Credit Cards, by Card Type
Credit Cards by Credit Type
Credit Cards, by Issuer
Loans and Financing
UK Credit Cards: Rewards Cards
Rewards Cards. Many credit cards offer rewards of one type or another; some offer rewards points for making certain types of purchase, and you may be able to then use the points to shop via a special website; or, with some cards, you may even be able to get a cash value for your accumulated rewards points. Needless to say, the offers vary according to which credit card is offering the deal. There certainly are some good rewards cards available, but it would be foolish to think that you are going to be getting something for nothing. As you can guess, credit card companies don't make money by giving too much away. For example, if a credit card with a 30% APR is offering you 1% in Rewards Points on every purchase you make, it doesn't take too much in the way of mathematics to see that a card with a 15% APR offering no rewards is probably a better offer.
However, by comparing some of the credit card offers listed below, each of which have their benefits, you will be able to choose the credit card which suits your purposes best.
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 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.
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.
With its minimum
of £15,000 credit limit you can guess that the NatWest Black Credit Card is a shade different to most other credit cards. However, although you don't need to be super-rich to apply for this exclusive credit card, the NatWest Black Card is typically available only to UK residents aged 25 years or more and who manage to scrape by on an annual income of £75,000 or more. However, fear not if your income (like most) happens to be below this, as your application may still be accepted so long as NatWest are happy you can repay the minimum £15,000 credit limit.
The NatWest Private Banking Credit Card is a card which offers a discounted APR, and is exclusively for NatWest Private Banking customers. With an APR around 2% lower than the standard rate on other NatWest credit cards, if you're already a Private Banking customer with NatWest then this card definitely offers you a good deal. Alternatively, for those not already a Private Banking customer of NatWest, then you don't need a Rolls Royce to become a member, it's simply a special service, at a cost of a few pounds a month, which aims to provide customers with top-notch service and a range of special benefits unavailable to mere mortals with ordinary accounts.
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.
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