Comparison - Monetos.co.uk

Creditcard	Balance transfer	Purchase	APR	Loyalty details	Details
Virgin Credit Card	0.00% 16 months Fee: 2.98% min £3.00	0.00% 6 months	16.60%	N/A	Virgin Credit Card
Halifax Plus Credit Card	0.00% 15 months Fee: 3.00% min £3.00	0.00% 3 months	16.90%	N/A	Halifax Plus Credit Card
Bank of Scotland Plus Credit Card	0.00% 15 months Fee: 3.00% min £3.00	0.00% 3 months	16.90%	N/A	Bank of Scotland Plus Credit Card
Barclaycard Flexi-Rate	0.00% 14 months Fee: 2.50% min £0.00	0.00% 3 months	14.90%	N/A	Barclaycard Flexi-Rate
Barclaycard Platinum Credit Card with Balance Transfer	0.00% 14 months Fee: 2.50% min £0.00	0.00% 3 months	14.90%	N/A	Barclaycard Platinum Credit Card with Balance Transfer
Barclaycard OnePulse Credit Card with Balance Transfer	0.00% 14 months Fee: 2.50% min £0.00	14.90% -- months	14.90%	The card does not offer an intro rate on purchases. The displayed rate apply until the card is repaid	Barclaycard OnePulse Credit Card with Balance Transfer
Barclaycard OnePulse Credit Card with Cashback	0.00% 14 months Fee: 2.50% min £0.00	14.90% -- months	14.90%	Cashback: 5% cashback on TfL spend and 0.5% cashback on all other spend until 31st December 2009 (up to £15 cashback per month).	Barclaycard OnePulse Credit Card with Cashback
Tesco Bonus Credit Card	0.00% 14 months Fee: 2.90% min £0.00	0.00% 6 months	15.90%	N/A	Tesco Bonus Credit Card
Tesco Clubcard Credit Card	0.00% 14 months Fee: 2.90% min £0.00	0.00% 6 months	16.90%	Reward points: 5 points for every £4 spent at Tesco or Tesco.com and 1 point for every £4 spent elsewhere	Tesco Clubcard Credit Card
Lloyds TSB Platinum MasterCard	0.00% 14 months Fee: 3.00% min £0.00	0.00% 3 months	15.90%	N/A	Lloyds TSB Platinum MasterCard

Virgin Credit Card

Product

Card name	Virgin Credit Card
Credit card type	MasterCard
Card Issuer	Virgin Money

Interest rates

	Intro rate	Intro period	Monthly rate	Annual rate
Balance Transfers	0.00%	16 months	1.435%	18.60%
Purchases	0.00%	6 months	1.292%	16.60%
Cash Withdrawals	N/A	N/A	2.075%	27.90%

APR	16.6%
Foreign usage rate	2.99%
Interest free period	Up to 50 days on purchases

Fees & Charges

Annual fee	Balance transfer fee	Cash withdrawal fee	Cheque fee
£0	2.98% min. £3	3.00% min. £3	2.98% min. £3
Late payment charge	Returned payments charge	Exceeding limit charge
£12	£12	£12

Others

Eligibility	Protection	Loyalty and Donation scheme
Age: 18 Min. salary:N/A	Online fraud guarantee	N/A

Additional

Min. monthly repayment: On balances below £25: the entire amount; on balances above £25: whichever is higher of £25 or the total of any Payment Protection Cover charges, interest and default charges plus £5

Halifax Plus Credit Card

Product

Card name	Halifax Plus Credit Card
Credit card type	MasterCard
Card Issuer	Halifax Card Services

Interest rates

	Intro rate	Intro period	Monthly rate	Annual rate
Balance Transfers	0.00%	15 months	1.312% to 1.527%	16.94% to 19.95%
Purchases	0.00%	3 months	1.312% to 1.527%	16.94% to 19.95%
Cash Withdrawals	N/A	N/A	1.805%	23.95%

APR	16.9%
Foreign usage rate	2.95%
Interest free period	Up to 59 days on purchases

Fees & Charges

Annual fee	Balance transfer fee	Cash withdrawal fee	Cheque fee
£0	3.00% min. £3.00	3.00% min. £3.00	3.00% min. £3.00
Late payment charge	Returned payments charge	Exceeding limit charge
£12	£12	£12

Others

Eligibility	Protection	Loyalty and Donation scheme
Age: 18 Min. salary:N/A	Online fraud guarantee	N/A

Additional

Min. monthly repayment: 1.00% on outstanding balance or £5, whichever is greater

Bank of Scotland Plus Credit Card

Product

Card name	Bank of Scotland Plus Credit Card
Credit card type	MasterCard
Card Issuer	Bank of Scotland

Interest rates

	Intro rate	Intro period	Monthly rate	Annual rate
Balance Transfers	0.00%	15 months	1.312% to 1.527%	16.94% to 19.95%
Purchases	0.00%	3 months	1.312% to 1.527%	16.94% to 19.95%
Cash Withdrawals	N/A	N/A	1.805%	23.95%

APR	16.9%
Foreign usage rate	2.95%
Interest free period	Up to 59 days on purchases

Fees & Charges

Annual fee	Balance transfer fee	Cash withdrawal fee	Cheque fee
£0	3.00% min. £3.00	3.00% min. £3.00	3.00% min. £3.00
Late payment charge	Returned payments charge	Exceeding limit charge
£12	£12	£12

Others

Eligibility	Protection	Loyalty and Donation scheme
Age: 18 Min. salary:N/A	Online fraud guarantee	N/A

Additional

Min. monthly repayment: 1.00% on outstanding balance or £5, whichever is greater

Barclaycard Flexi-Rate

Product

Card name	Barclaycard Flexi-Rate
Credit card type	Visa
Card Issuer	Barclaycard

Interest rates

	Intro rate	Intro period	Monthly rate	Annual rate
Balance Transfers	0.00%	14 months	0.793% to 1.167%	9.90% to 14.90%
Purchases	0.00%	3 months	0.793% to 1.167%	9.90% to 14.90%
Cash Withdrawals	N/A	N/A	2.075%	27.90%

APR	14.9%
Foreign usage rate	2.75%
Interest free period	Up to 56 days on purchases

Fees & Charges

Annual fee	Balance transfer fee	Cash withdrawal fee	Cheque fee
£0	2.50%	2.50% min. £2.50	2.50%
Late payment charge	Returned payments charge	Exceeding limit charge
£12	£12	£12

Others

Eligibility	Protection	Loyalty and Donation scheme
Age: 21 Min. salary:£10,000	Online fraud guarantee	N/A

Additional

Min. monthly repayment: 2.25% on outstanding balance or £5, whichever is greater

Barclaycard Platinum Credit Card with Balance Transfer

Product

Card name	Barclaycard Platinum Credit Card with Balance Transfer
Credit card type	MasterCard/Visa
Card Issuer	Barclaycard

Interest rates

	Intro rate	Intro period	Monthly rate	Annual rate
Balance Transfers	0.00%	14 months	1.167%	14.90%
Purchases	0.00%	3 months	1.167%	14.90%
Cash Withdrawals	N/A	N/A	2.075%	27.90%

APR	14.9%
Foreign usage rate	2.75%
Interest free period	Up to 56 days on purchases

Fees & Charges

Annual fee	Balance transfer fee	Cash withdrawal fee	Cheque fee
£0	2.50%	2.50% min. £2.50	2.50%
Late payment charge	Returned payments charge	Exceeding limit charge
£12	£12	£12

Others

Eligibility	Protection	Loyalty and Donation scheme
Age: 21 Min. salary:£10,000	Online fraud guarantee	N/A

Additional

Min. monthly repayment: 2.25% on outstanding balance or £5, whichever is greater

Barclaycard OnePulse Credit Card with Balance Transfer

Product

Card name	Barclaycard OnePulse Credit Card with Balance Transfer
Credit card type	Visa
Card Issuer	Barclaycard

Interest rates

	Intro rate	Intro period	Monthly rate	Annual rate
Balance Transfers	0.00%	14 months	1.167%	14.90%
Purchases	N/A	N/A	1.167%	14.90%
Cash Withdrawals	N/A	N/A	2.075%	27.90%

APR	14.9%
Foreign usage rate	2.75%
Interest free period	Up to 56 days on purchases

Fees & Charges

Annual fee	Balance transfer fee	Cash withdrawal fee	Cheque fee
£0	2.50%	2.50% min. £2.50	2.50%
Late payment charge	Returned payments charge	Exceeding limit charge
£12	£12	£12

Others

Eligibility	Protection	Loyalty and Donation scheme
Age: 21 Min. salary:£10,000	Online fraud guarantee	The card is also an Oyster Card and OneTouch Card

Additional

Min. monthly repayment: 2.25% on outstanding balance or £5, whichever is greater

Barclaycard OnePulse Credit Card with Cashback

Product

Card name	Barclaycard OnePulse Credit Card with Cashback
Credit card type	Visa
Card Issuer	Barclaycard

Interest rates

	Intro rate	Intro period	Monthly rate	Annual rate
Balance Transfers	0.00%	14 months	1.167%	14.90%
Purchases	N/A	N/A	1.167%	14.90%
Cash Withdrawals	N/A	N/A	2.075%	27.90%

APR	14.9%
Foreign usage rate	2.75%
Interest free period	Up to 56 days on purchases

Fees & Charges

Annual fee	Balance transfer fee	Cash withdrawal fee	Cheque fee
£0	2.50%	2.50% min. £2.50	2.50% min. £2.50
Late payment charge	Returned payments charge	Exceeding limit charge
£12	£12	£12

Others

Eligibility	Protection	Loyalty and Donation scheme
Age: 21 Min. salary:£10,000	Online fraud guarantee	Cashback: 5% cashback on TfL spend and 0.5% cashback on all other spend until 31st December 2009 (up to £15 cashback per month)

Additional

Min. monthly repayment: 2.25% on outstanding balance or £5, whichever is greater

Tesco Bonus Credit Card

Product

Card name	Tesco Bonus Credit Card
Credit card type	MasterCard/Visa
Card Issuer	Royal Bank of Scotland

Interest rates

	Intro rate	Intro period	Monthly rate	Annual rate
Balance Transfers	0.00%	14 months	1.325% to 1.825%	15.90% to 21.99%
Purchases	0.00%	6 months	1.240% to 1.667%	14.88% to 20.00%
Cash Withdrawals	N/A	N/A	1.873%	22.48%

APR	15.9%
Foreign usage rate	2.75%
Interest free period	Up to 56 days on purchases

Fees & Charges

Annual fee	Balance transfer fee	Cash withdrawal fee	Cheque fee
£0	2.90%	3.00% min. £3.00	N/A
Late payment charge	Returned payments charge	Exceeding limit charge
£12	£12	£12

Others

Eligibility	Protection	Loyalty and Donation scheme
Age: 18 Min. salary:£5,000	Online fraud guarantee	N/A

Additional

Min. monthly repayment: 3.00% on outstanding balance or £5, whichever is greater

Tesco Clubcard Credit Card

Product

Card name	Tesco Clubcard Credit Card
Credit card type	MasterCard
Card Issuer	RoyalTesco Personal Finance

Interest rates

	Intro rate	Intro period	Monthly rate	Annual rate
Balance Transfers	0.00%	14 months	1.048% to 1.741%	16.89% to 20.89%
Purchases	0.00%	6 months	1.313% to 1.597%	15.76% to 19.16%
Cash Withdrawals	N/A	N/A	1.873%	22.48%

APR	16.9%
Foreign usage rate	2.75%
Interest free period	Up to 51 days on purchases

Fees & Charges

Annual fee	Balance transfer fee	Cash withdrawal fee	Cheque fee
£0	2.90%	3.00% min. £3.00	N/A
Late payment charge	Returned payments charge	Exceeding limit charge
£12	£12	£12

Others

Eligibility	Protection	Loyalty and Donation scheme
Age: 18 Min. salary:£5.000	Online fraud guarantee	Reward points: 5 points for every £4 spent at Tesco or Tesco.com and 1 point for every £4 spent elsewhere

Additional

Min. monthly repayment: 3.00% on outstanding balance or £5, whichever is greater

Lloyds TSB Platinum MasterCard

Product

Card name	Lloyds TSB Platinum MasterCard
Credit card type	MasterCard
Card Issuer	Lloyds TSB

Interest rates

	Intro rate	Intro period	Monthly rate	Annual rate
Balance Transfers	0.00%	14 months	1.241%	15.90%
Purchases	0.00%	3 months	1.241%	15.90%
Cash Withdrawals	N/A	N/A	2.075%	27.90%

APR	15.9%
Foreign usage rate	2.95%
Interest free period	Up to 56 days on purchases

Fees & Charges

Annual fee	Balance transfer fee	Cash withdrawal fee	Cheque fee
£0	3.00%	3.00% min. £2.50	3.00% min. £3.00
Late payment charge	Returned payments charge	Exceeding limit charge
£12	£12	£12

Others

Eligibility	Protection	Loyalty and Donation scheme
Age: 18 Min. salary:N/A	Online fraud guarantee	N/A

Additional

Min. monthly repayment: 2.00% on outstanding balance or £5, whichever is greater, or (if it is more) the amounts for interest and Payment Protection Cover

Main priority:
Low balance transfer rate	Low long term balance transfer rate
Low purchase rate	Low APR
Low balance transfer rate & purchase rate	Low foreign usage rate
+ More Options

Charity cards	Reward cards
Sports cards	Cashback cards

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Credit Card Comparison

Virgin Credit Card

Halifax Plus Credit Card

Bank of Scotland Plus Credit Card

Barclaycard Flexi-Rate

Barclaycard Platinum Credit Card with Balance Transfer

Barclaycard OnePulse Credit Card with Balance Transfer

Barclaycard OnePulse Credit Card with Cashback

Tesco Bonus Credit Card

Tesco Clubcard Credit Card

Lloyds TSB Platinum MasterCard