Explore our types of credit cards

Put simply, a credit card is a way of borrowing money that lets you purchase things up to an agreed limit and pay for them later, either in one go or by instalments.

For more support on the basics - from balance transfers to credit scoring - why not try our handy guide? We'll even run you through the different types of credit cards too.

Find out how credit cards work

Credit cards are commonly used to make purchases in shops or online. You can use them at ATMs too but this type of transaction often incurs a fee.

Our credit cards are Mastercard®, which means they’re accepted all over the world and they’re contactless too - it’s a super quick and no-fuss way to pay for items of £45 or less.

If you need to use your credit card abroad, just look for the Visa and Mastercard logos in retailers or on cash machines, then use your card as normal. When you get back home you'll see the purchases and withdrawals you made abroad shown in the local currency, then exchanged into pounds sterling on your statement. Please note that some credit cards add a small percentage to cover the foreign exchange fee.

APR stands for Annual Percentage Rate.

With credit cards, there can sometimes be upfront costs such as an annual fee for the card. So, APR is a way that lenders show the interest and additional charges you will pay on what you're borrowing. APR can also be referred to as the 'full cost of borrowing'.

Learn more about APR in our credit card guide

Depending on where you apply the timescales will vary. If you apply with us, and your application is successful, you'll receive your card within 5-7 working days.