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0% Balance Transfers

 		0% on Balance Transfers Credit Cards

0% Purchases

 		0% on Purchases Credit Cards

Reward Cards

 		Reward Credit Cards

Air Miles Cards

 		Airmiles Credit Cards

Cash Back Cards

 		Cashback Credit Cards

Adverse Credit

Credit Cards for People With Adverse Credit

Gold Credit Cards

CompanyPackage Name% Typical APRBalance TransferBalance Transfer NotesIntroductory Purchases Rate & PeriodReward Notes 
NatWest Gold

15.9%

0% for 13 months0% for 6 monthsTake advantage of the Natwest Travel Club and Wine Club.
RBS Gold

15.9%

0% for 13 months2.9% transfer fee0% for 6 monthsOnline retail discounts

What are Gold Credit Cards?

Gold credit cards are reserved for relatively high earners with blemish free credit histories, and offer high credit balances as a result. The typical criterion to be met by a successful gold card applicant is:

  • You must be 25 or over
  • You must earn £25,000+
  • You must have an excellent credit history

What are the Benefits of a Gold Credit Card?

Gold credit cards often offer both 0% on purchases and 0% on balance transfer introductory deals. Other benefits can include such diversities as free travel accident insurance policies and extended warranties.

What else should I know about Gold Credit Cards?


  • Beware of cards that offer 0% on purchases deals in conjunction with 0% balance transfer deals. The point of transferring the balance is consolidation, not to facilitate more spending.
  • Interest on cash withdrawals is high, sometimes up to 25%.
  • Prestige credit cards are exclusive, and if you don’t meet the specified criteria then the likelihood of having your application for a gold card accepted is minimal.

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