"It just takes a minute to complete and submit your Annual Card Credit Fee No UK application"
Why pay annual fee when you can get one for FREE?
Stop paying annual fee for your credit card and save hundreds, if not thousands on your credit card fees.
It is no reason to pay for annual fee unless you want a specialilise card such as frequent flyer credit card that help to pump up your points accumulation.
So make your selection wisely from the list of no annual fee credit cards in UK and get one that suit you and your lifestlye.
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Get your no annual fee credit card in the UK today and save money every year while enjoying the rewards!
WARNING : The card issuer may STOP card offers and promotions without notice. Grab the card of your choice while it last.
For detailed card information or to apply,
click on the link next to the card of your choice and a new window will be opened for you.
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).
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).
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.
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)
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.
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)
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)
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.
4.9% p.a. interest for 12 months on balances transferred within the first 90 days (3% fee).*
Special offer - 50% refund on your Balance Transfer Fee - apply and transfer £1500 or more before 30th June 2011.**
Representative 11.9% APR (variable), interest charged from the date of the transaction.
No annual fee
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: 11.95% APR
Representative 11.9% 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 and Cheques, followed by the default charges.
**Special Offer on Balance Transfer Fees
Apply for the credit card and transfer balances totalling £1,500 or more before 30 June 2011. We’ll charge our standard 3% fee for the balance transfer when you apply, and refund 50% of it within 30 days of your balance transfer going into your credit card account. Your refund will show on one of your next two statements as ‘50% balance transfer fee refund.’
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)
Get control over your finances with our low-limit, easy-to-manage credit card
Get hold of your finances
Great for people who want to build or rebuild their credit rating
No Annual Fee
Low, easy-to-manage credit limit from £200
Choose your own credit card design
Register for email alerts to help you stay in control
34.9% APR Representative variable
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.
Capital One eXtras
Get simple discounts on the things you want every day. Just choose what you need and start saving money straight away.
Apply now and get a response in 60 seconds
Representative example
Assuming a credit limit of £1,200, an interest rate on purchases of 19.94% p.a. variable, you will receive a 19.9% APR representative variable.
Purchase offer for current account customers
Looking for a great offer as a reward for being a current account customer?
Halifax Rewards - Online credit card exclusive
Wouldn’t it be great to have extra time without incurring interest on purchases? Well apply for our Credit Card and as a qualifying current account customer, that's exactly what we'll give you:
0% for the first 13 months on purchases - that's 2 months longer than our current online offer, meaning you'll have no interest to pay on your purchases for a whole year
0% for the first 13 months on balance transfers (with 3% fee) - so if you have balances on other credit or store cards, why not transfer them - you could save money
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 15.94% pa (variable).
No annual fee
No interest will be charged on purchases if every statement balance is paid in full by the payment date
Halifax MasterCard offers including fantastic deals and discounts on travel, entertainment and shopping
Cover against online fraud when purchasing on the Internet
Accepted wherever you see the MasterCard sign in over 24 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
To qualify for the current account offers you simply need one of the following:
A current account with us into which you pay £1,000 or more each month
Or an Ultimate Reward Current Account
To benefit from the 0% rate, you must stay within your credit limit and make your monthly 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).
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)
# 0% interest on balance transfers until July 2012 from account opening (2.5% handling fee applies)
10% cashback, up to £30, on all UK petrol spend made before 31st August (terms and conditions apply)
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 19.9% 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.
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
Representative Example:
Representative 19.9% APR (variable) based on an assumed Credit Limit of £1,200. Standard interest rate for purchases: 19.9% p.a. (variable)
Start with a low, manageable credit limit that we may later review and increase
Stay on top of your spending with free text reminders, five days before payment is due
Enjoy one single, simple rate for purchases and cash advances.
Go contactless – Make purchases of £15 and under in an instant wherever you see the contactless symbol
No annual fee.
Representative 29.9% 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.
Barclaycard Freedom - earn 1% of the value of your purchase in Reward Money (0.5% at Shell) in participating retailers.
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.
mybarclaycard - keep an eye on your spending, manage your account online
Shop safer with Chip and PIN protection and more
Get a response in minutes
Representative Example:
Representative 29.9% APR (variable) based on an assumed Credit Limit of £1,200. Standard interest rate for purchases: 29.9% p.a. (variable)
If you want a card that gives you a great introductory offer on both balance transfers and purchases then look no further. The All in One Credit Card offers a fantastic 0% for 12 months on purchases and on balances transferred within the first 90 days (3% balance transfer fee applies).
0% for 12 months on balance transfers made in the first 90 days
0% for the first 12 months on purchases with your Bank of Scotland All In One Credit Card.
Representative 17.9% APR 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 24 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
To benefit from the 0% rate you must stay within your credit limit and make your payments on time. Balances transferred from other Bank of Scotland or Halifax 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).
Want a great deal on your balance transfers?
Switch to the Bank of Scotland Plus Credit Card and you could save money with our 0% balance transfer offer. We’ll give you a generous 0% for the first 18 months on balance transfers (3% balance transfer fee applies). As well as all the savings you could make on your balance transfers, you can also spread the cost of your purchases - with 0% for the first 3 months.
0% for 18 months on balance transfers
0% for 3 months on purchases
Representative 16.9% APR 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
Halifax MasterCard offers including fantastic deals and discounts on travel, entertainment and shopping
Cover against online fraud when purchasing on the Internet
Accepted wherever you see the MasterCard sign in over 24 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
Take a few minutes to apply online for an instant decision (in most circumstances).
To benefit from the 0% rate, you must stay within your credit limit and make your monthly 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 16.9% APR(variable).
The purchase rate is 16.94% pa(variable).
Purchase offer for current account customers
Looking for a great offer as a reward for being a current account customer?
Bank of Scotland Exclusives - Online credit card exclusive
Wouldn’t it be great to have extra time without incurring interest on purchases? Well apply for our Credit Card and as a qualifying current account customer, that's exactly what we'll give you:
0% for the first 13 months on purchases - that's 2 months longer than our current online offer, meaning you'll have no interest to pay on your purchases for a whole year
0% for the first 13 months on balance transfers (with 3% fee) - so if you have balances on other credit or store cards, why not transfer them - you could save money
Representative 17.9% APR variable
No annual fee
No interest will be charged on purchases if every statement balance is paid in full by the payment date
Halifax MasterCard offers including fantastic deals and discounts on travel, entertainment and shopping
Cover against online fraud when purchasing on the Internet
Accepted wherever you see the MasterCard sign in over 24 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
To qualify for the current account offers you simply need one of the following:
A current account with us into which you pay £1,000 or more each month
Or an Ultimate Reward Current Account
To benefit from the 0% rate, you must stay within your credit limit and make your monthly 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).
9,000 bonus Avios when you spent £1,000 in your first 3 months of cardmembership.
No Annual Fee
Collect 1 Avios for virtually every £1 you spend.
Automatic enrolement into the British Airways Executive Club - priority on flight waiting lists, your seat and meal choices on flights and the chance to earn more Avios
Representative 19.9% APR variable
Redeem your Avios on a British Airways flight.
Spent £20,000 on your Card in one year, we’ll give you another ticket for a companion, for the same flight and cabin.
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.
1 Flying Club mile for every £1 spent on card purchases using your card.**
2 Flying Club miles for every £1 spent on your card direct with Virgin Atlantic or Virgin Holidays.**
3,000 bonus Flying Club miles upon first spend.***
0% p.a. - a cracking introductory rate on balances transferred to us from other cards - for six months from the date your account is opened. 2% handling fee applies.
Typical rate 17.9% APR (variable).
No annual fee - this card won't cost you a penny extra to carry.
A complimentary companion reward flight - spend £15,000 or more a year on card purchases using your Virgin Atlantic White Card and you'll qualify for one complimentary round trip companion reward flight the next time you book a qualifying flight with Virgin Atlantic.†
Premium Economy reward upgrade - spend £10,000 or more a year on your Virgin Atlantic White Card and you'll qualify for a complimentary round trip Premium Economy reward upgrade the next time you use your miles to book a qualifying reward flight in Economy, plus, spend another £10,000 in the same year and get another one.††
Additional Cardmembers - you can link up to three free other cards to your main account giving you multiplied miles as others spend.
Free Travel Accident Insurance up to £250,000* - pay for your travel tickets in full using your Virgin Atlantic Credit Card and you'll automatically be covered if you have an accident during your journey. If your spouse or children are travelling with you, they're covered too.
Free Travel Inconvenience Insurance* - up to £750 for delayed or cancelled flights, up to £500 for luggage delays.
Free Lost Luggage Insurance* - up to £1,500 (max £500 per item).
Free 24 hour telephone helpline - 365 days a year whether you're calling from home or abroad.
Up to 46 days interest free on card purchases - if you always pay off your statement balance in full and on the dot each month you won't pay a penny interest.
Cash advances - from 'holes in the wall' in most countries throughout the world.
Truly global spending power - You can withdraw cash from all LINK cash machines including Halifax, Lloyds TSB, Barclays, HSBC and Bank of Scotland. For up to date information or advice on using your credit card worldwide or to withdraw cash, please call our Customer Satisfaction Helpline, available 24 hours a day on freephone 0800 056 7686.
Online fraud protection - There is no liability or excess to pay for theft, loss or fraudulent Internet use of your card as long as you tell us as soon as your card cannot be found or you notice any unusual transactions on your account.
Extra benefits - Together with Virgin Money, the Virgin Atlantic Credit Card has been designed to help you make the most of Flying Club, Virgin Atlantic's loyalty programme.
Vanquis considers every application on its own merits, so we encourage you to apply even if you have had credit problems in the past.
Available to people who have had CCJs (now cleared) or credit problems in the past with poor credit history
No annual fee
Representative 39.9% APR (variable)
A sensible credit limit to help you stay in control. Initial credit limits range from £150 and £1,000.
You could get a credit limit increase on your 4th statement and further increases every 4 months, up to £3,000. Conditions apply see below*
Up to 56 days interest free on purchases, where you have paid off two or more consecutive current statement balances in full and on time.
Free additional cardholder
Free fraud monitoring - we'll warn you of any suspicious activity on your account
Chip & PIN technology for added security whenever you use your card
Visa is widely accepted in the UK and abroad
Convenient shopping online, over the phone and across the world
A friendly UK call centre to give you the support you need
A simple application process. Apply online for a response in 1 minute!
Representative example
Purchase annual interest rate 39.94% (variable)
Amount of credit £1000
Representative 39.9% APR (variable).
Now you can choose a credit card colour that suits you. Decide between our Blueberry, Lime or Cherry designs when you apply and add a splash of personality to your wallet.
* 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 overlimit, 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.
Safe and secure online application with SSL encryption technology.
All card applications are strictly confidential.