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Smile Credit Cards

About Smile

One of the first online banks, Smile was launched by the Co-operative Bank in 2000. With a reputation for excellent customer service, Smile offers credit card holders free independent financial advice, discounts on Co-operative holidays and free insurance. Like the Co-operative, Smile is an ethically sound provider – refusing to deal with organisations that have negative ecological status, connections to arms dealing and human rights infringements.

Credit Cards		Purchases	Balance Transfers	APR Representative (Variable)
	Smile Classic Credit Card (non smile acct holders)	n/a	n/a	20.9^%
Representative Example: The annual purchase rate is 20.9% p.a (variable) so if you spend £1200 your representative apr will be 20.9% p.a (variable)
	Smile Classic Credit Card (Smile Acct holders)	n/a	n/a	16.9^%
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)
	Smile Gold Credit Card (non Smile Acct holders)	n/a	n/a	18.9^%
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)
	Smile Gold Credit Card (Smile Acct holders)	n/a	n/a	12.9^%
Representative Example: The annual purchase rate is 12.9% p.a (variable) so if you spend £1200 your representative apr will be 12.9% p.a (variable)
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Credit Cards		Purchases	Balance Transfers	APR Representative (Variable)	Rewards
	Barclaycard Platinum with BT (26 Mths) 0.0% for 0^% 6 months months on Purchases 0.0% on Balance Transfers	0^% 6 months	0^% 26 months 3.5% fee	18.9^%	Barclaycard Unwind
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)
	Tesco ClubCard Purchases Credit Card Earn ClubCard Points 0.0% for 13 months on Purchases 0.0% for 9 months on Balance Transfers Minimum Age 18 Minimum Income £5,000	0^% 16 months	0^% 9 months 2.9% fee	16.9^%	Clubcard Shopping
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 Freedom Rewards	n/a	0^% 9 months 2.9% fee	18.9^%	Rewards, Shopping
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)
	Capital One Classic Card No Annual Fee Ideal for building your credit rating You need to be over 18. You need to have some history of managing your credit even if you have had CCJs or defaults in the past. You are on the electoral roll.	n/a	n/a	34.9^%	No Rewards
Representative Example: The annual purchase rate is 34.9% p.a (variable) so if you spend £1200 your representative apr will be 34.9% p.a (variable)
	Virgin Atlantic White Card Account You need to be over 18. You do not have any recent credit defaults (CCJs, current arrears or missed payments). You are a resident in the UK and can prove residential addresses for the past two years. You have a Bank or Building Society account. You are currently employed.	n/a	0^% 6 months 2% fee	17.9^%	Flying Club Miles
Representative Example: The annual purchase rate is 17.9% p.a (variable) so if you spend £1200 your representative apr will be 17.9% p.a (variable)
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A Saga Platinum credit card could help consumers save significant sums over the festive period, according to the company.
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Halifax launches interest-free credit card

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