# Credit Cards & Loans

> Referral rewards on FCA-regulated UK credit — where the reward is small beside the cost of the borrowing, and we say so.

This is the one sector where the reward should be the last thing you look at. A referral on a credit card or a personal loan is worth tens of pounds; the interest on a balance carried at a representative 29.9% APR is worth far more, and a missed payment marks a credit file for years. What makes these offers worth listing at all is that the products are FCA-regulated, unlike the pay-later products in Wallets, and that the good ones let you see your personalised rate through a soft search that leaves no trace. We publish the reward, the representative APR and the fee structure together, because only the three read side by side tell you anything.

## Offers
1. [Zable](https://topreferrals.co.uk/referrals/zable) — you get Reward on your card (Reward on your Zable card). Code: `behzad-hosseini-3a1ac`.