Special Credit Card Deals

See our credit card deals and promotions which offer bonuses that may be awarded after only your first purchase. These awards may come in the form of cash back, air miles, merchandise or other rewards

Filling out a credit card application is faster than ever before. To apply for a credit card online, simply provide the information requested, and click on the submit button. You may get an online decision in as little as a minute, in other cases you will be notified by mail within a couple of weeks.

The longest ever 0% balance transfer card

  • Barclaycard Platinum credit card
  • 0% on balance transfers for 18 months(2.9% fee)
  • Plus £20 off your fee when you transfer £3,000+
  • Redeem your miles for ANY travel expense
  • 16.9% Representative APR (variable)

Representative Example : If you spend £1200 at an annual interest rate of 16.9% (variable) your Representative APR will be 16.9% (variable).

Credit Cards Services

At choosecreditcard.net, we continuously monitor the credit card market in order to bring you the best credit cards, reviews and credit card offers available online. Credit card offers are displayed side by side, to allow you to easily compare key factors such as interest rates, annual fees and other features.
Once you have found the credit card that is best for you, fill out an online credit card application. In some cases, get a credit decision within 60 seconds. At CreditCards.com, our goal is to provide a resource where consumers can search, compare and apply for the best credit card offers online.

Travel credit cards guide

MBNA offers a range of travel credit cards with airline miles where miles are earned for everyday card spending. Airline miles can then be used to book a flight with the airline or redeemed against travel-related offers. Many airlines also offer bonus miles when you make a card purchase within a certain time period from account opening (for example, the first 90 days).
The more you use your card for everyday spending, including food and petrol, the more airline miles you can earn. MBNA offers airline miles credit cards with different levels of airline miles depending on the card.
Balance transfer credit cards are ideally suited to people who already have an existing rate on another credit card or a store card. By transferring your existing credit card debt to a new card you can pay a lower rate of interest on the debt for the introductory period e.g. 13 months.

Ideally suited for…

Airline miles credit cards are ideally suited to frequent flyers who love to explore the world. You can earn varying amounts of airline miles for each pound you spend on your credit card. Use your card for everyday spending and there is no limit to the amount of airline miles you can earn.

Chocolate Tasting Club

The Chocolate Tasting Club offers some of the world's best chocolate - join our monthly chocolates delivery service and taste the work of the chocolatier masters.


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Credit Cards Services

Credit card provides you with the benefit of not charging interest on your card balance. Interest free periods are usually limited, after which a rate of interest is applied to the outstanding balance.A 0% credit card provides you with the benefit of not charging interest on your card balance. Interest free periods are usually limited, after which a rate of interest is applied to the outstanding balance.A 0% credit card provides you with the benefit of not charging interest on your card balance. Interest free periods are usually limited, after which a rate of interest is applied to the outstanding balance.

Transferring a balance from one card to another with a lower interest rate can be a good way to manage your debt. By switching the debt to a credit card where you pay less interest on your borrowing.

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Spend money on a rewards credit card and you'll earn points or discounts which can then be redeemed for goods and services including high street vouchers and more.

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We offer a range of travel credit cards with airline miles where miles are earned for everyday card spending. Airline miles can then be used to book a flight with the airline or redeemed against travel-related offers.

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Our purchase credit cards benefit from competitive rates on card purchases which allows you to spread the cost of the purchase over a few months during an introductory period.

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Balance transfer credit cards guide

Transferring a balance from one card to another with a lower interest rate can be a good way to manage your debt. By switching the debt to a credit card where you pay less interest on your borrowing, you can pay off the existing debt at a lower rate of interest. For more information read understanding balance transfers.

Ideally suited for…

Balance transfer credit cards are ideally suited to people who already have an existing rate on another credit card or a store card. By transferring your existing credit card debt to a new card you can pay a lower rate of interest on the debt for the introductory period e.g. 13 months.

Benefits

Pay off existing debt at a lower rate of interest—having a new credit card with an introductory balance transfer rate can help you pay of your debt at a lower rate of interest and help you save money on your repayments.
Organise your finances—if all your debt is in one place it’s easier to keep on top of your finances with only one monthly payment to think about
Great introductory rates—whether you're looking to transfer a balance from an existing credit card or simply want to make a card purchase, MBNA offer competitive introductory rates and APR.
All the features of a traditional credit card—all our credit cards carry the same great features and services, including Online Card Services, paperless statements online, fraud protection and free 24-hour UK based customer service helpline.
Optional extras to protect your card—just like our traditional credit cards we offer you the same optional extras to protect yourself from the unexpected including LifestyleProtect, Card & Phone SOS and Identity Protection.

From the date your account is opened. A handling fee applies to balance transfers and money transfers. Balance transfers and money transfers must be made within 90 days of account opening. From the date your account is opened. If you have two or more promotional offers at the same rate, we will use your payments to reduce any promotional balance with the lowest standard rate last, even if this offer ends first. This could mean that any such balance may not have been reduced by the time the standard rate applies to it. Full details of the reward programme will be sent to you once your account is opened. From the date your account is opened. A handling fee applies to balance transfers and money transfers. Balance transfers and money transfers must be made within 60 days of account opening. Promotional rates will no longer apply from the beginning of any statement period during which you have breached your terms and conditions

Finding the interest free credit cards

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0% Credit Cards

A 0% credit card provides you with the benefit of not charging interest on your card balance. Interest free periods are usually limited, after which a rate of interest is applied to the outstanding balance.A 0% credit card provides you with the benefit of not charging interest on your card balance. Interest free periods are usually limited, after which a rate of interest is applied to the outstanding balance.A 0% credit card provides you with the benefit of not charging interest on your card balance. Interest free periods are usually limited, after which a rate of interest is applied to the outstanding balance.

Balance Transfer

A Balance Transfer credit card allows you to transfer existing store or credit card debt to a new credit card initially with a potentially lower rate of interest. Particular attention should be paid to the length of time the opening offer is for, once the offer ends the full APR resumes and the full interest will be charged from that point on. A Zero percent purchase credit card offers an introductory rate that is interest free for new purchases for a specific term after which the standard rate applies. If you are looking for help with your cash flow then a 0% purchase credit card might do the trick but be aware that each credit card will vary on the term of the interest free period and the standard rate in which it will revert to therefore it is important that you compare these features before applying.A Balance Transfer credit card allows you to transfer existing store or credit card debt to a new credit card initially with a potentially lower rate of interest. Particular attention should be paid to the length of time the opening offer is for, once the offer ends the full APR resumes and the full interest will be charged from that point on. A Zero percent purchase credit card offers an introductory rate that is interest free for new purchases for a specific term after which the standard rate applies. If you are looking for help with your cash flow then a 0% purchase credit card might do the trick but be aware that each credit card will vary on the term of the interest free period and the standard rate in which it will revert to therefore it is important that you compare these features before applying.

Interest Free credit cards

Interest free credit cards are credit cards which offer an interest free period on the credit that is either borrowed from, or transferred onto, the card. Interest free periods are usually limited, after which a rate of interest is applied to the outstanding balance.Interest free credit cards are credit cards which offer an interest free period on the credit that is either borrowed from, or transferred onto, the card. Interest free periods are usually limited, after which a rate of interest is applied to the outstanding balance.Interest free credit cards are credit cards which offer an interest free period on the credit that is either borrowed from, or transferred onto, the card. Interest free periods are usually limited, after which a rate of interest is applied to the outstanding balance.

Bad Credit Credit Cards

A Bad Credit Credit Card is a credit card for bad credit or for people with a low/poor credit rating, CCJs or who have claimed bankruptcy. Bad Credit Credit Cards function just like regular credit cards, but due to the perceived higher risk the applicant poses to the card issuer, they often carry a higher rate of interest, and benefits may be reduced. A Bad Credit Credit Card is a credit card for bad credit or for people with a low/poor credit rating, CCJs or who have claimed bankruptcy. Bad Credit Credit Cards function just like regular credit cards, but due to the perceived higher risk the applicant poses to the card issuer, they often carry a higher rate of interest, and benefits may be reduced.

Credit Cards and More Services

Credit card provides you with the benefit of not charging interest on your card balance. Interest free periods are usually limited, after which a rate of interest is applied to the outstanding balance.A 0% credit card provides you with the benefit of not charging interest on your card balance. Interest free periods are usually limited, after which a rate of interest is applied to the outstanding balance.A 0% credit card provides you with the benefit of not charging interest on your card balance. Interest free periods are usually limited, after which a rate of interest is applied to the outstanding balance.

Credit Cards

CreditCards.co.uk

CreditCards.co.uk brings together independent information on the best credit cards the UK has to offer. Overflowing with the hottest credit card deals on the market, CreditCards.co.uk is an independent site that offers a wealth of credit card tips and advice for comparing and choosing the best credit card on the market. With a recent makeover, CreditCards is the slick and professional site that the UK credit card industry needs.

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Online Loans

OnlineLoans.co.uk

OnlineLoans.co.uk is devoted to supplying information and applications for secured and unsecured loans, finding borrowers the cheapest and most suitable deals on the market. Onlineloans caters for homeowners and tenants, students, employed, self-employed and retired applicants. Use OnlineLoans.co.uk to apply for any type of loan, or simply compare loans from a variety of online providers.

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Investments

Investments.co.uk

Investments.co.uk is the one-stop online hub to make more of your money. Comprising hundreds of information-packed, independent, intelligible guides to every type of investment on the market, Investments.co.uk explains the costs and benefits, not to mention the risks. Whatever type of investment you are looking for, be it an ISA or a hedge fund, Investments.co.uk can help. Investments.co.uk gives you options for your money.

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Free Credit Score Check

The need of credit check arises when lenders assess your mortgage application. They use a credit reference agency and credit scoring to help them in making a decision. This credit check process has an impact on the position of borrower. Importantly, each time when a person makes an application for any type of credit, lending companies or institutions check the credit history. This helps them to ensure that they are not at high risk. Well, this is referred to as credit check. The lending company or institution performs check by requesting information on borrower’s credit status from the leading credit reference agencies.

A credit check determines whether a borrower can get credit or not. If a borrower is having a good records then he will not face any problem regarding sanctioning of loan amount. Moreover, he enjoys a comfortable financial future. Lenders feel secured as this result in successful loan deal. On other hand, borrowers with worse credit records mean poor credit and application of borrowers could easily turned down. In this case, any credit offered to the borrower is considered a high risk by your lender. If a lender offers you loan then he charges higher rate of interest. For the repayment of loan amount, credit check formality is carried out. This enables the lender to determine the level of risk before sanctioning of loan amount to the borrowers.

Credit Score Range

The credit score is based on a statistical analysis done on person's credit files. The key on which credit score is judged is based on credit report information. This typically sourced from the credit bureaus of UK. Each lender has a credit score range of values which typically varies in a scale of 0 to 1000 where figures denote to minimum and maximum range. Normally, the credit score falls into five credit rating bands which represents Excellent, Good, Fair, Poor and Very poor.

Importantly, credit score is not static in nature as it has to be calculated every time when a person applies for a new loan type. The score scale of every lender varies so each time when a person applies for loan his credit score will be different. By using different points total lenders determine the good or bad rating. So, a person could easily find himself being rejected by one lender and accepted by other. The factors responsible for your credit score are determined by several variables namely total credit history, amount of credit balances with outstanding account, late payments, collections, home foreclosures financial loan defaults.