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Alliance & Leicester Credit Card Review
Summary
The Alliance & Leicester credit card has a combination of competitive rates and good added value features. They have all the online functionality you could need as well as the reassurance of a physical presence on the high street. The introductory balance transfer rate of 0% lasts for 12 months on any balances you transfer in the first 90 days (3% handlind fee applies) which could save you money. You also get 0% for 3 months on purchases. The standard rate is 15.9% APR. Other benefits include optional payment protection cover and credit limits up to £50,000. You can apply online and even manage your account online as well as having a normal monthly statement through the post.
Details
| Introductory Balance Transfers | 0% |
| Monthly Rate | 0% |
| Period | 12 Months |
| Introductory Purchases | n/a |
| Monthly Rate | n/a |
| Period | n/a |
| Standard APR | 15.9% |
| Monthly Rate | 1.2408% |
| Cash Advance APR | 27.9% |
| Cash Advance Fee | 2.25% (Min £2.50) |
| Minimum Payment Required | 2.25% (Min £5) |
| Annual Fee | None |
| Loyalty Points | None |
| Travel Accident Insurance | £250,000 |
| Free Purchase Protection | None |
| Foreign Usage Fee | 2.75% |
Other Alliance & Leicester Credit Card Features and Benefits
- No annual fee
- 24hr customer service line
- Manage your account online
- Online applications
Alliance & Leicester Credit Card Verdict
The Alliance & Leicester credit card is a reasonable product. The rates on offer are very competitive and they offer a good range of benefits. The 0% on balance transfers is particularly attractive.