You asked about the first direct Credit Card: here is how it works, what it costs and what makes it worth considering.
See eligibility & how to apply →
Below you’ll find the rates, fees and offers on this card, plus how it works day to day.
Paying your balance in full each month means you will not pay interest on purchases.
A card that fits the way you spend
Existing customers0% balance transfersNo annual fee
💳 Rates & fees
- Representative APR: 24.9% APR (variable)
- Intro offer: 0% on balance transfers for 20 months (within 90 days)
- Balance transfer fee: 2.99% (minimum £5)
- Annual fee: None
⚙️ How it works
Your credit limit and rate are set by the issuer after checking your application. Pay at least the minimum each month; paying the full balance on time means you avoid interest on purchases. Introductory offers usually end after a set period.
🔍 Check your eligibility first
Many issuers offer an eligibility checker that uses a soft search, so you can see your chances of approval without affecting your credit score.
Your rate, credit limit and promotional period depend on the provider's credit and affordability checks; check the summary box before applying.