Some of the best 0% purchase, 0% balance transfer and low APR credit cards come from supermarkets.
Supermarkets aren't just places you can pick up your groceries anymore.
The likes of Tesco, Sainsbury's, Asda and M&S are offering financial products to rival the high street banks. At the moment there are great deals to be found on credit cards.
We take a look at how supermarket deals are stacking up against highstreet banks in some of the major categories.
0% purchase cards
At the moment Tesco has the joint leading deal on a 0% purchase credit card.
The Tesco Clubcard Credit Card for Purchases offers a whopping 18 months interest-free on purchases as well as three months interest free on balance transfers for a 2.9% fee.
So you won't have to pay any interest on purchases made using the card for year and a half after which an 18.9% APR applies.
Tesco's 0% purchase offer has been leading for some time, but has recently been matched by high street bank Santander.
The Santander Purchase MasterCard also offers 18 months interest-free on purchases, but comes with a better nine-month 0% balance transfer offer that carries a 3% fee.
You can earn one point for every £4 spent anywhere you shop or five points for every £4 spent in a Tesco store or fuel station.
You can choose to have your points converted into Tesco vouchers or to exchange them for up to four times their value for other treats at 100s of partners via Clubcard Boost. £2.50 in Tesco vouchers, for example can be boosted to £10 to spend in Café Rouge.
0% balance transfer cards
Tesco also offers one of the top 0% balance transfer credit cards.
The Tesco Clubcard Credit Card for Balance Transfers comes with 29 months interest free on balance transfers for a low 2.9% fee, as well as three months fee-free on purchases.
It's one of the top five deals on the market, where currently Barclaycard is leading the pack with a 31-month offer with a 2.99% fee on balance transfers as well as six months interest-free on purchases.
Tesco is also offering one of the top five low-fee 0% balance transfer credit cards.
The Tesco Bank Clubcard Credit Card with Low Fee comes with 12 months interest free on balance transfers and purchases. With this card you can perform a balance transfer for just a 0.85% fee. On a £2,000 balance that means you only need to hand over £17!
The top deal when it comes to low balance transfer fee cards comes from Fluid. Its Low Fee Card Visa comes with 12 months of 0% on balance transfers, which only attracts a 0.75% fee. However, this card only offers three months interest-free on purchases.
Even though these Tesco balance transfer cards aren't market leading they double up as pretty decent reward credit cards as they offer a chance to earn Clubcard points.
0% balance transfer and purchase cards
If you want the best of both worlds there are credit cards that offer a decent 0% period on both balance transfers and purchases.
The top deal in this sector comes from Nationwide, offering an incredible 26 months interest free on balance transfers with a 2.4% fee and 14 months interest free on purchases with its Select credit card.
However, it's only open to existing current account offers. After that, it's worth a look at Barclaycard.
Its Platinum Purchase & Balance Transfer Visa comes with 14 months interest free on purchases and 17 months 0% on balance transfers with a 2.9% fee.
But you can get 15 months on both balance transfer and purchases at Halifax, NatWest, RBS and Sainsbury's, with only the balance transfer fee to differentiate the deals.
The Sainsbury's Bank Nectar Credit Card charges the highest fee of the four at 3%, but going with Sainsbury's over the others means you get to boost your Nectar points.
You can earn four points per £1 spent in a Sainsbury's store or one point per £5 spent elsewhere.
The M&S Credit Card is also a top runner in this category. It offers 12 months interest free on balance transfers (with a 2.9% fee) and 15 months 0% on purchases.
If you shop at M&S this card could be more rewarding than the top deals as you can earn M&S points every time you shop with the card, which can be exchanged for vouchers to spend at M&S. The card is also useful for use overseas as you can buy M&S Travel Money with no cash advance or foreign exchange fees.
Low APR cards
Tesco and Sainsbury's offer the joint top low rate credit cards.
The Tesco Bank Clubcard Credit Card with Low APR is available with three months interest free on balance transfers and purchases. Moving balances over won't cost you anything and you can keep debt under control with a low rate of just 7.8% APR.
Sainsbury's also offers a low rate of 7.8% APR on purchases and balance transfers with its Nectar Low Rate card. But unlike Tesco you don't get any introductory offers to start you off.
Asda Money is the only supermarket to offer a cashback credit card.
You can get 1% cashback when you use the card at Asda stores or petrol stations and 0.5% cashback everywhere else. The card also offers 12 months interest-free on balance transfers for a 2.9% fee.
It's a good deal if you are a regular Asda shopper as this is where you can earn the top rate of cashback and the card comes without an annual fee. However there are better cards that can offer a boosted rate of cashback.
The American Express Platinum Cashback Card for example pays 5% cashback on up to £2,500 of purchases in the first three months and 1.25% thereafter. If you apply by 16th March and get approved you'll also get a bonus £25 cashback on top. However, this card comes with an annual fee of £25.
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