Goldfish - a great looking card with above average benefits (Goldfish Credit Card)

Member Name: chrisc92

Product:	Goldfish Credit Card
Date:	05/07/09 (155 review reads)
Rating:

Advantages: Online account access, reasonable reward system

Disadvantages: Credit limits are set to high - which could leave you in trouble!

Goldfish has been part of a number of financial institutions over the years, and is currently part of Barclaycard

It offers a reasonable interest rate, although I rarely use it as I tend to pay back in full whenever I can. The current rate stated online is 9.9%, which is the introductory rate, the actual rate is 17.9% for card purchases or 26.8% for cash.

I still have the same credit limit, which I'm afraid is massively too high and is nearly half my salary!

Goldfish like many other credit card issuers now provides online account access where you can view statements, pay your account or view transactions and additionally gives you access to a variety of rewards, though for the life of me I can't understand why you have to resubmit your account number and a few other details to access.

Rewards include Argos, Boots, Halfords, JJB, M&S, Mothercare, Next and WH Smiths as well as a number of electrical retail outlets. Points are awarded at 1 point per £1 spend. Be careful as they have a habit of removing points if you haven't used them for a while! Typically, 1750 points gives you £10 spend. Other offers include 2 free vue cinema tickets for 1250 points.

I do not find the rewards any where near as good as my main credit card provider - Tesco, but I do use it regularly as a second/backup.

I joined Goldfish before Tesco, and the one thing I loved was the design of the card.

It certainly isn't my preferred card, but with no annual fee it still offers a pretty good reward.

I have rated it at 3* because it is pretty good, but the interest rate and rewards are not the best around. These days, you really do need to shop around.

Summary: A card with an average interest rate and good rewards