Where to find the best credit card deals – MoneyWeek

19 四月

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Thebestbalancetransferdeals

Ifyouhavebuiltupsomedebtsonacreditcardthenmakethemostofthecurrentbalancetransferoffers。

Theaverageinterestrateonastandardcreditcardwas17。

32%inJuly。

Whereasswitchtoabalancetransferdealandyouwontpayanyinterestonyourdebtforupto16months。

Admittedly,thesedealsarentcompletelyfreeyoullpayarounda3%feefortransferringyourdebttothenewcardbutthatisalotbetterthanbeingclobberedfordouble-digitinterest。

ThelongestbalancetransferdealscurrentlyavailableareontheBarclaycardPlatinum,NatWestPlatinumandRoyalBankofScotlandPlatinumcards。

Allthreeareoffering0%onbalancetransfersfor16monthswitha2。

9%balancetransferfee。

Butbewareoncetheintroductoryperiodisover,theinterestratesshootupto16。

9%。

Soifyouhaventmanagedtoclearyourdebtduringthe16months,makesureyoumovetoanother0%deal。

Thetopcreditcardforpurchases

Ifyouhavesomebigpurchasesyouneedtomakeandyouwanttospreadthecost,considergettingacreditcardwithanintroductoryofferof0%interestonpurchases。

ThebestofthebunchistheTescoClubcardCreditCarditoffers0%onpurchasesfor13months。

Aswiththebalancetransferdeals,makesureyouhaveclearedyourdebtwithinthefirst13months,orbepreparedtoswitchtoanotherdeal。

After13months,theinterestratejumpsto16。

9%。

Thecreditcardswiththebestrewards

Ifyoudonthaveanycreditcarddebtandpayoffyourbalanceinfulleverymonth,thengetacardthatrewardsyourgoodhabits。

Therearethreemainoptions;cashback,airmilesorpoints。

TheAmericanExpressPlatinumCashbackCardoffersyoucashbackeverytimeyouuseit。

Forthefirstthreemonthsyoucanearn5%cashbackuptoalimitof£100。

Afterthatyoucanearn0。

5%cashbackifyouspendupto£3,500ayear,1%onannualspendingofbetween£3,501and£7,500and1。

25%onspendingabove£7,501ayear。

Ifyoutravelalotthenanairmilescardmaysuityoubetter。

Withtheseyouearnmilesasyouspendwhichcanbecashedintoreducethecostofyourflights。

TheVirginAtlanticWhiteCardgivesyou3,000VirginairmilesthefirsttimeyouuseitandthenyouearnoneFlyingClubmileforevery£1spent。

Justbearinmindthatyouneedatleast29,500milestogoanywherewithVirginsoyoullneedtospendquiteabitofmoneyonthecardtobenefit。

However,youcanalsousepointstoupgradeyourcabinonflightsyouvealreadypaidfor。

ThebestoverallrewardcardistheTescoClubcardCreditCard。

ThisawardsyouClubcardpointswheneverandwhereveryouuseit。

YouearnoneClubcardpointforevery£4youspend。

IfyouusethecardtopayforyourshoppinginTescoyouearnstandardpointsontopofthecreditcardpoints。

Thesecanthenbeexchangedformoneyoffyourshopping,vouchersforavarietyofthingsfromrestaurantstodaysout,oryoucanturnyourpointsintoairmiles。

Whatevercreditcardyouchoose,justdontbuildupanunmanageableamountofdebtonit。

Whoknowswhentheeconomymighttankandthecreditcardfirmswillstoplendingagain,leavingyouunabletogetanewcardwhenyour0%dealrunsout。

Youdontwanttobestuckwithadebtyoucantpayoffthatisaccruingenormousamountsofinterest。



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