Which credit card is best for you?

You'll usually need to pay a fee to transfer a balance (move debt). This is often a percentage of what you owe.

You'll pay zero interest on balance transfers while you have a 0% interest balance transfer offer. After this, you'll pay standard rates.

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You'll usually only get a 0% offer on purchases for a limited amount of time.  After your offer ends, you'll pay standard rates if you still owe anything on the card.

So, it's a good idea to pay off your card while you have your 0% offer if you can. 

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Reward cards often have a higher interest rate than standard credit cards. So if you don't pay your credit card off in full each month, it could cost you more than you gain in rewards.

What's more, reward cards don't tend to come with balance transfer offers. So transferring a balance to them is not usually a good idea.

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Student credit cards often have lower credit limits and higher interest rates than standard cards. 

We don't offer student credit cards. But you might want to take a look at our student bank account which offer interest-free overdrafts.

Check out our student bank account.

Eligibility criteria apply. Overdraft subject to lending criteria and limits apply.