Credit Card Comparison Chart

NAME	INTRO PURCHASES	INTRO BALANCE TRANSFERS	LONG TERM RATE	XTRAS
ABBEY ZERO RATE	0% for 3 months from first activating your account.	0% for first 12 months. 3% handling fee (minimum £5).	Typical 18.9% APR (variable)	0% foreign exchange fee
AMERICAN EXPRESS RED	18.9% APR (variable)	18.9 % p.a. (variable) handling fee of up to 3% may be charged	Typical 18.9% APR (variable)	help the fight to eliminate aids in Africa
AMERICAN EXPRESS NECTAR	18.9% APR (variable)	18.9 % p.a. (variable) may be subject to a 2% handling fee	Typical 18.9% APR (variable)	nectar points
AMERICAN EXPRESS PLATINUM	19.9% APR (variable)	19.9 % p.a. (variable) may be subject to a 2% handling fee	Typical 19.9% APR (variable)	cash back
BARCLAYCARD BREATHE	5.9% purchase rate on public transport (excludes Transport for London)	0% interest on balance transfers for 12 months from account opening 2.5% handling fee applies. (minimum £2.50)	Typical 14.9% APR (variable)	special purchase rate on public transport
BARCLAYCARD CHARITY	0% APR for the first 6 months of you opening your account!	0% for the first 6 months of activating your account 2.9% handling fee applies. (minimum £2.50)	Typical 14.9% APR (variable)	donations to charities
BARCLAYCARD FLEXI-RATE	14.9% APR Variable	0% for 1st 9 months of opening your account. 1.7% handling fee applies. (minimum £2.50)	Typical 14.9% APR (variable)
BARCLAYCARD ONEPULSE	12.4% APR (variable)	0% interest on balance transfers for 12 months from account opening (2.5% handling fee applies)	Typical 12.4% APR (variable)	cashback on TfL spend
BARCLAYCARD PLATINUM	12.4% APR variable.	6.3% p.a. for the life of the transfer no handling fee (introductory offer)	Typical 12.4% APR (variable)
BARCLAYCARD SIMPLICITY	6.8% APR (variable)	6.8%APR Variable (charged at the standard long term rate) 2.5% fee applies after the first 60 days of opening your account	Typical 6.8% APR (variable)
CAPITAL ONE ACCESS CARD	34.9% APR variable	typical 34.9% APR variable 3% fee	typical 34.9% APR variable	rebuild credit rating
CAPITAL ONE PLUS	0% until 1st April 2010	as long term/standard rate	Typical 24.9% APR (variable)
CAPITAL ONE PREMIUM PLUS	0% until 1st April 2010	6.9% p.a fixed rate on balance transfers until 1st January 2012 no transfer fee	Typical 15.9% APR (variable)
CO-OP CLEAR	Typical 12.9% APR (variable)	12.9% (same as standard long term rate)	Typical 12.9% APR (variable)
CO-OP PLATINUM	9.9% APR fixed for the first 5 years	9.9% fixed for 1st 5 years Offer excludes balance transfers from other credit cards issued by the Bank.	Typical 9.9% APR fixed for 1st 5 years
EGG	0% APR (variable) till 1st February 2010	0% p.a. (variable) till 1st December 2010 put on the Account by 1st Febuary 2010. 3% handling fee	Typical 16.9% APR (variable)
GM	0% for 5 months from first activating your account.	0% for 5 months from first activating your account. 2% handling fee (minimum £5).	Typical 14.9% APR (variable)	earn points towards a new car
HALIFAX ALL-IN-ONE	0% for the first 9 months	0% for the first 9 months on balance transfers made in the first 90 days (3% fee).	Typical 15.9% APR (variable)
HSBC	0% for the first 3 months	0% p.a for 15 months (2.9% fee)	Typical 16.9% APR (variable)
JOHN LEWIS/WAITROSE	0% for the first 6 months from the date you open your account	0% p.a. for 6 months from the opening of your account 2% handling fee (minimum £5, maximum £50).	Typical 16.9% APR (variable)	reward ponts
MBNA PLATINUM	0% on card purchases for 3 months	0% for 13 months on balance transfers made in the 1st 90 days 2.9% handling fee (minimum £3)	Typical 15.9% APR variable
MBNA PLATINUM + REWARDS	0% on card purchases for 3 months	0% for 13 months on balance transfers made in the 1st 90 days 2.9% handling fee (minimum £3)	Typical 15.9% APR variable	reward points
MINT	n/a	as standard rate	n/a
TESCO	0% for the first 12 months	0% for 6 months from account opening (2.0% handling fee during the first 4 months from account opening.)	Typical 16.9% APR (variable)	Tesco Club Points
VANQUIS	39.9% APR (variable)	N/A	Typical 39.9% APR (variable)	rebuild credit history
VIRGIN	0% p.a. on card purchases for 3 months from the date your account is opened.	0% p.a. on balance transfers for 16 months from opening your new account (1st 60 days) 2.98% handling fee (minimum £3)	typical 16.6%APR variable
VIRGIN ATLANTIC	17.9%APR variable	0% p.a. on balance transfers from other cards for 6 months from opening your new account 2% handling fee (minimum £3, max. £50)	typical 17.9%APR variable