Credit Cards - Best UK Credit Card Deals - 0% Balance Transfers, 0% Spending, Cashbacks etc.

0% Balance Transfer Credit Cards

0% Balance Transfer Period	12 Months
0% Applied to Spending	12 Months
Cashback on Purchases	0.25%
Balance Transfer Charges	None
Purchases typical variable rate	12.9%
Minimum monthly repayment	2% of outstanding balance
Credit Limit Rating (1 - low, 10 - High)	7
Comments & Tips	Use for spending, also can balance transfer which carries a 2% balance transfer fee.

NatWest Platinum Card

0% Balance Transfer Period	9 Months
0% Applied to Spending	9 Months
Cashback on Purchases	N/A
Balance Transfer Charges	2% (max £49) - Outside first 3 months
Purchases typical variable rate	16.9%
Minimum monthly repayment	2% of outstanding balance
Credit Limit Rating (1 - low, 10 - High)	7
Comments & Tips	Use for balance transfers only or Spending. Give your target balance transfer card at account opening to avoid the fee. The card requires a salary of £25k+, Additional benefits are airmiles.

RBS Credit Card

0% Balance Transfer Period	9 Months
0% Applied to Spending	9 Months
Cashback on Purchases	N/A
Balance Transfer Charges	None if you hold a current accounts, else its 2%
Purchases typical variable rate	13.9%
Minimum monthly repayment	2.25% of outstanding balance
Credit Limit Rating (1 - low, 10 - High)	7
Comments & Tips	Use for balance transfers only. You can move the balances to your new card and pay no interest on them for the first nine months. This service is free to existing RBS current accountholders (Non current accountholders 2%. Min £5, Max £49)

Accucard Credit Card

0% Balance Transfer Period	6 Months
0% Applied to Spending	None - (50 days normal purchase interest free period )
Cashback on Purchases	0.5%
Balance Transfer Charges	None in the first six weeks after account opening
Purchases typical variable rate	13.9%
Minimum monthly repayment	2% of outstanding balance
Credit Limit Rating (1 - low, 10 - High)	5
Comments & Tips	Use for balance transfers only.

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Cashback Credit Cards

0% on Spending Credit Cards

Halifax One Credit Card

0% Balance Transfer Period	12 Months
0% Applied to Spending	12 Months
Cashback on Purchases	0.25%
Balance Transfer Charges	None
Purchases typical variable rate	12.9%
Minimum monthly repayment	2% of outstanding balance
Credit Limit Rating (1 - low, 10 - High)	7
Comments & Tips	Use for spending, also can balance transfer with a charge of 2% at anytime during the 0% period.

RBS Credit Card

0% Balance Transfer Period	9 Months
0% Applied to Spending	9 Months
Cashback on Purchases	N/A
Balance Transfer Charges	None if you hold a current accounts, else its 2%
Purchases typical variable rate	13.9%
Minimum monthly repayment	2.25% of outstanding balance
Credit Limit Rating (1 - low, 10 - High)	7
Comments & Tips	Use for balance transfers only. You can move the balances to your new card and pay no interest on them for the first nine months. This service is free to existing RBS current accountholders (Non current accountholders 2%. Min £5, Max £49)

Morgan Stanley Platinum Card

0% Balance Transfer Period	5.9% until 1st of Jan 2006 for the life of transfers
0% Applied to Spending	6 Months
Cashback on Purchases	1% on 1st £2000, 0.5% over £2k - 2% BONUS until 1st Jan 06
Balance Transfer Charges	None in the first six weeks after account opening
Purchases typical variable rate	17.9%
Minimum monthly repayment	2.5% of outstanding balance
Credit Limit Rating (1 - low, 10 - High)	6
Comments & Tips	This is an excellant card to use both for spending. Balance transfers for life at 5.9%, coupled with a high 1% cashback on the 1st £2k.

Lowest Standard Rate Credit Cards

Capital One No Hassel Platinum Master Card

0% Balance Transfer Period	None
0% Applied to Spending	(54 days normal purchase interest free period )
Cashback on Purchases	None
Balance Transfer Charges	N/A
Purchases typical variable rate	6.94%
Minimum monthly repayment	3% of outstanding balance
Credit Limit Rating (1 - low, 10 - High)	6
Comments & Tips	This card is ideal for those that are not interested in switching cards to get 0% offers on spending etc. But just want a permenantly low interest rate card. Warning - The rate for cashwithdrawls is 20%

Poor Credit History Credit Cards

Capital One Classic Card

0% Balance Transfer Period	None
0% Applied to Spending	(54 days normal purchase interest free period )
Cashback on Purchases	None
Balance Transfer Charges	N/A
Purchases typical variable rate	29.9%
Minimum monthly repayment	5% of outstanding balance
Credit Limit Rating (1 - low, 10 - High)	1 - Minimum £200 - max £2,500
Comments & Tips	Good for those with lack of credit history or bad history. Also they may request a security deposit of between £49 and £200 if they can only offer you the secured version. And the card is not available to bankrupts.

American Express Small Business Card

0% Balance Transfer Period	None
0% Applied to Spending	(39 days normal purchase interest free period )
Cashback on Purchases	None
Balance Transfer Charges	N/A
Purchases typical variable rate	Depends on applicant status
Minimum monthly repayment	3% of outstanding balance
Credit Limit Rating (1 - low, 10 - High)	6
Comments & Tips	An ideal card for small businesses, also provides discounts on everyday business purchases, , 2.73% charge on foreign exchange transactions.

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Weekly e-mail or text alerts warn you of potential fraudulent activity
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Nothing within this Website is, or shall be deemed to constitute, financial or other advice. Any and all information provided within the Website is for general information purposes only. We recommend that independent professional advice is obtained before you purchase any product and/or service.