Gold Card - Smile.co.uk

• Standard APR: 9.9%
• Cash back 
• 0.5% Cashback
• Annual Fee: £0
• If you earn £20k or above, you could have a smile gold card.
• a preferential rate of 9.9% APR typical/variable if you have a smile current account
• an attractive rate of 14.9% APR variable if you don't have a smile current account
• no annual fee – ever
• up to 46 days interest free if you settle your balance in full.

If you earn £20k or above, you could have a smile gold card. Smile's credit card has been voted 'best credit card' four years on the trot at the Guardian Consumer Finance Awards 2002, 2003, 2004 and 2005.

Website: http://www.smile.co.uk/