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HFC Bank UK
CREDIT CARD APPLICATIONS

HFC Bank was first established as a wholly-owned subsidiary of Household Finance International Inc. Later, the merger with Beneficial Finance Corp. established a new bank with great goals and opportunities. Today, HFC Bank is the UK's leading consumer finance organization.

The bank lends money to over three million customers, helping them organize their financial needs so they have no difficulties making the purchases they want. HFC Bank's no fee Platinum Mastercard cards offer competitive APRs, rewards and excellent services. So, if you are looking for an easy and effective way to manage your finances, while saving with low interest rates, apply for an HFC Bank card online!

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THE BANK'S PRODUCTS ARE NOT AVAILABLE IN THE U.S.

  • Best Cards
  • Excellent / Good Credit
  • Fair / Bad Credit
  • Limited/No Credit
Viewing 1 - 2 of 3

our choice

Rating 3.8

Excellent, Good, Fair, Average Credit

REWARDS BONUS

  • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions**

REWARDS

  • 1.5% unlimited cash back on every purchase
  • Up to 10% cash back from your favorite brands with Upgrade Shopping

INTRO APR ON PURCHASES

  • N/A

REGULAR APR

  • 14.99% - 29.99%

ANNUAL FEE

  • $0
Not available to the U.S. residents

Rating 2.0

Excellent / Good Credit

REWARDS BONUS

  • No bonus offer81

REWARDS

  • No rewards81

INTRO APR ON PURCHASES

  • N/A81

REGULAR APR

  • 16.9%81

ANNUAL FEE

  • £081

Rating 3.8

Excellent, Good, Fair, Average Credit

REWARDS BONUS

  • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions**

REWARDS

  • 3% unlimited cash back on every purchase in Home, Health, and Auto categories
  • Up to 10% cash back from your favorite brands with Upgrade Shopping

INTRO APR ON PURCHASES

  • N/A

REGULAR APR

  • 14.99% - 29.99%

ANNUAL FEE

  • $0
Viewing 1 - 2 of 3

our choice

Rating 3.8

Excellent, Good, Fair, Average Credit

REWARDS BONUS

  • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions**

REWARDS

  • 3% unlimited cash back on every purchase in Home, Health, and Auto categories
  • Up to 10% cash back from your favorite brands with Upgrade Shopping

ANNUAL FEE

  • $0

Rating 3.8

Excellent, Good, Fair, Average Credit

REWARDS BONUS

  • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions**

REWARDS

  • 1.5% unlimited cash back on every purchase
  • Up to 10% cash back from your favorite brands with Upgrade Shopping

ANNUAL FEE

  • $0

Rating 4.1

Excellent/Good Credit

REWARDS BONUS

  • Receive a $200 statement credit when you spend $3,000 in the first 3 months.

REWARDS

  • Earn 5 Rocket Rewards points for every dollar spent. There’s no limit on how many points you can earn!

ANNUAL FEE

  • $95 - waived for customers who have an existing, serviced mortgage with Rocket Mortgage
Viewing 1 - 2 of 3

our choice

INTRO APR ON PURCHASES

  • N/A

REGULAR APR

  • 36% Fixed

ANNUAL FEE

  • $85 - $175 first year, $229 thereafter

KEY FEATURE

  • Earn Cash Back Rewards* on All Eligible Purchases – 3% on Gas, Groceries, and Utilities, and 1% on All Other Eligible Purchases

INTRO APR ON PURCHASES

  • N/A

REGULAR APR

  • 36% Fixed

ANNUAL FEE

  • $85 - $175 first year, $229 thereafter

KEY FEATURE

  • Earn Cash Back Rewards* on All Eligible Purchases – 3% on Gas, Groceries, and Utilities, and 1% on All Other Eligible Purchases

Rating 3.7

Bad, Fair, Good Credit

INTRO APR ON PURCHASES

  • See website for Details*

REGULAR APR

  • 35.90% Fixed

ANNUAL FEE

  • $75 - $125

KEY FEATURE

  • See if you Pre-Qualify with No Impact to your Credit Score
Viewing 1 - 2 of 3

our choice

KEY FEATURE

  • Earn Cash Back Rewards* on All Eligible Purchases – 3% on Gas, Groceries, and Utilities, and 1% on All Other Eligible Purchases

CREDIT REPORTING

  • Yes

ANNUAL FEE

  • $85 - $175 first year, $229 thereafter

Rating 3.7

Bad, Fair, Good Credit

KEY FEATURE

  • See if you Pre-Qualify with No Impact to your Credit Score

CREDIT REPORTING

  • Yes

ANNUAL FEE

  • $75 - $125

Rating 3.6

Any Credit Welcome

CREDIT CHECK

  • No

INSTANT RESPONSE

  • No

MINIMUM LOAN AMOUNT

  • $100

other alternatives TO HFC BANK UK
CREDIT CARDS

our choice

Rating 3.9

  • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions**
  • 3% unlimited cash back on Gas, Groceries, Health, Streaming, and Utilities and unlimited 1% cash back on all other purchases
  • No annual fee
  • Pay no interest when you pay your full balance early*
  • Enjoy Visa Signature benefits, like Roadside Dispatch, Price Protection, Extended Warranty and more
  • Up to 10% cash back from your favorite brands with Upgrade Shopping
  • No touch payments with contactless technology built in
  • See if you qualify in seconds with no impact to your credit score
  • Great for everyday expenses and large purchases with predictable payments you can budget for
  • Mobile app to access your account anytime, anywhere
  • Use your card anywhere Visa is accepted
  • Relax knowing that you are protected in case of unauthorized transactions with Visa's Zero Liability Policy

our choice

$0
Annual Fee
Annual Fee:
$0
Foreign Transaction Fee:
Up to 3%
Late Payment Fee:
May apply
$200
Cash Back Bonus
Bonus Offer:
$200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions**
Up to
10%
Cash Back
Max. Rewards:
Up to 10% cash back from your favorite brands with Upgrade Shopping
Rewards on everyday purchases:
unlimited 1% cash back on all other purchases
Redemption Options:
See terms

our choice

Rating 4.1

  • Receive a $200 statement credit when you spend $3,000 in the first 3 months.
  • Earn 5 Rocket Rewards points for every dollar spent. There’s no limit on how many points you can earn!
  • Redeem earned points towards Roket Mortgage closing costs, including downpayment, Rocket Mortgage Principal, or as statement credit.
  • No annual fee if you have a mortgage with Rocket. $95 annual fee otherwise.
  • Manage your card and finances using Rocket Money app.
  • Digital card security with built-in features, like Freeze Card.
  • Visa Signature benefits, like extended warranty protection, cell phone protection, porch piracy protection.
  • See if you’re preapproved in as little as 2 minutes with no impact to your credit score.

our choice

Get a
$200
Statement Credit
Bonus Offer:
Receive a $200 statement credit when you spend $3,000 in the first 3 months.
Earn More
on Your
Daily Spending
Rewards on Everyday Purchases:
Earn 5 Rocket Rewards points for every dollar spent. There’s no limit on how many points you can earn!
Redemption Options:
Redeem earned points towards Roket Mortgage closing costs, including downpayment, Rocket Mortgage Principal, or as statement credit.
Rewards Expiration:
So long as your Rocket Visa Signature Card remains in good standing, your Points never expire.
No
Foreign Transaction Fee
Foreign Transaction Fee:
None
Annual Fee:
$95 - waived for customers who have an existing, serviced mortgage with Rocket Mortgage
Late Payment Fee:
Up to $25

our choice

Rating 3.8

  • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions**
  • 3% unlimited cash back on every purchase in Home, Health, and Auto categories
  • No annual fee
  • Enjoy Visa Signature benefits, like Roadside Dispatch, Price Protection, Extended Warranty and more
  • Up to 10% cash back from your favorite brands with Upgrade Shopping
  • No touch payments with contactless technology built in
  • See if you qualify in seconds with no impact to your credit score
  • Great for large purchases with predictable payments you can budget for
  • Mobile app to access your account anytime, anywhere
  • Use your card anywhere Visa is accepted
  • Relax knowing that you are protected in case of unauthorized transactions with Visa’s Zero Liability Policy

our choice

$200
Cash Back Bonus
Bonus Offer:
$200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions**
Up to
10%
Cash Back
Max. Rewards:
Up to 10% cash back from your favorite brands with Upgrade Shopping
$0
Annual Fee
Annual Fee:
$0
Foreign Transaction Fee:
Up to 3%
Late Payment Fee:
May apply

our choice

Rating 3.8

  • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions**
  • 1.5% unlimited cash back on every purchase
  • No annual fee
  • See if you qualify in seconds with no impact to your credit score
  • Combine the flexibility of a card with the predictability of a personal loan
  • Enjoy Visa Signature benefits, like Roadside Dispatch, Price Protection, Extended Warranty Protection, and more
  • Up to 10% cash back from your favorite brands with Upgrade Shopping
  • Contactless payments with Apple Pay® and Google Wallet™
  • Mobile app to access your account anytime, anywhere
  • Use your card anywhere Visa is accepted
  • Relax knowing that you are protected in case of unauthorized transactions with Visa’s Zero Liability Policy

our choice

$200
Cash Back Bonus
Bonus Offer:
$200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions**
Up to
10%
Cash Back
Max. Rewards:
Up to 10% cash back from your favorite brands with Upgrade Shopping
Rewards on everyday purchases:
1.5% unlimited cash back on every purchase
Redemption Options:
See terms
$0
Annual Fee
Annual Fee:
$0
Foreign Transaction Fee:
Up to 3%
Late Payment Fee:
May apply

our choice

Rating 3.9

  • Earn Cash Back Rewards* on All Eligible Purchases – 3% on Gas, Groceries, and Utilities, and 1% on All Other Eligible Purchases
  • Up to $1,000 credit limit subject to credit approval
  • Prequalify** without affecting your credit score
  • No security deposit
  • Free access to your Credit Score
  • *See Program Terms for important information about the cash back rewards program.
  • ** Prequalify means that you authorize us to make a soft inquiry into your credit history (that will not affect your credit) to create an offer. If you accept an offer a hard inquiry will be made. Final approval is not guaranteed if you do not meet all applicable criteria (including adequate proof of ability to repay). Income verification through access to your bank account information may be required.
  • Your credit score will be available in your online account starting 60 days after your account is opened. (Registration required.) The free VantageScore 4.0 credit score provided by TransUnion® is for educational purposes only. This score may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.

our choice

Up to
3%
Cash Back
Max. Rewards:
Earn 3% Cash Back Rewards* on Gas, Groceries and Utility Bill Payments
Rewards on everyday purchases:
Earn 1% Cash Back Rewards* on all other eligible purchases
Redemption Options:
See terms
Reporting
to the Major Consumer Reporting Agencies
Build Credit:
Yes
Card Usage:
Use Anywhere Mastercard is Accepted
Credit Check:
Yes
Instant Response
Instant Response:
Yes
Card Network:
Mastercard
Credit Check:
Yes

our choice

Rating 3.7

  • Up to $1,000 Initial Credit Limit
  • See if you Pre-Qualify with No Impact to your Credit Score
  • Less than perfect credit? We understand. The Reflex Mastercard is ideal for people looking to rebuild their credit.
  • With responsible card use, you may be able to rebuild or improve your credit
  • Unsecured credit card that requires No Security Deposit
  • Perfect card for everyday purchases and unexpected expenses
  • Monthly reporting to the three major credit bureaus
  • Access to your Vantage 3.0 Score from Experian (when you sign up for e-statements)
  • Use your card everywhere Mastercard is accepted at millions of locations
  • Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)

our choice

Up to
$1,000
Credit Limit
Security Deposit:
No
Credit Line:
Up to $1,000 Initial Credit Limit
Credit Line Increase:
See terms
Reporting
to the Major Consumer Reporting Agencies
Credit Bureau Reporting:
Yes
Card Category:
Unsecured
Checking Account Required:
Yes
Instant Response
Instant Response:
Yes
Card Network:
Mastercard®
Credit Check:
Yes

card offers FROM
HFC BANK UK

We offer convenient, fast and secure application services for those looking to apply for credit card online. There's no need to fill out paperwork that would take hours to complete. Now you can apply for a card of your choice without leaving your home. All you need to do is click on the "Apply" button and start filling in the online form.

Please take note that all the HFC Bank's credit cards featured online are designed for customers with good-to-excellent credit references. So, be sure to verify your eligibility by pulling your consumer credit report from one of the credit bureaus before applying.

Qualifying customers will get easy access to funds and enjoy a range of valuable benefits such as: no annual maintenance fees, low APRs and flexible credit limits. Plus, HFC Bank customers will be able to organize and control their finances with the help of additional services, such as: online account management, online bill payment and online balance transfers that are available to you anytime, anywhere.

If you want to make the best use of an HFC bank credit card, you should follow the basic rules of wise credit management - pay your bills on time and keep your spending below the card's limit.

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