NHS Credit Cards

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.

  • Icon - Percentage

    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.

  • Icon - Arrow

    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.

  • Icon - Percentage

    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.

Freedom Finance is a trading style of Freedom Finance Limited registered in England and Wales. Company number 06297533. VAT Registration Number: 257 0001 44. Freedom Finance is authorised and regulated by the Financial Conduct Authority. Firm registration number 662079. See www.fca.org.uk Registered office: Atlantic House, Atlas Business Park, Simonsway, Manchester, M22 5PR. Copyright © 2010–2020 Freedom Finance Limited. All rights reserved. Reproduction in whole or in part without permission is prohibited. Calls may be recorded for training and monitoring purposes
Your home may be possessed if you do not keep up with certain types of repayments.

What do our members say?