Natwest Platinum or YourPoints World Master Card

Kayz_2

Hi guys, i am after an interest free 0% on purchases for a minimum of 4 months to borrow 3k for something i need to buy. I am having to fork my savings for a family event which comes as priority but i need to make an important purchase before then.

So ultimately i am after a 0% interest free on all purchases credit card. I already have a barclaycard with a limit of £3100 and now looking to grab a Natwest Credit card, having banked with NatWest almost all my life.

Now after reading up on what the following two have to offer i don't mind taking up either of them.

The NatWest Platinum offers:

• 0% interest for 20 months on all balances transferred
  within 3 months. (2.9% fee, min £5)
• 0% interest for 6 months on purchases

And the Natwest YourPoints Master card offers:

• £1 spent = 1 point. Use toward flights, holidays and on brands like M&S, Boots and Amazon.
• 0% interest on purchases for 13 months
• 0% interest on balance transfers for 13 months (2.9% fee, min £5)

Both of these cards are fine for what i need, I'm not really fussed about earning points as i have never been interested. Besides the payment period, 20, 13 and 6 months between the two cards... what card is the better card in the long run? Will one give me a better rating than the other? Do any of these offer long term benefits in any way?


Hear from you soon, cheers!

jen245

Well the Your Points card gives 13 months interest free on purchases, whereas the platinum only gives 6 months, so I would have thought that as you want a purchases card, the Your Points card would be the obvious choice.

InsideInsurance

And if you dont want your points I will always happy accept them

Kayz_2

jen245 wrote: »

Well the Your Points card gives 13 months interest free on purchases, whereas the platinum only gives 6 months, so I would have thought that as you want a purchases card, the Your Points card would be the obvious choice.

So it's just the payment period? That's all? Nothing to do with a better rating than the other? No long term benefits in any way?

InsideInsurance wrote: »

And if you dont want your points I will always happy accept them

Sure if i do apply for the points card i shall remember you.

InsideInsurance

Kayz wrote: »

Sure if i do apply for the points card i shall remember you.

Have it in writing now with witnesses.... certainly a binding contract! :T