Compare Best Low APR & No Fee Cards | Finance.co.uk

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Compare credit cards that offer features like 0% balance transfers, 0% on purchases and cashback rewards.

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Professional debt advisor

Talk through your problems with a
qualified, FCA regulated experts and
find the best solution for you

Compare the Top 5 Credit Card Deals

See our impartial guide to choosing the right deal

1

Barclaycard Platinum With Balance Transfer (25mths)

Balance Transfers

0% for 25 months

Purchases

0% for 25 months

Representative APR (variable)

18.9% APR

You may be offered a different credit limit, representative APR, purchase rate or promotional Balance Transfer period to any shown here as it depends on your individual circumstances. Subject to status.

2

Lloyds Bank Platinum 42 Month BT MasterCard

Balance Transfers

0% for 42 months

Purchases

0% for 6 months

Representative APR (variable)

18.9% APR

Representative example: When you spend £1,200 at a rate of 18.94% (variable) per annum, your representative APR is 18.9% APR (variable)

3

Sainsburys Nectar Purchase Credit Card

Balance Transfers

0% for 29 months

Purchases

0% for 6 months

Representative APR (variable)

18.9% APR

Representative example: When you spend £1,200 at a rate of 18.95% (variable) per annum, your representative APR is 18.9% APR (variable)

4

Santander All in One Credit Card

Balance Transfers

0% for 41 months

Purchases

N/A

Representative APR (variable)

21.7% APR

Representative example: When you spend £1,200 at a rate of 15.9% (variable) per annum, with a £3 monthly fee, your representative APR is 21.7% APR (variable)

5

Halifax 43 Month Balance Transfer Credit Card

Balance Transfers

0% for 41 months

Purchases

0% for 6 months

Representative APR (variable)

21.7% APR

Representative example: When you spend £1,200 at a rate of 15.9% (variable) per annum, with a £3 monthly fee, your representative APR is 21.7% APR (variable)

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 Your Guide To Using A Credit Card

Credit cards are a payment card issued to an individual by financial institutions (usually banks) to enable the holder to borrow funds with a promise that the money would be repaid within a stipulated time. However, since credit cards need to be handled carefully, learning about the problems you can have when using credit cards and what you can do to solve them can help you use the card more efficiently. Additionally, learning about the benefits of using a credit card for buying things and following some tips to keep up with the payments as well as avoid credit card frauds can also be useful in allowing you to use your credit card in a safer way.


Credit Card Rating

If you are one those who are switching cards or have been applying for numerous cards, it is important to remember that this may effect on your credit rating. Application for a new credit card or rejection of the card is recorded on your credit file. New providers checking your file may often come to a conclusion that you either have too many cards already or have takers who are interested in lending you a credit card. To know more about credit card rating, take a look as Being refused credit in Credit.

In addition, if you want to know about the different types of borrowing or are finding it difficult to use your credit card in Northern Ireland and England, Wales, or Scotland, look up Help with debt.


What are the benefits of using Credit Cards?

One of the greatest benefits when using a credit card is that it provides your extra protection when paying for goods and services. For instance, if things go wrong when paying for goods and services using your credit card, you can make a claim against the credit card company instead of the company that sold services or goods to you.

However, when making a claim there are certain factors to be considered-

  • The services and goods your purchased should be above £100 and below £25,000.
  • The claim made can be more useful only if the supplier or trader has no money to reimburse or has gone out of stock.
  • The credit card provider should be kept informed about the difficulties you are having with a supplier over services of faulty goods provided by the trader or supplier.
  • If the credit card company does not accept any responsibility, a complaint to the Financial Ombudsman Service can be raised.

To get more details about Financial Ombudsman Service, take a look at How to use an Ombudsman.

Furthermore, if you have problems regarding the goods and services purchased on your credit card, you can seek guidance from an experienced adviser at Citizen Advice Bureau. To know more details regarding the nearby CAB, including even those that can provide advice by email, check nearest CAB online.

Tips to Avoid Credit Card Fraud

One of the greatest problems experienced by credit card holders is the credit card fraud.  To protect your card and use it safely, it is your responsibility to report to the credit card provider as soon as you find that your card is stolen or details of the card have been copied.

  • Always safeguard your PIN. The PIN (personal identification number) is basically the security number that is provided to you when you are issued a credit card. The PIN will be asked for whenever you use your credit card to withdraw cash from a cash machine (ATM) or when you buy goods using the card. It is, therefore, important that you do not share your PIN with anyone. However, if you discover that your PIN number is also known by someone else, it is highly recommended that you inform your card provider immediately. Failing to inform the provider can cause you to pay the money for another person who used your credit card.
  • When using your credit card for paying in restaurants, shops, market or anywhere else, always remember to keep your card in sight. If you fail to see what is happening with your card at all times or if your card remains out of your sight, information in the magnetic stripe on the reverse side of the card will be copied and re- used illegally. In such cases, contacting and informing your card provider immediately is advisable.
  • Always check your statements every month. This will ensure that the amount debited from your card is correct and allow you to contact your card provider about spending that you do not recognize.
  • Destroy all your payment receipts. Since keeping payment recipes can divulge details regarding your credit card, tearing them in small pieces will prevent anyone from stealing your details.
  • When purchasing online, always use secure websites, Always look for a padlock that is located in the top of the internet page, near the website address. Paying payments online to a secure website is crucial to prevent credit card fault.
  • Use an online verification scheme. Card providers usually recommend using an online verification scheme, verified by MasterCard Secure Code or Visa. Setting up an additional password which is verified by your card provider before making a payment helps provide extra security to the card holder. To know more about online verification scheme, visit www.shopsafeonline.org.uk.
  • One of the crucial factors to avoid credit card misuse is to report stolen or lost card immediately. To contact your card provider, check your provider’s website or look up your last credit card statement for their contact number. Additionally, if have card protection insurance, it is important that you inform your insurance company about the theft.

Making A Complaint To Your Card Provider

If you are unhappy with the services provided by credit card provider, raise a complaint to them. At first, raise a company to the credit card company and allow them to set things right. However, if you are still dissatisfied, you can further complain to the Financial Ombudsman Service .

What should do if you are struggling to make credit card bill?

If you finding it difficult to pay your credit bill, it is always best to contact your provider immediately. In doing so, they might help you by asking you to pay a reduced amount temporarily. In addition, asking them to freeze your interest will not only prevent your credit limit to increase at this stage, but also keep you away from getting into more debt.

Taking guidance from an adviser at Citizen Advice bureau regarding other debts can help sort out your problems and help claim benefits. To contact the nearest CAB for advice, check nearest CAB online.

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