Purchases Credit Cards | Compare @CreditRaters.com

Compare Purchases Credit Cards

Looking for a credit card which offers a great rate on purchases? No matter what you’re looking to buy, CreditRaters.com has created an in-depth, easy to use comparison table to help you find the very best deal for your circumstances today.

Aqua Classic

Credit Limit

£250 - £1200

APR

34.9%

Interest

34.95%

Representative Example: The standard interest rate on purchases is 34.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 34.9% APR (variable).

Capital One

Credit Limit

£200 - £1500

APR

34.9%

Interest

34.94%

Representative Example: The standard interest rate on purchases is 34.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 34.9% APR (variable).

What Are Purchases Credit Cards?

At Creditraters.com, we want to help you find purchases credit cards that can help keep your repayments to a minimum, but we’re certainly not a one trick pony. We compare hundreds of different credit cards from the UK’s leading mainstream and independent lenders, including.

In this guide, we’ll be taking a closer look at how purchases credit cards work and how to apply along with some information on basic eligibility requirements.

Purchases credit cards are designed specifically for those who wish to use a line of credit to make one or multiple purchases.

They’re ideal for one off purchases, particularly if you can find a card with a 0% interest introductory offer, as you’ll effectively be able to spread the repayments across a number of months without paying a single penny in interest on top of the purchase price.

For this reason, they can often work out far more attractive than taking out store finance or a short term loan to cover purchases.

Equally, you may decide to use purchases credit cards as a revolving line of credit, ready for when you need to make purchases throughout the year across a variety of items. This can not only help you to keep all of our finance repayments in one place, but can help to improve your credit score along the way.

Each month, you’ll need to make a repayment towards your outstanding balance and can then continue spending so long as you’re within your purchases credit card limit.

My Credit Isn’t Great. Can I Still Apply For Purchases Credit Cards?

Yes! Just because you’ve been turned down for purchases credit cards elsewhere doesn’t mean that you’ll automatically be refused elsewhere. In fact, Creditraters.com works with a host of lenders who specialise in helping those with a less than perfect credit history.

No matter what your credit score, you’ll need to fulfil some basic qualifying criteria to be considered, including:

  • Being at least 18 years of age when you apply
  • Being a permanent UK resident
  • Meeting minimum income criteria for certain credit limits

Each lenders has their own eligibility terms so please refer to these in your Creditraters.com comparison before finalising an application.

How Can I Apply For Purchases Credit Cards Online?

To get the ball rolling on your next purchases credit card application, simply apply for a comparison online today with Creditraters.com and select a lender who you feel best meets your circumstances.

Once selected, take a couple of minutes to complete the additional details required by your lender to make an accurate assessment of your finances. Once accepted, sign and return the credit agreement online and your card will be dispatched in the coming days with a PIN and credit confirmation. It really is that easy!