you'll probably want a cashback card then
balance transfer is if you've racked up a load of credit card debt elsewhere and are paying 18% APR on it or something stupid. You pay a fee of 3% or so to move the balance to the new card and then you get (upto) 20 months interest free on it.
If you just want a card to build up a credit score and get a discount on purchases then cashback card it is. The % discount isn't usually that much, on average maybe 1 or 2% but better than a slap in the face. They will usually offer you maybe 5% for the first few months though as an intro. Saw someone below who got 11% but that card got pulled by Barclays after about a day.
Check out one of these:
User Posted Link
Posted By: pat_abb on December 12th 2011 at 22:30:35
Message Thread
- Can anyone recommend a good credit card which offers good deals? (Other Football) - Charles21, Dec 12, 22:19:18
- Credit is sooooo old hat - live within your means (Other Football) - CB41, Dec 12, 22:59:49
- what you after - balance transfer or cashback? (Other Football) - pat_abb, Dec 12, 22:23:38
- I've never used a credit card in my life (Other Football) - Charles21, Dec 12, 22:25:25
- Capital One have the best cash back card at the moment. Balance Transfers (Other Football) - Vivid Data Shark, Dec 12, 22:34:28
- If I use my credit card and spend say ?500 on it in a month (Other Football) - Charles21, Dec 12, 22:37:08
- No, because you usually get a minimum of 50 days to repay any outstanding balance (n/m) (Other Football) - Vivid Data Shark, Dec 12, 22:38:25
- You generally get around 50 days before it would incur interest (n/m) (Other Football) - conker, Dec 12, 22:37:33
- thanks all (Other Football) - Charles21, Dec 12, 22:53:50
- If I use my credit card and spend say ?500 on it in a month (Other Football) - Charles21, Dec 12, 22:37:08
- you'll probably want a cashback card then (Other Football) - pat_abb, Dec 12, 22:30:35
- thanks pal (Other Football) - Charles21, Dec 12, 22:32:03
- Use something like this too when you decide which one you want (Other Football) - conker, Dec 12, 22:31:52
- Capital One have the best cash back card at the moment. Balance Transfers (Other Football) - Vivid Data Shark, Dec 12, 22:34:28
- I've never used a credit card in my life (Other Football) - Charles21, Dec 12, 22:25:25
- I've just got a Barclaycard Platinum - 20 months interest free balance transfer (Other Football) - conker, Dec 12, 22:20:43
- u would-but WHaT timeS THe mAN U kicK OFf? .,;./.,,';[],.;' (n/m) (Other Football) - selwyn, Dec 12, 22:21:48
- Please refer to my earlier post (n/m) (Other Football) - conker, Dec 12, 22:22:26
- THats WONg anD u knOW IT ,./;./.,./.,/;......./ (n/m) (Other Football) - selwyn, Dec 12, 22:23:49
- Wong? (Other Football) - conker, Dec 12, 22:24:48
- Did U winG THe WONg NUMber?.,.;/'[].#][ (n/m) (Other Football) - selwyn, Dec 12, 22:26:05
- Wong? (Other Football) - conker, Dec 12, 22:24:48
- THats WONg anD u knOW IT ,./;./.,./.,/;......./ (n/m) (Other Football) - selwyn, Dec 12, 22:23:49
- Please refer to my earlier post (n/m) (Other Football) - conker, Dec 12, 22:22:26
- u would-but WHaT timeS THe mAN U kicK OFf? .,;./.,,';[],.;' (n/m) (Other Football) - selwyn, Dec 12, 22:21:48
- canary pre paid (n/m) (Other Football) - selwyn, Dec 12, 22:19:54
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