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This card offers the longest 0% introductory period on purchases currently available at 18 months, as well as 0% on balance transfers for 17 months. However, you must have a Nationwide FlexAccount and use this as your main current account to qualify for the offer. After the introductory periods finish, the card has a low APR of just 12.9%, but you should still try to clear your balance every month to avoid paying interest. Borrowers who wish to transfer a balance across to this card will be charged a 2.95% handling fee, with a minimum charge of £5. The card offers unlimited cashback of 0.5% on all sterling purchases, as well as unlimited commission-free purchases abroad, making it a good option for regular travellers. To be eligible to apply, you must pay £750 or more each month into your FlexAccount. You must also be aged 18 or over and have a gross income each year of more than £5,000. You must also not have missed three or more payments on any credit commitments in the last 12 months, or been rejected for a Nationwide credit card.

This card offers a market leading 0% for 15 months on purchases and balance transfers, making it a great deal for those who want to use it both for spending and to transfer debts over from another card. There is a 3% handling fee to pay on balance transfers and after the introductory period is up, the card has a variable APR of 17.95% on both purchases and balance transfers. Don't use the card to withdraw cash, as you will be charged interest at a steep 27.95% on any money taken out from a cash machine. The card does not charge an annual fee. You get the choice of five different card colours when you apply. It is also worth bearing in mind that although the majority of customers will receive the 0% offer for 15 months, others will only receive 13 or 11 months at this rate, depending on their credit history. You may also be offered a higher representative APR of 21.9% variable or 23.9% variable.

This credit card charges no interest on both balance transfers and spending for the first 14 months. After that, it has a representative annual percentage rate (APR) of 18.9% (variable) so you should try to clear your balance and pay off any new spending within the interest free period. The 0% transfer offer only applies if you make a balance transfer within the first 60 days of opening the account and you will be charged a 2.9% transfer fee. It’s important not to miss out on the 60 day window because you’ll be charged an annual percentage rate (APR) of 18.9% on any transfers made after that time. Don’t be tempted to use the card for cash withdrawals – not only will you be charged a higher APR of 27.9% but you’ll also incur a cash withdrawal fee of 2.5% (minimum £2.50). All Barclaycards offer contactless technology which means you can make purchases of £15 or less without having to key in your PIN number. Not all retailers accept contactless yet – you need to look out for the ‘wave’ sign on payment terminals (you’ll see this sign on the front of your credit card so you’ll know what to watch out for).

NatWest, which is part of the Royal Bank of Scotland (RBS) Group, is offering 0% introductory credit card deal on purchases and balance transfers for 13 months. After the interest-free period is up, the card has an annual percentage rate (APR) of 17.9%, so you should make sure you clear your balance and pay off any purchases within the 13 months. Currently NatWest are offering an introductory 2,500 bonus points to all new customers, which immediately gives you the value of a £10 Amazon voucher. These bonus points are also gifted on a yearly basis thereafter. The card gives you one reward point for every £1 you spend. These points can be redeemed against flights, holidays and at retail outlets including Marks & Spencer, Boots and Amazon. For example, you would need to collect 10,000 points to qualify for a £50 Harvey Nichols voucher, and 20,200 points would get you a pampering spa day. To qualify for a short break in Madrid with a three star hotel and British Airways flight you would need at least 35,200 points, which would entail spending £2,000 a month on the card for 18 months. The card has no annual fee. You will receive text alerts when your bill is due to be paid and, if you need any help, NatWest has UK based call centres. You can also manage your card online or go into one of NatWest’s 1,500 UK branches. You must be over 18 years old and have a minimum income of £10,000 before you can apply for this card.

RBS, which is part of the Royal Bank of Scotland (RBS) Group, is offering 0% introductory credit card deal on purchases and balance transfers for 13 months. After the interest-free period is up, the card has an annual percentage rate (APR) of 17.9%, so you should make sure you clear your balance and pay off any purchases within the 13 months. Currently RBS are offering an introductory 2,500 bonus points to all new customers, which immediately gives you the value of a £10 Amazon voucher. These bonus points are also gifted on a yearly basis thereafter. The card gives you one reward point for every £1 you spend. These points can be redeemed against flights, holidays and at retail outlets including Marks & Spencer, Boots and Amazon. For example, you would need to collect 10,000 points to qualify for a £50 Harvey Nichols voucher, and 20,200 points would get you a pampering spa day. To qualify for a short break in Madrid with a three star hotel and British Airways flight you would need at least 35,200 points, which would entail spending £2,000 a month on the card for 18 months. The card has no annual fee. You will receive text alerts when your bill is due to be paid and, if you need any help, RBS has UK based call centres. You can also manage your card online or go into one of RBS’ 1,500 UK branches. You must be over 18 years old and have a minimum income of £10,000 before you can apply for this card.

This credit card charges no interest on both balance transfers and spending for the first 13 months. After that, it has a representative annual percentage rate (APR) of 18.9% (variable) so you should try to clear your balance and pay off any new spending within the interest-free period. If you are transferring a balance over to this card, you must do so within 60 days from the account opening date. Bear in mind that balance transfers are subject to a 2.89% transfer fee, with a minimum charge of £3. You should avoid using this card for cash transactions or money transfers, as interest is charged at a steep 27.9% for cash advances and 22.9% for money transfers. You also have to pay a 3% cash withdrawal handling fee, with a minimum charge of £3. There is also a foreign usage loading fee of 2.99% if you use the card to take out cash or for spending while you are abroad. The card comes with a discount scheme that can save you money on Virgin holidays, Virgin Wines, Virgin experience days, Virgin balloon flights and VIE at home when you use your card to pay. There is a choice of card design so you can opt to have either a red, black, pink or silver card. You must be at least 18 years or over to apply for this card.

This card offers a 0% introductory rate on both balance transfers and purchases for a year, making it a competitive offer. There are longer interest-free balance transfer offers available if you are looking to move debts from another credit card. Balance transfers are subject to a 3% handling fee, so remember to factor in this cost before making the move. Once the interest free period comes to an end, the card has a representative APR of 16.9%, so you should try to clear any debts while you are still on the 0% introductory rate. One restriction is that only Nectar Card holders can apply for the card, but as the Nectar scheme is free to join, this is worth doing, although it is worth noting you do not receive Nectar points for spending on this card. Once you have received your Nectar Card, all you have to do is use it whilst making a purchase at Sainsbury's or one of the other Nectar Card partners and then you will be eligible to apply for the credit card. You will not be able to complete the application for this card if you do not hold a Nectar card. The card has no annual fee, and you must be aged 18 or over to apply for this card. To be eligible for this card you must not have been declined for credit in the last month and must not hold another Sainsbury's Bank credit card.

Cardholders will benefit from a 15 month interest-free period on purchases with this card, while balance transfers are interest-free for 9 months. If you are moving a balance over from another credit card, you will be charged a 2.9% transfer fee. Once the 0% offers end, you'll be charged an APR of 16.9% on purchases and 18% on balance transfers. However, you could be charged much higher rates depending on your credit score. These could be up to 21.9% on purchases and 24.9% on balance transfers. The card doubles as a Tesco Clubcard so can be used to collect standard points on shopping in Tesco. You can also earn Clubcard points for all other spending on the credit card as well. You earn 1 point for every £4 spent in each purchase transaction, for this there is a £4 minimum spend and you must have available credit. Clubcard points are converted into vouchers which you will receive in your Clubcard statement. Vouchers can be used to get money off your shopping or they can be exchanged for holiday discounts, meals out or experiences. Tesco will not charge any cash advance or handling fees if you purchase Tesco Travel Money with your Tesco Clubcard credit card, there is also 0% commission on foreign currency and non-sterling travellers cheques. To find out more about the exchange rates when travelling abroad, please contact Tesco bank directly.

This is a good option for either balance transfers or purchases as it offers a 0% APR on both for the first 12 months, so you don't have to worry about one promotional rate ending before the other. However, if you only want to use the card only for balance transfers or purchases it is worth bearing in mind that there are longer interest-free periods for both available elsewhere. After the interest free period, the card has an APR of 17.95%. If you are making a balance transfer, a handling fee of 3% applies. Cash withdrawals are charged interest at 27.95% and so should be avoided. Balances transferred from other Bank of Scotland or Halifax cards are not eligible for the 0% balance transfer offer. You can manage your card online and you can choose from five different card colours. This card does not have an annual fee and offers an internet fraud guarantee, so you won't be held liable for any unauthorised transactions made online without your knowledge or consent. You must be a UK resident with a regular income to apply for the card.

The AA is offering 0% on purchases for 10 months, while those looking to transfer their existing credit card balances will pay 0% for the first 12 months. There is, however, a 3% handling fee for balance transfers. Try to clear any debts within the interest-free period, as the APR after this is 18.9%. You earn rewards when you spend using the card, and, as you earn double points on motoring-related purchases, those who drive a lot might find it particularly useful. The scheme gives you one point per £2 spent regardless of where you shop, but you earn one point per £1 spent on motoring such as servicing or fuel. AA members earn points twice as fast, receiving one point per £1 on non-motoring purchases and two points per £1 on driving-related spending. Points can be redeemed at any time by choosing from a huge range of items including high street shopping vouchers, cash back and AA products. Points will be shown on your monthly statement, or you can check how many you have online.

This card offers 0% for 13 months on all new purchases, as well as 0% for 9 months on balance transfers for balances transferred within 60 days of account opening. Balance transfers are subject to a 2.9% handling fee. If you do want a card for both balance transfers and spending, bear in mind that there are other cards available which offer introductory 0% periods of up to 14 months on both transfers and purchases. Advantages of this card include being able to manage your account securely online and the option to apply for a free additional card for a partner if you want to. The card does not have an annual fee. After the 0% offers end, this card has a representative annual percentage rate (APR) of 17.9%, so you should try to clear your balance within the introductory period. You must be aged 25 or over and be in full-time employment and have a minimum household income of £20,000 to apply for this card. You must also have a clean credit history, which means no arrears, defaults, County Court judgements, bankruptcies or Individual Voluntary Agreements. In addition to this, you must also be able to provide at least one landline telephone number and a valid e-mail address.