18.9% APR Representative (variable)
Whatever sort of credit card you're looking for, from an interest free credit card to an adverse credit card we can help you find the best deal.
| Company | Package name | |
|---|---|---|
| Rebuild your credit rating - Get a credit limit from £100 up to £2500 Representative Example: 34.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 34.9% p.a. (variable). Capital One, Trent House, Station Street, Nottingham, NG2 3HX | ||
| 0% Balance Transfer and purchases - The Barclaycard Platinum with purchases card offers 0% for 14 months on balance transfers. (2.9% transfer fee) PLUS 0% for 14 months on purchases Representative Example: If you spend £1,200 at an annual interest rate of 18.9% (variable) your Representative APR will be 18.9% (variable). Barclaycard, 1 Churchill Place, London E14 5HP | ||
| 0% Balance Transfer - The Virgin Money Credit card offers 0% on balance transfers for 20 months. (2.99% fee) 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 £1200. Virgin Money, Discovery House, Whiting Road, Norwich, NR4 6EJ | ||
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Credit cards can have some of the highest rates of interest of any form of borrowing. For some people, the interest paid every month eats into their earnings. It’s important, therefore, to know how much interest you are paying on your credit card each month and, if possible, to switch to an interest free credit card instead.
There are plenty of deals which can help you borrow for longer without paying interest, you just need to know how to find the right one for you. Before signing up to any credit card or borrowing agreement, you must read the small print and know precisely what you are agreeing to.
There are two main types of interest free credit card: 0% on purchases credit cards and 0% balance transfer credit cards.
This type of credit card allows you to make purchases without paying interest for a certain period of time. This type of interest free credit card is useful if you want to make interest free purchases, as long as you know you can repay the balance before the promotion finishes.
0% balance transfer credit cards.
This option allows you move debt from one credit card to another, and to stop paying interest on that borrowing. This is good if you are focused on paying off the debt, and know you can do so within the allocated interest free period. It is important not to make any purchases on this type of interest free credit card. Purchases will not be interest free and may even incur particularly high interest.