Today's the day you sort out your credit cards

...our six of the best

• 
  Balance Transfer

  Barclaycard Platinum with Extended BT

  • Why we like it:
  • No interest to pay for 24 months – the best around
  • Tag it to your mobile to make contactless payments
  • Watch out for:
  • Transfer fee of 3.2%
  Representative eg: If you spend £1,200 at a purchase interest rate of 17.9% (variable) your representative APR will be 17.9% (variable)
• 
  Balance Transfer & Purchases

  Barclaycard Platinum with Purchase

  • Why we like it:
  • No interest to pay on balance transfers or purchases for 14 mths
  • Make contactless payments with a Barclaycard PayTag
  • Watch out for:
  • Transfer fee of 2.9%
  Representative eg: If you spend £1,200 at a purchase interest rate of 18.9% (variable) your representative APR will be 18.9% (variable)
• 
  Purchases

  Tesco Clubcard Credit Card

  • Why we like it:
  • 0% on purchases for 16 months
  • Doubles up as a Clubcard for extra shopping rewards
  • Watch out for:
  • Only for those with a good credit score
  Representative eg: If you spend £1,200 at a purchase interest rate of 16.9% (variable) your Representative APR will be 16.9% (variable).
• 
  Low Standard Rate

  Sainsbury´s Low Rate card

  • Why we like it:
  • Only 6.9% with no end date
  • Same low rate for purchases and balance transfers
  • Watch out for:
  • You must have a good credit rating
  • Don´t take out cash with it – the rate is 24.93%
  Representative eg: If you spend £1,200 at a purchase interest rate of 6.95% (variable) your representative APR will be 6.9% (variable)
• 
  Credit Builder

  Capital One Visa Card

  • Why we like it:
  • Aimed at getting those with a poor credit rating back on track
  • Low credit limit (£200 - £1500) helps prevent you getting into trouble
  • Watch out for:
  • Same high rate of 28.9% applies to balance transfers
  Representative eg: If you spend £1,200 at a purchase interest rate of 28.94% (variable) your Representative APR will be 28.9% (variable).
• 
  Cashback

  American Express Platinum Cashback Everyday credit

  • Why we like it:
  • 5% cashback in 1st 3 mths (max £100)
  • Earn between 0.5% and 1.25% after that
  • No annual fee
  • Watch out for:
  • High APR of 19.9% variable
  Representative eg: If you spend £1,200 at an annual interest rate of 19.9% (variable)your Representative APR will be 19.9% (variable).