The All in One Credit Card
The clue’s in the name on this one and it gives you 0% interest on balance transfers, purchases and rewards you with cashback too.
You’ll pay a 1% fee when transferring a balance to this card but the 0% interest is for 40 months. The 0% interest on new purchases runs for six months from the date you open the account and you’ll get 0.5% cashback on everything you buy. There are no limits to the cashback amount so the more you spend, the more you’ll be rewarded (but that’s not an excuse to go crazy).
What makes this card even simpler? You can use it abroad and not worry about being charged any foreign transaction fees. But you must ensure you opt to pay bills or withdraw money in the local currency.
The interest is 15.9%, once the introductory 0% interest periods this goes up to 21.7% APR. To get the benefits of this card, you’ll need to pay a monthly fee of £3.