Best Credit Cards

Introductory Deals
There are many credit cards currently offering introductory nought per cent interest deals to new customers.  The introductory zero per cent offers provide a bit of breathing space for six or nine months to pay off debts or to make some purchases with interest free credit.

However, choosing the best card for you is more complicated than it might seem. Some zero per cent offers apply to new purchases as well as balance transfers, whereas some do not. It is also important to check what rate (typical APR) the card will revert to once the zero per cent period is up.  Also if you're looking to transfer a debt from another card, pay attention to the transfer fee. 

The table below shows a summary of some of the best credit card deals available today.

Card	Intro Rate Balance Transfers	Intro Rate Purchases	Representative APR (variable)
AA Balance Transfer	0% for 16 months (Fee: 2.9%)	0% for 3 months	17.9%	Details / Apply
	Earn AA Rewards Points on all purchases plus double points on fuel and motoring spend Rewards: Collect AA Rewards Points and exchange them for a range of motoring products and services. Earn AA Reward Points every time you spend. Collect 1 AA point for every £1 you spend with double points on fuel and motoring purchases. Use your points to purchase from a range of motoring products and services
	Representative Example 17.9% representative APR variable 17.9% p.a.variable on purchase £1,200 credit limit
Barclaycard Platinum Balance Transfer	0% for 24 months (Fee: 3.2%)	0% for 3 months	17.9%	Details / Apply
	Freeze your interest at 0% until 2014!
	Representative Example 17.9% representative APR variable 17.9% p.a.variable on purchase £1,200 credit limit
Capital One World MasterCard Capital One, Trent House, Station Street, Nottingham, NG2 3HX	19.9% (Fee: no fee)	19.9%	19.9%	Details / Apply
	Earn 5% cashback on purchases for the first 3 months Suitable for applicants with a perfect credit rating and an annual income of more than £20,000 Cashback: Earn 5% cashback on purchases for the first 3 months (max £100) and up to 1.25% unlimited cashback thereafter
	Representative Example 19.9% APR representative variable 19.94% p.a. variable on purchases £1,200 credit limit

Card	Intro Rate Balance Transfers	Intro Rate Purchases	Representative APR (variable)
Barclaycard Simplicity Barclays Bank PLC 1 Churchill Place, London, E14 5HP	7.9% (Fee: no fee)	7.9%	7.9%	Details / Apply
	Suitable for people with an income of £20,000 or more who have a good credit rating and have always made payments on time
	Representative Example 7.9% representative APR variable 7.9% p.a.variable on purchase £1,200 credit limit
Capital One Click Capital One, Trent House, Station Street, Nottingham, NG2 3HX	9.9% (Fee: no fee)	9.9%	9.9%	Details / Apply
	If you love shopping online, the Click Card is designed for you Suitable for applicants with a very good credit rating and an annual income of over £20,000 Rewards: This card gives you access to exclusive brand discounts when you use it to shop online. New deals and retailers are added every quarter which are valid for a 3 month period
	Representative Example 9.9% APR representative variable 9.94% p.a. variable on purchases £1,200 credit limit
Lloyds TSB Advance	4.9% for 12 months (Fee: 3%)	0% for 6 months	11.9%	Details / Apply
	Representative Example 11.9% representative APR variable 11.95% p.a. variable on purchase £1,200 credit limit
Virgin All Round	0% for 16 months (Fee: 1.99% - min £3)	0% for 6 months	15.8%	Details / Apply
	Rewards: Cardholders can take advantage of exclusive instant savings across the Virgin group with discounted holidays, wine, gym membership, experience days and more
	Representative Example 15.8% representative APR variable 15.8% p.a.variable on purchase £1,200 credit limit
Virgin	0% for 20 months (Fee: 2.99%)	0% for 3 months	16.8%	Details / Apply
	Suitable for homeowners with a good credit history, aged at least 25 and in full time employment Rewards: Cardholders can take advantage of exclusive instant savings across the Virgin group with discounted holidays, wine, gym membership, experience days and more.
	Representative Example 16.8% representative APR variable 16.8% p.a.variable on purchase £1,200 credit limit

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Card	Intro Rate Balance Transfers	Intro Rate Purchases	Representative APR (variable)
Barclaycard Platinum Balance Transfer	0% for 24 months (Fee: 3.2%)	0% for 3 months	17.9%	Details / Apply
	Freeze your interest at 0% until 2014!
	Representative Example 17.9% representative APR variable 17.9% p.a.variable on purchase £1,200 credit limit
HSBC Bank	0% for 23 months (Fee: 3.3% - min £5)	0% for 3 months	17.9%	Details / Apply
	This product is only available to existing HSBC customers
	Representative Example 17.9% representative APR variable 17.9% p.a.variable on purchase £1,200 credit limit
Barclaycard Platinum Barclays Bank PLC 1 Churchill Place, London, E14 5HP	0% for 22 months (Fee: 3.2%)	0% for 3 months	17.5%	Details / Apply
	Refund offer which reduces the handling fee to equivalent of 2.9% for everyone
	Representative Example 17.5% APR representative variable 17.5% p.a. variable on purchases £1,200 assumed credit limit
Halifax Balance Transfer	0% for 22 months on balance transfers up to £3,000 (Fee: 3.5% - min £3.50)	0% for 3 months	17.9%	Details / Apply
	You must have an annual income of £20,000 or more to apply
	Representative Example 17.9% APR representative variable 17.95% p.a. variable on purchases £1,200 assumed credit limit
Virgin	0% for 20 months (Fee: 2.99%)	0% for 3 months	16.8%	Details / Apply
	Suitable for homeowners with a good credit history, aged at least 25 and in full time employment Rewards: Cardholders can take advantage of exclusive instant savings across the Virgin group with discounted holidays, wine, gym membership, experience days and more.
	Representative Example 16.8% representative APR variable 16.8% p.a.variable on purchase £1,200 credit limit

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Card	Intro Rate Balance Transfers	Intro Rate Purchases	Representative APR (variable)
Halifax All In One	0% for 15 months (Fee: 3% - min £3)	0% for 15 months	17.9%	Details / Apply
	The APR and length of the promotional offer are dependent on your personal circumstances
	Representative Example 17.9% representative APR variable 17.95% p.a. variable on purchase £1,200 credit limit
Bank of Scotland Advantage	0% for 13 months (Fee: 3% - min £3)	0% for 13 months	17.9%	Details / Apply
	To qualify you will need to have a Bank of Scotland Current Account which you pay £1,000 or more into each month or hold an Ultimate Reward Current Account.
	Representative Example 17.9% representative APR variable 17.95% p.a. variable on purchase £1,200 credit limit
NatWest YourPoints World	0% for 13 months (Fee: 2.9% - min £5)	0% for 13 months	17.9%	Details / Apply
	Introductory 2,500 bonus points to all new customers Rewards: The card gives you one reward point for every £1 you spend. Bonus points are also gifted on a yearly basis thereafter. Points can be redeemed against flights, holidays, shopping vouchers and experiences and at retail outlets including Marks & Spencer, Boots, easyJet, Harvey Nichols and Amazon
	Representative Example Representative 17.9% APR (variable) based on an assumed credit limit of £1,200. Standard interest rate for purchases: 17.95% p.a. (variable).
RBS YourPoints World	0% for 13 months (Fee: 2.9% - min £5)	0% for 13 months	17.9%	Details / Apply
	Introductory 2,500 bonus points to all new customers Rewards: The card gives you one reward point for every £1 you spend. Bonus points are also gifted on a yearly basis thereafter. Points can be redeemed against flights, holidays, shopping vouchers and experiences and at retail outlets including Marks & Spencer, Boots, easyJet, Harvey Nichols and Amazon
	Representative Example Representative 17.9% APR (variable) based on an assumed credit limit of £1,200. Standard interest rate for purchases: 17.95% p.a. (variable).
Virgin Retail	0% for 13 months (Fee: 2.89%)	0% for 13 months	18.9%	Details / Apply
	Representative Example 18.9% representative APR variable 18.9% p.a.variable on purchase £1,200 credit limit

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