lloyds tsb online credit card application, and easy to fill in online application for a credit card credit card application online online appplication visa credit card online business credit card application canadian credit card online application free online credit card application instant online credit card application uk approval student for canada online master card for bad credit unsecured bank bad PERSONAL LOANS MAIN INDEX Tools
COMPARISON CHART ONLINE CALCULATOR WHICH CREDIT CARD IS BEST? UK Issued Credit Cards *CITI - 0% *our number one card
ACCUCARD 0% cashback
BARCLAYCARD
CAHOOT
CAPITAL ONE CLASSIC
(bad credit)
CAPITAL ONE 0%
CREATE CARD 0%
EASYMONEY 0%
EGG 0%
GOLDFISH *popular
HILTON HHONORS 0%
MARBLES 0%
MORE TH>N 0%
MORGAN STANLEY
TEXACO
VIRGIN - 0%
HSBC Credit card
EGG
MINT
HALIFAX
NORTHERN ROCK
ABBEY Abbey Blue
SMILE
SMILE GOLD
SAINSBURYS BANK
Bank of Scotland
Bank of Ireland
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UNDERSTANDING APR
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GLOSSARY OF TERMS
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MASTERCARD
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Credit Reference Agencies
UK.EXPERIAN.COM
EQUIFAX.CO.UK
These are the leading credit reference agencies. By visiting these sites you can learn what type of information is held about you and you can also obtain your own credit report. This is very worthwhile to ensure that information being held about you is accurate. You can also learn more about credit scoring and the the information used. It can cost just a few pounds for a complete credit report.
RESOURCE DIRECTORY
ONLINE CREDIT CARDS DIRECTORY
PICK A CARD, ANY CARD!
All credit cards on this website are issued in the UK, have full online services, management and application. You will also need to be resident in the United Kingdom to apply online.
POINTS TO CONSIDER:
Balance transfers may be as low as 0% APR rate but most likely for a limited period only. Amounts repaid to reduce your outstanding balance will often be used to reduce your balance transfer before being applied to purchases. This means if the long term purchase rate is high and you make a lot of purchases then you will have received no or little benefit from the headline introductory offer.
If you will only pay a small amount off each month you will gain most from low long term interest rates. However if you pay your monthly balance in full you will receive more benefit from things like cash back and other point type benefits. If your eye is caught by 0% balance offers check if that applies to purchases as well. Its also important to understand APR and how to compare real long term standard rates for true low APR.
The future is chip and pin. What exactly is it? more>>>
UK CREDIT CARDS REVIEWED ON THIS WEBSITE:
ACCUCARD
Accucard was the original UK create it credit card and in fact is the business name of create services who are responsible for many of the user configurable cards.. This is where the user has the ability to change various options on their credit card to suit the way they use it. For example, if you pay your balance off monthly, then by choosing a higher APR (which you wont pay because there will be no outstanding balance) you can get higher cash back rewards. Key features are 0% balance transfers, cash back rewards and a low long term interest rate on average of 12.9% APR typical.
LONG TERM RATE: 12.9% TYPICAL
BALANCE TRANSFERS: 0% 6 months
EXTRAS: CASH BACK Accucard credit card: information
apply online now MASTERCARD
BARCLAYCARD
Barclaycard, possibly the best known of the credit card brands, have a range of four credit cards online. Platinum, Classic, Student and Premiership. With Barclaycard you can earn Nectar points on your purchases.
0% BALANCE TRANSFERS TILL 1ST SEPTEMBER 2005
0% APR PURCHASES 1ST 3 MONTHS
15.2% APR TYPICAL RATE Barclaycard credit cards: information
online application now
VISA
CAHOOT
Cahoot is part of the Abbey National Group offering online services including credit cards, loans and banking. All services have full online management and 24 customer care service. Cahoot credit card is tailored very much to your credit rating and the limit you want to apply for meaning rates will vary according to your personal circumstances. As is usual with any online credit card making balance transfers can be easily setup. Balance transfers are charged at the same rate as purchases. Main selling point of Cahoot is the typical standard long term rate which is one of the best on the market. Cahoot are an online only company and cannot be found on the high street. There are no standard cashback offers but they do have different selected cash back offers that change over time.
PURCHASES: 9.8% TYPICAL
BALANCE TRANSFERS: 9.8% TYPICAL
Cahoot credit card: information
apply online now
VISA
CAPITAL ONE
Capital One offer two cards, a Platinum and a Classic version. If you would like to apply for the Capital One Platinum then you must be aged 21 or over, receiving an income of £10,000 or more per annum and be resident in the UK. Headline deal is 0% interest for 6 months on purchases. The Classic is aimed at those wit a poor credit history or those looking to start to build a credit record. A themed version of each of the platinum and classic configurations are also available.
Capital One Platinum MasterCard Capital One Premier MasterCard Capital One Classic Capital One themes
LONG TERM RATE: 13.21%
PURCHASES: 0.0% 1st 6 months
BALANCE TRANSFERS: 3.9% 1st 6 months LONG TERM RATE: 18.14%
PURCHASES: 0.0% 1st 6 months
BALANCE TRANSFERS: 6.9% 1st 6 months THIS CARD IS DESIGNED FOR THOSE LOOKING TO REBUILD A GOOD CREDIT HISTORY AFTER PAST PROBLEMS
LONG TERM RATE: 29.9% THESE CARDS COME EITHER AS A PLATINUM MASTERCARD OR CLASSIC CONFIGURATION
more information
apply online now more information
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MOST POPULAR CREDIT CARD ON THIS SITE:
CITI
Established in 1812 the CITI group is the largest financial services company in the world today. Operating in more than 100 countries with over 200 million clients and with a workforce exceeding 300,000. CITI have two cards on offer, the Platinum and the Classic Plus. Headline deal is 0% on both balance transfers and purchases for 6 months. The Platinum card has additional benefits.
LONG TERM RATE: 13.9% APR VARIABLE
BALANCE TRANSFERS: 0% 6 months CITI credit card: information
Platinum- apply online now
Classic - apply online now VISA
CREATE CARD
Create Card
is brought to the market by Lloyds TSB who are responsible for several of the do-it-yourself cards currently on the market, the original being Accucard. The main idea of the cards being that they are configured to how you actually use your credit card and can reconfigured as your habits change. You get the choice to change the amount of cashback, interest rate and/or annual fee to suit. Cashback is only earned on purchases, any amounts owing are paid on the 12th
statement.
LONG TERM RATE: 12.9% TYPICAL, 9.8% WITH £30 ANNUAL FEE RATEBUSTER
BALANCE TRANSFERS: 0% 6 months
EXTRAS: CASH BACK Create Card: information
online application now MASTERCARD
EASYMONEY.COM
Easymoney.com credit card is another of the UK DIY type cards where you configure various combinations to produce a card suited to your needs. So if you pay balances in full each month you might set a higher interest rate to obtain higher cashback rewards or if your circumstances change you can lower the interest rate and increase the annual fee to make use of lower interest rates.
LONG TERM RATE: 12.9% TYPICAL
BALANCE TRANSFERS: 0% 6 months
EXTRAS: CASH BACK EasyMoney credit card: information
apply online now MASTERCARD
EGG
Egg now offer 0% for up to 9 months for balance transfers. Another new feature is the ability to see balances for all your bank accounts and credit cards with other brands from one interface with the Egg Money Manager. One click takes you straight to your other banks' secure website and all done with the single Egg login. It's secure, nobody, not even Egg will see your other banks' passwords, plus you're covered by the Egg Guarantee. This service is Free to Egg customers.
LONG TERM RATE: 13.9% APR VARIABLE
BALANCE TRANSFERS: 0% until 1st May 2005
PURCHASES: 0% until 1st March 2005
EXTRAS: up to 1-% AT SELECTED ONLINE STORES, ANNIVERSARY OFFER TILL 2006 Egg credit card: information
apply online now VISA
GOLDFISH - new on site and very popular
The Goldfish credit card was first launched in 1996 and today have over 1 million card holders. One of the cards main benefits is the Goldfish points you can earn when selecting this option. You can redeem the points you've earned towards vouchers for shopping at a variety of stores including John Lewis, Marks and Spencer, Boots, Dixons, Debenhams, Homebase and WH Smith.
LONG TERM RATE: 17.9% APR TYPICAL
BALANCE TRANSFERS: 4.9% FOR FIRST 6 MONTHS
EXTRAS: GOLDFISH POINTS Goldfish credit card: information
online application now VISA &
MASTERCARD
HILTON HHONORS
With the Hilton HHonors® Platinum Credit Card, you'll earn HHonors bonus points every time you pay with your Card, which can be redeemed for travel rewards at Hilton HHonors hotels anywhere in the world. The cards are issued by HFC Bank LTD. This card offers 0% for 6 months on balance transfers.
LONG TERM RATE: 15.9% APR TYPICAL
BALANCE TRANSFERS: 0% FOR FIRST 6 MONTHS
EXTRAS: REWARD POINTS WITH THE HILTON GROUP Hilton Hhonors credit card: information
online application now MASTERCARD
MARBLES
Marbles are one of the more well known and established credit cards in the UK today. In line with most of the market leaders they offer 0.0% interest APR on purchases and balance transfers for the first 6 months you own the card. The rate then rises to 14.9% APR (variable). Designed for use online you can view your account at any time simply by securely logging on with your password 24 hours a day. This will enable you to make your monthly payment, Shift balances over from your other cards, Communicate with marbles customer services and more besides. Marbles has its own range of shopping partners from who you will be able to obtain exclusive offers for Marbles credit card holders.
LONG TERM RATE: 14.9% APR VARIABLE
BALANCE TRANSFERS: 0% 1ST 6 MONTHS Marbles credit card: information
online application now MASTERCARD
MORE TH>N
MORE THAN Credit Card is run in association with Accucard and issued by Lloyds TSB Bank plc. Like most of the CREATE type credit cards, the More Than card is configured by the user. How you can choose to set the card up will depend on the way you typically use your credit card. If you tend to leave large balances then you will configure the card for a lower interest rate, on the other hand if you pay off all balances monthly you can increase the interest rate and take advantage of increased cashback.
LONG TERM RATE: FROM 9.8%. 13.9%APR TYPICAL
BALANCE TRANSFERS: 0% 1ST 5 months
EXTRAS: CASH BACK More Than credit card: information
apply online now MASTERCARD
MORGAN STANLEY
Morgan Stanley is a world wide financial company, employing over 57,000 people in 28 countries. They provide two credit cards for the UK consumer, Gold and Platinum. Key deal is the 0% APR for 6 months on balance transfers.
LONG TERM RATE: 14.9%-16.9% TYPICAL LONG TERM RATE
BALANCE TRANSFERS: 0% 1st 6 months
PURCHASES: 0% 1st 6 months
EXTRAS: CASH BACK WITH PLATINUM, travel reward points with buy and fly card Morgan Stanley credit card: information
online application now MASTERCARD
TEXACO
The Texaco credit cards are brought to the market in association with Accucard. The specific benefit that the Texaco card offers is double cashback on purchases made at Texaco service stations including petrol purchases. Being an Accucard associated card means you can configure your plastic to suit your individual needs and circumstances. Texaco also offers other benefits through its Global WE.O.U rewards program. With points awarded for purchases which are then redeemable.
LONG TERM RATE: from 9.9%, Typical APR 14.9%
BALANCE TRANSFERS: 3.9% FOR LIFE OF BALANCE TRANSFER, 1st 6 weeks
EXTRAS: DOUBLE CASHBACK AT TEXACO SERVICE STATIONS Texaco credit card: information
apply online now MASTERCARD
VIRGIN
The Virgin Credit Card is issued by MBNA Europe Bank Limited. Virgin must be one of the best known brands in the UK today. Now Virgin have branched into the credit card market. With an innovative product Virgin have come up with a very competitive credit card. A version of the create-a-card type that is very popular at the moment. There are several ways to configure a setup depending on how you use your card and if you want to take advantage of their Virgin reward points. By choosing a rewards version you get access to their exclusive members shop.
LONG TERM RATE: 10.9%-13.9% TYPICAL
BALANCE TRANSFERS: 0% 1st 9 months (depending on configuration)
EXTRAS: VIRGIN REWARD POINTS Virgin credit card: information
apply online now MASTERCARD
easyMoney Mastercard easy Money Mastercard Citi Classic Plus Visa Card Citi Platinum Visa Card &more credit Card &more marks and spencer Capital One Platinum MasterCard Capital One Credit card application Blue from American Express Morgan Stanley buy and fly! MasterCard HSBC MINTHalifax 5.9% Flat Rate 5.90% 0 days Caution - mouse-over to read
MBNA Platinum Plus Flat Rate
6.90% 59 days Welcome to one simple rate - no exceptions
Capital One No Hassle Platinum
6.90% 54 days Low rates that stay low. Just 6.9% p.a. on purch and bal tfrs
Co-operative Bank Flat Rate Platinum
8.90% 46 days A credit card from a bank with a clear ethical policy
Co-operative Bank Platinum Base Rate Tracker
9.10% 46 days A credit card from a bank with a clear ethical policy
Northern Rock 9.10% 59 days ---
Co-operative Bank Flat Rate Gold
9.90% 46 days A credit card from a bank with a clear ethical policy
HSBC online 9.90% 56 days ---
Smile 11.80% Cashback 46 days ---
Smile Gold 11.80% Cashback 46 days ---
Cahoot 12.00% 46 days ---
Capital One Platinum
12.90% 54 days Moneysupermarket Exclusive
Win a fabulous trip to Australia by using your Capital One Mastercard
MINT mc2 12.90% Cashback 59 days ---
MINT Classic 12.90% Cashback 59 days ---
MINT Gold 12.90% Cashback 59 days ---
MINT Platinum 12.90% Cashback 59 days ---
Nationwide BS Classic 13.90% 56 days ---
Accucard 13.90% Cashback 51 days ---
Lloyds TSB Platinum 13.90% 56 days ---
More Th>n 13.90% Cashback 51 days ---
Create from Lloyds TSB 13.90% Cashback 56 days ---
EasyMoney 13.90% 51 days ---
Sainsbury's Bank Advantage 13.90% 56 days ---
Bank of Scotland Little Black Card 13.90% 0 days ---
Scottish Widows 13.90% Cashback 56 days ---
Partnership Card 14.00% Loyalty 56 days ---
Co-op Travel
14.90% Loyalty 59 days 0% on purch & bal tfrs fixed for 7 months
Texaco 14.90% Cashback 51 days ---
Co-operative Bank Advantage Platinum
14.90% 59 days A credit card from a bank with a clear ethical policy
American Express Blue
14.90% Cashback 56 days 2% MoneyBack & 12.9% APR on bal tfrs after initial 6 month offer
Egg
14.90% Cashback 45 days Financial Hangover? Sort it with 0% interest
Bank of Ireland Gold Moneyback 14.90% Cashback 51 days ---
Bank of Ireland Moneyback 14.90% Cashback 51 days ---
First Direct Gold Card 14.90% 56 days ---
Goldfish 14.90% 56 days ---
National Irish Bank 14.90% 56 days ---
SAGA 14.90% 56 days ---
The GM Platinum Card 14.90% Loyalty 56 days ---
Abbey Blue
15.90% 59 days Moneysupermarket Exclusive
0% transfer rate - for 9 months
Abbey Pink
15.90% 59 days Moneysupermarket Exclusive
0% transfer rate - for 9 months
Morgan Stanley Gold
15.90% 55 days 0% on purch & bal tfrs for 6 months
Morgan Stanley Standard
15.90% 55 days 0% on purch & bal tfrs for 6 months
Conran Standard 15.90% Loyalty 59 days ---
Co-operative Bank Advantage
15.90% 46 days A credit card from a bank with a clear ethical policy
Co-operative Bank Advantage Gold
15.90% 46 days A credit card from a bank with a clear ethical policy
Toys 'R' Us 15.90% Loyalty 59 days ---
Citi Platinum
15.90% 56 days 0% on purch & bal tfrs for 6 months - Apply Today
Citi Platinum
15.90% 56 days 0% on purch for 3 months & 5.8% on bal tfrs until repaid - Apply Today
Marks & Spencer "&more" 15.90% Loyalty 55 days ---
Abbey Blue Shopping Card
15.90% 59 days 0% on purch & 7.9% on bal tfrs for 6 months
Abbey Pink Shopping Card
15.90% 59 days 0% on purch & 7.9% on bal tfrs for 6 months
Tesco Finest Platinum
15.90% Loyalty 56 days Instant online decision. Earn Clubcard Points as you shop
Virgin Credit Card
15.90% Loyalty 59 days 0% for 9 months on bal trfs
Britannia Classic Introductory Rate Credit Card 15.90% Loyalty 59 days ---
First Direct Credit Card 15.90% 56 days ---
lastminute.com 15.90% 59 days ---
Lombard Direct 15.90% 56 days ---
MBNA Europe Classic 15.90% 59 days ---
Nationwide Cash Reward 15.90% Cashback 56 days --
Royal Bank of Scotland A-Advantage 15.90% Loyalty 56 days ---
Royal Bank of Scotland Platinum 15.90% Loyalty 59 days ---
Ryanair.com Platinum Plus 15.90% Loyalty 59 days ---
SonyCard 15.90% Loyalty 59 days ---
Tesco Classic
15.90% Loyalty 56 days Instant online decision. Earn Clubcard Points as you shop
Liverpool Victoria 16.70% 50 days ---
Abbey Blue Cashback 16.90% Cashback 59 days ---
Abbey Pink Cashback 16.90% Cashback 59 days ---
Alliance and Leicester 16.90% 59 days ---
Clydesdale Bank Gold 16.90% 56 days ---
Northern Bank Gold 16.90% 56 days ---
Yorkshire Bank Gold 16.90% 56 days ---
NatWest Bank Gold 17.40% Loyalty 56 days ---
Morgan Stanley Platinum
17.90% Cashback 55 days 5.9% fixed for life on bal tfrs before 31/05/2005
Morgan Stanley Standard Cashback
17.90% Cashback 55 days 5.9% fixed for life on bal tfrs before 31/05/2005
Britannia Classic Cashback Credit Card 17.90% Cashback 53 days ---
Clydesdale Bank Standard 17.90% 56 days ---
Goldfish 17.90% Loyalty 52 days ---
Ipoints 17.90% Loyalty 59 days ---
Morgan Stanley buy & fly!
17.90% Loyalty 55 days Collect travel points with buy & fly!
Northern Bank 17.90% 56 days ---
Royal Bank of Scotland Classic 17.90% Loyalty 59 days ---
Royal Bank of Scotland Gold 17.90% Loyalty 59 days ---
Yorkshire Bank 17.90% 56 days ---
Citi A-Advantage 18.30% Loyalty 56 days ---
NatWest Bank Standard 18.40% Loyalty 56 days ---
Citi Classic Plus
18.90% 56 days 0% on purch & bal tfrs for 6 months - Apply Today
Bank of Ireland Sterling Standard 18.90% 56 days ---
Norwich and Peterborough 18.90% Cashback 59 days ---
First Direct Classic Card