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.
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BT Card In Brief
| Standard Rate: | 16.9% typical APR (variable) |
| Balance Transfer Deal? | 0% APR for six months |
| Purchases Deal? | 0% APR for 10 months on supermarket and petrol spending |
| Balance Transfer Fee: | 2% handling fee |
| Minimum Balance Transfer Fee: | £3 |
| Introductory Cashback | |
| Standard Cashback | Up to 1%, applied to your phone bill |
| Rewards Program? | |
| 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 |
