Financial Best Buys

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Credit Cards

Balance Transfer

Card   Rate   Duration   Typical APR   BT Fee      Virgin Credit Card   0%   16 mths   16.6%   2.98%   Barclaycard Platinum   0%   15 mths   15.9%   2.9%   NatWest Platinum   0%   15 mths   16.9%   2.9%   Royal Bank of Scotland Platinum   0%   15 mths   16.9%   2.9%   Egg Card   0%   Until 01/05/2011   16.9%   3.0%   Barclaycard Gold   0%   Until 01/04/2011   19.9%   2.5%   MBNA Platinum   0%   13 mths   16.9%   2.9%   MBNA Platinum Rewards Card   0%   13 mths   16.9%   2.9%   BT Credit Card   0%   13 mths   16.9%   3.0%   AA Credit Card   0%   12 mths   16.9%   3.0%   Post Office Platinum   0%   12 mths   15.8%   2.98%   bmi American Express Credit Card from MBNA   0%   12 mths   15.9%   3.0%   Sainsbury's Credit Card   0%   10 mths   15.9%   3.0%   Halifax All In One   0%   9 mths   15.9%   3.0%   Lloyds TSB Airmiles Duo   0%   6 mths   15.9%   3.0%   MBNA Platinum Visa Credit Card   5.9%   Life of Balance   16.9%   2.0%

Purchase

Card   Rate   Duration   Typical APR      Virgin Credit Card Exclusive   0%   12 mths   18.9%   AA Credit Card   0%   10 mths   16.9%   Sainsbury's Credit Card   0%   10 mths   15.9%   Halifax All In One   0%   9 mths   15.9%   Bank of Scotland All In One   0%   9 mths   15.9%   American Express Rewards Credit Card   0%   6 mths   17.9%   Barclaycard Goldfish   0%   3 mths   9.9%   Barclaycard Platinum   0%   3 mths   15.9%   Post Office Platinum   0%   3 mths   15.8%   Capital One Plus   0%   Until 01/09/2010   14.9%   MBNA Platinum   0%   3 mths   16.9%   MBNA Platinum Rewards Card   0%   3 mths   16.9%   BT Credit Card   0%   3 mths   16.9%   NatWest Platinum   0%   3 mths   16.9%   Royal Bank of Scotland Platinum   0%   3 mths   16.9%   Egg Card   0%   Until 01/06/2010   16.9%   MBNA 6.7% Low Rate   6.7%      6.7%

Balance Transfer & Purchases

Card   BT Duration   Intro Duration   Typical APR      Virgin Credit Card Exclusive   12 mths   12 mths   18.9%   AA Credit Card   12 mths   10 mths   16.9%   Sainsbury's Credit Card   10 mths   10 mths   15.9%   Halifax All In One   9 mths   9 mths   15.9%   Bank of Scotland All In One   9 mths   9 mths   15.9%   NatWest Platinum   15 mths   3 mths   16.9%   Royal Bank of Scotland Platinum   15 mths   3 mths   16.9%   MBNA Platinum   13 mths   3 mths   16.9%   MBNA Platinum Rewards Card   13 mths   3 mths   16.9%   BT Credit Card   13 mths   3 mths   16.9%   Egg Card   Until 01/05/2011   Until 01/06/2010   16.9%   Barclaycard Platinum   15 mths   3 mths   15.9%

Low Standard Rate

Card   Typical APR   Interest Free Period      MBNA 6.7% Low Rate   6.7%   50   Barclaycard Platinum Simplicity   7.8%   56   Halifax Easy Rate   8.9%   59   Barclaycard Goldfish   9.9%   56

Low Credit Score

Card   Typical APR   Interest Free Period      Capital One Classic   34.9%   56   Capital One Progress   34.9%   56   The Vanquis Visa Card   39.9%   56

Cashback

Card   Cashback Notes      American Express Platinum Cashback   5% cashback for 3 months on virtually every full pound spent per transaction   MBNA Platinum Rewards Card   You can exchange your reward points for cashback paid straight to your credit card account.  £1.00 spends equals 1 point, then; 5,000 reward points =  £20 cashback; 7,500 reward points =  £30 cashback; 12,500 reward points =  £50 cashback; 25,000 reward points =  £100 cashback. See provider for full details.

Rewards

Cards   Reward Notes   Typical APR      Barclaycard Goldfish   Earn 1 point for every  £1.00 spent   9.9%   Lloyds TSB Airmiles Duo   Get up to 1 Airmile for every  £10 spent   15.9%   MBNA Platinum Rewards Card   You can exchange your reward points for cashback paid straight to your credit card account.  £1.00 spends equals 1 point, then; 5,000 reward points =  £20 cashback; 7,500 reward points =  £30 cashback; 12,500 reward points =  £50 cashback; 25,000 reward points =  £100 cashback. See provider for full details.   16.9%   bmi American Express Credit Card from MBNA   Receive 1.5 destination miles for every  £1 spent   15.9%   BT Credit Card   Unlimited money off your BT bill, T&C's apply   16.9%   RBS Black   Receive access to select opportunities   13.2%   Sainsbury's Credit Card   Earn up to 4 nectar points for every  £1 spent   15.9%   Virgin Atlantic White Card   1 mile for every full  £1 spent   17.9%   NatWest Black   1.25 YourPoints for every  £1 of qualifying spend   13.2%   Egg Card      16.9%   AA Credit Card      16.9%

Everyday Money

Card   Typical APR      O2 Load & Go      BREAD      Escape Prepaid MasterCard      cashplus Gold Flexiplus      Tuxedo Pay As You Go      Freedom Eagle Cash Card - Pay As You Go      cashplus Gold Premier      Virgin PrePaid - Monthly      cashplus Gold Activeplus      Tuxedo Pay Monthly      ClearCash Prepaid MasterCard

Currency Euro

Card   Typical APR      FairFX Euro Currency Card Special      Caxton Euro Card      my Travel Cash - Euro      ICE Travellers Cashcard Euro

Currency US Dollar

Card   Typical APR      FairFX Dollar Currency Card Special      Caxton Dollar Card      my Travel Cash - US Dollar      ICE Travellers Cashcard US Dollar

Currency Sterling

Card   Typical APR      Caxton Global Traveller Card      FairFX Anywhere Card

These are a selection of best buy credit cards you can apply online for, now.

Loans

Good

Loan   Typical APR   Comments      Platinum Exclusive   7.8%   CHEAPEST Homeowner Loan in the UK for loans from  £7,500. Typical APR 15.4%   Sainsbury's Personal Loan   7.9%   Earn Double Nectar points on Sainsbury's shopping for 2 years. Typical APR 7.9%.   Alliance & Leicester   7.9%   For loans of  £7,500 -  £14,950. Apply online for a quick decision. Typical APR 7.9%

Fair

Loan   Typical APR   Comments      Ocean Finance   10.2%   Loans for homeowners. Fixed for loan term available. Typical APR 16.9%   FLM Loans   42.6%    £500- £3,000. Will accept anyone with friend or family homeowner guarantor. Typical APR 42.6%

Poor

Loan   Typical APR   Comments      Ocean Finance   15.2%   Loans for homeowners. Fixed for loan term available. Typical APR 16.9%   FLM Loans   42.6%    £500- £3,000. Will accept anyone with friend or family homeowner guarantor. Typical APR 42.6%

Current Accounts

Switching Incentive

Lender   Product   Incentive   Interest (AER)   Min Balance      FIRST DIRECT   1st Account   Switch to first direct and get  £100*   0%    £1

Reward Paying Accounts

Lender   Account   Incentives      HALIFAX   Reward Current Account   Pay in  £1,000 each month and receive  £5 reward each month   BANK OF SCOTLAND   Reward Current Account   Pay in  £1,000 each month and receive  £5 reward each month

Best Rate

Lender   Product   Interest (AER)   Min Balance   O/D Rate   O/D Buffer      ALLIANCE & LEICESTER PLC   Premier Direct Current Account   5%    £1   0.00%   n/a   SANTANDER   The Santander Account (Preferred In-credit Rate)   5%    £1   19.90%   n/a   NATWEST BANK PLC   Current Plus   0.1%    £1   19.24%    £100   THE ROYAL BANK OF SCOTLAND PLC   Interest Paying Current Account   0.1%    £1   19.24%    £100

Best Overdraft

Lender   Product   Overdraft Notes   Interest (AER)      SANTANDER   The Santander Account (Preferred Overdraft Rate)   0% for 1st 12 mths, then 12.9% EAR   0.1%   FIRST DIRECT   1st Account    £250 Interest Free, then 15.9% EAR over  £250   0%

Best Packaged Accounts

Lender   Product   Interest (AER)   Min Balance   Service Charge      HALIFAX   Ultimate Reward Current Account   0%    £0.01    £12.50 per month.   NATWEST BANK PLC   Advantage Gold   0.25%    £1    £12.95 per month.

Basic Banking

Lender   Product   Interest (AER)   Min Balance   Service Charge      THINK BANKING LTD 0800 074 4333   Think Banking Managed Account   0%    £1    £12.50 per month.

Savings Accounts

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