Check the Annual Percentage Rate (APR) carefully
Given that you’re considering a credit card with two benefits, you should match this by double-checking the rate of APR. It’s important that you’re clear on how much you’ll be liable to pay on any outstanding balance once your zero rate of interest expires.
For example, let’s say your APR rate is 18 per cent and you borrow £1,000 on your card; the interest charged on top of your balance for 12 months will be £180, so you’ll end up paying back at least £1,180. There could also be additional charges, such as late payment fees, depending on your terms and conditions.