What we think of it...

THE Egg credit card is a really superb all-round card, offering tonnes of offers and deals making this card great for almost all credit card usage.

For the rate tarts amongst us, the Egg credit card will be sure to please, offering a fantastic 0% balance transfer deal until September 2009 - that's almost 14 whole months! On top of this, you'll also get an additional 0% balance transfer rate for 5 months on the anniversary of your account opening in 2010 and 2011.

Use this wisely and you could be quids in.

The Egg credit card wins top marks for cardholder extras, offering up a selection of free services including purchase protection, an online fraud guarantee and travel accident insurance too. Helping to keep you, your money and your purchases safe, and you don't have to do anything but pay with your Egg credit card!

The Egg credit card has brand appeal, it looks good, but more than that, it is a really great credit card to use again and again, whether to keep your purchases and money safe or for rate tarts who can now transfer to a 0% rate not just in the first year, but the second and third years too!

A little more detail

Rates and Fees

			Special Note..	Any good?
Typical APR		16.9% APR (variable) -	-
Introductory Purchase Rate		0% until 1 October 2008	-
Balance Transfer Rate		0% until 1 September 2009 another 0% for 5 months in 2010 & 2011	Must reach the account by 1 October 2008. The anniversary offer entitles you to another 0% rate on balance transfers for 5 months on the anniversary of your account opening in 2010 and 2011.
Balance Transfer Fee		3%	Introductory balance transfers carry a handling fee of 3%. Anniversary offer balance transfers carry a handling fee of 2.5%.
Cash Withdrawal Rate		24.9% p.a. (variable)	-
Cash Withdrawal Fee		3% (£3 minimum)	-
Annual Fee		£0	-
Foreign Transaction Fee		2.75%	-

Rewards

			Special Note..	Any good?
Reward Type #1	-	Cash Back	Up to 10% at selected retailers. Shop online with your Egg credit card through the egg.co.uk website and you'll get up to 10% cash back. Selected retailers include LastMinute.com, 0800flowers, Dixons.co.uk, Lounge Pass and Truprint.
Reward Type #2	-	Shopping Discounts	Up to 25% off with selected retailers. Shop online with your Egg credit card through the egg.co.uk website and you'll get a range of money-back offers and discounts. Retailers include figleaves.com, Virgin Wines, buyagift.com, I Want One of Those, Joe Browns, BCP Airport Parking, Holiday Autos and MyMovieStream.
Reward Type #3	-	Egg Insurance Savings	Save money when you take out Egg insurance policies on your Egg credit card. - 10% discount with Egg Travel Insurance - 0% for 12 months on Egg Motor Insurance Premiums.

Extras

			Special Note..	Any good?
Online Account Management		Yes	There are no 'on-the-street' banks; banking can only be done online, via post or at the post office and over the telephone.-
Purchase Protection		Up to £1,000 per item	Goods costing £25 or more bought with this card will be covered for up to £1,000 per item against damage, loss and theft before you get them home, or for up to 30 days, whichever comes first.-
Internet Shopping Guarantee		Yes	-
Travel Accident Insurance		Up to £50,000	When you pay for your travel with the Egg credit card you and your family will be covered against death or serious injury whilst abroad.
Optional Extras	-	- Card protection insurance - Repayment protection insurance	This is not a free service, but is available for this card.

Payments

			Special Note..	Any good?
Credit Limit		£500 minimum	Credit limit may vary from person to person and is subject to status.
Interest Free Period		Up to 45 days	There is no interest free period on cash withdrawals or balance transfers outside of the introductory period.
Minimum Monthly Payment		2% (£5 minimum)	-
Allocation of Payments		Introductory rate balance transfers » Interest charges and fees » Non-introductory balance transfers » Purchases (including introductory rate purchases) » Cash withdrawals	-
Default Charges		£16	-
Copy of Statement Fee		£2	-

Card Details

			Special Note..	Any good?
Online Application	-	Yes	Instant decision, in most cases. Remember: always ensure you meet the application requirements before applying, as getting rejected can affect your credit score.
Card Type		Classic	People with an average to good credit rating and who satisfy the approval criteria (see online application) will be considered for this card.
Payment Company		Visa	-
Card Issuer		Egg	-
Card Advertiser		Egg	-

At a Glance

Typical APR	16.9% APR
Credit limit	£500 minimum
Intro purchases	0% until 1 October 2008
Balance transfer	0% until 1 September 2009 another 0% for 5 months in 2010 & 2011 (3% transfer fee)
Cash back	Up to 10%
Rewards	Shopping discounts
Interest free period	Up to 45 days
Annual fee	£0

	This card includes:
	Online Account Management
	Purchase Protection Insurance
	Internet Fraud Guarantee
	Travel Accident Insurance
	It is best suited for:
	Just about everyone! But especially good for balance transfers, large initial purchases or the collecting of cash back rewards.
	Wait! Only apply if you are...
Aged 18 or over UK resident Have a UK bank or building society account Have regular Internet access Have a personal e-mail address at home or work

More about this card...

If you find yourself needing to transfer card balances often, or even just want to transfer one now, this may be just the credit card for you.

Transfer your balance now, and in the future
The Egg credit card offers a 0% balance transfer rate until September 2009 now, and then you'll get another 5 months next year, and the year after that.

There is a 3% handling fee on introductory balance transfers and a 2.5% handling fee on following year balance transfers, but this will be certainly much less than any interest you may be currently paying.

Want some cash back?
Egg also offers a heap of cash back and shopping discounts when you use the Egg credit card to shop online with selected retailers via the Egg.com website.

You can earn yourself up to 10% cash back with LastMinute.com, 0800flowers, Dixons.co.uk, Lounge Pass and Truprint.

These retailers and the amounts of cash back awarded do vary from time to time, so keep an eye on the Egg.com website for new offers.

When you shop online via Egg.com you'll also be able to benefit from a number of shopping discounts of up to 25% off at figleaves.com, Virgin Wines, buyagift.com, I Want One of Those, Joe Browns, BCP Airport Parking, Holiday Autos and MyMovieStream.

Looking after you
The Egg credit card offers up a service that makes using a credit card what it should be; safe and secure, looking after your money and your purchases.

As an Egg credit card cardholder you'll receive free purchase protection covering your purchases for up to £1,000 against damage, loss and theft until you get them home or for up to 30 days.

With your purchases covered, you're money will also be protected too, with Egg's Internet shopping guarantee; which offers guaranteed protection against any fraudulent transactions made without your consent. So with the Egg credit card you can shop online happily, in the knowledge that both your purchases and your money will be kept safe.

The Egg credit card also provides free travel accident insurance when you pay for your trip with the card. You and your family will be covered against serious injury and death whilst abroad for up to £50,000. Please remember though, this is not a substitute for comprehensive travel insurance.

Final word
However you want to save money or make money the Egg credit card is one you'll want to keep hold of, bringing with it some fabulous shopping rewards and money back offers.

The Egg credit card is great for saving money too, reducing the amount of cards you need to take out for 0% balance transfers, as you can transfer away at the end of the first intro period, and then transfer back to the same card in the second and third year too.