Spending with UK personal credit cards is commonplace in this part of the world. To meet high demands of consumers, credit card companies and banks have developed a wide variety of card types. With these credit cards, people would find all types of features, services, rewards, and more. Because the selection is so vast, anyone looking for a personal UK credit card should expect to spend time and effort in finding the card that would serve them best.
With so many options for personal UK credit cards, we wanted to make the search a little less complicated and stressful. From the information provided below, you can see just a sample of the best personal cards currently being offered. However, because qualification depends on different criteria, people need to read all the terms and conditions of a credit card prior to submitting an application.
Keep in mind that some UK personal credit cards are standard MasterCards, Visas, American Express cards, etc. However, many of the personal cards are geared toward supporting a specific cause. As an example, a person could choose a card that supports the fight against animal cruelty in which a percentage of purchases made would be donated to an animal rights organization.
• Virgin Credit Card – This personal UK credit card is a popular choice for a number of reasons. First, it offers a 0% interest rate for the first 14 months after being approved. After that time, the regular interest is set at 16.6%. In addition, balance transfers are allowed for a low fee although for the first three months, interest would be at 0%.
• Egg Visa Credit Card – Once approved for this personal credit card, the cardholder would enjoy no interest throughout September of 2011. Once that introductory period ends, the interest would be set at 17.9%. In addition, balance transfers are offered at 0% interest throughout October 2011 and after that time, a 3% fee would be charged on the amount being transferred.
• Halifax All in One – This personal UK credit card is another one that many people love having. In addition to being a MasterCard that is accepted for purchases and payments around the world, this card also have 0% interest for the first 10 months. The regular interest after the introductory period is competitive at 15.9%.
• American Express Platinum Cash Back Credit Card – For the person with excellent credit and good income, this American Express card is a great choice. While the regular interest is a little higher than some of the other personal UK credit cards at 19.9%, cardholders would enjoy a liberal spending limit, as well as a cash back rewards program that literally pays the cardholder cash for purchases made with the card.
• The Creation Credit Card – For a full 15 months, the Annual Percentage Rate is 0%, which then changes to a modest 16.9%. For balance transfers, interest would be set at 0% for three months but after that time, a fee equaling 2.98% would apply.
• Sainsbury’s Credit Card – This personal UK credit card is for Nectar cardholders only and known as a favorite. The introductory period lasts 12 months with 0% interest, which then changes to a regular APR of 15.9%. As a balance transfer card, this is an excellent choice in that 0% is charged on all transfers for 12 months.
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