Get A Better Deal With Credit Card Finder UK
Posted September 21st, 2009 The best credit card deals are often right there in front of your nose, yet you just fail to see them. If you are an existing credit card consumer with a wish to find a better deal, then you can’t look past UK balance transfer cards. These cards are often worth their weight in gold and more because they allow us to conveniently transfer our existing credit card debt onto a better card with much better deals.
Best credit card deals in the UK for balance transfer cards
A UK balance transfer card is ideal if you are looking for a good deal. There are literally hundreds of credit cards on the market and choosing one that is right often requires hours and days of research. This is frustrating because who in their right mind likes to calculate financial data anyway. We sure as hell don’t think you do, that’s why we have done the hard work for you and found the best credit card deals in the UK.
The following four cards have all made the short list out of the lot giving you more bang for your hard-earned buck:
- Virgin Money Credit Card MasterCard: Get a full 0% interest rate for 16 months with a low 2.98 per cent balance transfer fee. APR is 16.6% variable
- Halifax All in One Credit Card: 0% interest for 9 months with a 2.90 per cent balance transfer fee and a 15.9% variable APR
- Virgin Atlantic White Card: 0% interest for 6 months, 2.0 per cent balance transfer fee, 17.9% variable APR
Best card deals with Credit Card Finder UK
Let us help you by doing the research on your behalf. If the above cards are not what you need right now then just drop us a comment or email and we can comprise some research based on what you need.
Better deals on UK cards
Before you choose any credit card you need to understand card features first. The more you know about these, the better can you make an informed choice.
- Interest-free introductory period: These are commonly offered on balance transfer cards (see above) to allow you to pay off existing credit card debt without added pressures
- APR: This stands for annual percentage rate which is set by the Bank Of England. This rate is entirely dependant on the state of the economy. This is the interest you pay on your purchases whenever you use your card. Many cards come with an interest-free period of 44 or 55 days giving you more leeway to save money
- Cash back/Money back/Loyalty schemes: These are schemes introduced by lenders to give you incentives to use their cards. Some give you money back on purchases made while others give you vouchers, frequent flyer points and other gifts
It’s a matter of knowing the market
Getting the best credit card deals is only a matter of knowing what’s on the market and how each card refers to your needs. Once you understand the features and responsibilities with each card you can make an informed choice.
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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. Representative 39.9% APR (variable) |
Representative 39.9% APR (variable) | 39.9% | N/A | 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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