Please choose which option suits you best

I pay off my monthly spending on my credit card in full

Useful Guides: These are a list of guides that can help you make the right discussions before you buy, definiately essential reading material. Useful Links: These links can assist you to make best decision based on your credit card of choice.   •      Reward and loyalty schemes •      Cashback credit cards •      Supermarket credit cards   •      Get your free credit check, •      Credit card Calculator   In 2007 average annual interest charged by card companies is 16.7% with some up to a disgraceful 30%. List of the best deals on our Credit Cards Description Bank and Card Type Balance transfers Rate and Period New purchases Rate and Period Typical APR   Barclaycard   OnePulse with Purchase In-built Oyster card - the fastest, smartest and easiest way to travel around London by bus, Tube, tram, DLR or London Overground 0% PA for 14 months (2.9% fee) 0% PA for 3 months 14.9% (variable) Barclaycard   OnePulse with Balance Transfer Visa 2.75% within Europe / 2.75% rest of the World 0% PA until 1st Nov 2009 (2.9% fee) 0% PA for 3 months 14.9% (variable) Barclaycard   Initial Credit Card Strengthen your credit rating, Emergency help when traveling abroad, Great holiday deals with our Travel Service n/a n/a 27.9% (variable) Barclaycard   Platinum With Purchase & Long Term BT Great holiday deals with our Travel Service, Emergency cash advance and credit card replacement service n/a n/a 6.3% (variable) Barclaycard   Platinum With Cashback 4% cashback on all spend (up to £15 cashback per month) until 30th September 2008, As seen on TV: 6 months FREE Gadget Insurance 0% PA for 12 months (2.5% fee) n/a 16.9% (variable) Barclaycard   Low Rate With Cashback Emergency help when traveling abroad, Great holiday deals with our Travel Service 0% PA for 14 months (2.98% fee) 0% PA for 3 months 15.9% (variable) Citibank   easyJet Mastercard Free easyJet flight (worth £40 - inc. taxes) 0% PA for 9 months (3% fee) n/a 16.9% (variable) Citibank   bmi baby credit card When you spend £100 or more on valid debit retail purchases with your bmibaby credit card, you'll qualify for a return flight anywhere on the bmibaby route network. 0% PA for 12 months (3% fee) n/a 16.9% (variable) Citibank   Shell MasterCard Earn 3% Cash Back on Shell fuel Earn 3% on Shell fuel purchases in Great Britain. 0% PA for 12 months (3% fee) n/a 16.9% (variable) Capital One Bank   Classic Visa Card Credit limit increase - simply use your card*, stay within your credit limit and make your payments on time and we will increase your initial credit limit on your 4th statement n/a n/a 34.9% (variable) Capital One Bank   All in One Card Master card In-built Oyster card - the fastest, smartest and easiest way to travel around London by bus, Tube, tram, DLR or London Overground 0% PA for 10 months (3% fee) 0% PA for 3 months 15.9% (variable) Virgin Money   Virgin Credit card Money off where it matters - holidays, DVD's, music, games, gym fees, wine and much more. Your Virgin Credit Card opens the door to a world of Virgin discounts. It'll save you some serious money on car, home, pet and annual travel insurance too. 0% PA for 15 months (2.98% fee) 0% PA for 3 months 15.9% (variable)

I have balances outstanding each month

Useful Guides: These are a list of guides that can help you make the right discussions before you buy, definiately essential reading material. Useful Links: These links can assist you to make best decision based on your credit card of choice.   •      Low standard interest rate •      0% Balance transfers •      How to apply for a credit card   •      Get your free credit check, •      Credit card Calculator   In 2007 average annual interest charged by card companies is 16.7% with some up to a disgraceful 30%. List of the best deals on our Credit Cards Description Bank and Card Type Balance transfers Rate and Period New purchases Rate and Period Typical APR   Bank of Scotland   All in One Card MasterCard Maximum 59 days for purchases if you pay the balance in full and on time. There is no interest free period on cash advances, cheques and balance transfers 0% PA for 10 months (3% fee) 0% PA for 10 months 15.9% (variable) Barclaycard   OnePulse with Purchase In-built Oyster card - the fastest, smartest and easiest way to travel around London by bus, Tube, tram, DLR or London Overground 0% PA for 14 months (2.9% fee) 0% PA for 3 months 14.9% (variable) Barclaycard   Balance Transfer Visa As seen on TV: Exclusive online Gadget Insurance offer - Apply for the Barclaycard Platinum by the 5th September 2008 and get Gadget & Personal Possessions Cover FREE for the first 6 months 0% PA until 1st Nov 2009 (2.9% fee) 0% PA for 3 months 14.9% (variable) Barclaycard   Simplicity Credit Card Maximum 56 days on purchases if you pay in full and on time each month, during the first six months. No interest free period on balance transfers, cash withdrawals or cheques. n/a n/a 6.8% (variable) Barclaycard   Platinum With Purchase & Long Term BT Great holiday deals with our Travel Service, Emergency cash advance and credit card replacement service 6.3% PA until paid in full (0% fee) n/a 14.9% (variable) Barclaycard   Platinum With Cashback 4% cashback on all spend (up to £15 cashback per month) until 30th September 2008, As seen on TV: 6 months FREE Gadget Insurance 0% PA for 12 months (2.5% fee) n/a 16.9% (variable) Capital One Bank   Low Rate Balance Transfer Card Maximum of 56 days for purchases where the balance is paid in full every month. 0 days for balance transfers and cash. n/a 0% PA until February 2009 15.9% (variable) Capital One Bank   Low Rate Credit Card With Cashback Maximum of 56 days for purchases where the balance is paid in full every month. 0 days for balance transfers and cash. n/a n/a 8.5% (variable) Capital One Bank   Capital One Platinum Card Free easyJet flight (worth £40 - inc. taxes) When you spend £250 in the first 3 months. 0% PA for 9 months (3% fee) n/a 16.9% (variable) Citibank   easyJet Mastercard Free easyJet flight (worth £40 - inc. taxes) 0% PA for 9 months (3% fee) n/a 16.9% (variable) Egg   Visa Credit Card 0% for up to 5 months on balance transfers made in September 2010 and September 2011, 2.5% free applies 0% PA until 1 December 2009 (3% fee) 0% PA until 1 December 2008 16.9% (variable) Halifax   All In One Credit Card To benefit from the 0% rate, you must stay within your credit limit and make your monthly payments on time. 0% PA for 10 months (3% fee) 0% PA for 10 months 15.9% (variable) HSBC   Master Card The Credit Card gives you a fast, convenient and reliable way to pay, 24 hours a day, wherever you are in the world. 0% PA for 13 months (2.5% fee) 0% PA for 3 months 16.9% (variable) MBNA   Platinum Rewards Card Promotional offer 1 For balance transfers, cheque transactions and money transfers we will charge interest at the rate of 0% p.a (a year) until your statement date in October 2009. 0% PA until October 2009 (2.9% fee) 0% PA until December 2008 15.9% (variable) MBNA   Platinum Plus Card Promotional offer 1 For balance transfers, cheque transactions and money transfers we will charge interest at the rate of 0% p.a (a year) until your statement date in October 2009. 0% PA for 14 Months (2.9% fee) 0% PA for 3 Months 15.9% (variable) Virgin Money   Virgin Credit card Money off where it matters - holidays, DVD's, music, games, gym fees, wine and much more. Your Virgin Credit Card opens the door to a world of Virgin discounts. It'll save you some serious money on car, home, pet and annual travel insurance too. 0% PA for 15 months (2.98% fee) 0% PA for 3 months 15.9% (variable)

I am a rate tart and constantly transfer my balances to the best rate

Useful Guides: These are a list of guides that can help you make the right discussions before you buy, definiately essential reading material. Useful Links: These links can assist you to make best decision based on your credit card of choice.   •      0% Balance transfers •      Credit card jargon explained •      Choosing a card   •      Get your free credit check, •      Credit card Calculator In 2007 average annual interest charged by card companies is 16.7% with some up to a disgraceful 30%. List of the best deals on our Credit Cards Description Bank and Card Type Balance transfers Rate and Period New purchases Rate and Period Typical APR   Bank of Scotland   All in One Card MasterCard Maximum 59 days for purchases if you pay the balance in full and on time. There is no interest free period on cash advances, cheques and balance transfers 0% PA for 10 months (3% fee) 0% PA for 10 months 15.9% (variable) Barclaycard   OnePulse with Purchase In-built Oyster card - the fastest, smartest and easiest way to travel around London by bus, Tube, tram, DLR or London Overground 0% PA for 14 months (2.9% fee) 0% PA for 3 months 14.9% (variable) Barclaycard   Balance Transfer Visa As seen on TV: Exclusive online Gadget Insurance offer - Apply for the Barclaycard Platinum by the 5th September 2008 and get Gadget & Personal Possessions Cover FREE for the first 6 months 0% PA until 1st Nov 2009 (2.9% fee) 0% PA for 3 months 14.9% (variable) Barclaycard   Simplicity Credit Card Maximum 56 days on purchases if you pay in full and on time each month, during the first six months. No interest free period on balance transfers, cash withdrawals or cheques. n/a n/a 6.8% (variable) Barclaycard   Platinum With Purchase & Long Term BT Great holiday deals with our Travel Service, Emergency cash advance and credit card replacement service 6.3% PA until paid in full (0% fee) n/a 14.9% (variable) Barclaycard   Platinum With Cashback 4% cashback on all spend (up to £15 cashback per month) until 30th September 2008, As seen on TV: 6 months FREE Gadget Insurance 0% PA for 12 months (2.5% fee) n/a 16.9% (variable) Capital One Bank   Low Rate Balance Transfer Card Maximum of 56 days for purchases where the balance is paid in full every month. 0 days for balance transfers and cash. n/a 0% PA until February 2009 15.9% (variable) Capital One Bank   Low Rate Credit Card With Cashback Maximum of 56 days for purchases where the balance is paid in full every month. 0 days for balance transfers and cash. n/a n/a 8.5% (variable) Capital One Bank   Capital One Platinum Card Free easyJet flight (worth £40 - inc. taxes) When you spend £250 in the first 3 months. 0% PA for 9 months (3% fee) n/a 16.9% (variable) Citibank--> start here   easyJet Mastercard Free easyJet flight (worth £40 - inc. taxes) 0% PA for 9 months (3% fee) n/a 16.9% (variable) Egg   Visa Credit Card 0% for up to 5 months on balance transfers made in September 2010 and September 2011, 2.5% free applies 0% PA until 1 December 2009 (3% fee) 0% PA until 1 December 2008 16.9% (variable) Halifax   All In One Credit Card To benefit from the 0% rate, you must stay within your credit limit and make your monthly payments on time. 0% PA for 10 months (3% fee) 0% PA for 10 months 15.9% (variable) HSBC   Master Card The Credit Card gives you a fast, convenient and reliable way to pay, 24 hours a day, wherever you are in the world. 0% PA for 13 months (2.5% fee) 0% PA for 3 months 16.9% (variable) MBNA   Platinum Rewards Card Promotional offer 1 For balance transfers, cheque transactions and money transfers we will charge interest at the rate of 0% p.a (a year) until your statement date in October 2009. 0% PA until October 2009 (2.9% fee) 0% PA until December 2008 15.9% (variable) MBNA   Platinum Plus Card Promotional offer 1 For balance transfers, cheque transactions and money transfers we will charge interest at the rate of 0% p.a (a year) until your statement date in October 2009. 0% PA for 14 Months (2.9% fee) 0% PA for 3 Months 15.9% (variable) Virgin Money   Virgin Credit card Money off where it matters - holidays, DVD's, music, games, gym fees, wine and much more. Your Virgin Credit Card opens the door to a world of Virgin discounts. It'll save you some serious money on car, home, pet and annual travel insurance too. 0% PA for 15 months (2.98% fee) 0% PA for 3 months 15.9% (variable)