Best credit cards for purchases

Buying a car, planning a holiday or making any high value purchase? A credit card allows you to spread the cost and enjoy benefits including payment protection, travel insurance and free warranties. Then there's the rewards you'll get simply for using your card. Here's our pick of plastic for puchases...

Credit Card	Representative APR (Variable)	Rating	Introductory Balance Transfer Rate	Introductory Purchase Rate	Reward value (based on £1200 spend at year)	Minimum Repayment
Your best credit card option (by apr)
Barclaycard Simplicity	7.9%	(2 reviews)	N/A	N/A	N/A	2.25% or £5	Details
Lloyds TSB Advance Card	11.9%	(2 reviews)	4.9% for 12 months	0% for 6 months	N/A	1% or £5	Details
HSBC Premier Credit Card	11.9%	(1 review)	N/A	0% for 9 months	N/A	2.5% or £5	Details
ActionAid Flat Rate Visa Credit Card	12.9%	Write a review	N/A	N/A	N/A	2% or £5	Details
The Co-operative Bank Clear Visa Card	12.9%	Write a review	N/A	N/A	N/A	2% or £5	Details
Virgin Charity Card	12.9%	Write a review	N/A	N/A	N/A	1% or £25	Details
Smile Gold Visa (Current Account holders)	12.9%	Write a review	N/A	N/A	N/A	2% or £5	Details
Think Credit Card	12.9%	Write a review	3.9% for 6 months	0% for 3 months	N/A	2% or £5	Details
Capital One World Mastercard	12.9%	Write a review	N/A	N/A	N/A	1% or £5	Details
The Co-operative Bank Platinum Fixed Rate Credit Card	12.9%	Write a review	N/A	N/A	N/A	2% or £5	Details
The Co-operative Bank Christian Aid Fixed Rate Platinum Visa Card	12.9%	Write a review	N/A	N/A	N/A	2% or £5	Details
Halifax Clarity Credit Card	12.9%	Write a review	N/A	N/A	N/A	1% or £5	Details
The Co-operative Bank Shelter Flat Rate Visa Credit Card	12.9%	Write a review	N/A	N/A	N/A	2% or £5	Details
Sainsbury's Nectar Credit Card	12.92%	(1 review)	N/A	N/A	N/A	2.25% or £5	Details
First Trust Option 3 Credit Card	14.9%	Write a review	N/A	N/A	N/A	1% or £5	Details
Marriott Rewards Credit Card	15.9%	(1 review)	0% for 9 months	0% for 6 months	£19	1% or £5	Details
Marks and Spencer Credit Card	15.9%	Write a review	0% for 6 months	0% for 15 months	N/A	2.25% or £5	Details
Lloyds TSB Airmiles Duo Credit Card	15.9%	(1 review)	0% for 6 months	N/A	N/A	2% or £5	Details
Bank of Scotland Existing Customers Card	15.9%	(1 review)	0% for 9 months	0% for 12 months	N/A	1% or £5	Details
Lloyds TSB Platinum MasterCard	15.9%	(3 reviews)	0% for 14 months	0% for 3 months	N/A	2% or £5	Details
Sainsbury's Credit Card	15.9%	(1 review)	0% for 12 months	0% for 12 months	N/A	2.25% or £5	Details
BOS All in One Card	15.9%	(1 review)	0% for 10 months	0% for 10 months	N/A	1% or £5	Details
Halifax All in One Card	15.9%	(1 review)	0% for 10 months	0% for 10 months	N/A	1% or £5	Details
Halifax Existing Customer Card	15.9%	(1 review)	0% for 9 months	0% for 12 months	N/A	1% or £5	Details
MBNA Platinum Plus Card	16.7%	(4 reviews)	0% for 16 months	0% for 3 months	N/A	1% or £25	Details
Virgin Credit Card	16.8%	(5 reviews)	0% for 16 months	0% for 3 months	N/A	1% or £25	Details
Hilton Platinum Visa Card	16.9%	Write a review	0% for 12 months	N/A	£90	3% or £5	Details
Barclaycard Breathe	16.9%	Write a review	0% for 10 months	N/A	N/A	2.25% or £5	Details
NSPCC Mastercard	16.9%	Write a review	0% for 9 months	0% for 9 months	N/A	1% or £5	Details
Priority Club Rewards Credit Card	16.9%	Write a review	0% for 12 months	N/A	£22	3% or £5	Details
Tesco Clubcard Credit Card	16.9%	Write a review	0% for 9 months	0% for 13 months	N/A	1% or £25	Details
MBNA Miles And More American Express Card	16.9%	Write a review	0% for 12 months	0% for 3 months	£11	1% or £25	Details
WSPA Credit Card	16.9%	Write a review	0% for 12 months	0% for 3 months	N/A	1% or £25	Details
United Mileage Plus Card	16.9%	Write a review	0% for 12 months	0% for 3 months	N/A	1% or £25	Details
Norwich & Peterborough Building Society N&P Credit Card	16.9%	Write a review	0% for 12 months	0% for 3 months	N/A	1% or £25	Details
Born Free Foundation Credit Card	16.9%	Write a review	0% for 12 months	0% for 3 months	N/A	1% or £25	Details
Newcastle Building Society Visa Credit Card	16.9%	Write a review	0% for 12 months	0% for 3 months	N/A	1% or £25	Details
RSPCA Visa Card	16.9%	(2 reviews)	0% for 12 months	0% for 3 months	N/A	1% or £25	Details
Bank of Scotland SSPCA Charity Mastercard	16.9%	Write a review	0% for 9 months	0% for 9 months	N/A	1% or £5	Details
Smile Classic Visa (Current Account holders)	16.9%	Write a review	N/A	N/A	N/A	2% or £5	Details
MBNA Rate for Life Visa Card	16.9%	(1 review)	N/A	N/A	N/A	1% or £25	Details
Ulster Bank (NI) Gold MasterCard	16.9%	Write a review	3.9% for 12 months	0% for 6 months	N/A	1% or £5	Details
RBS Platinum Credit Card	16.9%	(3 reviews)	16.9% for 9 months	4.9% for 9 months	N/A	1% or £5	Details
First Trust Option 2 Credit Card	16.9%	Write a review	N/A	N/A	N/A	1% or £5	Details
Everton FC MasterCard	16.9%	Write a review	0% for 6 months	N/A	N/A	1% or £5	Details
Bank of Ireland Gold MasterCard	16.9%	Write a review	0% for 9 months	0% for 3 months	N/A	2.5% or £5	Details
Play.com	16.9%	(1 review)	0% for 6 months	0% for 9 months	N/A	1% or £25	Details
John Lewis Partnership MasterCard	16.9%	Write a review	0% for 6 months	0% for 6 months	N/A	3% or £5	Details
Fulham FC MasterCard	16.9%	Write a review	0% for 6 months	N/A	N/A	1% or £5	Details
Halifax NSPCC MasterCard	16.9%	Write a review	0% for 9 months	0% for 9 months	N/A	1% or £5	Details
Cancer Research UK MasterCard	16.9%	Write a review	0% for 9 months	0% for 9 months	N/A	1% or £5	Details
Creation Credit Card	16.9%	Write a review	0% for 15 months	0% for 3 months	N/A	1% or £5	Details
HSBC Credit Card	16.9%	Write a review	0% for 15 months	0% for 3 months	N/A	2.5% or £5	Details
First Direct Gold Card	16.9%	Write a review	0% for 15 months	N/A	N/A	3% or £5	Details
Halifax Plus Credit Card	16.9%	(1 review)	0% for 13 months	0% for 3 months	N/A	1% or £5	Details
BOS Plus Credit Card	16.9%	(1 review)	0% for 13 months	0% for 3 months	N/A	1% or £5	Details
Nationwide Gold Visa	16.9%	(2 reviews)	0% for 15 months	0% for 3 months	N/A	3% or £5	Details
NatWest Platinum Credit Card	16.9%	(1 review)	0% for 16 months	0% for 3 months	N/A	1% or £5	Details
Dog's Trust Credit Card	16.9%	(1 review)	0% for 12 months	0% for 3 months	N/A	1% or £25	Details
Barclaycard Platinum	16.9%	(3 reviews)	0% for 17 months	0% for 3 months	N/A	2.25% or £5	Details
RBS Royalties Platinum Card	16.9%	Write a review	0% for 16 months	0% for 6 months	N/A	1% or £5	Details
Clydesdale Bank Gold MasterCard	16.9%	Write a review	0% for 16 months	0% for 3 months	N/A	1% or £5	Details
Santander Credit Card	16.9%	(1 review)	0% for 13 months	0% for 3 months	N/A	1% or £5	Details
Yorkshire Bank Gold MasterCard	16.9%	Write a review	0% for 16 months	0% for 3 months	N/A	1% or £5	Details
Aston Villa FC Card	16.9%	(1 review)	0% for 12 months	0% for 3 months	N/A	1% or £25	Details
Chelsea FC Card	16.9%	(2 reviews)	0% for 12 months	0% for 3 months	N/A	1% or £25	Details
Arsenal FC Card	16.9%	Write a review	0% for 12 months	0% for 3 months	N/A	1% or £25	Details
Manchester UTD FC Card	16.9%	Write a review	0% for 12 months	0% for 3 months	N/A	1% or £25	Details
BT Standard Credit Card	16.9%	Write a review	0% for 13 months	0% for 3 months	N/A	1% or £25	Details
Breakthrough Breast Cancer	16.9%	Write a review	0% for 12 months	0% for 3 months	N/A	1% or £25	Details
The National Trust MasterCard	16.9%	(1 review)	0% for 12 months	0% for 3 months	N/A	1% or £25	Details
bmi Credit Card from MBNA	16.9%	(1 review)	0% for 12 months	0% for 3 months	N/A	1% or £25	Details
The AA Credit Card	16.9%	(1 review)	0% for 12 months	0% for 10 months	N/A	1% or £25	Details
Post Office Platinum Card	16.9%	Write a review	0% for 12 months	0% for 3 months	N/A	2.5% or £5	Details
Amazon Mastercard	16.9%	Write a review	0% for 12 months	0% for 9 months	N/A	1% or £25	Details
Liverpool FC Card	16.9%	Write a review	0% for 12 months	0% for 3 months	N/A	1% or £25	Details
Bank of Ireland MoneyBack Standard MasterCard	17.9%	Write a review	0% for 6 months	0% for 3 months	N/A	2.5% or £5	Details
Bank of Ireland MoneyBack Gold MasterCard	17.9%	Write a review	0% for 6 months	0% for 3 months	N/A	2.5% or £5	Details
Express Rewards Credit Card	17.9%	(1 review)	N/A	0% for 6 months	N/A	10% or £50	Details
Halifax Student Mastercard	17.9%	Write a review	N/A	N/A	N/A	1% or £5	Details
Virgin Atlantic Amex White Card	17.9%	Write a review	0% for 6 months	N/A	£29	1% or £25	Details
Bank of Ireland MasterCard	17.9%	Write a review	0% for 9 months	0% for 3 months	N/A	2.5% or £5	Details
American Airlines AAdavantage	17.9%	(1 review)	0% for 6 months	0% for 12 months	£47	1% or £25	Details
RBS Classic Card (Current Account Holders)	17.9%	Write a review	0% for 13 months	0% for 13 months	N/A	1% or £5	Details
NatWest Classic Card (Current Account Holders)	17.9%	Write a review	0% for 13 months	0% for 13 months	N/A	1% or £5	Details
Leeds Building Society Platinum Credit Card	17.9%	Write a review	0% for 12 months	0% for 3 months	N/A	1% or £25	Details
HSBC Student Card	18.9%	Write a review	N/A	N/A	N/A	2.5% or £5	Details
All Saints MasterCard	18.9%	Write a review	N/A	0% for 6 months	N/A	1% or £5	Details
Harvey Nichols Credit Card	18.9%	Write a review	0% for 6 months	N/A	N/A	1% or £5	Details
NatWest Student MasterCard	18.9%	Write a review	N/A	N/A	N/A	1% or £5	Details
First Trust Option 1 Credit Card	18.9%	Write a review	N/A	N/A	N/A	1% or £5	Details
Ulster Bank (NI) Credit Card	18.9%	Write a review	3.9% for 12 months	0% for 3 months	N/A	1% or £5	Details
JJB Sports Mastercard	18.9%	Write a review	N/A	N/A	N/A	1% or £5	Details
Santander Zero Credit Card	18.9%	Write a review	0% for 6 months	0% for 6 months	N/A	1% or £5	Details
Smile Gold Visa (non Current Account holders)	18.9%	Write a review	N/A	N/A	N/A	2% or £5	Details
Flybe Credit Card	18.9%	Write a review	0% for 9 months	N/A	N/A	3% or £5	Details
Orange Credit Card	18.9%	Write a review	0% for 12 months	0% for 3 months	N/A	2.5% or £5	Details
Barclaycard Platinum Purchase	18.9%	(1 review)	0% for 12 months	0% for 12 months	N/A	2.25% or £5	Details
RSPB Standard Visa	18.9%	(1 review)	0% for 6 months	0% for 6 months	N/A	2% or £5	Details
Amnesty International Standard Visa	18.9%	Write a review	0% for 6 months	0% for 6 months	N/A	2% or £5	Details
Asda Reward Card	18.9%	(1 review)	0% for 12 months	0% for 3 months	N/A	1% or £5	Details
Help the Aged Standard Visa	18.9%	Write a review	0% for 6 months	0% for 6 months	N/A	2% or £5	Details
Save The Children Standard Visa	18.9%	Write a review	0% for 6 months	0% for 6 months	N/A	2% or £5	Details
Greenpeace Standard Visa Card	18.9%	Write a review	0% for 6 months	0% for 6 months	N/A	2% or £5	Details
Egg Money World MasterCard	19%	Write a review	N/A	N/A	N/A	2% or £5	Details
House of Fraser Recognition MasterCard	19.9%	Write a review	0% for 9 months	N/A	N/A	4% or £4	Details
British Airways BA American Express Credit Card	19.9%	(4 reviews)	N/A	N/A	£20	2.5% or £5	Details
Barclaycard Gold Card	19.9%	Write a review	N/A	N/A	N/A	2.25% or £5	Details
Lloyds TSB Student Credit Card	19.9%	Write a review	19.9% for 9 months	N/A	N/A	1% or £5	Details
Nectar Credit Card	19.9%	Write a review	N/A	N/A	N/A	2.5% or £5	Details
BHS Credit Card	19.9%	Write a review	0% for 9 months	0% for 3 months	N/A	2.5% or £5	Details
Debenhams MasterCard	19.9%	Write a review	0% for 12 months	N/A	N/A	1% or £5	Details
Post Office Classic Card	19.9%	Write a review	0% for 12 months	0% for 3 months	N/A	2.5% or £5	Details
Thomas Cook Credit Card	19.9%	Write a review	0% for 9 months	0% for 3 months	N/A	2.5% or £5	Details
Ryanair.com Mastercard	19.9%	Write a review	0% for 12 months	N/A	N/A	1% or £5	Details
Sainsbury's Gold Credit Card	20.1%	(1 review)	N/A	N/A	N/A	2.25% or £5	Details
Smile Classic Visa (non Current Account holders)	20.9%	Write a review	N/A	N/A	N/A	2% or £5	Details
Northern Bank Standard MasterCard	22.9%	Write a review	0% for 5 months	0% for 5 months	N/A	3% or £5	Details
Capital One Progress Mastercard	29.9%	Write a review	N/A	N/A	N/A	1% or £5	Details
Barclaycard Initial	29.9%	(1 review)	N/A	N/A	N/A	2.5% or £5	Details
SPG Credit Card	32%	(1 review)	N/A	N/A	N/A	10% or £50	Details
Granite Credit Card	34.9%	(2 reviews)	N/A	N/A	N/A	3.5% or £10	Details
Aqua Card	35.9%	Write a review	N/A	N/A	N/A	1% or £5	Details
The Vanquis Visa Card	39.9%	(1 review)	N/A	N/A	N/A	4.5% or £5	Details
Northern Bank Gold Credit Card	41.6%	Write a review	0% for 5 months	0% for 5 months	N/A	3% or £5	Details
Virgin Atlantic Amex Black Card	41.8%	Write a review	0% for 6 months	N/A	£58	1% or £25	Details
British Airways BA American Express Premium Plus Credit Card	50.1%	Write a review	N/A	N/A	N/A	2.5% or £5	Details
Northern Bank Platinum Credit Card	58.3%	Write a review	0% for 5 months	0% for 5 months	N/A	3% or £5	Details

Best credit cards for purchases

Your best credit card option (by apr)