Category Archives: Latest Card Offers

0

The credit card that offers you the most benefits

Posted on by

Nowadays, you can receive many things from your credit cards. Such advantages include interest-free periods on balance transfers and purchases, as well as cashback and free of charge withdrawals when you are abroad.

With a good credit rating, you might have two or three credit cards. However, if you wish to carry only one credit card, you need to choose between the best credit cards that are offered on the market. Here we take a closer look at one of those cards.

1Nationwide Select:

This card offers 0% balance transfers, 0% purchases, you receive cashback, as well as free usage abroad. Furthermore, Nationwide has recently reduced the balance transfer fee on its Nationwide Select credit card. The normal deal that you get is 0% interest on balance transfers during the first 26 months after you receive the card, plus a balance transfer fee of 2.4% of the amount you are transferring. However, until the end of March 2014, you can have the same deal but just for a 0.75% fee.

Some of the other benefits you receive with the Select card include a competitive 15 months interest free on purchases, commission-free purchases abroad and 0.5% cashback on all purchases made in pounds. This really can be labeled as the best all-round credit card on the market. However, it is important to note that the Select card is only available to current account customers of Nationwide. Nonetheless, if you decide to open FlexAccount, FlexDirect or the £10 per month FlexPlus, you will still be qualified to apply for the card.

FlexDirect is an account that really deserves more attention. The reason why is because it offers 5% AER on in-credit balances which go up to £2, 500, plus a free-free overdraft for 12 months.

However, if you do not want to open a new account just to receive the Select card, you can still benefit from the cheapest balance transfer offer which is through the Nationwide Visa, which is accessible to everyone. This card comes together with 0% on balance transfers for 26 months, plus the reduced 0.75% fee which is available until the end of the month.  Also, you will get a three months interest-free on purchases. In addition to that, you will be able to build up a commission-free allowance when you spend abroad from the card.

Thus, if you are looking for a card that offers many advantages, it is worth considering Nationwide Select card.

0

Tesco 0% interest card!

Posted on by

A new credit card has been introduced by Tesco, which allows customers to transfer their debts to this card without any fees and interest for a whole year. 0% interest also allows customers to purchase goods from the store and online within the 12 month period without any interest. Alongside all these features, clubcard points will also be added whenever a purchase is made with the new credit card.

The Tesco Clubcard With No Balance Transfer Fee is rather unique as no other card in the financial market allows 0% and no fee for a whole year. Clubcard points are common with customers who shop regularly at the store, using the credit card will benefit those who have frequent visits to Tescos as every £4 spent on Tesco petrol will allow 5 extra clubcard points as well as one point for every £4 spent elsewhere within Tesco.

1

As mentioned, the new card is one of its kind in terms of its features. For customers who want more than 12 months 0% interest, a different package is available which allows 16 months without any interest as well as 9 months 0% purchases for a fee of 2.9%. The new card can seem beneficial for those who wish to transfer their debts onto the card in order to prevent the build-up of debt or to simply slow the growth of interest.

Using this new card can be ideal for those who wish to take advantage of what it offers, what should be noted however is that any payments due should be paid off within the 12 month period, as anything which exceeds the time limit specified at agreement will incur interest charges. The rates of interest are usually quite high for such cards. Missed payments can also affect individual credit scores. Although there are several different cards offering different rates, not all are suitable for everyone, therefore it is best to find a deal which is appropriate for each person’s situation.

0

Credit card spending can pay for your flights

Posted on by

Holidays are on the wish list for many, however saving up for one may not be possible for all with mortgages, insurances, bills and other household expenses. Now however, spending money can entitle you to a free holiday. Many reward credit cards now allow customers to earn points totalling up to a free holiday. Although taxes, fees and surcharges are not included in the points, paying a minimum fee would bring a smile to several faces.

Such reward cards are part of the Avios rewards programme, replaced by the former Airmiles and BA Miles. From having just 9,000 Avios, the reward system can pay for a return UK/Western Europe flight. Although a minimum of £30 per person may need to be added on top for other exclusive fees, a holiday may not seem so far off.

1

At Lloyds, Duo Avios Reward Credit Cards are available to customers who can earn Avios as they use credit. Customers applying for this will receive two cards, an American Express and a Mastercard. For every £5 spent using the Mastercard, and every £1 spent on the American Express, customers will receive one Avios. Customers spending £500 in the first three months will have a total of 15,000 Avios which is enough to secure a return flight to Western Europe.

The duo reward credit card is available to customers who are aged above 18 and residents of the UK. Customers must be employed and not have any County Court judgements or bankruptcy history within the past 6 years. The cards provided through Lloyds are great for collecting Avios on almost all purchases; spending money abroad allows double Avios!

This brilliant reward system is one not be missed out on. Saving money for a holiday had never been easier. Whether it’s an exotic holiday you are after or something just to get away, the Avios programme caters for all. The amount of Avios will however determine which destination is available.

0

Amazon Launch their own Reward Credit Card

Posted on by

Online retail giant Amazon who were previously unheard of for financial services have now launched their own credit card in partnership with MBNA. The financial product is aimed at regular users of Amazon.co.uk as they will benefit most from the perks offered by the scheme.

Amazon’s credit card provides the benefit of a loyalty card for regular users of the online retailer. By signing up to the scheme customers will automatically be awarded a gift voucher which provides you with a £5 discount from your following Amazon.co.uk buy. The credit card will thereafter reward users by giving them two Loyalty Points on each £1 spent online at Amazon.co.uk and will further reward customers with half the Loyalty Points for purchases elsewhere. Customers who have collected 1,000 points will automatically be rewarded with an Amazon.co.uk voucher worth £10 redeemable online.

1

On the financial side of the bargain users of the Amazon credit card will enjoy 0% interest on purchases of single goods valued upwards of £300 for the first 13 months starting from the time the account has been opened. This offer is subject to the purchase being made within 30 days from the day when the account was opened. For those other purchases which are not from Amazon.co.uk a 16.9% RAP will be applicable.

The Amazon credit card appears to be more beneficial for a frequent user of the online retail service who would repay the outstanding balance monthly. However, for shoppers who do not primarily use Amazon.co.uk the perks appear to be minimal and there may be better alternatives out there.

The credit card will be monitored by the watchful eye of the Financial Conduct Authority (FCA) which means that if customers suffer a loss through lost or stolen goods purchased with the card they can claim against the card provider and be awarded a refund. The amount which can be claimed however is capped at £30,000. Applying for the Amazon credit card is simple as the process is online at Amazon.co.uk saving consumers from having to call or physically appear at a bank branch.