Holidays over, kids back at school, nights drawing in... for many of us, autumn is a time when we take stock of our finances before the run-up to Christmas.
That's one reason why credit card firms spruce up their offers at this time of year, devising attractive deals that can make it worthwhile to consider switching to a better offer.
Of course, the card you might be interested in will be determined by your financial situation and priorities. And you should only ever take out a card when you fully understand the obligations you are taking on.
But used sensibly, a credit card is a useful financial tool, whether you've already got debt on a card that you're looking to pay off, or you're want to spread the cost of a large purchase without paying interest.
Here's a rundown of some of the top deals, including a number of exclusives negotiated by MoneySuperMarket...
Market-leading 0% balance transfer card
A 0% balance transfer credit card lets you transfer debt from one card to another one that charges no interest for a stated number of months.
The top card in this class at the moment is the MBNA Platinum credit card, which offers 41 months at 0% on balance transfers.
There is a cost, of course – MBNA charges a fee of 3.49% of the amount transferred. Other 41-month cards have higher fees.
To get the MBNA rate, you'll need to carry out any transfers within the first 60 days (the fee rises to 5% after this). After 41 months, you'll pay 20.9% pa (variable). The card has a representative rate of 18.9% APR (variable)*.
This card is exclusively available from MoneySuperMarket.
Get a £25 voucher via MoneySuperMarket
Marks & Spencers is offering its M&S credit card via MoneySuperMarket. If you get your card before September 30 (and make a purchase with it before October 31), you'll receive a £25 M&S voucher to spend instore or online.
You'll receive your voucher by November 20. It expires on December 10.
This M&S card also charges no interest on purchases for 25 months – handy for Christmas shopping, perhaps?
You'll also get 500 bonus points worth £5 when you first spend on your card in M&S, and then one point for every £1 you spend in M&S and one point for every £5 you spend elsewhere. T&Cs apply.
There's also a 0% balance transfer deal – 25 months interest-free, provided you move the balance over within the first 90 days. There are longer balance transfer deals on the market, though, if making a balance transfer is your prime concern.
The transfer fee is 2.9% (min £5) and, after the 25 months, you'll pay 18.9% pa (variable).
The card has a representative rate of 18.9% APR (variable)*.
Earn £20 cashback
Barclaycard balance transfer cards, available through MoneySuperMarket or direct from #
Barclaycard, are paying £20 cashback if you transfer a balance of £500 or more within the first 60 days. This offer ends on October 16, and T&Cs apply.
From the Barclaycard stable, you could consider the Barclaycard Platinum credit card with extended balance transfer which offers 0% on balance transfers for 37 months with a relatively low fee of 1.5% (a 3.5% fee applies, but you'll be refunded the difference on transfers made in the first 60 days).
Alternatively, the Barclaycard Platinum 32 month card offers 32 months at 0% on balance transfers with a 0.68% fee (a 3.5% fee applies, but you'll be refunded the difference on transfers made in the first 60 days).
With both cards, you'll need to carry out your transfers within the first 60 days and once the 0% window is up you'll pay 18.9% pa (variable). The cards have a representative rate of 18.9% APR (variable)*.
0% on balance transfers, money transfers and purchases
MBNA has lowered the balance transfer fee on its All Round credit card from 2.49% to 2.39%.
The card offers 25 months at 0% on balance transfers, purchases and money transfers, where you move cash from your card to your current account.
There is a 4% fee for money transfers and all transfers must be carried out within the first 60 days (after this time, the balance transfer and money transfer fee increases to 5%).
Once the 25 months are up, you'll pay 20.9% pa (variable) on balance transfers and 22.9% pa (variable) on money transfers. The card has a representative rate of 18.9% APR (variable)*.
This offer is only available through MoneySuperMarket or direct with MBNA and ends on September 30.
*Representative Example: If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative rate will be 18.9% APR (variable).
All credit cards are subject to status and terms and conditions. Over 18s, UK residents only. Terms and conditions apply. See MoneySuperMarket.com for further information.