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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

  • Earn 1.5% unlimited cash back on card purchases every time you make a payment

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

  • Unlimited cash back on payments: 3% on Home, Auto, and Health categories and 1% on everything else after you make payments on your purchases

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

  • Unlimited cash back on payments: 3% on Home, Auto, and Health categories and 1% on everything else after you make payments on your purchases

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

  • Earn 1.5% unlimited cash back on card purchases every time you make a payment

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

  • 29.99% or 36% Fixed

ANNUAL FEE

  • As low as $85

KEY FEATURE

  • Earn 3% Cash Back Rewards* on Gas, Groceries and Utility Bill Payments

INTRO APR ON PURCHASES

  • N/A

REGULAR APR

  • 29.99% or 36% Fixed

ANNUAL FEE

  • As low as $85

KEY FEATURE

  • Earn 3% Cash Back Rewards* on Gas, Groceries and Utility Bill Payments

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’re Pre-Qualified without impacting your credit score
Viewing 1 - 2 of 3

our choice

KEY FEATURE

  • Earn 3% Cash Back Rewards* on Gas, Groceries and Utility Bill Payments

CREDIT REPORTING

  • Yes

ANNUAL FEE

  • As low as $85

Rating 3.7

Bad, Fair, Good Credit

KEY FEATURE

  • See if you’re Pre-Qualified without impacting 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% Cash Back on payments for Gas, Grocery, Health, Streaming, and Utility categories , 1% cash back on everything else (Target and Walmart earn 1%)
  • Pay your balance in full early each month and avoid interest with EarlyPay*
  • Combine the flexibility of a credit card with the predictability of a personal loan
  • No annual fee
  • No touch payments with contactless technology built in
  • See if you qualify in minutes without hurting your credit score
  • Great for large purchases with predictable payments you can budget for
  • Mobile app to access your account anytime, anywhere

our choice

$0
Annual Fee
Annual Fee
$0
Foreign Transaction Fee
Up to 3%
Late Payment Fee
$0
$200
Cash Back Bonus
Bonus Offer
$200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions**
Up to
3%
Cash Back
Max. Rewards
3% Cash Back on payments for Gas, Grocery, Health, Streaming, and Utility categories , 1% cash back on everything else (Target and Walmart earn 1%)

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 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**
  • Unlimited cash back on payments: 3% on Home, Auto, and Health categories and 1% on everything else after you make payments on your purchases
  • No annual fee
  • Combine the flexibility of a credit card with the predictability of a personal loan
  • No touch payments with contactless technology built in
  • See if you qualify in minutes without hurting your credit score
  • Great for large purchases with predictable payments you can budget for
  • Mobile app to access your account anytime, anywhere

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
3%
Cash Back
Max. Rewards
3% cash back on Home, Auto and Health Categories
$0
Annual Fee
Annual Fee
$0
Foreign Transaction Fee
Up to 3%
Late Payment Fee
$0

our choice

Rating 3.8

  • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions**
  • Earn 1.5% unlimited cash back on card purchases every time you make a payment
  • Combine the flexibility of a credit card with the predictability of a personal loan
  • No annual fee
  • No touch payments with contactless technology built in
  • See if you qualify in minutes without hurting your credit score
  • Great for large purchases with predictable payments you can budget for
  • Mobile app to access your account anytime, anywhere

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
1.5%
Cash Back
Max. Rewards
Earn 1.5% unlimited cash back on card purchases every time you make a payment
$0
Annual Fee
Annual Fee
$0
Foreign Transaction Fee
Up to 3%
Late Payment Fee
$0

our choice

Rating 3.9

  • Earn 3% Cash Back Rewards* on Gas, Groceries and Utility Bill Payments
  • Earn 1% Cash Back Rewards* 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 VantageScore 4.0 score from TransUnion®

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
Credit Check
Yes
Instant Response
Instant Response
Yes
Card Network
Mastercard®
Credit Check
Yes

our choice

Rating 3.7

  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • See if you’re Pre-Qualified with no impact to your credit score
  • All credit types welcome to apply
  • Access to your Vantage 3.0 score from Experian (When you sign up for e-statements)
  • Initial Credit Limit of $300 – $1,000 (subject to available credit)
  • Monthly reporting to the three major credit bureaus
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • Checking Account Required

our choice

Double Your Line
Credit Line
$300 - $1,000 credit limit doubles up to $2,000! (after first 6 monthly payments on time)*
Credit Check
Yes
Pre-Approval
See if you’re Pre-Qualified with no impact to your credit score
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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