Credit Cards

An everyday credit card could help with your day-to-day budgeting. Putting your weekly shopping, household bills and smaller expenses in one place might make it easier to manage things.

• Everyday spending credit cards usually come with a low interest rate on purchases.
• Most credit card purchases (more than £100 and up to £30,000) are protected by Section 75 of the Consumer Credit Act.
• Could be a useful way to keep track of everyday spending.

More about everyday spending credit cards

Check your eligibility

This is where you move existing balances from one or more credit card or store card providers to another. Doing this could mean you combine several repayments into one manageable monthly repayment. Balance transfer fees may apply.

• Move credit card and selected store balances.
• Things could be easier to manage by putting balances together.
• Balance transfer credit cards often have an introductory offer.
  

More about balance transfer cards

Check your eligibility

A large purchase credit card could help you spread the cost of planned purchases over a longer term, which might make it a more affordable way of paying for something.

• Large purchase credit cards often have an introductory offer.
• Most credit card purchases (more than £100 and up to £30,000) are protected by Section 75 of the Consumer Credit Act.
• Flexible way to budget for bigger goods or services.

More about large purchase credit cards

Check your eligibility

Instead of displaying all of the credit cards in our range, we’ll show you which ones you’re eligible to apply for. This is so you can make an informed choice and choose the right card for your borrowing needs.

Choosing the right credit card can be tricky. Which one is right for you depends on your borrowing needs, and what your individual circumstances are. If you need more help understanding what that means, you might find our credit cards help and guidance section useful.

A credit card is a plastic card, like your debit card, that can be used to pay for goods and services. However, with a credit card, you borrow the money when you spend on it, and then pay it back on a monthly basis. Interest is usually added if you don’t clear your balance in full.

One Check does a ‘soft’ credit search on your file. This is a search that can’t be seen by other lenders, so it can’t be used by them when making a lending decision.