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Find a suitable credit card using the table below

Balance Transfer Cards

Transfer balances from existing credit or store cards

Purchase Cards

Useful for significant purchases, buy now and pay later

Credit Card Comparison Table

AA Balance Transfer Credit Card

Balance Transfer

0% for 41 months when a balance transfer is made in the first 3 months, depending on individual circumstances.


0% for 3 months on purchases from account opening.

Representative APR (Variable)


A 3.25% balance transfer fee applies.  Representative Example: If you spend £1,200 at a purchase interest rate of 19.9% p.a. (variable) your representative rate will be 19.9% APR (variable).

AA Dual Credit Card

Balance Transfer

0% on balance transfers for 18 months


0% for 28 months on purchases

Representative APR (Variable)


A 2.89% balance transfer fee applies.  Representative Example: If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative rate will be 18.9% APR (variable).

AA Low Rate Credit Card

Balance Transfer

5.85% p.a. (variable) interest with 0% on balance transfers for 3 months


5.85% p.a. (variable) interest with 0% on purchases for 3 months

Representative APR (Variable)


No balance transfer fee applies.  Representative Example: If you spend £1,200 at a purchase interest rate of 6.4% p.a. (variable) your representative rate will be 6.4% APR (variable).

Important Information: AA Credit Cards are provided by Bank of Ireland UK. AA Financial Services Limited is a credit broker and not a lender.

Small print: AA Financial Services Limited (AAFS) acts as a credit intermediary and introduces customers to Bank of Ireland (UK) plc only as its exclusive credit card issuer.

AA Financial Services Limited is authorised and regulated by the Financial Conduct Authority. Registered Office: Fanum House, Basing View, Basingstoke, Hampshire RG21 4EA. Registered in England and Wales (912211). The AA Credit Card is provided by Bank of Ireland (UK) plc. Registered Office: Bow Bells House, 1 Bread Street, London EC4M 9BE. Bank of Ireland (UK) plc is incorporated in England and Wales (7022885). Bank of Ireland UK is a trading name of Bank of Ireland (UK) plc.

What Is A Credit Card?

Credit cards can be used to make purchases, earn cashback and rewards on everyday spending or move expensive debt onto to take advantage of lower interest, or indeed interest-free periods.

When you apply for a credit card, you are effectively applying for a loan, typically issued by a bank or building society. As the money is borrowed you will be required to pay interest on the borrowing unless you pay off the balance in full each month. Many credit card providers offer extended interest-free periods for balance transfers, purchases or both for new customers. An interest-free period means that you are not charged interest on the balance of your card, however you should be aware that you will still need to make minimum payments every month with these payments reducing the balance of on card.

Which Card Should I Get?

There a whole variety of cards designed to suit a particular individual’s needs. Here, we are going to look at a few main types of card:

Balance Transfer

People who have an outstanding debt on a credit or store card and are currently paying interest on that balance may benefit by moving that balance to a new credit card provider offering an extended interest-free period. There are often fees involved when you move the balance, typically 2-3% of your debt, and once it is transferred, your minimum payments will go towards reducing your balance each month as opposed to paying off interest. This, of course, only applies for the length of the interest-free period. It is worth noting that many lenders will cancel the interest-free period if you miss payments etc. so please bear that in mind.


Credit Cards designed for purchases offer interest-free periods for a set length of time on purchases. These are often substantial purchases, allowing you to buy large items e.g. cars & holidays now and pay for them later.

Reward & Points Card

These types of cards can be very rewarding for the right type of user. If you are disciplined enough to pay off your balance each month in full then you will be able to benefit from a wide range of rewards including air miles, supermarket points, fuel discounts and more. These rewards are accrued when you spend on your card. For a discerning user, they allow people to spend as they would on their debit card whilst earning rewards at the same time. However if you are paying interest on your card, it is unlikely that the rewards will be worth more than the interest and therefore you may be better off taking advantage of a card with longer interest-free periods.

Poor Credit

People with poor credit histories may find their applications will not be accepted by lenders offering the lowest interest rates and therefore they will have to opt for a card suited for individuals with poor credit histories.

Credit Card Pro’s Vs The Con’s

  • Added Protection: Credit cards offer more protection than if you were to use a debit card, cash or cheque thanks to a Section 75 of the Credit Consumer Act. The protection enables you to get your money back in certain situations for purchases between £1,000 and £30,000
  • Quick: If you need to make a large purchase quickly then a credit card with a period of 0% interest is a good option. You will be able to spread the cost of the purchase into more manageable monthly payments and will not pay interest on this borrowing during the interest-free period. However if you miss a payment you will most likely find that you will have this interest-free period removed.
  • Rewards: Build up a range of rewards and points for every time you spend. A savvy shopper will make the most of the rewards on offer from lenders by making everyday purchases on their credit card and then paying off the balance each month before being charged any interest.
  • Debt: It is easy to build up debt when using your credit card, which is why we always advise card holders to pay off their balance each month or if it is a substantial purchase to work out the amount of regular payments you need to make to pay off your balance before interest starts being accrued.
  • Charges and Fees: You should research carefully when applying for a card to make sure you are getting one that suits your requirements. Equally missing payments, transferring balances, withdrawing cash and more or bring with them hefty fees and charges. Make sure you take the time to understand what you may be charged and when to reduce the chance of receiving a shock bill.

The Application Process

Applying for a credit card invokes a check on your credit history and you should refrain from having too many searches showing up on your history. To avoid this, many providers offer an eligibility check prior to the real application. These checks give you a better indication of whether you will be accepted for the card you are applying for and therefore reduce the likelihood and number of credit searches on your file.

During the application process the lender will ask a series of questions including your income and outgoings to help establish how much you can afford to borrow. Once the application process is complete you will be given a certain credit limit according to your circumstances, these limits are subject to increases and reductions depending on the way you manage the card and your personal circumstances in the future.

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