Don’t miss the top credit card deals this autumn

Now that summer is drawing to a close, credit card providers are stepping it up a gear with their offers…

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Whether you’ve got existing card debt to pay off following your summer holiday or, dare we say it, you’re starting to think about your Christmas shopping, there are a number of fantastic credit card deals out there that could help save you money.

So here’s a rundown of some of the latest deals to launch on the market to help you find the right card for you.

NEW! Halifax credit card: Lower fees on 0% balance transfers

If you’re paying off holiday debt or simply want to transfer the balance from your current card, you could consider a balance transfer card offering 41 months where no interest is payable.

That means you would avoid paying interest well into 2020.

The good news is that the fees associated with some leading cards are falling. For example, the Halifax credit card, which offers 41 months at 0% on balance transfers, has cut its fee to 3.44% - an initial fee of 3.5% applies, but is reduced to 3.44% for balances transferred within the first 90 days. After 90 days, the fee is 3%, but remember you won't then get the 41 months at 0%.

Once the 41 months are up, you'll pay 18.95% pa (variable). The card has a representative rate of 18.9% APR (variable)*.

This now beats the MBNA Platinum credit card, which also offers 41 months at 0% on balance transfers with a fee of 3.45%.

To qualify, you'll need to carry out any transfers within the first 60 days (the fee rises to 5% after this), and once the 0% offer ends, you'll pay 20.9% pa (variable). The card has a representative rate of 18.9% APR (variable)**.

Virgin Money's 41-month Balance Transfer credit card also offers 41 months at 0% (so long as you carry out any transfers within the first 60 days) and has a transfer fee of 4% (after 60 days you'll pay 5%). Once the 0% period is up you'll pay 20.9% pa (variable). The card has a representative rate of 20.9% APR (variable)***.

NEW! M&S credit card: Get a £25 voucher via MoneySuperMarket

If you successfully apply for the M&S credit card via MoneySuperMarket before September 30 and spend on your card before October 31, you’ll receive a £25 M&S voucher to spend instore or online (you’ll receive your voucher by November 20 and it expires on December 10).

The credit card also offers 0% on purchases for 25 months, so this offer could come in handy for Christmas shopping.

Plus you’ll earn 500 bonus points worth £5 when you first spend on your card in M&S, and then one point for every £1 you spend in M&S and one point for every £5 you spend elsewhere. T&Cs apply.

You’ll get 0% on balance transfers for 25 months too, so long as you shift over any balances within the first 90 days. But bear in mind there are much longer balance transfer deals on the market if you’re primarily going to use your card for this purpose.

There’s a 2.9% transfer fee (min £5) and once the 25 months are up, you’ll pay 18.9% pa (variable).

The card has a representative rate of 18.9% APR (variable)**.

Remember, this deal ends on September 30, so if you're interested, don't wait too long to apply.

NEW! Barclaycard balance transfer cards: Earn £20 cashback

Apply for a Barclaycard balance transfer card through MoneySuperMarket or direct from Barclaycard and you’ll receive £20 cashback if you transfer a balance of £500 or more within the first 60 days. This offer ends on October 16 (T&Cs apply).

One card you could consider is the Barclaycard Platinum credit card with extended balance transfer which offers 0% on balance transfers for 37 months with a relatively low fee of 1.5% (a 3.5% fee applies, but you’ll be refunded the difference on transfers made in the first 60 days).

Alternatively, the Barclaycard Platinum 32 month card offers 32 months at 0% on balance transfers with an even lower 0.68% fee (a 3.5% fee applies, but you’ll be refunded the difference on transfers made in the first 60 days).

With both cards, you’ll need to carry out your transfers within the first 60 days and once the 0% window is up you’ll pay 18.9% pa (variable). The cards have a representative rate of 18.9% APR (variable)**.

What’s more, if you apply for a Barclaycard, you can now see how likely you are to be accepted for the card (on a score out of 10) through our eligibility tool on Smart Search. Capital One, MBNA, Virgin Money and New Day also offer this facility.

NEW! HSBC credit card: Earn £30 cashback via MoneySuperMarket

Apply for the HSBC credit card exclusively through MoneySuperMarket and you'll receive £30 cashback when you complete a balance transfer of at least £100 or carry out at least three transactions using Apple Pay or Android Pay within the first 60 days. This offer ends on October 28 and T&Cs apply.

The HSBC card offers 0% on balance transfers for 32 months (so long as they are completed within the first 60 days) with a low fee of 1.4%, as well as 0% on purchases for three months. Be aware there are MUCH longer 0% purchase deals available elsewhere, so this card is better for balance transfers.

Once the 0% deal ends, you'll pay 18.9% pa (variable). The card has a representative rate of 18.9% APR (variable)**.

NEW! AA Dual Credit Card: Market leading 0% balance transfer and purchase deal

The AA has improved its Dual Credit Card and now offers 26 months at 0% on both balance transfers and purchases (balance transfers must be carried out within the first three months). There is a 2.98% fee on balance transfers, and once the 0% deal ends, you'll pay 18.9% pa (variable).

The card has a representative rate of 18.9% APR (variable)**.

NEW! Virgin Money All Round credit card: 0% on balance transfers, money transfers and purchases

Virgin Money has launched a new All Round credit card offering 25 months at 0% on balance transfers, purchases and money transfers (where you move cash from your card to your current account).

The balance transfer and money transfer fee is a competitive 2%, so long as you make any transfers within the first 60 days (after this you'll pay 5%).

The card is now the most competitive of this kind and beats the MBNA All Round credit card which also offers 25 months at 0% on balance transfers, money transfers and purchases, but has higher fees. It charges 2.39% for balance transfers and 4% for money transfers. Again, all transfers must be carried out within the first 60 days (after this time, the balance transfer and money transfer fee increases to 5%).

Once the 25 months are up, both cards charge 20.9% pa (variable) on balance transfers and 22.9% pa (variable) on money transfers. The cards have a representative rate of 18.9% APR (variable)**.

Note that the MBNA offer is only available through MoneySuperMarket or direct with MBNA and ends on September 30.

NEW! Capital One Classic Complete credit builder card: 0% balance transfers and purchases

If your credit rating isn't as as good as it could be, the new Capital One Classic Complete credit card could help you to improve it. It offers an initial credit limit of between £200 and £1,500, and also offers 0% on balance transfers and purchases for four months - making it one of the most competitive credit builder cards around.

There's a 3% balance transfer fee and once the 0% window ends, you'll pay 34.94% pa (variable), so be sure to clear your balance each month once the four-month promotional period is up.

The card is exclusive to MoneySuperMarket and is available until October 19. It has a representative rate of 34.9% APR (variable)****.

Be aware you won't qualify for this card if you have been declared bankrupt or had any County Court Judgments or defaults in the last 12 months.

NEW! Tesco credit card: Longest 0% deal on purchases

The Tesco credit card offers the longest 0% deal on purchases at up to 28 months – ideal for early Christmas shoppers. (Note you may be offered 25 months or 22 months' interest-free depending on your credit score.)

The card also allows you to earn Clubcard points - you'll earn one Clubcard point for every £4 spent in Tesco and one Clubcard point for every £8 spent elsewhere. T&Cs apply.

The card has a representative rate of 18.9% APR (variable)**.

What else is available?

As well as the latest launches above, there are some fantastic deals already out there. For example:

American Express Platinum Cashback Everyday credit card: Earn something back as you spend

If you always clear your credit card balance each month, the American Express Platinum Cashback Everyday card offers 5% cashback for the first three months (up to £100).

After this, you’ll earn 0.5% cashback on spending up to £5,000 each year, or 1% cashback on £5,001 or more each year.

You’ll need to spend at least £3,000 a year to qualify, and be sure to clear your balance each month, otherwise you’ll pay 22.9% pa (variable). The card has a representative rate of 22.9% APR (variable)*****.

If you're not sure which credit card is right for you, check out our handy credit card decision tree.

*Representative Example: If you spend £1,200 at a purchase interest rate of 18.95% p.a. (variable) your representative rate will be 18.9% APR (variable).

**Representative Example: If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative rate will be 18.9% APR (variable).

***Representative Example: If you spend £1,200 at a purchase interest rate of 20.9% p.a. (variable) your representative rate will be 20.9% APR (variable).

****Representative Example: If you spend £1,200 at a purchase interest rate of 34.94% p.a. (variable) your representative rate will be 34.9% APR (variable).

*****Representative Example: If you spend £1,200 at a purchase interest rate of 22.9% p.a. (variable) your representative rate will be 22.9% APR (variable).

All credit cards are subject to status and terms and conditions. Over 18s, UK residents only. Terms and conditions apply. See MoneySuperMarket.com for further information.

Please note: any rates or deals mentioned in this article were available at the time of writing. Click on a highlighted product and apply direct.

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