Credit cards with rewards on everything you buy
Choose from three cards designed for different lifestyles — earn cashback, enjoy 0% intro offers and manage everything from the app.
Tier One
The Gold Rewards Card
Our most popular card — earn 1% cashback on all purchases with no annual fee.
- 1% cashback on every purchase as standard
- 0% interest on purchases for 12 months
- No annual fee — ever
- Contactless & Apple Pay / Google Pay enabled
- 24/7 fraud protection and instant card freeze
First Finance
4712 8801 4472 3180
Card Holder
GOLD CUSTOMER
Expires
08/30
Type
GOLD
First Finance
5407 4201 3370 9221
Card Holder
PLAT CUSTOMER
Expires
12/31
Type
NAVY
Tier Two
The Navy Platinum Card
For frequent travellers and big spenders — Air miles, lounge access and premium purchase protection.
- Earn 2 Avios per £1 spent
- Complimentary airport lounge passes twice a year
- No foreign transaction fees
- Travel insurance included
- Extended warranty & purchase protection
Comparison
Compare our cards side by side
Representative APR 21.9% variable for Gold and 22.9% for Platinum. Rate depends on your circumstances.
| Card | Rewards | Purchase APR | Intro Offer | Annual Fee | Representative APR |
|---|---|---|---|---|---|
| Gold Rewards | 1% cashback | 21.9% | 0% for 12 months | £0 | ✓ Most popular |
| Navy Platinum | 2 Avios / £1 | 22.9% | 0% for 9 months | £0 | |
| Student | 0.5% back | 24.9% | 0% for 6 months | £0 |
APR representative – FCA regulated
Get Started
Apply in minutes
Check your eligibility online without affecting your credit score.
1
Eligibility Check
Soft search — won’t impact your credit file.
2
Apply Online
Short form, instant decision in most cases.
3
Card Arrives
Delivered within 5 working days, ready to activate.
4
Start Spending
Use instantly via the app before your card even arrives.