Credit cards

At best4loans we have rounded up what we feel are the best credit cards for you.

We have selected the credit cards that we believe are the Best 4 Balance Transfers, Best 4 Interest free period and the Best 4 Poor or Impaired Credit.

Best 4 Balance Tranfers:
Virgin Money

When you take out a Virgin Credit Card, you get more than just a nice piece of plastic.

0% for 16 months on balance transfers (from the date your account is opened. Transfers to be made within first 60 days. 2.98% handling fee applies)
0% for 6 months on card purchases* (from the date your account is opened)
Typical rate 16.6% APR (variable)
Discounts at loads of Virgin companies
Discounted vouchers for leading high street stores

Best 4 Interest Free Period:
Barclaycard Charity Card

Taking out a Barclaycard Charity Card today will help you and others too.

No Annual Fee
0% On balance transfers for six months from account opening (2.5% handling fee applies)
0% On card purchases for six months from account opening
£5 donated by us on your first transaction, followed by donations of 0.3% of the amount you spend.
Confidential advice if you become an identity theft victim with Barclaycard's Identity Protection Service
Manage your account online or over the phone
24 hour helpline

Best 4 Poor or Impaired Credit:
Vanquis Card

New to credit or credit problems in the past? Vanquis is for you.

no annual fee
up to 56 days interest free on purchases
free additional cardholder
free fraud monitoring - Vanquis warn you of any suspicious activity on your account
Chip & PIN technology for added security whenever you use your card
Visa is widely accepted in the UK and abroad
Convenient for paying online and over the phone
Typical 39.9% APR variable

RATES FROM 7.9% APR TO 150% APR VARIABLE. TYPICAL APR OF 35%. OUR HIGHEST RATE IS FOR CUSTOMERS WITH SEVERE CREDIT PROBLEMS. WE ONLY PLACE SMALL LOAN SIZES OF UP TO £500 AT THESE RATES OF INTEREST.

IF YOU ARE A HOMEOWNER LOANS MAY BE SECURED ON YOUR HOME. THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT. IF YOU ARE THINKING OF CONSOLIDATING EXISTING BORROWING YOU SHOULD BE AWARE THAT YOU MAY BE EXTENDING THE TERMS OF THE DEBT AND INCREASING THE TOTAL AMOUNT YOU REPAY.

Credit cards

Best 4 Balance Tranfers: Virgin Money

Best 4 Interest Free Period: Barclaycard Charity Card

Best 4 Poor or Impaired Credit: Vanquis Card

Best 4 Balance Tranfers:
Virgin Money

Best 4 Interest Free Period:
Barclaycard Charity Card

Best 4 Poor or Impaired Credit:
Vanquis Card