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Purchases Credit Cards

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Mintify Limited, trading as Mintify, is an Appointed Representative of Creditec Limited and is acting as a credit broker, not a lender.

Bank of Scotland

Platinum 0% Purchase & Balance Transfer

4.0

OUR RATING

Representative APR

24.9% APR (variable)

Purchases

0% for 17 months reverting to 24.94% (variable) p.a.

Balance Transfers

0% for 17 months then 24.94% (variable) p.a. (2.99% fee for 3 months)

Account Fees

£0

Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 24.94% (variable) p.a., most accepted customers get a rate of 24.9% APR (variable).

4.0

OUR RATING

Quick Look

The Platinum 0% Purchase & Balance Transfer card is suitable for individuals looking for an extended 0% interest period on both purchases and balance transfers. It may help with spreading the cost of larger expenses or consolidating existing balances, provided the balance is repaid before the promotional period ends.

Issuer Bank of Scotland
Network Mastercard
Primary Category Balance Transfer
Loyalty Scheme
Incentive on opening None
Cashback rate (if applicable) No cashback scheme
Account Fees £0
Purchases 0% for 17 months reverting to 24.94% (variable) p.a.
Purchases Interest Free Period 56 days
Balance Transfers 0% for 17 months then 24.94% (variable) p.a. (2.99% fee for 3 months)
Balance Transfer Fee (%) 5.00%
Cash Advances 24.94% (variable) p.a. (fees apply)
Minimum Credit Limit £ 0.00
Maximum Credit Limit Subject To Status

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

Bank of Scotland

Platinum Low Fee 0% Balance Transfer

4.1

OUR RATING

Representative APR

24.9% APR (variable)

Purchases

0% for up to 6 months, then 24.90% (variable) p.a.

Balance Transfers

0% for 22 months then 24.94% (variable) p.a. (1.99% fee for 3 months)

Account Fees

£0

Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 24.94% (variable) p.a., most accepted customers get a rate of 24.9% APR (variable).

4.1

OUR RATING

Quick Look

The Platinum Low Fee 0% Balance Transfer card offers up to 22 months of 0% interest on balance transfers, providing nearly two years to pay off existing debt. It also includes 6 months of 0% interest on purchases, making it a flexible option for managing both new and existing balances, provided repayments are made in full before the promotional periods end.

Issuer Bank of Scotland
Network Mastercard
Primary Category Balance Transfer
Loyalty Scheme
Incentive on opening None
Cashback rate (if applicable) No cashback scheme
Account Fees £0
Purchases 0% for up to 6 months, then 24.90% (variable) p.a.
Purchases Interest Free Period 56 days
Balance Transfers 0% for 22 months then 24.94% (variable) p.a. (1.99% fee for 3 months)
Balance Transfer Fee (%) 5.00%
Cash Advances 24.94% (variable) p.a. (fees apply)
Minimum Credit Limit £ 0.00
Maximum Credit Limit Subject To Status

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

Barclaycard

All Rounder Platinum

4.0

OUR RATING

Representative APR

24.9% APR (variable)

Purchases

0% for up to 24 months

Balance Transfers

0% for 21 months then 24.94% (variable) p.a. (2.95% fee)

Account Fees

£0

Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 24.90% (variable) p.a., most accepted customers get a rate of 24.9% APR (variable).

4.0

OUR RATING

Quick Look

The All Rounder Platinum credit card is an option for those seeking extended interest-free periods on both purchases and balance transfers. It also comes with the added benefit of no annual fees, making it a flexible choice for managing short- to mid-term borrowing.

Issuer Barclaycard
Network Visa
Primary Category Balance Transfer
Loyalty Scheme
Incentive on opening 0% interest purchase offer for up to 23 months and up to 20 months for balance transfers
Cashback rate (if applicable) No cashback scheme
Account Fees £0
Purchases 0% for up to 24 months
Purchases Interest Free Period 56 days
Balance Transfers 0% for 21 months then 24.94% (variable) p.a. (2.95% fee)
Balance Transfer Fee (%) 2.95%
Cash Advances 24.90% (variable) p.a. (fees apply)
Minimum Credit Limit £ 50.00
Maximum Credit Limit Subject to application, financial circumstances and borrowing history

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

Barclaycard

The Amazon Barclaycard

3.7

OUR RATING

Representative APR

28.9% APR (variable)

Purchases

0% for 6 months, then 28.90% (variable) p.a.

Balance Transfers

Not available

Account Fees

£0

Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 28.9% (variable) p.a., most accepted customers get a rate of 28.9% APR (variable).

3.7

OUR RATING

Quick Look

The Amazon Barclaycard is designed for frequent Amazon shoppers, offering no annual fees while allowing cardholders to earn Amazon Rewards points. Additionally, the card provides 0% interest on purchases for the first 6 months, making it a good choice for making new purchases interest free.

Issuer Barclaycard
Network Visa
Primary Category Rewards
Loyalty Scheme Amazon Rewards
Incentive on opening Get a £20 Amazon Gift Card added to your Amazon account upon approval.
Cashback rate (if applicable) Get 1% back in rewards when you shop on Amazon; 0.5% back everywhere else; Amazon Prime members get 2% back in rewards during eligible Amazon key shopping events, like Prime Day. Earn £5 in rewards then transfer a £5 Amazon Gift Card to your linked Amazon.co.uk account – or let them keep growing.
Account Fees £0
Purchases 0% for 6 months, then 28.90% (variable) p.a.
Purchases Interest Free Period 57 days
Balance Transfers Not available
Balance Transfer Fee (%)
Cash Advances 28.90% (variable) p.a. (fees apply)
Minimum Credit Limit £ 500.00
Maximum Credit Limit Subject To Status

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

first direct

Gold Credit Card

4.0

OUR RATING

Representative APR

24.9% APR (variable)

Purchases

0% for up to 12 months, then 24.90% (variable) p.a.

Balance Transfers

24.90% (variable) p.a. ( fees apply)

Account Fees

£0

Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 24.90% (variable) p.a., most accepted customers get a rate of 24.9% APR (variable).

4.0

OUR RATING

Quick Look

The first direct Gold Credit Card is exclusive to existing first direct customers. It offers up to 12 months of 0% interest on purchases, making it suitable for those looking to spread the cost of new spending without incurring interest during the promotional period.

Issuer first direct
Network Visa
Primary Category Purchases
Loyalty Scheme
Incentive on opening 0% interest on purchases for the first 12 months. Make payments straight away using Apple Pay and Google Pay
Cashback rate (if applicable) No cashback scheme
Account Fees £0
Purchases 0% for up to 12 months, then 24.90% (variable) p.a.
Purchases Interest Free Period 56 days
Balance Transfers 24.90% (variable) p.a. ( fees apply)
Balance Transfer Fee (%) 0.00%
Cash Advances 29.90% (variable) p.a. (fees apply)
Minimum Credit Limit £ 500.00
Maximum Credit Limit Subject To Status

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

Halifax

Purchase & Balance Transfer

4.0

OUR RATING

Representative APR

24.9% APR (variable)

Purchases

0% for up to 17 months, then 24.94% (variable) p.a.

Balance Transfers

0% for 17 months, then 24.94% (variable) p.a. (2.99% fee for 3 months)

Account Fees

£0

Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 24.94% (variable) p.a., most accepted customers get a rate of 24.9% APR (variable).

4.0

OUR RATING

Quick Look

The Halifax Purchase & Balance Transfer credit card offers up to 17 months of 0% interest on both purchases and balance transfers. It’s a well rounded option for those looking to spread the cost of new spending or consolidate existing balances within an interest free period.

Issuer Halifax
Network Mastercard
Primary Category Balance Transfer
Loyalty Scheme
Incentive on opening 0% for up to 17 months on purchases and balance transfers (transfers must be made within the first 90 days).
Cashback rate (if applicable) No cashback scheme
Account Fees £0
Purchases 0% for up to 17 months, then 24.94% (variable) p.a.
Purchases Interest Free Period 56 days
Balance Transfers 0% for 17 months, then 24.94% (variable) p.a. (2.99% fee for 3 months)
Balance Transfer Fee (%) 5.00%
Cash Advances 24.94% (variable) p.a. (fees apply)
Minimum Credit Limit £ 0.00
Maximum Credit Limit Subject To Status

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

Halifax

Longest 0% Balance Transfer

4.6

OUR RATING

Representative APR

24.9% APR (variable)

Purchases

0% for up to 6 months, then 24.94% (variable) p.a.

Balance Transfers

0% for 27 months, then 24.94% (variable) p.a. (3.49% for 3 months)

Account Fees

£0

Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 24.94% (variable) p.a., most accepted customers get a rate of 24.9% APR (variable).

4.6

OUR RATING

Quick Look

The Halifax Longest 0% Balance Transfer credit card offers up to 27 months of 0% interest on balance transfers, making it one of the longer balance transfer options currently available. It may suit individuals looking to spread repayments on existing debt over a longer period without incurring interest.

Issuer Halifax
Network Mastercard
Primary Category Balance Transfer
Loyalty Scheme
Incentive on opening 0% interest on Balance Transfers for 27 months
Cashback rate (if applicable) No cashback scheme
Account Fees £0
Purchases 0% for up to 6 months, then 24.94% (variable) p.a.
Purchases Interest Free Period 56 days
Balance Transfers 0% for 27 months, then 24.94% (variable) p.a. (3.49% for 3 months)
Balance Transfer Fee (%) 5.00%
Cash Advances 24.94% (variable) p.a. (fees apply)
Minimum Credit Limit £ 0.00
Maximum Credit Limit Subject To Status

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

HSBC

Premier Credit Card

4.1

OUR RATING

Representative APR

23.9% APR (variable)

Purchases

0% for up to 9 months, then 23.90% (variable) p.a.

Balance Transfers

0% for 18 months then 23.90% (variable) p.a.

Account Fees

£0

Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 23.90% (variable) p.a., most accepted customers get a rate of 23.9% APR (variable).

4.1

OUR RATING

Quick Look

The HSBC Premier credit card is a well rounded option offering 0% interest on purchases and balance transfers for introductory periods. It also features cashback incentives, making it suitable for individuals looking to manage spending and debt while earning rewards.

Issuer HSBC
Network Mastercard
Primary Category Rewards
Loyalty Scheme Points
Incentive on opening 0% interest on Balance Transfers for 18 months when transfers are made within the first 60 days. Get access to more than 1,300 airport lounges worldwide with Priority Pass at £24 per person per visit
Cashback rate (if applicable) For every £1 of eligible spend, you’ll earn 1 reward point if it’s in sterling or 2 reward points if it’s in another currency.
Account Fees £0
Purchases 0% for up to 9 months, then 23.90% (variable) p.a.
Purchases Interest Free Period 56 days
Balance Transfers 0% for 18 months then 23.90% (variable) p.a.
Balance Transfer Fee (%) 2.99%
Cash Advances 29.90% (variable) p.a. (fees apply)
Minimum Credit Limit £ 1,500.00
Maximum Credit Limit Subject To Status

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

HSBC

Purchase Plus

4.5

OUR RATING

Representative APR

24.9% APR (variable)

Purchases

0% for up to 20 months, then 24.90% (variable) p.a.

Balance Transfers

0% for 17 months, then 24.90% (variable) p.a.

Account Fees

£0

Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 24.90% (variable) p.a., most accepted customers get a rate of 24.9% APR (variable).

4.5

OUR RATING

Quick Look

The HSBC Purchase Plus credit card offers 0% interest on purchases for the first 20 months, along with 0% interest on balance transfers for the first 17 months. This makes it a versatile option for managing both new spending and existing debt without incurring interest during the promotional periods.

Issuer HSBC
Network Visa
Primary Category Purchases
Loyalty Scheme
Incentive on opening There's no annual fee for the Purchase Plus Credit Card.
Cashback rate (if applicable) No cashback scheme
Account Fees £0
Purchases 0% for up to 20 months, then 24.90% (variable) p.a.
Purchases Interest Free Period 56 days
Balance Transfers 0% for 17 months, then 24.90% (variable) p.a.
Balance Transfer Fee (%) 3.49%
Cash Advances 29.90% (variable) p.a. (fees apply)
Minimum Credit Limit £ 500.00
Maximum Credit Limit Subject To Status

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

HSBC

Rewards Credit Card

4.7

OUR RATING

Representative APR

23.9% APR (variable)

Purchases

0% for up to 6 months, then 23.90% (variable) p.a.

Balance Transfers

0% for 6 months, then 23.90% (variable) p.a. (2.99% fee)

Account Fees

£0

Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 23.90% (variable) p.a., most accepted customers get a rate of 23.9% APR (variable).

4.7

OUR RATING

Quick Look

The HSBC Rewards credit card is designed for HSBC customers, offering a points scheme on purchases made in GBP with no annual fees. Cardholders also earn double points on purchases made in other currencies, making it a versatile rewards card for local and international spending.

Issuer HSBC
Network Mastercard
Primary Category Rewards
Loyalty Scheme Points
Incentive on opening Get 2,500 welcome points worth £25 when you make your first transaction on your card. Get another 2,500 bonus points when you spend £10,000 or more on your card in the first year.
Cashback rate (if applicable) For every £1 of eligible spend, you’ll earn 1 reward point if it’s in sterling or 2 reward points if it’s in another currency.
Account Fees £0
Purchases 0% for up to 6 months, then 23.90% (variable) p.a.
Purchases Interest Free Period 56 days
Balance Transfers 0% for 6 months, then 23.90% (variable) p.a. (2.99% fee)
Balance Transfer Fee (%) 2.99%
Cash Advances 29.90% (variable) p.a. (fees apply)
Minimum Credit Limit £ 500.00
Maximum Credit Limit Subject To Status

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

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