Standard Interest Rate: Typical 19.9% APR variable.
Reward Scheme: Earn 1 BA Mile for virtually every £1 you spend.
Additional Ticket For Your Companion: Redeem your BA Miles on a British Airways flight and, if you've spent £20,000 on your Card, we'll give you another ticket for a companion, for the same flight.
Additonal Cards: Free
Balance Transfer Rate: 4.9% p.a. for the life of the balance on all balances transferred within the first 6 months.

Standard Interest Rate: Typical 22.4% APR variable.
Reward Scheme: Earn 1.25 BA Miles for virtually every £1 you spend. Double BA Miles on British Airways flights.
Additional Ticket For Your Companion: Redeem your BA Miles on a British Airways flight and, if you've spent £17,500 on your Card, we'll give you another ticket for a companion, for the same flight.
Additonal Cards: Free
Balance Transfer Rate: 4.9% p.a. for the life of the balance on all balances transferred within the first 6 months.

Typical 26.0% APR variable.
Standard Interest Rate: Typical 26.0% APR variable.
Reward Scheme: Earn 1.5 BA Miles for virtually every £1 you spend. Double BA Miles on British Airways flights.
Additional Ticket For Your Companion: Redeem your BA Miles on a British Airways flight and, if you've spent £15,000 on your Card, we'll give you another ticket for a companion, for the same flight.
Additonal Cards: Free
Balance Transfer Rate: 4.9% p.a. for the life of the balance on all balances transferred within the first 6 months.

Typical 6.9%APR variable1
Double MoneyBack for the 1st 3 months and up to 1% thereafter2
6.9%p.a permanently low balance transfer rate, for Balances Transferred in the 1st 6 months3
Online Account Access
24 hour Customer Service
Online Fraud Protection4
Free Additional Cards
Purchase Protection Benefit5

Standard Interest Rate: Typical 12.9% APR Variable
Reward Scheme: Earn 1 Nectar point for almost every £ you spend. Earn 2 Nectar points for almost every £ you spend at participating Nectar Sponsors.
Balance Transfer Rate: 5.9% p.a. for the life of the balance on all balances transferred within the first 6 months.
Security when you shop: Refund and Purchase Protection and Online Fraud Guarantee. Chip and PIN.
Security when you shop: Refund and Purchase Protection and Online Fraud Guarantee. Chip and PIN.
Annual Fee: Free
Annual Management Reporting: N/A

Standard Interest Rate: Typical 12.9% APR Variable
Reward Scheme: Earn 1 Nectar point for almost every £ you spend. Earn 2 Nectar points for almost every £ you spend at participating Nectar Sponsors.
Balance Transfer Rate: 5.9% p.a. for the life of the balance on all balances transferred within the first 6 months.
Annual Fee: Free
Annual Management Reporting: Free end of tax year report breaking down entire year's business expenditure for each Cardmember by spend category.

* 4.9 % p.a. permanently low balance Transfer rate, for balances transferred in the first 6 months2
* Typical 14.9%APR variable2
* Online account management
* 24 hour customer service
* Purchase protection3, refund protection3 and online fraud guarantee4

No annual fee for the first year and just £95 a year thereafter
No pre-set spending limit
Free Supplementary Cards
Regular financial reports
Discounts on Everyday Business Purchases

Refundable in 24 hours, balance returned if lost or stolen usually within 24 hours
Accepted at millions of places worldwide: shops, restaurants and ATMs (where the American Express logo is displayed)
Prepaid & Reloadable via website or telephone
Funds never expire
Passport and Credit Card Replacement Assistance
Worldwide Customer Service
The safety of Travellers Cheques. The convenience of a Card.

Low interest rate of 9.9% APR (variable) on anything you buy and any balances you transfer
You can look at your account on-line whenever you like, wherever you are
You can get exclusive offers on the net through shopping partners
Protection against lost or damaged goods to the value of £500 until they've safely arrived
In the event of accident, sickness or losing your job, our optional Payment Protection Insurance will cover your repayments

4.59% AER on any credit balance 24 hour service, 7 days a week
No charge for normal day-to-day banking transactions in the UK
Free telephone banking, with access to highly trained personal bankers
Free Citibank Online service
No need to pay in your salary and no monthly minimum deposit required

""My credit history is excellent and I have a balance to transfer"
5.94% p.a. for the life of balance transfers made in the first 6 months

0% p.a. on purchases for the first 6 months
Typical 12.9% APR variable
Credit limit of up to £25,000

"I want a rate that starts and stays low and I have an excellent credit
history"

Typical 6.9% APR variable
6.94% p.a. on purchases and balance transfers
Low rates that stay low
Credit limit of up to £25,000

""My credit history is excellent and I have a balance to transfer"
5.94% p.a. for the life of balance transfers made in the first 6 months

0% p.a. on purchases for the first 6 months
Typical 12.9% APR variable
Credit limit of up to £25,000

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