COMPARE CREDIT CARDS FROM YOUR BANK

This card offers an impressive 0% for the first 22 months, making it an excellent choice for people looking to reduce the amount of interest they are paying on existing credit card debts. Balance transfers are subject, however, to a 3.5% fee, so you must remember to factor this in before moving your money across. As well as offering 0% on balance transfers for 22 months, the card also offers 0% for the first three months on all new purchases. Make sure you pay off any debts and new spending during the 0% introductory periods, as after that the card has a representative annual percentage rate (APR) of 17.95% variable. Depending on your credit score, you may be offered a higher representative rate of 21.95% variable or 23.95% variable. Make sure you pay at least the minimum payments each month and stay within your credit limit, otherwise you may no longer get the 0% introductory rate. You must be aged 18 or over and a UK resident with an annual income of £20,000 or more to be eligible for this card. When you apply for the card, you can choose from a range of colours, including black, pink, white, red and blue.

This card offers a 0% introductory period on purchases of 12 months, as well as 0% on balance transfers for 20 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 3.1% 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 hold a FlexAccount with a Visa debit card (not cash card+) and have been paying in £750 (excluding internal transfers) a month for the last three months, or complete an account transfer to Nationwide (from a non-Nationwide account) using their account transfer service, or have done so in the last four months. For cashback, you must continue paying £750 or more into your FlexAccount each month (excluding internal transfers). 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 no interest on balance transfers for 20 months. There’s a fee of 3.1%, with a minimum charge of £5 but you also get three months at 0% on new purchases. After the introductory period ends, you’ll pay a representative annual percentage rate (APR) of 15.9% variable. However, Nationwide offers a wide range of rates, depending on your circumstances. Some people will be offered an APR as low as 9.9% variable. You can find out what APR you’re likely to be given without leaving a footprint on your credit file. If you don’t have a balance to transfer then you can use this card as a purchase credit card. If you opt for this version on your application, you won’t get the 20 months interest-free offer. Instead, you’ll receive six months at 0% on purchases, which although not as competitive as some of the other purchase credit cards out there, is good when combined with the other main feature of this deal. Whether you use the card for balance transfers or purchases, it is one of the best cards for use overseas. When you spend with the card in the UK, you earn a certain amount of fee-free spending abroad, enabling you to use it when travelling without extra charges. You earn this fee-free overseas allowance at a ratio of five to one, meaning if you spend £2,500 in the UK, you can spend £500 abroad without paying commission or overseas usage fees. In addition, even if you don’t use the card that much in the UK, it still has one of the lowest commission charges at just 2%.

This card offers 0% on balance transfers for 20 months, subject to a 3% handling fee. After the introductory period is over, the card has a representative annual percentage rate (APR) of 16.9% (variable). While the 0% introductory period is competitive at 20 months, there are cards available which enable you to defer paying interest on your debts for as long as 22 months. You may be offered a higher representative APR of 21.9% variable or 23.9% variable depending on your credit history. The card also offers 0% for the first three months on all purchases to help spread the cost of any new spending. You should not use this card to make cash withdrawals, as these will be charged interest at a steep representative APR of 27.95% variable. After six months, if you would like to increase the amount you want to borrow, the bank says it will be happy to review the amount of credit it can offer.

You pay 0% on balance transfers for the first 18 months with this card, which has a representative APR of 16.9% once the introductory period is up. 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. While 16.9% is the representative APR, you could be offered a higher rate of either 20.9% or 23.9% depending on your credit history, which could make the card much less competitive. 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.

Review to follow.

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.