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Credit Cards - Purchases & Rewards

With a purchase card you’ll get a 0% interest period for a set amount of time and rewards.

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We’ll refine the results before you apply

Asda Cashback Credit Card

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Terms & Conditions

Make sure you meet the following criteria:

Credit Rating Medium To Good Preferred

Mainland UK Resident

Minimum Age 18

NatWest Reward Credit Card

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Terms & Conditions

Make sure you meet the following criteria:

Credit Rating Medium To Good Preferred

Mainland UK Resident

Minimum Age 18

Earn at least 10k a year

Representative Example: Purchase rate 18.9% p.a. (variable). Representative APR 23.7% (variable). Assumed credit limit £1200. Annual Fee £24.

Representative Example: Purchase rate 18.9% p.a. (variable). Representative APR 23.7% (variable). Assumed credit limit £1200. Annual Fee £24.

RBS Reward Credit Card

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Terms & Conditions

Make sure you meet the following criteria:

Credit Rating Medium To Good Preferred

Mainland UK Resident

Minimum Age 18

Earn at least 10k a year

Representative Example: Purchase rate 18.9% p.a. (variable). Representative APR 23.7% (variable). Assumed credit limit £1200. Annual Fee £24.

Representative Example: Purchase rate 18.9% p.a. (variable). Representative APR 23.7% (variable). Assumed credit limit £1200. Annual Fee £24.
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Tell us your credit rating

Weʼll refine the results to suit your eligability

Chrome Credit Card (24.7%)

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Terms & Conditions

Make sure you meet the following criteria:

Credit Rating Most circumstances considered

Mainland UK Resident

Minimum Age 18

Representative Example: The standard interest rate on purchases is 24.70% p.a. (variable), so if you borrow £1,000 the Representative APR will be 24.7% APR (variable).

Representative Example: The standard interest rate on purchases is 24.70% p.a. (variable), so if you borrow £1,000 the Representative APR will be 24.7% APR (variable).

Asda Cashback Plus Credit card

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Terms & Conditions

Make sure you meet the following criteria:

Credit Rating Most Circumstances Welcome

Mainland UK Resident

Minimum Age 18

aqua Reward

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Terms & Conditions

Make sure you meet the following criteria:

Credit Rating Poor Considered

Mainland UK Resident

Minimum Age 18

Representative Example: 39.94% standard purchase rate p.a (variable). Representative 39.9% APR (variable). Based on credit limit of £1,200.

Representative Example: 39.94% standard purchase rate p.a (variable). Representative 39.9% APR (variable). Based on credit limit of £1,200.

marbles Classic

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Terms & Conditions

Make sure you meet the following criteria:

Credit Rating Poor Considered

Mainland UK Resident

Minimum Age 18

Representative Example: 29.75% standard purchase rate p.a (variable). Representative 29.7% APR (variable). Based on credit limit of £1,200.

Representative Example: 29.75% standard purchase rate p.a (variable). Representative 29.7% APR (variable). Based on credit limit of £1,200.

opus Classic

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Terms & Conditions

Make sure you meet the following criteria:

Credit Rating Poor Considered

Mainland UK Resident

Minimum Age 18

Representative Example: 34.95% standard purchase rate p.a (variable). Representative 34.9% APR (variable). Based on credit limit of £1,200.

Representative Example: 34.95% standard purchase rate p.a (variable). Representative 34.9% APR (variable). Based on credit limit of £1,200.

aqua Classic

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Terms & Conditions

Make sure you meet the following criteria:

Credit Rating Poor Considered

Mainland UK Resident

Minimum Age 18

Representative Example: 29.71% standard purchase rate p.a (variable). Representative 29.7% APR (variable). Based on credit limit of £1,200.

Representative Example: 29.71% standard purchase rate p.a (variable). Representative 29.7% APR (variable). Based on credit limit of £1,200.
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Tell us your credit rating

Weʼll refine the results to suit your eligability

Origin Credit Card

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Terms & Conditions

Make sure you meet the following criteria:

Credit Rating All circumstances considered

Mainland UK Resident

Minimum Age 18

Representative Example: The standard interest rate on purchases is 59.94% p.a. (variable), so if you borrow £1,000 the Representative APR will be 59.9% APR (variable).

Representative Example: The standard interest rate on purchases is 59.94% p.a. (variable), so if you borrow £1,000 the Representative APR will be 59.9% APR (variable).

Vanquis Credit Card

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Terms & Conditions

Make sure you meet the following criteria:

Credit Rating All circumstances considered

Mainland UK Resident

Minimum Age 18

Representative Example: The standard interest rate on purchases is 39.94% p.a. (variable), so if you borrow £1,000 the Representative APR will be 39.9% APR (variable).

Representative Example: The standard interest rate on purchases is 39.94% p.a. (variable), so if you borrow £1,000 the Representative APR will be 39.9% APR (variable).
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Warning: Late repayment can cause you serious money problems. For help go to moneyadviceservice.org.uk

HOW A PURCHASE CARD TYPICALLY WORKS:

Eg: 12 months 0% purchase card

  • You spend £1200 on your family summer holiday on the card
  • You now have 12 months to pay back the full total*
  • You make at least the minimum payment needed each month
  • You pay back an average of £100 a month
  • By the end of the 12 months you have paid off the card and paid no interest.
*plus anything else you spend on it

Pros

Cons

  • Make only the minimum repayment for up to 40 months
  • Spread the cost of one-off large purchases over a long period
  • Make flexible monthly payments to suit your finances
  • You usually need a good credit rating to get one
  • The temptation to overuse it and let debt pile up
  • The 0% rate doesn’t last forever and will shoot up once it’s over
  • Miss a payment and you may lose the 0% rate
Question icon

Is A Purchases & Rewards The Right Option For Me?

It can help you spread the cost of expensive one-off purchase like holidays or furniture.

The card provider will set the minimum payment, usually tied to the credit limit or outstanding balance

Whether or not you are accepted by the provider does depend on your credit score, you score will also affect the credit limit and interest rate you are offered

From approval it usually takes 7-14 days to get your card depending on the provider.

Always remember to make at least the minimum payment needed, otherwise you risk being charged a fee, having to pay interest on the balance and potentially losing the 0% promo rate. Setting up a direct debit to make the minimum repayment is one way to avoid that.

With a cashback or reward credit card you get benefits every time you spend money on the card. Cashback varies but is usually paid as credit on your card balance. Rewards are often given in the form of air miles, supermarket shopping points or discount vouchers.

No, but some purchase cards come with benefits relating to the lender’s product or shop.

Most cashback or reward cards are standard credit cards that you should pay off in full after you get the statement so you don’t have to pay interest on the card’s balance.

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