Credit card company	Balance Transfer rates and period?	Typical APR?	PA (cash) ?	Fees	Cashback Details
1American Express Platinum Cash Back Card	-	18.9%	27.9%	Nil	Introductory 5.00% for 3 months on spend up to £4,000 per year. Standard 0.50% on spend up to £3,500 per year. 1.00% on spend between £3,501 - £10,000 per year. 1.50% on spend over £10,001 per year. No rebate will be made if the amount is less than £12 in the 12 months up to anniversary date.
2Bank of Ireland (UK) Moneyback MasterCard	0.0% for 3 months	17.9%	24.942%		Standard 0.50% on spend up to £15,000 per year.
3Barclaycard OnePulse with Cashback Visa	-	14.9%	27.9%	Nil	Standard 0.50% on spend up to £6,000 per month. 5% cashback on Transport For London spend
4Egg Money MasterCard	-	12.9%§	16.9%	Nil	Standard 1.00% per year. Minimum cashback payment is £5.
5First Trust Bank (NI) Visa Option 1	-	18.9%	18.899%	Nil	Standard 0.50% on spend over £5,000 per year. For initial £5K a £25 cash back is paid, for each £200 spend above £5K a further 0.5% is paid.
6Smile Classic Visa	-	20.9%	23.9%		Standard 0.50% per month.

Credit card company

Balance Transfer rates and period?

Typical
APR?

PA
(cash) ?

Fees

Cashback Details

American Express Platinum Cash Back Card

18.9%

27.9%

Nil

Introductory 5.00% for 3 months on spend up to £4,000 per year. Standard 0.50% on spend up to £3,500 per year. 1.00% on spend between £3,501 - £10,000 per year. 1.50% on spend over £10,001 per year. No rebate will be made if the amount is less than £12 in the 12 months up to anniversary date.