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Christmas with CardSmart: Our 3 Top Credit Cards for Christmas Spending

With Christmas fast approaching, many people are now buying gifts for their loved ones, or just stocking up the cupboards for the busy season ahead.

More from Choosing a Credit Card
7 November 2011

Image for guide: Christmas with CardSmart: Our 3 Top Credit Cards for Christmas Spending

Our Top 3 Cards for Christrmas Spending

Used sensibly these cards can provide a wealth of savings and flexibility

We know that it can be hard to find the cash for Christmas, especially in this difficult economic climate. In fact, 60% of Britons say they are worried about funding Christmas this year*.

That’s why our top card picks this season are the ones that give you added value – like extensive interest free periods on new purchases, meaning you can spread the cost of Christmas over several months. Others, like the new Santander 123 card offer clever cash back on the purchases you make every day. Used sensibly these cards can provide a wealth of flexibility and savings. If you’re in the market for a new credit card, it would be smart to get one of these exciting offers now before the Christmas rush begins.

Santander 123 Cashback

The innovative new Santander 123 card lets you earn cash back rewards on your everyday shopping! The benefits include:

• 1% cashback at supermarkets including Tesco, Asda, Sainsbury's, Morrisons, The Co-operative, Waitrose, Marks & Spencer or Budgens.

• 2% at your favourite shops and department stores, including BHS, Debenhams, House of Fraser, John Lewis, Fenwick, Harrods, Harvey Nichols, Selfridges plus many others. You can also receive cash back when shopping online with these retailers.

• 3% at petrol stations Including BP, Shell, Esso, Texaco, Asda, Morrisons, Sainsbury's and many others (on spend up to £300 per month between your statement dates).

These great rewards are yours for an affordable annual fee, and a low 22.8% APR Representative (variable).

Tesco Clubcard Credit Card

The Tesco Clubcard Credit Card offers both great value and convenience. Make the most of 0% for 15 months on purchases offer from the day you open your account. If you transfer a balance from another card, you will also enjoy 0% interest on that sum for 9 months. You can also transfer up to 95% of your credit limit.

It is one of the most rewarding cards on the market today. Earn redeemable Clubcard points on every purchase, and even more when you shop at Tesco!

Capital One Classic

Strengthen your Credit Rating and enjoy an exclusive period of 6 months interest free on purchases with this top credit building card. The Capital One Classic offers no annual fee and has an average APR of 34.9%. This low-limit, easy-to-manage credit card is a fantastic way to spread the cost of Christmas if you have a poor credit rating and manage your money in 2012 and beyond.

*source –

Written by Sarah Adams

Best Buy Credit Cards

Credit Cards Balance Transfers Purchases APR Representative (Variable)
Tesco ClubCard Purchases Credit Card Logo Tesco Bank Logo Tesco ClubCard Purchases Credit Card Apply
9 months
2.9% fee
18 months
Representative Example: The annual purchase rate is 16.9% p.a (variable) so if you spend £1200 your representative apr will be 16.9% p.a (variable)
Barclaycard Platinum With BT (27 Mths) Logo Barclaycard Logo Barclaycard Platinum With BT (27 Mths) Apply
28 months
3.5% fee
6 months
Representative Example: The annual purchase rate is 18.9% p.a (variable) so if you spend £1200 your representative apr will be 18.9% p.a (variable)
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