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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.

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.

This card offers 15 months interest-free introductory period on purchases, making it a great choice for anyone looking for a cheap deal on new borrowing. After 15 months, the card charges a typical representative annual percentage rate (APR) of 15.9% variable, so you should make sure you clear your debt within the interest-free period to avoid paying interest. As well as offering a lengthy interest-free period on purchases, you also collect points whenever you spend using the card. You earn one point for every £1 spent at M&S, and one point for every £2 spent elsewhere. Once you have 100 M&S points, you’ll get a £1 reward voucher to spend in store. Points are converted into vouchers four times a year and are valid for 15 months. The card also entitles you to buy M&S Travel Money with no cash advance or foreign exchange fees and you can access your account 24 hours a day online or by phone. To apply for an M&S Credit Card you must be a UK resident aged 18 or over and you cannot apply for a card if you have held a credit card with M&S Money within the past 12 months.

This card enables you to collect Avios every time you spend, but it comes with a high representative APR of 19.9%. There is no interest-free introductory rate on purchases, so you should pay off any debts on the card as quickly as possible to avoid racking up steep interest charges. The card is best suited to those who fly frequently with BA and want to collect Avios using the card's reward scheme, and who clear their balance every month. Earn 9,000 Avios when you spend £1,000 in the first 3 months. The points can then be put towards BA flights. If you spend £20,000 on the card in a year and redeem your Avios on BA flight, you'll receive another ticket for a companion for the same flight and cabin. However, you cannot collect Avios on cash advances. The card has no annual fee and also comes with Travel Accident Benefit up to £75,000. You should avoid using the card to make cash withdrawals, as these will be charged interest at a steep 27.9%.

This card is likely to suit those who shop regularly at Sainsbury's. For the first two years, Nectar Credit Card holders will get double Nectar points on their shopping when spending in Sainsbury's stores and petrol stations, as well as online. You get one Nectar point for every £5 you spend elsewhere, and there is no limit to the amount of points customers can earn. The double points offer excludes Sainsbury's Telecoms and Energy which are treated as non-Sainsbury's purchases. The Sainsbury's Nectar Credit Card offers a reasonably competitive 0% on balance transfers for 15 months, with a 3% transfer fee, and 0% on spending for 6 months. After the 0% period you will be charged 16.9% interest on all balance transfers and spending so you should therefore ensure that you are able to pay off the balance before the 0% period expires. If you are a regular Sainsbury’s shopper though it is worth using this card after the 0% period expires to earn your points as long as you can pay your balance off in full every month. You can either use the points you earn through the reward scheme to get back money-off vouchers on your Sainsbury's shopping, or any other company that is part of the Nectar scheme. Please be aware that unless you already have a Nectar card when you apply you will not be eligible for the reward points.

This reward card suits regular Virgin Atlantic flyers, as it offers Flying Club miles every time you spend. You will be charged 17.9% APR on purchases when you use the card, so you should try and clear your balance every month to avoid paying interest. The card charges no interest on balance and money transfers for the first six months, and after that has an APR of 17.9% on both. There is a 2% handling fee if you move a balance across or make a money transfer, with a minimum charge of £3. The card, which doesn’t have an annual fee, gives you 3,000 bonus Flying Club miles on your first card purchase, providing you use it within 90 days of opening the account. When you apply for the Virgin Atlantic White card you get two cards under one account. You get an American Express card where you earn one Flying Club mile for every full £1 you spend, or two Flying Club miles for every full £1 spent direct with Virgin Atlantic and Virgin Holidays. You will also get a Visa card where you earn one Flying Club mile for every £2 you spend, or 1 Flying Club miles for every £1 spent direct with Virgin Atlantic and Virgin Holidays. You’ll also receive a Premium Economy reward upgrade on an Economy booking if you spend £10,000 on your American Express card in a year. If you spend £15,000 on your American Express card in a year, you get a complimentary companion reward flight, so you can bring a friend with you free of charge.

The Lloyds TSB Duo Avios Credit Card enables its cardholders to collect Avios every time they spend. When you apply for the Duo credit card you get two credit cards, a MasterCard which gives one Avios for every £5 spent, and a second American Express card which gives one Avios for almost every £1 spent. You get two cards so that on the occasions where your Amex card is not accepted you can use your MasterCard to continue to collect miles. There is a 0% period on balance transfers for 6 months so it is worth doing if you can pay the balance off within this period. Also ensure that you pay any spending off each month as purchases will incur an interest rate of 15.94%.

This credit card gives you Nectar points every time you use it. You get two points for every full £1 spent on the card at Nectar partners and one point for almost every full £1 spent on the card everywhere else. Nectar partners include Sainsbury’s, BP, Homebase and Expedia. If you spend £500 on the card within the first three months, you will pick up 5,000 bonus Nectar points. After the first three months, for every £500 spent on your card, in any calendar month, you will collect 500 extra Nectar points, known as ‘MorePoints’. You can either use the points you earn through the reward scheme to get back money-off vouchers on your Sainsbury’s shopping, or you can redeem them against a wide range of treats, gifts or days out. The card has a high representative annual percentage rate (APR) of 19.9% on purchases and does not offer any 0% introductory rates. You should therefore try to be disciplined and ensure you pay off the full balance each month to avoid having to pay interest charges. If you don’t intend to repay your debt in full each month then you should avoid reward cards and opt for a card with a lower interest rate instead. Do not use the card for cash withdrawals, as interest is charged at a steep 27.9% and you don’t earn Nectar points on these either. You must have an annual household income of at least £30,000 to qualify for the card and no County Court Judgements for non-payment of debt.

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.

The American Express Platinum Cashback card pays an introductory rate of 5% cashback on your first £2,000 spend for the first three months. Once the introductory rate ends, you’ll earn the standard rate of cashback which is 1.25%. Customers also receive double cashback, 2.5%, every year during their anniversary month (the month they first took the card out in) as long as they’ve spent £10,001 or more on their card over the previous 12 months. If you don’t pay your balance off in full each month you’ll be charged interest at 14%. There is, however, an annual fee of £25 on the card. As a result of the fee, the representative APR on the card is higher than the purchase rate at 18.5% (variable). If you are a very high spender then this card is still a good deal as the cost of the fee will be offset by the generous cashback rate. You must have a household income of at least £20,000 a year to qualify for this card and you will also need to have an excellent credit history.