How to find the right credit card for you
I need to make a large purchase but want to spread the cost. Which cards offer the best deal?
If you are planning a big purchase or perhaps have an expensive time coming up – maybe you’re moving house or planning a wedding – you may not be able to afford to pay your credit card off in full. In this instance a card offering a 0% period on purchases is what you need.
The M&S Credit Card and Tesco Clubcard Credit Card both offer 15-month 0% periods on purchases, giving you lots of time to pay off your balance before you start accruing interest. Once the 0% offers end you’ll be charged the standard rate. M&S’ representative APR is 15.9% (variable), while Tesco charges a slightly higher 16.9% (variable).
The other advantage of these two cards is that you earn loyalty points when you spend on the card: M&S reward points or Clubcard points.