Welcome to CreditCards.co.ukWelcome to CreditCards.co.uk, the credit cards guide from the Financial Services Network. We can help you find the best credit card deals, whatever kind of plastic you are looking for. We also offer a credit card comparison and glossary.

Virgin Credit Card
Virgin Credit Card
A market leading card offering 0% on Balance Transfers for 16 months and 0% on Purchases for 3 months. Plus discounts on Virgin products and High St vouchers. Typical 16.6% APR. Good credit rating required. Instant Decision.

Compare Best Selling 0% Balance Transfer Cards

 
Card Details
Typical
APR
(%)
0%
Card
Purchases
0%
Balance Transfers
16.6%
3
Months
16
Months
Good credit rating required. Instant Decision.
 
15.9%
3
Months
15 Months
No interest payments for 15 months
 
19.9%
N/A
Until
Mar 2011
Strengthen your credit rating by managing your account responsibly
 
19.9%
N/A
6 Months
0.5% APR decrease every 6 months for 35 months
 
16.9%
Until
May 2010
Until
Apr 2011
Plus cashback and offers.
 
16.9%
3
Months
13 Months
0% on money transfers for 13 months.
 
15.9%
9
Months
9
Months
Get the best of both, 0% on purchases and Balance Transfers.
 
15.9%
9
Months
9 Months
0% on purchases and Balance Transfers for 9 months

Compare Best Selling Poor Credit History Credit Cards

 
Card Details
Poor Credit History
Credit Card Details & Perks
Award winning card designed for those who have poor credit, CCJ's, low income or new to credit.
No annual fee plus £2500 spending power.

Compare Best Selling 0% Purchase Cards

 
Card Details
Best Selling
0% Purchase Cards
Get the best of both, 0% on purchases and Balance Transfers.
0% on purchases and Balance Transfers for 9 months


Compare Best Selling Loyalty Cards

 
Card Details
Best Selling
Loyalty Credit Cards
0% on balance transfers and purchases plus cash transfers.
Earn Points for every £1 and redeem against High St vouchers.


Please note balance transfers are subject to 2-3% handling fee

Factors to Consider

The main factors to consider from a credit card are the long term interest rates, and the level of any additional services or rewards offered. Remember to look for a good value long term APR, rather than being tempted by 0% APR offers alone (read our advice section for more on this).

Reducing Your Monthly Payments

You may also be looking to reduce your current monthly payments. Whilst balance transfer offers, or low interest rates on purchases may help you to do this, remember that taking a look at your credit cards as part of an overall review of your borrowing may open up ways to reduce your payments further. A personal loan, home-owner loan, or a remortgage package on your house may be options worth considering.

Which credit card is best for...

We can also show you which credit cards are best for international transactions, and which ones are best if you are looking for cash back or other rewards. We can also answer your concerns about card fraud, and show which cards are best for online purchases. You may also be considering applying for a gold or platinum card, and wondering if these offer any benefits beyond a boost to your ego.

Credit Card Advice, Glossary & Questions

For a general introduction to how to find the best credit card to suit your needs, and how to make the best use of your existing cards, please read our credit card advice guide. Our glossary defines the major terms relating to credit cards, and our questions and answer section covers a number of common queries regarding credit and debit cards in the UK.

What they don't like to tell you

With the constant daily bombardment of credit card offers through the post, on TV, and on websites, some deals can appear to be very appealing. We take a look at the small print on some typical offers, so you know who really has the best deals. For example, do you know how interest is calculated on balance transfers? Do you know how much you are charged when you use your card outside the UK? [More]

Caution: One At A Time

Please be aware that every loan or credit application you make will be recorded by the credit reference agencies such as Equifax and Experian. This can have a negative effect on your future credit rating. Use our glossary to help you select the right kind of credit card for your circumstances. [More]

ApacsCard Watch is the UK banking industry's body that works with police, retailers and organisations including Crimestoppers to fight plastic card faud - including credit and debit cards. For more information on Card Watch or for information about credit card fraud, see the Card Watch website here.

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