You may have taken part in our recent poll which asked for your opinion about the most important factor when applying for a credit card. To view the results please CLICK HERE.

It’s no surprise to me that 40% of you think that a 0% offer is the most valuable feature of a credit card, after all we love the idea of paying no interest at all on our outstanding debts or on our new purchases. Fortunately there are plenty of great 0% credit cards to choose from, but how do you know if your application is likely to be accepted?

Whilst only 10% of people who took part in our poll thought likelihood to be accepted is important, it pays to know your credit score in advance because this will give you a better idea about your credit worthiness and the types of cards you should be applying for. That’s why moneysupermarket.com created Smart Search since it helps you find cards that best fit your credit profile and therefore increases the likelihood of your application being accepted.

Most of the best 0% credit cards are reserved for people ‘excellent’ or ‘good’ credit profiles such as MBNA Platinum Plus, Virgin Credit Card and Barclaycard Platinum. All of these cards offer 0% on balance transfers for 12 months or more. If you want to pay no interest on your shopping then look no further than Sainsbury’s Bank Platinum which offers 0% for 10 months on new purchases.

For those of us with ‘not so great’ credit profiles, there are cards available designed for people who may have had credit problems in the past or for people who need a credit card to start to build a better credit rating. The interest rates are typically higher than 0% cards however like most credit cards you still benefit from around 56 days interest free if you pay your balance in full each month. Cards suitable for people with lower credit ratings include Barclaycard Initial, Capital One Classic and Vanquis Blue

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