UK Credit Card Applications

[ Credit Card Comparison Chart ]

Welcome to Freechoice Credit Card Application - where you can compare a range of offers from different UK credit card companies. Whatever you are looking for - interest free balance transfers, 0% APR, low interest, cash back, unsecured cards, American Express, Mastercard or Visa - Freechoice has something for everyone.

Freechoice Credit Cards is an independent website intended to make it easy for individuals to compare and select the best credit card deal based on personal needs and circumstances.

Users can use the pages within this site to compare deals on balance transfers, purchases and rewards from all the leading UK credit card providers including American Express, MBNA, Egg, Halifax, HSBC, MBNA, NatWest, Nectarcard, Royal Bank of Scotland, Vanquis, Virgin and many more.

UK Credit Card Applications Compared

	Card	The Offer
	American Express Platinum Cashback	A premium status credit card offering cash back rewards for use. 5% cashback in first 3 months up to £100. Up to 1.25% after that, with no limit on how much you earn - or how you spend it. 0% interest on purchases for the first 6 months. No annual fee.
	Egg Card	0% interest until 1 April 2012 on balances transferred before 1 May 2011 (3% fee applies). New customers only.
	Halifax One Card
	HSBC Credit Card
	Virgin Atlantic

The rates are shown with other card details and all of the cards shown are available to apply online today.

Use our pages to compare deals from an extensive list of UK credit cards from a range of leading providers. Evaluate the products and deals based on your needs, then, when you've found the right one, select and apply online.

0% Credit Card Deals for New Accounts

Several credit card issuers now offer an introductory interest rate that is fixed below the card's standard APR for a limited period. These rates are typically very competitive in order to attract new customers, but will revert to the standard rate when the introductory period comes to an end. Select '0% credit card deals' above to view the latest deals.

Credit Card Balance Transfers

If you have a card with a large balance carried over each month, it may be worth transferring the balance to a card with a lower rate. Many providers offer 0% APR on credit card balance transfers. The discounted period usually lasts between 5 and 12 months. However some of the better credit cards for balance transfers offer 0% interest for up to 13 or 15 months. Transferring balances to take advantage of these deals can mean big savings on annual interest costs. Look out for initial transfer fees of 2-3% though! When the offer period comes to an end, the interest rate reverts to the standard APR, which varies, depending on the UK credit card and your credit rating.

Individuals who wish to maximise savings on outstanding balances can change to a card charging 0 per cent for an introductory period and aim to clear as much as possible within that time period. If this is impractical, or you don't wish to constantly change transfer balances, perhaps opt for a card which offers a low rate until the balance is completely cleared.

Low Interest Credit Cards

Many consumers pay higher rates of interest for spending on their credit cards than the best APR available because they remain with the same issuer. Another provider may offer better ongoing rates for purchases or cashback, adding to the savings that can be made.

Consumers who rarely change their credit card may be being charged excessive rates of interest. With so many low rate deals and introductory 0% offers for purchases and balance transfers currently available, now is a great time to move to a low interest credit card.