Flexible Cards

Flexible credit cards are a kind of credit which you can customise to your own needs.

You can mix and match features such as balance transfer offers, cashback and annual fee - for example, choose a lower interest rate and pay a higher fee, or forgoe a balance transfer deal in favour of cashback.

The concept was introduced by Accucard and rapidly become popular, with co-branded versions of the card popping up everywhere.

It seems that the idea is on the wane though, and some versions of the card have been withdrawn from the market.