Credit cards, if managed sensibly, can be a useful tool to ease those days betweeen wage packets as well as offering fringe benefits including protection of online purchases.
If you are looking for a credit card to ease your financial situation, transfer an existing balance or upgrade your credit card then we hope you find our guide useful. Herein contains links to all of the major credit card providers as well as unbiased description of their service against our strict standards.
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
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 Barclay Card Platinum:
With Barclaycard Platinum customers can benefit from 0% interest on balance transfers for 12 months (2.5% handling fee applies) as well as 0% interest on purchases for 3 months and a typical APR of 14.9% (variable).
 Click here to visit the Barclay Card website
 MBNA Platinum Cards:
The MBNA Platinum Plus MasterCard has 0% p.a. on balance transfers (a handling fee applies) for 9 months from the date the account is opened and 15.9% APR (variable). Plus, if your application is successful the rate you apply for is the rate you'll get - no exceptions! Unlike other cards on the market, this carries no annual fee or excess to pay for theft, loss or fraudulent Internet use. MBNA also provide a free 24-hour worldwide telephone helpline and online banking services.
Click here to visit the MBNA website
 RSPCA Platinum Mastercard:
Have a heart, introducing you to the credit card that helps the RSPCA continue their work to prevent cruelty and promote kindness to animals. For every application, the card issuers, Beneficial, will make an immediate contribution of £15 to the RSPCA. Benefit from 0% balance transfers fixed for 5 months from account opening and typical 16.9% APR variable.
Click here to visit the RSPCA website
 Egg:
Simply fantastic Television adverts, whose debt worried hamsters have been carried onto their website . Egg offer Balance transfers*: 0% until 1st October 2007 Purchases: 0% until 1st July 2007 APR: 16.9% typical variable 0% Anniversary offer (Plus Fee*) made in January 2008 and January 2009 See your various accounts in one place for free with Egg Money Manager Great offers with selected online retailers *On all balance transfers there is a 2.5% handling fee.
Click here to visit the Egg Website
Citi:
Citi Bank offer both the Citi / AAdvantage Visa Gold Card, enabling you to earn air miles as you use the card or the Citi Platinum MasterCard. Both offer free purchase protection, online fraud guarantee and no annual fee.
Click here to visit the Citi website
 Goldfish:
Providing jargon free accessibility on its website, Goldfish users get points that can be redeemed on leisure activities and vouchers for high street retailers. Couple this with a typical rate of 17.9% APR variable and no Annual fee.
Click here to visit the Goldfish website
 Mint:
They ask you to restore the clever-dumb balance with a MINT Card, and their website is easy to navigate with clear labels, pop ups and an efficient application process. Mint is a subsidiary of the Royal Bank of Scotland and offers a typical APR of just 15.9%.
Click here to visit the Mint website
 Capital One:
Capital One keep going from strength to strength, a leading credit card issuer with over 46 million customers worldwide and a competitive 34.9% APR. Ear marked for applicants who want to strengthen their credit rating.
Click here to visit the Capital One website
 Virgin Money :
Things get a lot more interesting when you say yes: Offering a typical rate of just 15.9% APR. Customers also get a 10% Discount at Virginmega.co.uk.
Click here to visit the Virgin Money Website
 Smile - The Internet Bank:
Voted the 'best credit card' for the fourth year running at the Guardian Consumer Finance Awards 2002, 2003, 2004 and 2005 . Smile offer a hassle free online banking experience , and customers can also use any Link cash machine.
Click here to visit the Smile website
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