Oxfam

Oxfam is a development, relief, and campaigning organisation that works with others to find lasting solutions to hunger, poverty and suffering around the world.
Unicef - for every child

UNICEF is the driving force that helps build a wor...
The Red Cross

The Red Cross, a humanitarian organization led by ...

Credit card fraudsters target Amazon
Credit card fraudsters have begun targeting online shopping giant Amazon in a bid to steal personal information.

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Credit Card News
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0% Credit Cards

A few years ago it would have been unthinkable for any company to offer a credit card with an interest rate of 0%. When new American companies such as Capital One entered the UK market offering "low balance transfer" rates of 10% APR the UK credit card market was revolutionised for ever. This increased competition led to a huge price war between credit card companies and balance transfer rates eventually reached the magic 0% figure.

At first 0% interest credit cards were few and far between with companies only offering these rates for short periods of time, however, the combination of fierce compation and low national interest rates meant that to compete for your business, more and more companies offered 0% credit cards for longer and longer periods of time. Now nearly all major credit card providers offer a 0% credit card in one form or another with periods ranging from 5 months to 9 months and sometimes even longer.

One thing to consider when applying for a 0% credit card is to make sure the 0% offer is relevant to what you want to use the card for. For example very few credit cards offer a 0% interest rate that applies to cash advances (these are normally charged at a higher rate than the standard APR). If you intend to use the card to fund an expensive purchase so you can spead or delay paying for goods you need a card that offers 0% on purchases rather than balance transfers - see our guide to best purchases credit cards.

If you have a balance on other credit cards then applying for a 0% credit card could save you hundreds of pounds a year but make sure that the 0% interest rate applies on balance transfers and not just purchases. Also remember that after the introductory period the rate charged by these companies often goes much higher so to keep saving, keep switching! Read our guide to the best balance transfer credit cards for the best deals for rate surfers!

Also if you never borrow money on your card and pay off your balance - in full - each month then having a 0% credit card will be no use. You would be better off getting a card that offers cashback or other reward to get something in return for your spending as you already get charged "0" interest! Read our guide to reward credit cards.

MBNA Credit Card

With the MBNA platinum plus credit card you can take advantage of one of the best rates around. You get 0% fixed until March 2010 on balance transfers and 0% on purchases until May 2009. So any outstanding debt you have on any other credit cards could be transferred for free for over 12 months from account opening. The standard rate is just 15.9% which is very competitive. No annual free, manage your account online or off makes this a great deal. Apply now for an instant online decision!

MBNA Credit Card Review
Virgin Credit Card

The Virgin credit card allows you to choose the features and benefits that you really need. So you can get 0% on balance transfers for 15 months, a standard rate of just 16.6% APR, and earn rewards on everything you buy with the card. You get to choose your own funky Virgin card design to make the card that little bit more individual. You can apply and manage your account online too making this one of the most flexible cards around.

Virgin Credit Card Review
AA Credit Card

The AA credit card from one of the worlds largest motoring organisations offers a great 0% on balance transfers for 9 months, 0% on purchases for 6 months and a standard rate of 15.9% APR. You also earn points on everything you buy with the card which can earn you great discounts on other AA products like home and car insurance or you can swap the points for cash!

AA Credit Card Review
Capital One Platinum Credit Card

The Capital One Platinum credit card offers some market leading interest rates in a very attractive package. You get a fixed rate of 8.5% APR on balances transferred and purchases until 2012. So if you find that swapping cards for 0% deals is too much work this could be a great value deal and one of the lowest interest rate cards around.

Capital One Platinum Credit Card Review
Virgin Atlantic Credit Card

If you are a frequent or infrequent flyer the Virgin Atlantic Credit Card could be a great way to earn free flights. With 1 Flying club mile for every pound spent with the white card and 2 Flying Club miles for every pound spent on the black card, your miles could quickly add up. The card also offers 0% interest for 6 months on balance transfers and 17.9% APR (37.1% APR on the black card)

Virgin Atlantic Credit Card Review