Today's best credit card deals - Sunday 24 January 2021

Below is a summary of the best credit card deals currently available in the UK.

Best credit card deals for balance transfers Credit cards offering the most number of months at 0% on balance transfers listed first. bestfncCC_SAINSBURYS_LOW_RATEhttp://www.moneysupermarket.com/credit-cards/details/?productCode=CC_SAINSBURYS_LOW_RATE&source=bestfnchttp://www.moneysupermarket.com/medias/sys_master/h10/hfb/8912015720478/SainsburysBank02072018.pngSainsbury's Bank21.90false21.95a purchasefalse1200027 Month Balance Transfer Credit Card0273.000356Up to 7,500 bonus Nectar points. Each time you spend £35 or more on Sainsbury’s shopping in the first two months you’ll get 750 points. T&Cs apply. 2 Nectar points per £1 spend on Sainsbury's shopping or fuel. 1 Nectar point per £5 spent elsewhere.0balance transferbestfncCC_VIRGIN_BALANCE_TRANSFER_CARDhttp://www.moneysupermarket.com/credit-cards/details/?productCode=CC_VIRGIN_BALANCE_TRANSFER_CARD&source=bestfnchttp://www.moneysupermarket.com/medias/sys_master/hb9/h17/8918698590238/RedCard-190x120.pngVirgin Money21.90false21.90a purchasefalse1200022 Month Balance Transfer Credit Card0223.000350There are no rewards with this card.1balance transferbestfncCC_SAINSBURYS_DUAL_CARDhttp://www.moneysupermarket.com/credit-cards/details/?productCode=CC_SAINSBURYS_DUAL_CARD&source=bestfnchttp://www.moneysupermarket.com/medias/sys_master/h11/hfb/8912015753246/SAINSDUAL02072018.pngSainsbury's Bank20.90false20.95a purchasefalse12000Dual Offer Credit Card0203.0002056Up to 7,500 bonus Nectar points. Each time you spend £35 or more on Sainsbury’s shopping in the first two months you’ll get 750 points. T&Cs apply. 2 Nectar points per £1 spend on Sainsbury's shopping or fuel. 1 Nectar point per £5 spent elsewhere.2balance transferbestfncCC_BCARD_PLAT_PUR_OFFERhttp://www.moneysupermarket.com/credit-cards/details/?productCode=CC_BCARD_PLAT_PUR_OFFER&source=bestfnchttp://www.moneysupermarket.com/medias/sys_master/h68/hf6/8911976661022/CC_BCARD_PlatinumCards_05122018.pngBarclaycard21.90false21.90a purchasefalse12000Platinum Purchase Offer0182.9001856You will have access to exclusive entertainment perks, refer to provider for full details.3balance transferbestfncCC_VIRGIN_LOW_RATE_CREDIT_CARDhttp://www.moneysupermarket.com/credit-cards/details/?productCode=CC_VIRGIN_LOW_RATE_CREDIT_CARD&source=bestfnchttp://www.moneysupermarket.com/medias/sys_master/h86/hdf/8918227157022/cc_virgin_020720_all_round.jpgVirgin Money21.90false21.90a purchasefalse12000All Round Credit Card0182.90015504balance transfer
Best credit card deals for purchases Credit cards offering the longest 0% period on purchases listed first. bestfncCC_SAINSBURYS_DUAL_CARDhttp://www.moneysupermarket.com/credit-cards/details/?productCode=CC_SAINSBURYS_DUAL_CARD&source=bestfnchttp://www.moneysupermarket.com/medias/sys_master/h11/hfb/8912015753246/SAINSDUAL02072018.pngSainsbury's Bank20.90false20.95a purchasefalse12000Dual Offer Credit Card0203.0002056Up to 7,500 bonus Nectar points. Each time you spend £35 or more on Sainsbury’s shopping in the first two months you’ll get 750 points. T&Cs apply. 2 Nectar points per £1 spend on Sainsbury's shopping or fuel. 1 Nectar point per £5 spent elsewhere.0purchasebestfncCC_BCARD_PLAT_PUR_OFFERhttp://www.moneysupermarket.com/credit-cards/details/?productCode=CC_BCARD_PLAT_PUR_OFFER&source=bestfnchttp://www.moneysupermarket.com/medias/sys_master/h68/hf6/8911976661022/CC_BCARD_PlatinumCards_05122018.pngBarclaycard21.90false21.90a purchasefalse12000Platinum Purchase Offer0182.9001856You will have access to exclusive entertainment perks, refer to provider for full details.1purchasebestfncCC_VIRGIN_LOW_RATE_CREDIT_CARDhttp://www.moneysupermarket.com/credit-cards/details/?productCode=CC_VIRGIN_LOW_RATE_CREDIT_CARD&source=bestfnchttp://www.moneysupermarket.com/medias/sys_master/h86/hdf/8918227157022/cc_virgin_020720_all_round.jpgVirgin Money21.90false21.90a purchasefalse12000All Round Credit Card0182.90015502purchase
Best low interest credit cards Credit cards offering the lowest standard APR. bestfncCC_LLOYDS_LOW_RATE_CARDhttp://www.moneysupermarket.com/credit-cards/details/?productCode=CC_LLOYDS_LOW_RATE_CARD&source=bestfnchttp://www.moneysupermarket.com/medias/sys_master/h35/hfa/8912008544286/Lloyds_CC_12032018.pngLloyds Bank9.90false9.94a purchasefalse12000Platinum Low Rate Card0000056There are no rewards with this card.0low standard rate
Best credit card deals for rewards and cashback Credit cards offering the best reward deals. bestfncCC_SAINSBURYS_DUAL_CARDhttp://www.moneysupermarket.com/credit-cards/details/?productCode=CC_SAINSBURYS_DUAL_CARD&source=bestfnchttp://www.moneysupermarket.com/medias/sys_master/h11/hfb/8912015753246/SAINSDUAL02072018.pngSainsbury's Bank20.90false20.95a purchasefalse12000Dual Offer Credit Card0203.0002056Up to 7,500 bonus Nectar points. Each time you spend £35 or more on Sainsbury’s shopping in the first two months you’ll get 750 points. T&Cs apply. 2 Nectar points per £1 spend on Sainsbury's shopping or fuel. 1 Nectar point per £5 spent elsewhere.0rewardsbestfncCC_AMEX_BRITAIRhttp://www.moneysupermarket.com/credit-cards/details/?productCode=CC_AMEX_BRITAIR&source=bestfnchttp://www.moneysupermarket.com/medias/sys_master/h69/hf5/8911968305182/27.06.14_British_Airways_Partners.pngAmerican Express22.20false22.20a purchasefalse12000British Airways American Express® Credit Card0000056Receive 9,000 Avios when you spend £1,000 in the first three months. Collect one Avios for virtually every £1 spent. Spend £20,000 on your card in any given year and receive a companion ticket when you redeem your Avios for a British Airways flight. There is no annual fee with this card.1rewards

When choosing a credit card, think about how you are going to use it and what features are important.  We’ve listed above the best credit card deals for people who use their cards to borrow and for those who always pay off their card balance in full each month.

Best credit card deals for people who pay their balance in full each month

If you pay your card bill in full each month you can ignore the interest rate (APR) and go for a credit card that gives you cashback.  This means you're given a percentage of everything you spend on the card back to you as cash – typically this ranges from 0.5 to 1 per cent. This means that, for example, if you spend £5,000 on a credit card offering 0.5% cashback, you would earn £25 (0.5 per cent of £5,000).

Best deals for people who tend to carry over a balance each month

If you are one of the many people who do not pay off your card in full each month, then the most important factor is the interest rate (APR). The smaller the APR the less you'll be charged in interest.