Purchases Representative APR (Variable) Rewards 
3.5% fee
- Music
- 0% on balance transfers for 26 months
- £10 fee refund offer on balance transfers over £2000
- 0% on purchases for 6 months from account opening
- Barclaycard Unwind - exclusive access to music events, tickets to shows and live sessions. Keep up-to-date with news about artists and bands.
- Contactless payment for items up to £20
- You must have an excellent credit rating
3.1% fee
- Cashback
- 0% on purchases for 12 months
- 0% on balance transfers for 20 months
- Unlimited cashback - 0.5% on all sterling purchases
- Unlimited commission-free purchases abroad
- Low APR rate of 12.9%
- To apply for this card you must hold a Nationwide FlexAccount with a Visa debit card (not cash card+) or you can apply for a FlexAccount at the same time
0% fee
- Music
- Low APR of only 7.9%
- No balance transfer fee
- Barclaycard Unwind - exclusive access to music events, tickets to shows and live sessions. Keep up-to-date with news about artists and bands.
- Contactless payment for items up to £20
- You must have an excellent credit rating
2.4% fee
- Music
- 0% interest on balance transfers for 25 months
- Your fee is reduced from 3.5% to just 2.4%
- 0% on purchases for 6 months from account opening
- Barclaycard Unwind - exclusive access to music events, tickets to shows and live sessions. Keep up-to-date with news about artists and bands.
- Contactless payment for items up to £20
- You must have an excellent credit rating
3.1% fee
- Shopping
- Travel
- 0% on balance transfers for 20 months
- Ideal for overseas spending
- Commission free foreign transactions
- Simply Rewards scheme - offers on major brands
- Good credit history required
Credit Card Deals
Credit cards have revolutionised the way we spend our money - online and on the high street. Anyone with a credit record can apply for one, and successful applications are made on the basis that a cardholder must pay the balance of their purchases at the end of the month, or, alternatively, let the balance accumulate with interest. They differ from charge cards in the way that a charge card requires the full balance amount to be paid for at the end of each month. There is typically a minimum amount that the credit card holder has to pay off every 30 days, and many of these services are issued by credit companies and banks.
There are many different types of cards, so it's important to do your research and find out what the best one is for you. Some different types of credit cards include reward cards, 0% interest cards and charity cards. They can be very advantageous to consumers if used correctly, especially as many credit cards offer rewards, points or even cashback every time you use the card. As long as you pay off the balance on time, you can even make money from them.
Aside from the rewards you get for using your card, there are also money-saving and security advantages to applying for one. If you travel frequently, it's worth noting that when you use your card abroad, it is much cheaper than getting cash from an ATM machine. Also, if you purchase goods that are faulty, using a credit card to make purchases protects you from losing money. Having a credit card is also one way that you can prove your financial responsibility and credit rating. This means that your financial options will be broader, so that you improve the chance of being offered a loan, mortgage or another card with better rewards and lower interest.
Credit cards also prove extremely useful when an unexpected event or emergency arises, such as an accident, a cancelled flight or if you're ever stuck somewhere with no cash. It is also a lot safer to have the option of not dealing in physical money. If you lose £100 in cash, you will not be protected like you are when you misplace a credit card. Thanks to the Consumer Credit Act of 1974, you are also protected against fraudulent purchases in a way that a debit card can't.