The BT Card

The BT Credit Card offers a great range of benefits, including the option to reduce your phone bills. Every time you spend 2 or more using your card, money will be knocked off your BT phone bill up to a maximum of 75 a year. This is equivalent to a cashback rate of 0.5% for spending up to 250 in a month, rising to 1% on spending over 250. This is a very generous rate by cashback standards,

The card has a very reasonable standard rate of 16.9% typical APR, plus an introductory balance transfer deal of 0% for six months (fee applies) and 0% on supermarket and petrol purchases for 10 months on supermarket and petrol spending.

As you'd expect these days, you can manage your account online, but for times when you can't get web access there's a free 24 hour worldwide customer services helpline.

BT Card In Brief

Standard Rate:16.9% Representative APR (variable)
Balance Transfer Deal?0% APR for six months (2% handling fee transfer fee applies)
Purchases Deal?0% APR for 10 months on supermarket and petrol spending
Minimum Balance Transfer Fee:£3
Introductory Cashback
Standard CashbackUp to 1%, applied to your phone bill
Annual Fee:-
Interest Free Period:Maximum 50 days on purchases
Minimum Repayment:The greater of 1% or £25
Minimum Credit Limit:None
Maximum Credit Limit:Subject to status
Notes:Build up phone bill discounts as you spend
Representative Example:Assumed borrowing of £1200, representative 16.9% APR (variable). Purchase rate 16.9% PA.

Credit Card Sense