UK Credit Card Solutions
Credit cards from the main UK issuers - we recommend the very best deals on credit cards sourced in the UK. Everything from 0%
APR deals through to specialist Football Clubs and Charity branded
credit cards carrying the MasterCard®, Visa or Amex logo's.

Overview
We aim to provide you with the best deals available on a variety of credit cards
from well known credit card issuers. Every card listed is a real credit card
issued in the UK and not a prepaid card or debit card. You can also rest assured
they all carry the MasterCard, Visa or American Express logo - NOT the Maestro,
Cirrus or Switch branding as is more commonly seen on many debit cards in
circulation. Also NEW to our credit card section is the
Vanquis Visa Credit Card
which is ideally suited for people who have been turned down or refused credit.
Vanquis - the issuers, consider all forms of adverse credit and they would like to give you the
credit you deserve. Our Top UK Credit Card Deals section
offers a wide selection of starter cards right through to the more prestigious
platinum credit cards available from the top names in the industry such as
Morgan Stanley, Barclaycard, RBS, Marbles, Cahoot, American Express Nectar, Virgin Money (who rank
2nd on the Money Facts best buy tables as at 29th December 2006), Lloyds
TSB and MBNA - great names offering fantastic credit card deals for new
customers, 0% per annum on balance transfers for 9 months, 0% on purchases for a
fixed period, cashback deals and low standard APR's. Charity branded credit cards are a great way of showing your
support for your chosen charity - organisations such as The World Wildlife Fund
(WWF), The National Trust, Breakthrough Breast Cancer, The British Heart
Foundation (BHF) and The Royal Society for the Prevention of Cruelty to Animals (RSPCA)
... there is a charity branded credit card for everyone. * 0% per annum on
balance transfers and/or retail purchases
(see individual card issuers for full details) ...
 |
|
Capital One Classic Visa Credit Card
Capital One invite applications from people with a poor credit rating and with a
Capital One Classic card, you could strengthen your credit history.
- NO Annual Fee
- Between £200 - £1500 (Spending Power)
- FREE Card Design Choice
- Spread Your Payments
- Accepted In Over 20 Million Outlets
- Use At Over 800,000 ATM's Worldwide
- FREE Identity Theft Service
- Typical 34.9% APR Representative Variable
Representative Example:
34.9% APR Representative Variable
34.94% PA Variable On Purchases
£1200 Credit Limit
Capital One (Europe) PLC - Trent
House, Station Street, Nottingham, NG2 3HX
|
 |
|
Start your easy 1 page application form
online now for a 'Response in 1 Minute'.
Apply
NOW |
 |
Virgin Money PAYG Prepaid Visa
Carrying on through into 2011, the Virgin Money
PAYG Prepaid Visa card from Virgin Money UK.
You spend on the Virgin Money
PAYG Prepaid
Visa card just like a credit card and you can use it all the
same places as you would use a Visa credit card.
The difference between using the prepay card as opposed to a
credit card is that you load it up with cash before you shop
rather than paying for it after.
|
 |
|
The Virgin Money PAYG Prepaid Visa card
from the brand name Virgin Money UK.
Apply NOW |

|
Provident Budget Loan Replaces Visa Debit Card
The Provident Budget Loan now replaces the Provident Visa debit card from Provident Finance
- if you've had credit problems in the past and have things like a
County Court Judgement (CCJ) on your credit record, Provident
understands that you might be finding it difficult to borrow the
money you need.
Provident offer loans even if you have CCJ's and may be able to help
with a cash loan of £50 to £500. Their simple weekly repayment loans
can be spread over 23, 31 or 52 weeks so you can make sure that your
payments suit you.
Spend your budget loan as you wish - all loans benefit from the
Provident promise:
- NO Credit Checks
- Small Affordable Weekly Payments
- NO Bank Account Required
- NO Extra Fees (even if you miss a payment)
- Cash Delivered To Your Door
|
 |
|
The NEW Provident Budget Loan replaces the Provident Visa debit card - apply online now for the Provident
Budget Loan.
You MUST be aged 30 years or over to apply for the Provident Budget
Loan.
Apply
NOW |
|

|
Kalixa Prepaid MasterCard & eAccount
Introducing Kalixa, the UK's premier prepaid MasterCard - a real bargain in
the prepaid card market.
|
|
|
Kalixa prepaid MasterCard and eAccount - FEE FREE electronic deposits and
transfers and now voted Best Newcomer Prepaid Card in 2011.
HIGHLY RECOMMENDED
Apply NOW
|
 |
|
You can now load the Kalixa pay as you go MasterCard via online
banking which just happens to be the most cost effective way of
loading up the card.
Plus, the Kalixa prepaid MasterCard and eAccount is the winner of
the BEST Newcomer Prepaid Card in the 2011 Prepaid 365 Consumer
Awards.
|
 |
|
|
|
|
Vanquis Visa Credit
Cards The NEW Vanquis Visa credit card -
poor and bad credit
considered (NOT guaranteed acceptance however ALL non status applications will
be considered).

Read
More
Credit Cards
 |
Charity Branded Credit Cards
Introducing 0% offers on WWF Credit Card, The National Trust Card, Breakthrough
Breast Cancer Card, The RSPCA Card and The BHF MasterCard. |
 |
Football Club Credit Cards
Man Utd, Liverpool, Arsenal, Newcastle Utd, West Ham Utd, Tottenham Hotspur,
Chelsea, Celtic & Rangers. |

Top Most Competitive UK Credit Card Deals
Fantastic deals from well known credit card issuers in the UK.
 |
|
Capital One
Classic
'Response in 1 Minute'
Easy 1 Page Application
Representative Example:
34.9% APR Representative Var.
34.94% PA Var. On Purchases
£1200 Credit Limit
Capital One (Europe) PLC - Trent
House, Station Street, Nottingham, NG2 3HX
Apply
NOW
|

|
|
Vanquis Visa
Credit Card
ALL Adverse Credit Considered
Representative
39.9% APR (Var.)
Representative Example:
Typical 39.9% APR Variable
Based On £0 Annual Fee
£1000 Credit Limit
Apply
NOW
|

|
|
Virgin Money
0% Per Annum *
16.8% APR (Variable)
Representative Example:
Typical 16.8% APR Variable
Purchase Rate 16.8% PA Var.
£1200 Credit Limit
Apply
NOW
|
|
|
Capital One World Card
5% Cashback On All Purchases *
£10 Bonus Credit Every January
Representative Example
19.94% APR Rep. Var.
19.9% PA Var. On Purchases
£1200 Credit Limit
£18 Annual Fee
Capital One (Europe) PLC - Trent House,
Station Street, Nottingham, NG2 3HX
Apply
NOW
|
 |
|
Halifax Credit
Card
Sensational 0% *
17.9% APR (Variable)
Representative Example:
Typical 17.9% APR Variable
Based On £0 Annual Fee
Purchase Rate 17.95% PA Var.
£1200 Credit Limit
Apply
NOW
|
 |
|
Virgin Atlantic
Amex Card
0% Per Annum *
17.9% APR Typical (Variable)
Representative Example:
Typical 17.9% APR Variable
Based On £0 Annual Fee
£1200 Credit Limit
Apply
NOW
|
 |
|
Virgin Atlantic Amex Black
0% Per Annum *
18.9% APR Typical (Variable)
Representative Example:
Typical 18.9% APR Variable
Equiv. To 47.2% APR Rep. Var.
Based On £140 Annual Fee
£1200 Credit Limit
Apply NOW
|
 |
|
Bank of
Scotland All-in-One
0% Per Annum *
17.9% APR (Variable)
Representative Example:
Typical 17.9% APR Variable
Purchase Rate 17.95% PA Var.
Based On £0 Annual Fee
£1200 Credit Limit
Apply
NOW
|
|
|
Bank of Scotland Exclusives
0% Per Annum *
17.9% APR (Variable)
Representative Example:
Typical 17.9% APR Variable
Purchase Rate 17.95% PA Var.
£1200 Credit Limit
Apply
NOW
|
|
|
Amex Platinum Charge Card
Comp. VIP Lounge Access
Many Benefits | £300 Annual Fee
Representative Example:
Based On £300 Annual Fee
Apply
NOW
|
|
|
BA American Express Card
No Annual Fee
19.9% APR Typical (Variable)
Representative Example:
Representative 19.9% APR Var.
Based On £0 Annual Fee
Apply
NOW
|
|
|
BA Premium Plus Amex Card
Collect BA Air Miles + Bonus
Representative 50.1% APR (Var.)
Representative Example:
Typical 50.1% APR Variable
Based On £150 Annual Fee
£1200 Assumed Borrowing
Int. Rate 19.9% Var. Annual
1.53% Per Month
Apply
NOW
|
|
|
Express Rewards Amex Card
Earn Points For £'s Spent
17.9% APR Typical (Variable)
Representative Example:
Typical 17.9% APR Variable
Apply
NOW
|
 |
|
Preferred Rewards Gold
Enjoy Travel Rewards
£95 Annual Fee
Representative Example:
Based On £95 Annual Fee
Apply
NOW
|
|
|
Capital One Click Card
Great For Online Shopping
Low APR On Purchases
Representative Example:
9.9% APR Representative Var.
9.94% PA Var. On Purchases
£1,200 Credit Limit
Apply NOW |
|
|
|
Design Your Own Card
NOW AVAILABLE
Carries MasterCard Logo
More INFO |
|
A personalised card such as Kalixa, allows you to load multiple times and up to £9,000. Any Visa or MasterCard issuer will attempt verify the individuals identity to protect against fraud and to comply with anti-money laundering regulations.
There is a charge for customer service calls which is unfortunate. However, this is one of the few places that there are charges, unlike some of the competitors you mention whereby there is a monthly charge for having the card, a charge on transactions or a requirement to load a certain value each month.
Kalixa places no such restriction and given that you can load £3,000 for 99p and then spend this without any transaction fees, I would suggest this is actually a very competitive overall cost structure.
I would always recommend that emails to customer service are free and that you can use this method to avoid such costs.
Finally, the majority of card issuers will charge a cancellation fee when you close the account. Again, check the small print with the examples you cite. This is not simply a ruse to generate extra profit but a necessity to cover costs with issuing the cards and managing the accounts.
Prepaid cards have different sources of charges from credit cards or debit cards linked to traditional bank accounts. Consider the excess fees, interest charges etc. that you are liable for with a credit card and you will see thaat prepaid cards provide an alternative approach.
If you have any issue, please contact Kalixa customer services to get in touch with me.
Phil Campbell
Head of Marketing
Vincento Payment Solutions - Kalixa MasterCard Issuers
On return to the UK I was informed by Kalixa that I was the subject of a security check and my account had been suspended. Luckily I was able to access other funds otherwise the trip would have been an utter disaster. I sent requested documentation but Kalixa state that they never received them.
Have just sent further copies and still waiting to get access to my cash nearly four weeks later. Bad show Kalixa, you should do any checks prior to initiating processes to avoid disappointment at a later date.
If you can't be found on their systems, you'll need to send in the appropriate ID.
That's okay but so many other cards such as the two I mentioned are offering 100% guranteed acceptance.
Kalixa also charge 30p a minute to make a customer service call, it's pointless signing up to such a scheme when much better deals are available.
Beware, once you have applied and paid the fees, they will refuse to refund if you decide not to proceed.
It seems Provident have moved the goal posts and are only accepting people 30 and above.
I'm now back here looking for a low rate card I can move my balance onto now that I've had the Vanquis card for 6 months.
Fingers crossed, I'll give Virgin a try I think.
I see the card is a gift card which is fine for now but can you ask MC if they will let us produce a personalised card in the near future which can be reloaded with funds over and over please.
Thanks once again, have been looking for a design your own card for ages.
Capital One treated me very fairly and I received my card in 10 days.