Credit Card Comparison Chart

NAME	REPRESENTATIVE EXAMPLE (standard long term rate)	NEW PURCHASES	INTRO BALANCE TRANSFERS	XTRAS
ABBEY ZERO RATE	17.9% APR representative variable 17.9% p.a. variable on purchase based on a £1,200 credit limit	0% for 3 months from first activating your account.	0% for first 17 months. 3% handling fee (minimum £5).	0% foreign exchange fee
AMERICAN EXPRESS RED	18.9% APR representative variable 18.9% p.a. variable on purchase £1,200 credit limit	18.9% APR representative variable	18.9% APR representative variable handling fee of up to 3% may be charged	help the fight to eliminate aids in Africa
AMERICAN EXPRESS NECTAR	19.9% APR representative variable 19.9% p.a. variable on purchase £1,200 credit limit	19.9% APR representative variable	19.9% APR representative variable may be subject to a 2% handling fee	nectar points
AMERICAN EXPRESS PLATINUM	18.5% APR representative variable based on £25 annual fee assumed borrowing of £1,200 rate of interest 14% per annum (variable)	14% p.a.	n/a	cash back
AQUA	35.9% APR representative variable 35.9% p.a. variable on purchase based on a £1,200 credit limit	35.9% APR representative variable	35.9% APR representative variable (£3 or 3% fee whichever is greater).	rebuild credit rating/history
BARCLAYCARD BREATHE	16.9% APR representative variable 16.9% p.a.variable on purchase £1,200 credit limit	5.9% APR Representative variable purchase rate on public transport (excludes Transport for London)	0% interest on balance transfers for 10 months from account opening 3% handling fee applies on transfers made within 60 days of opening your account on amounts up to £5,000	special purchase rate on public transport
BARCLAYCARD CHARITY	14.9% APR representative variable 14.9% p.a.variable on purchase Â£1,200 credit limit	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 Â£2.50)	donations to charities
BARCLAYCARD FLEXI-RATE	16.9% APR representative variable 16.9% p.a. variable on purchase £1,200 credit limit	9.9%-16.9% APR representative variable	0% for 1st 9 months of opening your account. 3% handling fee applies. (minimum £2.50)
BARCLAYCARD PLATINUM	17.5% APR representative variable 17.5% p.a. variable on purchase £1,200 credit limit	0% APR 1st 3 months	0% p.a. for first 20 months 2.6% handling fee
BARCLAYCARD PLATINUM +PURCHASES	18.9% APR representative variable 18.9% p.a. variable on purchase £1,200 credit limit	0% APR 1st 14 months	0% p.a. for first 14 months 2.9% handling fee
BARCLAYCARD SIMPLICITY	7.9% representative APR variable 7.9% p.a. variable on purchase £1,200 credit limit	7.9% APR representative variable	7.9% APR representative variable (charged at the standard long term rate) no handling fee
CAPITAL ONE ACCESS CARD	34.9% APR representative variable 34.94% p.a. variable on purchase £1,200 credit limit	34.99% p.a. variable	34.99% p.a. variable 3% fee	rebuild credit rating
CAPITAL ONE CLICK CARD	9.9% APR representative variable 9.94% p.a. variable on purchase based on a £1,200 credit limit	9.94% variable	9.94% variable
CAPITAL ONE PROGRESS	29.9% APR representative variable 29.94% p.a. variable on purchase £1,200 credit limit (as low as 17.9% p.a. possible within 36 months)	29.94%	as long term/standard rate
CAPITAL ONE WORLD MASTERCARD	19.9% APR representative variable 19.94% p.a. variable on purchase £1,200 credit limit	19.94% p.a. variable	19.94% p.a. variable 0% handling fee
CO-OP CLEAR	12.9% APR representative variable 12.9% p.a.variable on purchase £1,200 credit limit	12.9% APR representative variable	12.9% APR representative variable
CO-OP PLATINUM	9.9% APR representative fixed for 5 years (then 12.9% APR) 9.9% p.a. variable on purchase for 5 years (then 12.9% APR) £1,200 credit limit	9.9% APR Representative fixed for the first 5 years	9.9% APR Representative fixed for 1st 5 years Offer excludes balance transfers from other credit cards issued by the Bank.
GM	14.9% APR representative variable 14.9% p.a. variable on purchase £1,200 credit limit	0% for 5 months from first activating your account.	0% for 5 months from first activating your account. 2% handling fee (minimum £5).	earn points towards a new car
HALIFAX ALL-IN-ONE	17.9% representative APR variable 17.95% p.a. variable on purchase based on a £1,200 credit limit	0% for the first 15 months	0% for the first 15 months on balance transfers made in the first 90 days (3% fee).
HSBC	16.9% APR representative variable 16.9% p.a.variable on purchase £1,200 credit limit	0% for the first 3 months	0% p.a for 15 months (2.9% fee)
JOHN LEWIS/WAITROSE	16.9% APR representative variable 16.9% p.a. variable on purchase £1,200 credit limit	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 2.5% handling fee (minimum £5, maximum £50).	reward points
MBNA PLATINUM	n/a	n/a	n/a
MBNA PLATINUM + REWARDS	n/a	n/a	n/a	reward points
TESCO	16.9% APR representative variable 16.9% p.a. variable on purchase £1,200 credit limit	0% for the first 15 months	0% for 9 months from account opening (2.9% handling fee during the first 4 months from account opening.)	Tesco Club Points
VANQUIS	Purchase annual interest rate 39.94% (variable) Amount of credit £1000 Representative 39.9% APR (variable)	39.94% APR representative variable	N/A	rebuild credit history
VIRGIN	16.8% APR representative variable 16.8% p.a. variable on purchase based on a £1,200 credit limit	0% p.a. on card purchases for 3 months from the date your account is opened.	0% p.a. on balance transfers for 20 months from opening your new account (1st 60 days) 2.99% handling fee
VIRGIN ATLANTIC	17.9% APR representative variable 17.9% p.a. variable on purchase based on a £1,200 credit limit	17.9% APR representative 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)
YORKSHIRE BANK GOLD	16.9% APR representative variable 15.76% p.a. variable on purchase £1,200 credit limit	0% for the first 3 months	0% for first 16 months (3% fee).