Credit Cards, by Card Type
Credit Cards by Credit Type
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NatWest Classic Credit Card
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Well, the NatWest Classic Credit Card should not prove too confusing; offering all the standard features that most people want, plus a very competitive APR, but without the plethora of bells and whistles that accompany many credit card offers, sometimes less really is more.
As with other NatWest credit cards, you can check your account online at any time, and you can also help to avoid late-fees by paying your credit card bill with direct debit. You can pay just a portion of your bill or the full amount and, so long as you always have the funds in your bank account, you should avoid incurring late-fees.
Additionally, you can also transfer funds from your NatWest Classic account to any other UK bank account; this can be particularly useful for ensuring that you have sufficient funds to cover a cheque, for example, or to avoid overdraft charges. While obviously dependent on your credit limit, you can also use your NatWest credit card to withdraw up to £300 cash per day from ATM's around the world; meantime, should you need your credit increased, then you can ask for a review after six months of having the card.
There is no annual fee on this card, and NatWest also offer very good introductory rates for balance transfers and purchases; there is also no fee for balance transfers to your NatWest account. Plus, if you pay your credit card balance - as well as your previous month's balance - in full, and on time, every month, you can take advantage of up to 56 days' interest-free credit on all purchases made with your NatWest Classic Credit Card.
The credit card application at NatWest website is simple enough to navigate, but make sure you have your bank account details to hand before you begin. Approval for the card will be based on a number of factors, not least of which will be your credit score and history, together with your salary. However, so long as you are over 18, are resident in the UK, have at least a reasonable credit record, and you earn at least £10,000 a year, then your chances for approval are reasonable. Many applicants will find out if they are approved right away, others may need to wait a few days; however, once you have been approved, then you should receive your card within a week or two.
Information on all NatWest Bank Products at CreditShop.at NatWest Black Credit Card
NatWest Classic Credit Card
NatWest Platinum Credit Card
NatWest Private Banking Credit Card
NatWest Student Credit Card
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3V Vouchers provide an entirely new way to shop online, without needing to use your credit card or debit card. 3V Vouchers are disposable, prepaid VISA numbers that can be purchased by anyone who is aged 16 or over, with use of a mobile phone and an email address, and can be used to shop online, via mail order or over the telephone, just as you would do using a normal credit card. There are several obvious advantages to using this type of service, but most especially security, since 3V Vouchers negate the need for you to use your actual credit card or debit card.
The American Express Card is not your typical credit card, and offers many benefits which the usual run-of-the-mill cards do not. However, to be more accurate, the American Express Card (Green) is a charge card, as opposed to a credit card. So, rather than paying interest on a balance each month, you are required to settle the balance each month; you therefore do not carry a balance and do not accumulate interest charges. You do, of course, need to be sure that you only spend up to a limit which you know you can pay off at the end of the month, otherwise you'll end up with late fees, etc.
The American Express Platinum Business Cashback Card provides all the benefits and features you'd expect from an American Express platinum card, but with this card your business can also take advantage of the savings and offers. A true credit card, as opposed to a charge card, there is a low annual fee for this card (lower than most other cards), you will receive up to 5% cash back on your spending up to £4000 for first 3 months, and even subsequent to that you'll receive 2% on almost every type of purchase. You'll also make big savings at companies such as Hertz and Crown Plaza, and with numerous other business expenses.
The American Express Platinum Charge Card is more than a cut above most other types of card, and provides a range of benefits that most card-holders can only wish for. For example, you will enjoy extensive travel and lifestyle benefits, lots of special offers and also travel advice and assistance when you need it. You can also enjoy airport lounge access and often, where available, upgrades and even special fares. Additionally, with the American Express Membership Rewards programme, most times you use your card, you'll accumulate points, which you can collect and later redeem for a variety of rewards.
The American Express Nectar for Business Credit Card has a fairly self-explanatory name and, as you might guess, is a credit card for business use, and one which also earns Nectar points. In fact, with the ability to earn 4 Nectar points on every £1 you spend at participating sponsors, there's rarely been a quicker way to collect Nectar rewards on your business purchases. Many big-name companies are sponsors (BP, Viking Direct, and Hertz, to name but a few), and so if you make regular purchases for your business by credit card, then this particular card is an ideal partner for you.
With the American Express Platinum Cashback credit card, every time you use your card, it will reward you with cash back, to spend exactly how you choose. Right now American Express is offering an introductory 5% cashback incentive for the first three months. In fact, the Platinum Cashback credit card boasts one of the highest introductory cashback rates on the market, and there is also no annual fee. The online application takes just a few minutes, and you'll get an almost instant decision regarding your application's success within 60 seconds.
Bank of Scotland All In One Credit Card provides essentially the same card as Halifax All In One Credit Card, except with different branding, and offers useful features to those wishing to obtain a new credit card, or who wish to transfer balances from store cards or other credit cards. If, in the first 90 days, you transfer your outstanding balances from other credit cards or store cards you'll pay 0% interest for an entire 9 months. All that you pay is a 3% fee, which is likely to work out as far less than you'd pay if you kept the balance on your existing cards.
The cashplus prepaid Gold MasterCard is a prepaid, personalised, Chip and PIN MasterCard card. Much like prepaid anything else - mobile phone or phone card, for example - the cashplus card is a payment card that works in similar way; you first need to put money on to the card before you are able to use it. Therefore it's different to both a debit card and a credit card, since it is neither linked to a bank account nor do you pay for your transactions at a later date. However, you can still use your cashplus prepaid card anywhere that accepts MasterCard - which is at over one million cash machines and millions of retail outlets worldwide.
E-Platinum Plus is a charge card provided by a company called E-Credit Plus. While it's not a company everyone will have heard of, the E-Platinum Plus card issued by E-Credit Plus does have benefits for some people, particularly for those unable to obtain credit cards elsewhere, for whatever reason. With a lifetime APR of 0% and no credit reference checks, and 100% guaranteed approval, the E-Platinum Plus charge card is therefore ideal for some people. The E-Platinum Plus card could therefore be a tool which those with less-than-perfect credit might wish to use to try and improve their credit record.
Halifax All in One Credit Card provides good all-round features to customers wishing to obtain a new credit card, or wishing to transfer balances from other credit cards or store-cards. Apply online today and if you transfer your outstanding balances from other credit or store cards in the first 90 days you'll pay 0% interest for an entire 9 months. All that you pay is a 3% fee; however, this is likely to work out as far less than you'd pay if you kept the balance on your existing cards. With an attractive APR, the Halifax All in One Credit Card provides is a good card.
The MBNA Business Card with bmi miles is an ideal credit card for those running a business, or operating as self-employed, and is useful for a number of reasons, including helping you to organise your time and business more efficiently. Being able to see all of your credit accounts at a glance and being able to keep track of your business expenditure in one place, it removes much of the administrative hassle and paperwork that usually ensues when running a business. Separating your business expenses from your personal expenses also makes a great deal of sense, and with a low APR and no annual fee, the MBNA Business Card with bmi miles provides a number of useful benefits to business owners.
The MBNA Business Credit Card is an ideal credit card for those running a business, or operating as self-employed, and is useful for a number of reasons, including helping you to organise your time and business more efficiently. Being able to see all of your credit accounts at a glance and being able to keep track of your business expenditure in one place, it removes much of the administrative hassle and paperwork that usually ensues when running a business. Separating your business expenses from your personal expenses also makes a great deal of sense, and with a low APR and no annual fee, the MBNA Business Credit Card provides a number of useful benefits to business owners.
Authorised and regulated by the Financial Services Authority, MNBA Bank provides a variety of credit card products. The MBNA Cashback Credit Card for Business is exactly what you'd expect - a credit card which is particularly useful for business use, and one where you can also enjoy the benefits of cashback (subject to terms and conditions, that equates to 0.5% cashback on all card purchases and double cashback on fuel purchases.) With the MBNA Business Credit Card you can also make use of unlimited additional cards for employees, where each card-holder can enjoy their own credit limit.
MNBA are the largest credit card provider in the UK, and have a range of credit cards to suit everyone, from cashback cards and business cards to low APR cards with 0% balance transfer fees, and many more. The MBNA Points Credit Card offers customers a range of these benefits too, but additionally provides Rewards Points. However, when redeeming your Rewards Points, unlike some cards, which have many restrictions, you can use to purchase a variety of goods and services, from travel and shopping to entertainment or a selection of fine wines. You can also exchange your points for cash if you wish to.
The Post Office Travel Money Card is one of the safest and simplest methods of taking your money abroad. There is no purchase fee and your Travel Money Card can be used in millions of shops and restaurants worldwide. In fact, your Post Office money card can be used anywhere that Visa Electron is accepted, including any ATM (i.e. cash machine) displaying the Visa logo worldwide. The card is, essentially, a pre-paid Visa card, but you can purchase the card in either euros, US dollars, or sterling. Secure, flexible, and convenient, the Post Office Travel Money Card is a great way to take control of your holiday currency.
With a minimum £15,000 credit limit you can guess that the Royal Bank of Scotland Black Credit Card is not your average, everyday credit card. However, although there are, of course, a few criteria, you don't need to be super-rich to apply for this exclusive RBS credit card. Although, the RBS Black Card is generally available only to UK residents aged 25 and older, and who enjoy an annual income of £75,000 or more, if your income happens to be below this, your application may still be accepted so long as RBS are happy you can accommodate the £15,000 credit limit.
The RBS Classic Credit Card is your standard, few-frills, work-horse credit card, providing everything that most people want from a credit card - a reasonable APR, reasonable credit limits, and the security and access to resources that come from a large financial group. So, if you prefer having a better APR than having all kinds of rewards points, benefits that you'll rarely take advantage of, and other perks and frills, then this is a good card for you, and gives you all the tools you need to go about your daily business.
Royal Bank of Scotland offer a variety of credit cards for different needs, and the RBS Student Credit Card is, as the name suggests, designed specifically for students (albeit anyone aged 18 and over can apply). The RBS Student Credit Card offers a few nice features that students may find useful, including discounts with brands such as Firebox.com, Snapfish, kitbag.com, MyMovieStream and Lonely Planet. The ability to settle the monthly credit card bill by direct debit, and thus avoiding late fees, is also a useful feature, and one that is not always available with some credit cards.
Vanquis Bank is a lot different to other lenders, and credit card limits are significantly lower than those of many other lenders. Maintaining a high level of customer contact throughout the life of the account, Vanquis Bank also have higher minimum repayments compared with the majority of other credit card providers, which thus helps customers pay off their credit card balance more quickly. While Vanquis Bank is relatively new, with Provident Financial as its parent, and a long history of success in the home credit industry, you should feel perfectly comfortable signing up with Vanquis.
Well-known for a range of other financial products, including the Virgin Prepaid Mastercard, the Virgin Credit Card is a Mastercard branded credit card which provides a number of benefits not available with other cards - including free travel accident insurance and free purchase protection insurance. Offering a competitive APR together with no annual fee and up to 50 days interest free on your card purchases, the Virgin Credit Card is a popular choice of card for many consumers, providing the ability to manage the credit card account 24/7, either online or by telephone.
Virgin Prepaid Mastercard, offered by Virgin Money, is an ideal card to have if you don't want - or need - a credit card, or if you are not able to obtain one because your credit rating is not high enough, or because you don't have a bank account, for example. The card can be used just as if it were a credit card, and can be used anywhere that MasterCard is accepted (including ATM machines). The difference between the Virgin prepaid card and a credit card is you load it up with money before you shop, instead of paying off your balance later, keeping both your budget intact and saving you interest charges at the same time.
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