Types of credit cards

Some credit cards offer cashback or other rewards, like air miles on spend. This can sometimes be available for a wide variety of transactions on the card, or be targeted towards a specific type of spend (e.g. household bills) but with offering a more generous rate of reward. Find out more and see if you qualify for our premier reward card.

Some cards offer 0% interest for a period on balance transfers from other cards. These allow you to transfer existing card debt from different credit cards for a small percentage fee of the amount you are transferring. These can be good if you think you will pay lesser interest / fees overall than keeping it on your existing card e.g. by structuring your payments so that you can pay it off during the 0% period. Explore our balance transfer cards here.

If you have little or no credit history then these cards can help you build your credit file. Interest rates might be higher than other types of cards but you can normally avoid interest as long as you pay off your balance each month.

Again, another type of card for those with little or no credit history. A deposit is required before the card is issued to you and there is usually an annual fee.

Load cash onto the card and you can use it in most places where credit or debit cards are accepted. These cards are a good option if you've just moved to the UK or have a bad credit history.

We don't offer all types but you can head on over to our credit cards page to find out more. If you're considering other borrowing options, then you may also be interested in our loans products or overdraft service for current accounts. As always, please borrow responsibly by making sure you don't borrow more than you can afford to pay back.