Best credit card deals for May 2018 - MEGATHREAD
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Best credit card deals for May 2018 - MEGATHREAD

Editor 151
Editor
LocalFound 12th Mar
Welcome to the official HUKD credit cards megathread! In the thread you'll find credit card deals for all types of borrower and spender.

Whether you need to transfer an existing balance to a cheaper card, find a cheap credit card to use abroad, or are after some freebies, have a look at the list of deals below to find something right for you. We'll be updating this post as frequently as possible to ensure you get the best possible deal while reminding you how to use a credit card to your advantage – not that of the credit card company!

Top credit card deals May 2018Top 0% balance transfer deals May 2018
If you’ve got an existing credit card balance you’re struggling to pay off, a 0% balance transfer card means all your payments will go towards paying off the debt, not paying interest. Unfortunately, balance transfer deals seem to be getting shorter at the moment, although you can still get a couple of years or more interest-free from several credit card providers.

Post Office credit card 35 months 0% transfer HERE

0% Credit Card Balance Transfer + 0% interest fees @ Santander over 27 months HERE

Hsbc - 32 months BT Credit Card + £25 cashback HERE

Barclaycard offer 0% balance transfer for 22 months with a 0% fee Offer ends 4 July 2018 HERE

Sainsbury’s Bank credit card 0% BT 28 months, zero BT fee, Nectar points HERE

M&S balance transfer card for 32 months @ 0% apr. Plus £25 cashback. Transfer less than £2525 and some of the cashback will pay off your fee! HERE

Top 0% purchase deals May 2018
If you’re planning a big purchase (or lots of small ones), a 0% purchase card means you won’t have to pay any interest on your borrowing – but don’t forget you still need to pay it back.

Post Office Platinum credit card – 28 months 0% on purchases and fee-free overseas HERE

Barclays travel credit card - no fees abroad plus also you can withdraw cash abroad you get till the statement date to pay it off! Also 12 months @ 0% APR HERE

Top low fee balance transfer card April 2018
Paying a balance transfer fee can eat into the savings you make with a 0% balance transfer card – so look for one with a low, or even zero, fee.

Sainsbury’s Bank credit card 0% BT 28 months, zero BT fee, Nectar points HERE

Barclaycard offer 0% balance transfer for 22 months with a 0% fee Offer ends 4 July 2018 HERE

Nationwide Select credit card – 0% for 12 months on purchases/balance transfers, no BT fee + fee-free abroad HERE

Best balance transfer and purchase credit cards May 2018
If you’re looking for an all-round card, with 0% periods on both purchases and balance transfers, there are a couple of providers who offer cards with zero interest on both.

Barclaycard 27 months 0% interest on purchases and balance transfers HERE

Virgin Money just increased its all round card to 30 months @ 0% apr. The good thing is if you're accepted you'll get the full 30 months HERE

Nationwide Select credit card – 0% for 12 months on purchases/balance transfers, no BT fee + fee-free abroad HERE

Virgin Money Travel credit card – 0% for 12 months on purchases/balance transfers, zero BT fee, no fees on overseas purchases HERE

Top reward credit cards May 2018
It’s nice to earn rewards from credit cards, whether it’s cash when you take out a new card or points when you spend. There are quite a few decent rewards this month so go forth and cash in.

Hsbc - 32 months BT Credit Card + £25 cashback HERE

Halifax Clarity Travel Credit Card - £20 Halifax Cashback + Fee free card for spending abroad HERE

M&S balance transfer card for 32 months @ 0% apr. Plus £25 cashback. Transfer less than £2525 and some of the cashback will pay off your fee! HERE

10,000 Bonus Points worth £50 Amazon Gift Card with Amex Rewards Card (spend £1k in first 3 months) / Amex Gold Credit Card 20,000 Bonus Points offer / *Pls no referrals* HERE

Amex offer - Costco - Spend £100+ get £20 back HERE

£10 Back on a £50 Spend at House of Fraser - Amex Offers HERE

Tandem credit card, no overseas fees, 0.5% cashback HERE

£220 free in points deals when you take out the Amex Preferred Rewards Gold Card & spend £2000 in your first 3 months - household income requirement £20,000. Various other benefits come with the card. HERE

Top travel cards May 2018
Holiday season is fast approaching, prompting credit card providers to up their game. An increasing number of credit cards now offer fee-free overseas transactions, with the best ones coming fee-free abroad with 0% purchase and balance transfer deals.

Nationwide Select credit card – 0% for 12 months on purchases/balance transfers, no BT fee + fee-free abroad HERE

Virgin Money Travel credit card – 0% for 12 months on purchases/balance transfers, zero BT fee, no fees on overseas purchases HERE

Post Office Platinum credit card – 28 months 0% on purchases and fee-free overseas HERE

Halifax Clarity Travel Credit Card - £20 Halifax Cashback + Fee free card for spending abroad HERE

Tandem credit card, no overseas fees, 0.5% cashback HERE

Barclaycard Platinum Travel Credit Card 0% fees on spending and withdrawing cash abroad if you pay the balance in full. HERE.
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Top comments
Best way don’t spend what you don’t have, then you will never have to pay a penny of credit card interest.

if you want something, save up for it.
unhappybunny22 m ago

Best way don’t spend what you don’t have, then you will never have to pay a …Best way don’t spend what you don’t have, then you will never have to pay a penny of credit card interest.if you want something, save up for it.


Sensible people already have the money put aside and earn interest on it. How can being paid to use a credit card not be hot?
unhappybunny50 m ago

Best way don’t spend what you don’t have, then you will never have to pay a …Best way don’t spend what you don’t have, then you will never have to pay a penny of credit card interest.if you want something, save up for it.

Bought some. Hearing aids for 3k on a 36 months 0% interest free card. Been paying £100 a month off for 2 years... I couldn't afford the 3k upfront but can afford 100 quid a month these easily and i have no Interest.

Credit cards are amazing if you are disciplined and know. How to manage money correctly. Otherwise they are the devil.
Its not about spending what you dont have but what you need. Its an expensive era we living in now. Low wages and highrents dont help.
151 Comments
Thanks
Fantastic. My 12 month Nationwide 0% is coming to an end soon so I need one to transfer the balance to. The Virgin Money one is tempting.
Best way don’t spend what you don’t have, then you will never have to pay a penny of credit card interest.

if you want something, save up for it.
unhappybunny22 m ago

Best way don’t spend what you don’t have, then you will never have to pay a …Best way don’t spend what you don’t have, then you will never have to pay a penny of credit card interest.if you want something, save up for it.


Sensible people already have the money put aside and earn interest on it. How can being paid to use a credit card not be hot?
unhappybunny50 m ago

Best way don’t spend what you don’t have, then you will never have to pay a …Best way don’t spend what you don’t have, then you will never have to pay a penny of credit card interest.if you want something, save up for it.

Bought some. Hearing aids for 3k on a 36 months 0% interest free card. Been paying £100 a month off for 2 years... I couldn't afford the 3k upfront but can afford 100 quid a month these easily and i have no Interest.

Credit cards are amazing if you are disciplined and know. How to manage money correctly. Otherwise they are the devil.
great post thanks op
Thanks OP. Heat added. Could you also include ‘Money transfer’ credit cards (if possible) please. Thanks.
Its not about spending what you dont have but what you need. Its an expensive era we living in now. Low wages and highrents dont help.
great thread. have some heat
Watch out MSE, MoneyFacts & Head for Points - HUKD has a (not so) MEGATHREAD!
Lifted from Money Saving Expert without giving credit and stripped of any of the sensible warnings about credit cards and affordability that MSE has.

Out of order.
Edited by: "Cr0m" 17th Jan
squeakybot9 h, 41 m ago

Its not about spending what you dont have but what you need. Its an …Its not about spending what you dont have but what you need. Its an expensive era we living in now. Low wages and highrents dont help.


If you are using a credit card to live you shouldn’t have a credit card. Being made bankrupt puts your life on hold for years.
steve76513 h, 46 m ago

Thanks OP. Heat added. Could you also include ‘Money transfer’ credit car …Thanks OP. Heat added. Could you also include ‘Money transfer’ credit cards (if possible) please. Thanks.


Just look on mse where this has been pulled from word for word

moneysavingexpert.com
Tandem credit card is a better travel credit card for those who spend a lot abroad because it gives you 0.5% cashback when abroad too.

May as well link: tandem.co.uk/cre…rd/
Edited by: "myotherusernameisclean" 17th Jan
Dan_Monkfield-105029320433 h, 16 m ago

If you are using a credit card to live you shouldn’t have a credit card. B …If you are using a credit card to live you shouldn’t have a credit card. Being made bankrupt puts your life on hold for years.

If you cant buy the things you need then your life is on hold anyway. May aswell enjoy it a little bit better.
Amazon NewDay card
£10 amazon gift card - joining bonus
0.5% cashback (0.75% amazon purchases) on all transactions - as soon as 1000 points £10 is credited to linked amazon account.

Aqua reward card - credit builder card - no overseas transaction fee - 0.5% cashback (credited in year end though)
unhappybunny17th Jan

Best way don’t spend what you don’t have, then you will never have to pay a …Best way don’t spend what you don’t have, then you will never have to pay a penny of credit card interest.if you want something, save up for it.


Thanks for the advice.

I have never paid anything in interest, have a fantastic credit score, and have bagged thousands of pounds worth of flights just by spending on a card.

Think I'll keep going for my credit card spending method!
moneybanks1417th Jan

Bought some. Hearing aids for 3k on a 36 months 0% interest free card. …Bought some. Hearing aids for 3k on a 36 months 0% interest free card. Been paying £100 a month off for 2 years... I couldn't afford the 3k upfront but can afford 100 quid a month these easily and i have no Interest.Credit cards are amazing if you are disciplined and know. How to manage money correctly. Otherwise they are the devil.


Logic has never been HUKD users strong point.
Dan_Monkfield-1050293204317th Jan

Sensible people already have the money put aside and earn interest on it. …Sensible people already have the money put aside and earn interest on it. How can being paid to use a credit card not be hot?


Some don’t see the advantage of credit cards as a cash flow mechanism, not to mention the consumer law surrounding credit card purchases
Complete rip-off from MSE and you haven't even given them any credit! In fact, looking at all this editor's 'deals' you've been using all of MSE's posts without credit. Shame on you.

That's not the case. I am a journalist, as are the writers at MSE. The deals I post on here are mostly from press releases I receive - the same ones the writers at MSE will receive. That's why the posts are similar,
Edited by moderator: "Correction" 23rd Jan
I have a few credit things that I pay per month to different companies which I have been managing fine.

Would a 0% purchase card allow me to pay those things off andhave only one balance/company to deal with without interest? Kind of like a balance transfer but not coming from another credit card.

Thanks for any advice.
Dan_Monkfield-1050293204317th Jan

Sensible people already have the money put aside and earn interest on it. …Sensible people already have the money put aside and earn interest on it. How can being paid to use a credit card not be hot?


Wow you must be quids in with the way interest rates are so high
ollie872 h, 21 m ago

Logic has never been HUKD users strong point.


Can you say that again as I didn’t quite catch what you said.
moneybanks1417th Jan

Bought some. Hearing aids for 3k on a 36 months 0% interest free card. …Bought some. Hearing aids for 3k on a 36 months 0% interest free card. Been paying £100 a month off for 2 years... I couldn't afford the 3k upfront but can afford 100 quid a month these easily and i have no Interest.Credit cards are amazing if you are disciplined and know. How to manage money correctly. Otherwise they are the devil.


Do you have a good credit score? Good use of a credit card though sir
A little help here :

I've never used a credit card and always been a little cautious of it all. I prefer to spend on things I know I can afford. However, lots of friends have encourged us to get one as it might help with mortgages etc.... can some explain how this works and whether or not I need a foundation credit card to help build my score or will any card be able to do that!?

Thanks one and all!
what about all the others?
Tesco do good clubcard deals sometimes
How about flight & hotel cards, etc.
Freezing cold as its bad advice
Undisclosed24 h, 21 m ago

Thanks for the advice.I have never paid anything in interest, have a …Thanks for the advice.I have never paid anything in interest, have a fantastic credit score, and have bagged thousands of pounds worth of flights just by spending on a card.Think I'll keep going for my credit card spending method!


basically what I do.. switched to hotels now as I have tons of accumulated miles + its easier to swap hotel points for miles, than it is miles to hotel rooms!
everyone should have a credit card for Section 75 protection.
Anything over £100 is covered under sections 75 - even if it is only part pay (for example a deposit on a car).
Your covered for the whole purchase
YikYak40 m ago

A little help here :I've never used a credit card and always been a little …A little help here :I've never used a credit card and always been a little cautious of it all. I prefer to spend on things I know I can afford. However, lots of friends have encourged us to get one as it might help with mortgages etc.... can some explain how this works and whether or not I need a foundation credit card to help build my score or will any card be able to do that!?Thanks one and all!


Join MSE's 'Credit club'. Free sign up, it gives you access to your Experian credit report once a month, and they list cards that you're most likely to be accepted for.

It's useful to have a history of responsibly using credit. If when you're applying for a mortgage, you've never had credit before, you may run in to some issues. Years of paying off a credit card in full each month is an indicator that you're a responsible borrower that isn't going to default.

You ought not be paying interest; just put your normal spending on the card. When you get your bill, pay it in full (you can afford to do this every month, as it's only your normal spending!), you won't pay a penny if you pay your bill on time.

Look in to getting one that'll give you points or cashback, and you're getting money for nothing.
YikYak40 m ago

A little help here :I've never used a credit card and always been a little …A little help here :I've never used a credit card and always been a little cautious of it all. I prefer to spend on things I know I can afford. However, lots of friends have encourged us to get one as it might help with mortgages etc.... can some explain how this works and whether or not I need a foundation credit card to help build my score or will any card be able to do that!?Thanks one and all!


it will help with mortgages as it shows other companies are prepared to lend you credit.
What you dont want though is having 3 or 4 credit cards & owing on them! As that impacts your affordability.
I use a creditcard to pay for everything then when home, I log into my account & pay off the credit card straight away & not let it accumulate up. My reason is to collect miles & points.
bojangles48 m ago

it will help with mortgages as it shows other companies are prepared to …it will help with mortgages as it shows other companies are prepared to lend you credit.What you dont want though is having 3 or 4 credit cards & owing on them! As that impacts your affordability.I use a creditcard to pay for everything then when home, I log into my account & pay off the credit card straight away & not let it accumulate up. My reason is to collect miles & points.


Which card companies offer miles as rewards?
unhappybunny17th Jan

Best way don’t spend what you don’t have, then you will never have to pay a …Best way don’t spend what you don’t have, then you will never have to pay a penny of credit card interest.if you want something, save up for it.


Actually 0% interest credit cards exist. And when they run out, 0% balance transfer cards exist. If you're clever, you can never pay interest or atleast for a very long time.
unhappybunny17th Jan

Best way don’t spend what you don’t have, then you will never have to pay a …Best way don’t spend what you don’t have, then you will never have to pay a penny of credit card interest.if you want something, save up for it.



Whilst you’re living in a tent.....
Rkp18th Jan

Amazon NewDay card£10 amazon gift card - joining bonus0.5% cashback (0.75% …Amazon NewDay card£10 amazon gift card - joining bonus0.5% cashback (0.75% amazon purchases) on all transactions - as soon as 1000 points £10 is credited to linked amazon account.Aqua reward card - credit builder card - no overseas transaction fee - 0.5% cashback (credited in year end though)


wrong, newday amazon doesn't give you any cashback.
ArcAndPie40 m ago

Actually 0% interest credit cards exist. And when they run out, 0% balance …Actually 0% interest credit cards exist. And when they run out, 0% balance transfer cards exist. If you're clever, you can never pay interest or atleast for a very long time.


what about transfer fee?ups...
OldCity45 m ago

what about transfer fee?ups...


They tend to be very low, like 1-3% at most. So say if you have £1000 it's only £10-30. A small fee for years upon years of interest free.
iGlad4 h, 16 m ago

Wow you must be quids in with the way interest rates are so high


I use the money in an offset account £10k card interest free against 4% mortgage =£400 per year (£800 over a 24 months 0% interest / 0% transfer fee deal) so yes you can be quids in. Also if you use this instead of interest Free credit you are more likely to get a discount -IFC costs the retailer money. The end of these deals is nigh... so if used sensibly ( and not to live on as the credit card company hopes ) they are 'free' money.
unhappybunny17th Jan

Best way don’t spend what you don’t have, then you will never have to pay a …Best way don’t spend what you don’t have, then you will never have to pay a penny of credit card interest.if you want something, save up for it.


Good luck buying a house without taking out a loan.
For anyone who does there weekly shop at Asda.

money.asda.com/cre…ds/

2% cashback on Asda groceries and Petrol / 1% on everything else. Cashback only comes in vouchers for Asda. There’s a £3 monthly fee.

Card not for every but excellent if you/wife spends a lot of time and money in Asda.
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