Mint Card

The Mint Card broke the mould of the UK credit card market, with it's optional 'cutaway' shape - the first card to move away from the plain rectangular design. While this certainly makes the card stand out from the crowd, it unfortunately means that it can't be used in some ticket machines and other technologies, although it should work in nearly all cash machines.

Gimmicks aside, the card features a good introductory deal on balance transfers, with 0% until 1st August 2009. Note however that, as is nearly always the case, a balance transfer fee applies, at the rate of 2.9% of the transaction amount.

There's also an introductory purchase rate of 0% until 1st January 2008.

As the Mint Card is issued by the Royal Bank of Scotland, holders of other cards from that company will not be able to take advantage of the introductory offers.

All in all, the Mint card is a solid offering with a decent standard rate by today's standards, and one of the longest balance transfer deals around. If you want cashback or rewards, however, you'll need to look elsewhere.

Mint Card Summary

Standard Rate:	14.9% typical APR (variable)
Balance Transfer Deal?	0% APR until 1st August 2009
Purchases Deal?	0% APR until 1st January 2008
Balance Transfer Fee:	2.9% of the transaction amount
Minimum Balance Transfer Fee:	£5
Introductory Cashback
Standard Cashback	-
Rewards Program?	Wine and travel clubs
Annual Fee:	-
Interest Free Period:	Maximum 59 days for purchases if you pay your balance in full and on time, and have paid the previous month's balance in full and on time
Minimum Repayment:	Greater of 2.25% of your outstanding balance (rounded down to the nearest pound) or £5 each month
Maximum Credit Limit:	Up to £7,500 for Classic Cardholders
Notes:	The Mint Card features one of the longest 0% introductory periods available