Credit Cards for Healthcare Staff

Whether you need to spread the cost of a big purchase or transfer a balance, Freedom Finance can help you quickly check what credit cards are available to you without harming your credit score.

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    Spread the Cost

Planning a big purchase? With a 0% purchase card you can spread the cost over the card’s 0% period without paying interest. When the 0% period ends, the card’s usual interest rate will apply.

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    Transfer a Balance

Currently paying interest on a credit card? Transfer your balance onto a balance transfer card and avoid paying interest for the card’s 0% period. When the 0% period ends, the card’s usual interest rate will apply.

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    Build your Credit Score

A credit builder card used little and often and repaid in full each month could boost your credit score and improve your eligibility for loans, credit cards and mortgages in the future.

Credit Card FAQs

  • The credit limit you are offered will depend on your credit history and your personal circumstances. All credit cards have a minimum and maximum credit limit. When you apply for a credit card, the card provider will give you a credit limit. If you aren’t immediately offered the maximum credit limit, your credit limit could increase in the future. 

  • A balance transfer card allows you to transfer the balance of another credit card on to it for a small fee. Balance transfer cards often come with initial 0% periods, for instance 0% interest for the first six months. 


    This means that won’t have pay interest on your credit card balance for the first six months, giving you time to clear the amount outstanding without it increasing further. Once the card’s 0% period comes to an end, the card’s usual interest rate will apply to any remaining balance. 

  • Purchase cards often come with an initial 0% period. For instance,  0% on purchases for the first six months. This means that you won’t pay interest on your spending for the first six months of owning the card.

    A purchase card gives you the opportunity to spread the cost of a big purchase or number of small purchases without being charged interest by paying them off in monthly instalments across the card’s 0% period. At the end of the card’s 0% period, the card’s usual APR will be applied to any outstanding balance.

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