CREDIT CARDS COMPARISON

As you spend a debt balance created in using credit cards. Unlike debit cards, it debits the associated bank directly, while credit cards are considered a payment card that has a credit agreement with the card issuer.

The balance should be paid in full at the end of the month without any interest charges. But if you pay less than your full balance, you’ll be charged with interests.


CAPITAL ON TOP

Cost-effective ★ ★ ★ ★ ☆ | Professional ★ ☆ ☆ ☆ ☆ – Rates as low as 9.9% APR – Up to 56 days interest-free – Cashback and Avios rewards

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HSBC

Cost-effective ★ ★ ★ ★ ☆ | Professional ★ ☆ ☆ ☆ ☆ – Based on an assumed limit of £1,200, 15.9% rate p.a. for purchases, 22% APR representative variable. – Annual Fee £32.

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METRO BANK

Cost-effective ★ ★ ★ ★ ☆ | Professional ★ ☆ ☆ ☆ ☆ – All our cards come in at the one low rate of 14.9% APR, and we won’t charge you for having your credit card – You’ll have free transactions in most European countries

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M&S SHOPPING PLUS CREDIT CARD

Cost-effective ★ ★ ★ ★ ☆ | Professional ★ ☆ ☆ ☆ ☆ Great for Long 0% purchase and balance transfer, plus points.

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THE NATWEST CREDIT CARD

Cost-effective ★ ★ ★ ★ ☆ | Professional ★ ☆ ☆ ☆ ☆ Great for Low APR and no foreign transaction fees.

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