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Welcome 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.

Compare Best Selling 0% Balance Transfer Cards

Best Selling 0% Balance Transfer and 0% Purchase Cards
Virgin Bal Transfer: 15 mths APR: 15.9% 0% Purchase: 3 mths		MBNA Platinum   Bal Transfer: Jun 09 APR: 15.9% 0% Purchase: Aug 08
Egg Bal Transfer: 15 mths APR: 16.9% 0% Purchase: 3 mths		Capital One Bal Transfer: Mar 09 APR: 9.9% 0% Purchase: Mar 09
Barclaycard Platinum Bal Transfer: 14 mths APR: 14.9% 0% Purchase: 3 mths		MBNA RSPCA Bal Transfer: 12 mths APR: 15.9% 0% Purchase: 3 mths

Compare Best Selling Poor Credit History Credit Cards Best Selling Poor Credit History Credit Cards  Aqua A card designed for those who experience difficulty getting credit    Vanquis For those who have poor credit, CCJ's, low income or new to credit Compare Best Selling 0% Purchase Cards Best Selling 0% Purchase Cards   Capital One Platinum 0% on purchases and Balance Transfers until May 09 plus low APR of 12.9%    HSBC 0% on purchases for 12 months. RBS 0% on purchases for 6 months plus 0% BT for 13 months   Natwest 0% on purchases for 6 months plus 0% BT for 13 months

Compare Best Selling Loyalty Cards

Best Selling Loyalty Reward Cards
MBNA Rewards 'Earn reward points and redeem against flights, shopping vouchers, cash and more		Barclaycard 2% cashback on s/market and petrol spend and 0.5% on all other
Amex Platinum 5% Moneyback for 3 months then 1.5% thereafter		Nectar Earn points and redeem against rewards

Compare Best Selling Charity Cards

Best Selling Charity Cards
MBNA Breast Cancer 0% on balance transfers and purchases plus contribution to breast cancer.		Co-operative Bank Credit Card Half an acre of Brazilian rainforest purchased and protected in your name when you use your card.
MBNA WWF 0% on balance transfers and purchases plus contribution to World Wildlife Fund.		MBNA RSPCA 0% on balance tranfers and purchases plus help alleviate animal suffering

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]

Card Watch is the UK banking industry's body that works with police, retailers and organisations including Crimestoppers to fight plastic card fraud.