You can join niches like non-smoking, organic, psychic, cigar, coffee, mullets and classical (music). The site is mostly for verified college students and alumni.If you can fit the bill, however, the site gives you awesome features.The 0pc rate on balance and money transfers for up to six month allows the debt to be shifted if you run into difficulty early on.Representative APR (variable): 52.1pc (including annual fee) Interest free purchase period: 12 months Interest free balance transfer period: 28 months, 3pc fee Welcome bonus: No Annual fee: £140 This offering from Lloyds is another account with a sizeable fee and high rate - but it provides big rewards.
Here's a breakdown of what you would have to spend on a selection of reward cards to reach various destinations.
You will earn 1.5 Avios points for every pound you spend on the Amex card, although there is a less attractive reward rate on the Mastercard that is also provided.
On the Amex card, you will receive six months of double Avios points up to a maximum eligible spend of £2,500 per month.
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