UK Credit Card Deals

CreditCardSpecialist.com is an independent web recourse designed to help you find information about best credit card deals for all purposes and requirements. We are very serious at making you a personal finance guru and thus are ready to provide assistance.

Here you can find information on UK credit cards. You can use this site to compare UK credit card offers from major credit card issuers such as American Express and HFC bank.

The rates listed are updated on a regular basis and all the plastics that are named provide online application services.

UK credit card deals

American Express U.K.
Platinum Card

Typical 18.9% APR variable.
No Annual fee.
Online account management.

Apply Online!

UK credit card deals

American Express U.K.
Red Card

Typical 16.9% APR variable.
No annual fee for life.
1% of spend contributed to the global fund.

Apply Online!

UK credit card deals

HFC Bank
GM MasterCard®

Typical 14.9% APR variable.
No annual fee.
Free additional Card.

Apply Online!

UK credit card deals

American Express U.K.
Business Gold Charge Card

No pre-set spending limit.
No annual fee for the first year then £95.
Discounts on Everyday Business Purchases.

Apply Online!

• First of all, they are all for good and excellent credit histories. To find out your credit score consult with Equifax, Experian or Callcredit.

• Secondly, they are all annual fee free. This means you will not have to pay for just having a plastic. This is a good financial incentive available to you.

• Thirdly, they offer good rewards in the form of cash back and discounts at many outlets. So, with these plastics you can buy practically everything for lower prices. Starting from a cup of foaming espresso or a bottle of old whisky with American Express Platinum Card to Vauxhall or Saab with HFC GM Master Card.

• Last but not least, if you have a hefty balance on another plastic you can transfer it to one of the plastics offered on this site. The best deal may be HFC GM Master Card which offers 5 months introductory period with 0% APR after which APR will be the lowest of all credit cards - 14.9%.

With such a varied selection of plastics on the market you can easily get lost. It is sometimes quite difficult to choose even between three or four plastics. Especially, when they offer good terms and conditions. How to choose the best from the best? Here is a short guide to help you.

• The first point to consider is whether the plastic offers an introductory period with low APR. This may save you lots of money. Read terms and conditions to find out this information.

• Next you can look through interest rates. You should remember, though, that interest rates can fluctuate, but generally they remain the same.

• After that pay your attention to annual fee. Some credit cards do not have an annual fee at all. Some introduce this fee after one year. While annual fee can save you some money, it is not always crucial when choosing a card. For very often no annual fee cards are not so cheap at all.

• What rewards does a credit card offer? Are you an enthusiastic traveler? Do you enjoy going to cafes and restaurants? Or maybe you are a mother of four children and you spend a lot on groceries. So, what is your lifestyle and what are your spending habits? After you answer these questions you will be able to choose the best rewards program.

Anyway, choose the plastic based on the most important criteria. In order to make the comparison more transparent and vivid, draw a table and write down all the information. This may help you to cover all the details.

Investigate, compare, and choose! Do not stick to plastics that your credit company gave you years ago. Be proactive and apply for the best credit offer.