Credit Cards
Compare interest rates, balance transfer and purchase offers
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- Balance Tran:
- Purchases:
- APR variable:
Annual Fee:
£0
Balance Tran:
0% for 18 months - BT must be made within 3 months of account opening
Purchases:
0% for 03 months
APR variable:
21.9%
Features:
- 0% interest for 18 months from account opening on balance transfers made within the first 3 months, after which standard rates apply.
- No balance transfer (BT) fee
- 0% interest on purchases for 3 months from account opening, then standard rates apply
- Balance transfers are limited to 95% of your available credit limit. Minimum balance transfer amount is £100
Requirements:
- Existing customers only
- Must be 18+ years of age
- Earning at least £10K per year
- Must be a UK resident
- Eligibility criteria apply
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) per annum, your representative APR is 21.9%.
Annual Fee:
£0
Balance Tran:
0% for 18 months - BT must be made within 3 months of account opening
Purchases:
0% for 03 months
APR variable:
21.9%
Features:
- 0% interest for 18 months from account opening on balance transfers made within the first 3 months, after which standard rates apply.
- No balance transfer (BT) fee
- 0% interest on purchases for 3 months from account opening, then standard rates apply
- Balance transfers are limited to 95% of your available credit limit. Minimum balance transfer amount is £100
Requirements:
- Existing customers only
- Must be 18+ years of age
- Earning at least £10K per year
- Must be a UK resident
- Eligibility criteria apply
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) per annum, your representative APR is 21.9%.
Annual Fee:
£0
Balance Tran:
-
Purchases:
-
APR variable:
39.9%
Features:
- You'll start with an easy to manage credit limit between £150 and £1,000.
- You could get a credit limit increase after your 5th statement and further increases every 5 months, up to £4,000 subject to good account management.
- A friendly UK Customer Service call centre.
- Online & SMS account management.
Requirements:
- Credit is subject to: status
- Telephone contact & confirmation of name and address
- Not already holding a credit card issued by Vanquis Bank
- No reasonable suspicion of fraud
- Only available to UK residents who are at least 18 years of age and are not legally restricted from obtaining credit e.g. because of bankruptcy.
Representative example: When you spend £1,000 at a purchase rate of 39.94% (variable) per annum, your representative APR is 39.9% APR (variable).
Annual Fee:
£0
Balance Tran:
0% for 18 months
Purchases:
0% for 12 months
APR variable:
19.9%
Features:
- £200 - £8,000 credit limit
- Spread the cost of a one-off purchase
- Improve your credit rating.
- The APR you are approved for is the APR you will get
Requirements:
- Over 18
- UK resident
- Have current bank or building society account
- You don't already have a Post Office Credit Card
Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) per annum, your representative APR is 19.9% APR (variable).
Annual Fee:
£0
Balance Tran:
0% for 12 months
Purchases:
0% for 06 months (on purchases of £200 or more at George.com)
APR variable:
19.9%
Features:
- Unlimited Cashback vouchers - 1% at ASDA.com, Asda stores, Asda Living, Asda petrol stations and George.com plus 0.2% everywhere else
- 0% on balance transfers for 12 months (3% fee applies)
- 0% interest for 6 months on purchases of £200 or more at George.com
- No annual fee
- 10% cashback on selected Asda insurance products
- Check your eligibility to apply without harming your credit score with our credit card soft search
- Get an instant decision
- Winner of Best Credit Card Product of the Year – Card and Payment Awards 2017
- £5 off Travel Money when purchased in-store and on orders £300 and over
Requirements:
- Be aged 18 or over
- Not have County Court Judgments or Court Decrees, or be bankrupt or otherwise insolvent
- Have a minimum annual income of £10,000 and not be claiming unemployment benefits
Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) per annum, your representative APR is 19.9% APR (variable).
Annual Fee:
£0
Balance Tran:
-
Purchases:
-
APR variable:
29.3%
Features:
- Enjoy our low APR credit card - designed to help you improve your credit rating
- Start with a manageable credit limit of £250 up to £1,000
- You could build your credit limit up to £4,000 over time subject to good account management.
- Stay in control of your account with online servicing, a mobile app, SMS and email alerts
Requirements:
- Credit is subject to: status
- Telephone contact & confirmation of name and address
- Not already holding a credit card issued by Vanquis Bank
- No reasonable suspicion of fraud
- Only available to UK residents who are at least 18 years of age and are not legally restricted from obtaining credit e.g. because of bankruptcy.
Representative example: When you spend £1,000 at a purchase rate of 29.30% (variable) per annum, your representative APR is 29.3% APR (variable).
Annual Fee:
£0
Balance Tran:
-
Purchases:
-
APR variable:
34.9%
Features:
- Unlimited Cashback vouchers - 1% at ASDA.com, Asda stores, Asda Living, Asda petrol stations and George.com plus 0.2% everywhere else
- 1% cashback on all Asda spend
- No annual fee
- Check your eligibility to apply without affecting your credit score with our credit card soft search
- Get an instant decision
Requirements:
- Be aged 18 or over
- Not have County Court Judgments or Court Decrees, or be bankrupt or otherwise insolvent
- Have a minimum annual income of £10,000 and not be claiming unemployment benefits
Representative example: When you spend £1,200 at a purchase rate of 34.90% (variable) per annum, your representative APR is 34.9% APR (variable).
Annual Fee:
£0
Balance Tran:
-
Purchases:
-
APR variable:
22.9%
Features:
- 5,000 bonus Avios welcome offer
- Companion Voucher when you spend £20,000 per anniversary year
- Automatic Enrolment to the British Airways Executive Club
- Travel and shopping protection
Requirements:
- Over 18
- Permanent UK Resident
- Have no history of bad debt
- Have a current UK bank or building society account
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) per annum, your representative APR is 22.9% APR (variable).
Annual Fee:
£195 p.a.
Balance Tran:
-
Purchases:
-
APR variable:
76.0%
Features:
- 25,000 bonus Avios welcome offer
- 1.5 Avios for virtually every £1 spent
- 3 Avios for virtually £1 spent with British Airways or BA Holidays
- 2-for-1 travel with a Companion Voucher
Requirements:
- Over 18
- Permanent UK Resident
- Have no history of bad debt
- Have a current UK bank or building society account
- You will not be eligible for any Welcome Bonus award if you hold or have held any British Airways American Express Card product in the past six months.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) per annum, with a £195 annual fee, your representative APR is 76.0% APR (variable)
Annual Fee:
£0
Balance Tran:
-
Purchases:
-
APR variable:
19.9%
Features:
- No foreign exchange fees when you spend abroad
- Spread the cost of a one-off purchase, such as your flights
- The APR you are approved for is the APR you will get
- Credit limit of up to £6,000
Requirements:
- Over 18
- UK resident
- Have current bank or building society account
- You don't already have a Post Office Credit Card
Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) per annum, your representative APR is 19.9% APR (variable).
Annual Fee:
£140 p.a.
Balance Tran:
-
Purchases:
-
APR variable:
57.4%
Features:
- One account. Two cards. More Flying Club miles
- Earn 1 Flying Club mile for every £1 spent on everyday card purchases (Visa Card)
- Earn 2 Flying Club miles for every £1 spent direct with Virgin Atlantic, and via telephone with Virgin Holidays (excludes Virgin Flightstore) (Visa Card)
- Earn 2 Flying Club miles for every £1 spent on everyday card purchases (American Express Card)
- Earn 4 Flying Club miles for every £1 spent direct with Virgin Atlantic and via telephone, online and in store with Virgin Holidays (excludes Virgin Flightstore) (American Express Card)
- Receive a Premium Economy reward upgrade when you redeem your miles on an Economy reward flight, after spending £5,000 on the Virgin Atlantic Black American Express® Credit Card in one year
- Receive a Companion reward flight (just pay taxes and charges) when you spend £7,500 on the Virgin Atlantic Black American Express® Credit Card in a year and you buy a qualifying fare flight
- Contactless and mobile payments
- Up to three free additional cardholders
- Access to cash at ATMs in most countries throughout the world
Requirements:
- Over 18
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) per annum, with a £140 annual fee, your representative APR is 57.4% APR (variable).
Annual Fee:
£0
Balance Tran:
-
Purchases:
-
APR variable:
22.9%
Features:
- One account. Two cards. More Flying Club miles
- Earn 1 Flying Club mile for every £1 spent on everyday card purchases
- Earn 2 Flying Club miles for every £1 spent direct with Virgin Atlantic, and via telephone with Virgin Holidays (excludes Virgin Flightstore)
- Receive a Premium Economy reward upgrade when you redeem your miles on an Economy reward flight, after spending £10,000 on the Virgin Atlantic White American Express® Credit Card in one year
- Receive a Companion reward flight (just pay taxes and charges) when you spend £15,000 on the Virgin Atlantic White American Express® Credit Card in a year and you buy a qualifying fare flight
- Contactless and mobile payments
- Up to three free additional cardholders
- Access to cash at ATMs in most countries throughout the world
Requirements:
- Over 18
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) per annum, your representative APR is 22.9% APR (variable).
Annual Fee:
£0
Balance Tran:
-
Purchases:
-
APR variable:
29.8%
Features:
- Can be a great tool to improve your credit rating
- You'll start with an easy to manage credit limit of between £250 to £1,000
- Credit Limit increases every 5 months, up to £4,000 subject to good account management
- SMS and Online Account Management
Requirements:
- Credit is subject to: status
- Telephone contact & confirmation of name and address
- Not already holding a credit card issued by Vanquis Bank
- No reasonable suspicion of fraud
- Only available to UK residents who are at least 18 years of age and are not legally restricted from obtaining credit e.g. because of bankruptcy.
Representative example: When you spend £1,000 at a purchase rate of 29.84% (variable) per annum, your representative APR is 29.8% APR (variable).