Best Credit Cards

0% interest for 13 months on balance transfers and 0% on purchases for 3 months

That`s 13 months breathing space

Credit Cards - Balance Payment

Normally pay off balance in full each month or at least try to
You use your credit card regularly, for everyday purchases as well as the odd luxury item, and though you try and pay it off in full each month you don't mind carrying the odd balance over.

In your case, the interest rate does matter - you need to ensure that you don't pay too heavily for not paying off in full each month. To keep charges down, choose a card with no annual fee, and a low standard rate of interest.

You may also be interested in cards with cash back or travel rewards schemes, but these cards will not necessarily have the lowest interest rates. Check the rewards on each credit card to see whether they are worth it or not; for example, if your average monthly spending rewards you with a night out at the theatre three years from now, you would probably save more money by simply choosing a low-interest credit card instead.

Never clear the balance ever
You're the credit card companies' dream client, the one they make all their money from, so what can we do to ensure they make as little as possible.

Try the links below for the lowest interest rate you can find. In your case, a low introductory rate may not be a wise choice, unless you are prepared to switch cards again after the introductory period is over and the rate usually switches to a much higher one once the introductory period is over could well be more than you are paying now. Look for a low standard rate and no annual fee.

If you choose a low introductory rate - sometimes as low as 0% - that rate will revert to a standard level when the introductory period is over, so you'll need to look for a new card after six months or so depending on the offer.

If you are already carrying a large balance, many cards now offer a low (sometimes 0% APR) rate on balance transfers as well as a low introductory rate, reverting to a standard rate after a certain time period and/or on any new purchases made on the card. If you have a balance you want to pay off, you may consider shifting it to a 0 % balance transfer credit card, and making new purchases on a separate card.

If you are trying to clear a balance, it's important to note that unless you are paying no interest at all, that balance will continue to rise even if you don't make new purchases. It will also take much longer to clear if you are paying only the minimum amount each month, as most or all of that payment will go towards interest charges. Paying a larger amount than the minimum each month will ensure that your debt is paid off more quickly.