 59.19%,
compares to £230.1m losses in 2008.
The £365.4m card fraud losses can be further broken down as:-
£226.9m for phone, internet and mail order fraud (Card-not-present fraud), a decrease of £39.5m or 14.83% compares to £266.4m 2009.
£47.6m for counterfeit (skimmed/cloned) fraud, a decrease of £33.3m or 41.16% compares to £80.9m 2009.
££44.4m for fraud on lost or stolen cards, a decrease of £3.3m or 6.92% compares to £47.7m 2009.
£38.1m for card ID theft, a decrease of £0.1m or 0.26% compares to £38.2m 2009.
£8.4m for mail non-receipt, an increase of £1.5m or 21.74% compares to £6.9m 2009.
Within the £365.4m card fraud losses, £67.4m is for UK retail face-to-face transactions(a decrease of £4.4m or 6.13% compares to £71.8m in 2009),
and £33.2m for UK cash machine fraud(a decrease of £3.5m or 9.54% compares to £36.7m in 2009).
The £271.5m of card fraud losses commited in UK can be further dissected regionally. More than half of the card fraud losses, 57.68% or £156.6m commited in the South East of UK,
a decrease of £11.2m or 6.67% compares to £167.8m in 2009. North West has the second highest card fraud with £23.5m losses, a decrease of £15.5m or 39.74% compares to £39.0m in 2009.
West Midlands came in third with £16.5m losses, followed by Yorks & Humberside with £15.4m losses and East Midlands with £13.6m losses. Wheeras North Ireland has the lowest card fraud
with £0.83m losses, followed by East Anglia with £5.4m losses, North East with £7.8m losses and Wales with £7.8m losses.
Credit Cards Statistics 2008-2009 in United Kingdom
The number of credit cards in UK continues to slide from 67,413,000 as at 31st December 2008 to 60,396,000 as at 31st December 2009. The decrease of 7,017,000 or 10.41% is expected due to financial crisis worldwide.
During the period, prudent approach is taken by credit card issuers for issuances of new credit card with some old accounts are being closed in the same time.
Nonetheless, UK still has the highest number of credit cards issued in Europe.
Of all the cards issued, 21,699,000 is for Visa Card(a significant decrease of 5,437,000 or 20.06% compares to 27,106,000 a year ago),
while 38,727,000 is for MasterCard(a decrease of 1,579,000 or 3.92% compares to 40,306,000 a year ago).
Outstanding credit stood at €64.47 billions as at 31st December 2009, a decrease of 2.73% or €1.81 billions compares to €66.28 billions in the same period in 2008.
Total Card Transactions in Volume and Value 2008-2009
UK recorded 1,952 millions card transactions in 2009, a decrease of 42 millions or 2.1% compares to 1,994 millions in 2008. The number of transactions can be further broken down as 1,911 millions(635mn Visa, 1,276mn MasterCard)
for purchases, 36.24 millions(14.3mn Visa, 21.94mn MasterCard) for cash withdrawals and 5.21 millions(1.82mn Visa, 3.39mn MasterCard) for balance transfers.
Out of these transactions, 651 millions or 33.35% is using Visa, a decrease of 113 millions or 14.79% compares to 764 millions in 2008; which is in tandem with the decrease in number of Visa card. Whereas 1,301 millions is using
MasterCard, an increase of 71 millions or 5.77% compares to 1,230 millions in 2008; which shows the decrease in the number of MasterCard does not impact its number of transactions. In conclusion, the MasterCard brand is the clear
winner over Visa brand in UK for 2009.
The total card transactions for 2009 is €139.52 billions in value, a decrease of €10.35 billions or 6.91% compares to €149.87 billions in 2008, which is inline with the decrease in number of credit cards issued.
The figure can be further broken down as €123.10 billions(€44.62bn Visa, €78.48bn MasterCard) for purchases, €5.82 billions(€2.4bn Visa, €3.42bn MasterCard) for cash withdrawals and €10.59 billions(€3.64bn Visa, €6.95bn MasterCard) for balance transfers.
Out of these transactions, €50.67 billions or 36.33% is using Visa, a decrease of €10.03 billions or 16.52% compares to €60.7 billions in 2008; which is in tandem with the decrease in number of Visa card. Whereas €88.85 billions is using
MasterCard, an decrease of €0.32 billions or 0.36% compares to €89.17 billions in 2008; which shows the decrease in the number of MasterCard does not have a big impact its total transactions value.
Credit Cards Statistics 2007-2008 in United Kingdom
As of 2008, UK has a population of 61.35 millions with a GDP(gross domestic product) of €1,816.09 billions. This translates into €29.60 thousands of GDP per capita.
UK contributes 14.51% of the EU total GDP, third behind Germany and France. There is a significant drop of 11.16% or €228.04 billions in GDP for UK compares to 2007.
As at 31st December 2008, there are 148,869,000 payment cards issued in UK(2.44 cards per capita), making UK the Europe leader in number of cards issued in the country per capita.
This is an increase of 4,204,000 payment cards issued or 2.91% compares to 144,665,000 in 2007.
There are 66,163,000 credit cards in UK as at 31st December 2008, a decrease of 1,148,000 or 1.71% compares to 67,311,000 in 2007. UK has the highest number of credit cards
issued in Europe followed by France(with 50% lesser cards).
In the same period, there are 4,095,000 cards with a credit and/or delayed debit function in UK, a significant increase of 727,000 or 21.59% compares to 3,368,000 in 2007.
Debit cards increase by 4,625,000 or 6.25% to 78,610,000 in 2008, compares to 73,985,000 in 2007. UK is the second highest country in Europe when it comes to debit cards issued, behind the leader
Germany.
Total Card Payments in Volume and Value 2007-2008
For 2008, UK recorded the highest card payment transactions in Europe with 7,595.00 millions transactions(124.45 transactions per capita), an increase of 395 millions or 5.49% compares to 7,200.00 millions in 2007.
Out of these transactions, 1,791.00 millions or 23.58% is paid by credit cards, a decrease of 15.00 millions or 0.83% compares to 1,806.00 millions in 2007; which is in tandem with the decrease in number of credit cards.
Whereas 179.00 millions is paid by cards with a credit and/or delayed debit function, an increase of 48.00 millions or 36.64% compares to 131.00 millions in 2007; which reflects the impact of 21.59% increase in number of cards.
The rest of card payment transactions(5,625.00 millions) are paid by debit cards, an increase of 362.00 millions or 6.88% compares to 5,263 millions in 2007. UK total card payment
transactions volume contributes 25.78% to the EU total number of transactions, which also happened to be the top contributor.
The total card payments for 2008 is €511.99 billions in value(€8.39 thousands per capita - second highest in Europe), although there is a decrease of €21.86 billions or 3.95% compares to €553.85 billions in 2007,
UK card payments value is still ranked top in Europe. This also translates into €67.4 per card payment transaction, decrease from €76.9 in 2007; which shown payment cards are used for increasingly smaller amounts.
Out of these transactions, €143.36 billions or 28.00% is paid by credit cards, a decrease of €22.32 billions or 13.47% compares to €165.68 billions in 2007 due to drop in number of credit cards. Whereas €26.09 billions
or 5.10% is paid by cards with a credit and/or delayed debit function, an increase of €4.20 billions or 19.19% compares to €21.89 billions in 2007; which is in tandem with the increase of cards with a credit and/or delayed
debit function. The rest of card payments, €342.53 billions in value is paid by debit cards, a decrease of €23.74 billions or 6.48% compares to €366.27 billions in 2007. UK total card payment value contributes 30.47% to the
EU total transactions value, the highest in Europe.
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