Mint credit card

The Mint credit card is best known for its unusual shape and painfully unfunny TV adverts, but it's worth taking seriously: there's an introductory rate of 0% APR and a 11.9% standard APR, a 0.5% cashback rate or a flat 7.9% APR with no introductory period.

The Mint credit card is available in four forms: standard, Gold, Platinum and MC2. MC2 is the oddly shaped one, while the other cards offer roughly the same features but higher credit limits (Platinum is the highest) and levels of insurance. Yet again, it's a Royal Bank of Scotland card.

Whichever Mint credit card you choose, you'll be offered 0% on balance transfers and purchases for the first 8 months, followed by 3.9% for the lifetime of the balance transfer and 11.9% APR on purchases. The Mint credit card also offers 0.5% cashback on purchases, and you can use it to transfer money to your bank account. However, if you want to qualify for the highest cashback rate you'll need to pay an annual fee of £10. Alternatively, you can ignore the 0% introductory offer and take a flat rate of 7.9% APR variable.

If cashback matters to you then it's worth taking a look at the Mint credit card, but there are better APRs available from other providers.

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