American Express Credit Cards
Posted December 23rd, 2008 and last modified October 24th, 2009American Express is one of the most established names in the credit industry, offering charge and credit cards, all offered with a very competitive incentive scheme. The key negative consideration with American express cards is that they are not as widely accepted as visa and mastercard.
Comparison of American Express Cards
| Credit Card |
Card Details |
Interest Rate | Cash Advance Rate | Balance Transfer Rate |
Annual fee |
Interest free days |
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|---|---|---|---|---|---|---|---|
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5% cashback on purchases in your first three months (up to £4,000 of spend). Thereafter, earn 0.5% on the first £3,500, 1% on £3,501 to £10,000, and 1.5% after £10,001. |
18.9% p.a. | 27.9% p.a. | 18.9% p.a | No Annual Fee | 56 days for purchases. 0 days for balance transfers and cash. | |
 American Express British Airways Card |
1,000 bonus BA Miles when you use the card for the first time / 1 BA Mile for every £1 spent. |
19.9% APR | 27.9% p.a. | 19.9% APR | No Annual Fee | 56 days for purchases. 0 days for balance transfers and cash. | |
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Automatically earn 1 point for almost every £1 you spend. |
0% PA for 6 months. Typical 17.9% APR (variable) |
27.9% p.a. | 17.9% p.a. | No Annual Fee | Up to 56 days for Purchases if you pay your balance in full and on time. 0 days for Balance Transfers or Cash Withdrawals. | |
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5,000 Nectar bonus points when the Card is used for the first time within 90 days from approval. Double points will be accrued everywhere you spend for the first 3 months of Cardmembership only. |
Typical 18.9% APR variable | 25.9% p.a. | 18.9% p.a. | No Annual Fee | Up to 56 days for Purchases if you pay your balance in full and on time. 0 days for Balance Transfers or Cash Withdrawals. |
Comparison of Top 10 Credit Card Offers
| Credit Card | Card Details | Interest Rate | Cash Advance Rate | Balance Transfer Rate | Annual fee | Interest free days | ||
|---|---|---|---|---|---|---|---|---|
 Halifax All in One Credit Card |
The Halifax All in One credit card offers a great introductory rate, and is perfect for saving you money now as well as in the future. | 15.9% APR | 27.95% p.a. (variable) | 0% for 9 months | No Annual Fee | 59 Days interest free |
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 Virgin Credit Card |
As well as a great rate, the Virgin Credit Card comes with:
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16.6% APR (variable) | 27.9% p.a. (variable) | 0% for 16 Months (2.98% fee on balance transfers) | No Annual Fee | 50 days on card purchases |
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|
 Capital One Classic Visa |
This card is designed for people with bad credit ratings, this is why the rate is quite high. |
Typical 34.9% APR variable | 34.9% APR | 34.9% APR | No Annual Fee | 56 days for purchases. 0 days for balance transfers and cash. |
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As well as earning Flying Club miles which you can spend on brilliant rewards like flights, upgrades, car hire and more, a Virgin Atlantic Credit Card gives you up to 46 days interest free on card purchases. |
17.9% APR typical rate | 20.9% p.a. (variable) | 0% for 6 months (2% handling fee) | No Annual Fee | Up to 46 days on card purchases only. |
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The Virgin Prepaid MasterCard from Virgin Money is a prepaid Mastercard that you can add funds to, and use these funds for normal purchases. |
N/A | N/A | N/A | N/A | N/A |
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5% cashback on purchases in your first three months (up to £4,000 of spend). Thereafter, earn 0.5% on the first £3,500, 1% on £3,501 to £10,000, and 1.5% after £10,001. |
18.9% p.a. | 27.9% p.a. | 18.9% p.a | No Annual Fee | 56 days for purchases. 0 days for balance transfers and cash. |
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Vanquis Visa Card is designed for people with no credit history or who have previously had bad debt. |
39.9% APR variable | 39.9% | 39.9% | No Annual Fee | Up to 56 days on card purchases only |
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The award winning prepaid card with no credit check or bank account needed. | Funds in your Account will not earn interest | Prepaid only - N/A | Prepaid only - N/A | £59.40 p.a. (£4.95/month) | Prepaid only - N/A |
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