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This card is a great option for those looking to transfer debts from another card as it offers 0% on balance transfers for 16 months. You will, however, have to pay a 2.9% balance transfer handling fee, and there is a minimum charge of £5. You must switch your balances within three months of opening your account to qualify for the 0% rate. The typical APR on the card once the introductory period is up is 16.9%, but NatWest Advantage Gold account customers get 1% off the APR, bringing the rate to 15.9%. The card also offers 0% on purchases for the first three months, but you are best use the card only for balance transfers, unless you are definitely going to clear your purchase debts within the introductory period. This is because your monthly payments will be used to pay off your balance transfers first at the 0% rate, leaving interest accumulating on your purchases. The card has no annual fee. You need to have an income of at least £10,000 and be aged 18 or over to apply for this card. If you are an existing NatWest current account customer and you already have a NatWest Credit Card, you can still apply for the NatWest Platinum Card, but transfers from other Royal Bank of Scotland Group cards are not permitted.

This card offers 0% on balance transfers for 16 months, making it an ideal choice for those looking to move debts across from another card. The typical APR on the card once the introductory period is up is 16.9%, but RBS Royalties Gold account customers get 1% off the APR, bringing the rate to 15.9%. Balance transfers are limited to 95% of your available credit limit so, if your new Platinum Credit Card has a limit of £2,000, you can only switch up to £1,900. There is a 2.9% fee when you transfer a balance, with a minimum charge of £5. You must move your balance within three months of getting the card. Balance transfers from other Royal Bank of Scotland Group cards are not permitted. You also pay 0% on purchases for three months, but you should try to pay off and purchases within this period. If you don't, your monthly payments will be used to pay off your balance transfer first, leaving interest accumulating on your purchases. You can use the card to get up to £750 each day from cash machines worldwide, subject to a 3% handling fee. However, you should avoid doing this wherever possible, as interest on cash withdrawals is charged at a steep 27.95%. To apply for the card you should have an annual income of at least £10,000 and be aged 18 or over.

This card charges 0% on purchase for three months, but 0% on balance transfers for 15 months, so it is a good option if you want to move debts from another card. However, it does not accept transfers from other Barclaycards, and there is a 2.9% handling fee when you move your balance across from another card. After the introductory period finishes, the Barclaycard Platinum card has a typical APR of 16.9%. The card enables users to earn cashback through the Barclaycard Freedom reward scheme. Every time you use the card at one of 30,000 retailers including Shell, Pizza Express and npower, you earn up to 1% cashback as ‘Reward Money'. This Reward Money can then be redeemed when you next spend, or you can keep it to put towards a bigger purchase later on. At the moment, you cannot redeem Reward Money on an on-line transaction. Another perk of the card is that it includes contactless payment technology. This means you can use it to make payments quickly when you are making a purchase of £15 or under wherever you see the ‘wave' symbol. You can also register and manage your account online so you can switch to paperless statements, set up direct debits and track your spending.

The Nationwide Gold Card offers 0% on balance transfers for 15 months and 0% on all new purchases for three months, with a typical APR of 16.9% thereafter. Balance transfers at 0% must be made within three months from the date you took out the card and are subject to a handling fee of 3%, with a minimum charge of £5 One of the biggest benefits of this card is that it offers a positive order of payments. This means that, unlike most other providers, your payments are used to pay of the debts at the highest interest rate, before those charged at a lower interest rate. This means that cash advances which are charged at 27.9% are paid off before purchases and balance transfers at 16.9% and introductory purchase and balance transfers at 0% are paid off last. This is also a good card to take on holiday with you, as you can make commission-free purchases when you are abroad. Another perk is that the card comes with a free 12-month extended warranty on many gas or electrical products. This card is most likely to be suitable if you are aged 25 or over, have an annual income of £25,000 or more, and have an excellent credit history.

This card charges no interest on balance transfers for a generous 14 months, but for just three months on purchases. In order to benefit from the 0% introductory rate, balance transfers must be made within the first 60 days of opening the account. Once the 0% period ends you will be charged an APR of 18.9% on any transferred balances, while purchases are charged interest at a typical 16.6%. The 0% for 14 months rate also applies to money transfers. This means you can move money directly to a current account as well as to other credit cards, allowing you to pay off overdrafts and small loans as well as existing credit card balances. After the introductory period is up, however, money transfers are charged interest at a steep 20.9%, and there is also a 4% handling fee. Cardholders have access to a range of discounts on other Virgin products such as 10% off Virgin Wine, 10% Vie at Home and 10% off Virgin Holidays. You can also get half price Virgin Balloon flights and one month free at Virgin Active gyms provided you use your card to pay for your membership. You can choose whether you want a pink, black or red card. MBNA provides Virgin's credit cards, and you can't transfer debts from other MBNA cards. You must be over 18 to apply for the card.

This card carries a respectable 0% on balance transfers until September 1, 2011 on balances transferred before October 1, 2010. A 3% handling fee applies. When the introductory period finishes the typical APR is 17.9%. Cardholders also pay 0% interest on new purchases until October 1, but if you transfer a balance, then make any purchases, you'll fall into the negative payment hierarchy trap when the 0 per cent purchase period ends. This means your cheapest debt will be paid off first which will take longer to clear the overall balance, and could wipe out the benefits of transferring the balance in the first place. You should therefore either use this card for spending or to take advantage of the 0% balance transfer rate, but not for both. If you use it for spending, then you will be able to take advantage of Egg's new rewards system. This offers customers up to 10% cashback on purchases from over 1,500 retailers including supermarkets, fashion and entertainment retailers, hotels and travel agents, via its new Egg Cashback Superstore. You should check to see whether the retailers involved in the scheme are those you are likely to use. Any cashback earned is paid into the bank account of your choice.

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The MBNA Platinum credit card offers 0% on balance transfers for 13 months, subject to a 2.9% handling fee. Transfers must be made in the first 90 days to qualify for the 0% rate. You can make money transfers from your credit card to your current account for 13 months again at 0%, but you will pay a 4% handling fee. Again money must be transferred within the first 90 days of opening the account. The card also offers 0% card purchases for 3 months. However, the rate then shoots up to a variable 16.9% APR so if you are making new purchases using the card you should try and clear your debt before the introductory period ends. The card has no annual fee but an income over £20,000 is required. The account is set up with paperless statements and online banking services where cardholders can check their balance, transaction history, as well as direct debits and balance transfers. Like other MBNA cards, cardholders are not be liable for fraudulent transactions online or on the high street, providing you tell the company as soon as you notice any unusual transactions. The company also offers a free 24 hour UK based customer service helpline. The card is available as a Mastercard or Visa card depending on your preference.

This card offers 0% on balance transfers for 13 months for transfers made in the first 90 days, and 0% on card purchases for three months. After that, the card has a typical APR of 16.9%. You should stick to using the card for balance transfers only, unless you can be certain you will pay off any purchases in three months. If you don't clear your purchase debts with in this time, interest will start to accumulate on them and your repayments will be used to pay your interest-free balance transfer debts first. Balance transfers are subject to a 2.9% balance transfer fee. The card also offers 0% on money transferred from your card to your current account for 13 months from the date your account is opened. The money must be transferred within 90 days of the account being opened to qualify for the 0% rate and there is a 4% handling fee for money transfers. One of the big advantages of this card is that you can receive MBNA Reward points for all your retail spending, which you can redeem against anything from holidays to high street shopping or cashback. For every £1 you spend, you will get one point. You need 5,000 points to earn £20 in cashback.

The BT Credit Card comes with a generous 0% APR on balance transfers until August 2011, and also offers 0% on purchases, but only until October 2010. The typical APR after this is 16.9%. As a result, you're probably best off only using the card to help manage your outstanding balance unless you are disciplined enough to ensure you will repay any new purchases by October and then won't spend any more. Transfers must be made within 90 days of opening the account to qualify. Making purchases using the card does however mean you will be able benefit from the BT discount that comes with the card. You get a penny off for every £1.50 you spend using the card and the money is deducted automatically from your bill. There is no upper limit on the discounts you can earn, so if you have any surplus discount at the end of the month this will be rolled over onto your next bill. The card is operated by MBNA Europe Bank and you can manage your account online. The card has 24-hour UK based customer services. The cash withdrawal rate on this card is 27.9% APR.

You pay 0% on balance transfers for the first 13 months with this card, which has a typical APR of 16.9% once the introductory period is up. You must transfer your balance within 90 days of opening the card account, or you will not be eligible for the 0% rate. You should bear in mind that there is a 3% handling fee for balance transfers. The card also offers 0% on purchases for the first three months. However, remember that if you don't pay off any purchases within the three-month introductory period, your repayments will be use to pay down your balance transfer debt first, leaving interest accumulating on your purchases. While 16.9% is the typical APR, you could be offered a higher rate of either 19.9% or 21.9% depending on your credit history, which could make the card much less competitive. Halifax says that two thirds of its customers are offered the 16.9% rate. There is a choice of five card colours: black, pink, white, red or blue. You can manage your card online, and the card gives you protection against online fraud when buying items on the internet. You are more likely to be accepted for this card if you have a very good credit rating and have not defaulted on payments in the past.

This card is a good option if you have very little credit history, or only an average credit rating. Barclaycard Gold card offers 0% on balance transfers until August 2011, and there is a 2.5% handling fee. You cannot transfer a balance from another Barclaycard. The rate on purchases is a relatively high typical 19.9% APR and there is no introductory 0% rate, so if you are using the card for spending you will have to pay your bill off each month in full to avoid being charged interest. The card enables users to participate in the Barclaycard Freedom reward scheme. Whenever you use the card at one of the 30,000 retailers who participate in the scheme, you earn up to 1% cashback as ‘Reward Money'. This Reward Money can then be redeemed when you next spend, or you can keep it to put towards a bigger purchase later on. The card can be used to make contactless payments, a quick and easy way to make purchases of £15 or under. You can apply for the card if you don't already have a Barclaycard and if you have a regular income of more than £17,500 a year. You must not have missed any payments on a credit card or loan in the last 12 months.