Play your cards 権利: The best credit cards for spending, holidays, rewards or （疑いを）晴らすing your 負債s

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Whatever you have got your sights 始める，決める on this year, if it is going to 伴う／関わる a credit card, then it is 必須の that you get the 権利 one.

The best credit cards can help you （疑いを）晴らす your 負債s faster, spread the cost of an expensive 購入（する） and even earn a tidy sum in 航空機による points, cashback or rewards.

選ぶ the wrong one, however, or fail to manage it 正確に and you can be left with a hefty 法案, and a credit 率ing in tatters.

So whether your 計画（する）s are 簡単に making more of your everyday spending or getting on 最高の，を越す of 存在するing 負債s to the more adventurous such as 爆撃する out for a new Kitchen or a dream holiday - here's our 選ぶ of the best credit cards to help.?

Play your cards 権利: This is Money has 一連の会議、交渉／完成するd up the best credit card 申し込む／申し出s?

This is Money has scoured the market and 選ぶd out what we believe are the best credit card 取引，協定s to help you make the most of your money.?

We 選ぶ these because we think that they 申し込む／申し出 something that makes them stand out from the （人が）群がる, they may not always have the 絶対の lowest 率 or longest special 申し込む／申し出, but they are 裁判官d by our 独立した・無所属 研究 to 申し込む／申し出 a good 取引，協定.

Best credit cards for spending on big 購入（する）s?

利益／興味-解放する／自由な spending?

If you're planning some home 改良s or large 購入（する）s in the 近づく 未来 and need some extra cash for spending, as long as you are 確信して you can 支払う／賃金 off the 十分な 量 within the 利益／興味-解放する／自由な period to?避ける 高金利s, a 0 per cent 購入（する） card could be a good 選択 for you.?

Remember, you will need to be disciplined about （疑いを）晴らすing the balance before the end of the 称する，呼ぶ／期間／用語, さもなければ 利益／興味 on the remaining 量 will quickly make it an expensive 選択.

Before you 適用する, read more about how to 避ける the 0 per cent 利益／興味 罠（にかける）s?here

Could you be better with a long-称する，呼ぶ／期間／用語 low 率 instead??

If you are happy to sidestep a 0 per cent 利益／興味 period, another credit card 選択 for anyone wanting to take the 圧力 off 支払う／賃金ing within a 始める，決める time period is a 永久の low-利益／興味 card.

Unfortunately these cards are not as good as they once were, however you can still find low 利益／興味 取引，協定s closer to 9 or 10 per cent, rather than the typical 19 or 20 per cent 設立する.?

These give the 柔軟性 of knowing that you have a card to 手渡す to spread big 購入（する）s out, without worrying about 落ちるing foul of any small print.

行方不明の 支払い（額）s, 支払う／賃金ing late or spending beyond your 限界 危険 losing an 利益／興味-解放する／自由な 称する，呼ぶ／期間／用語 which can quickly land you in hot water when 基準 利益／興味 at 18 or 19 per cent is slapped on your remaining balance.?

The 利益 is that if you decide not to 支払う／賃金 off the entire balance every month, you will only have to 支払う／賃金 極小の 利益／興味.

You must have a good credit 率ing to be 認可するd.??

Lloyds Bank, Halifax, Bank of Scotland, NatWest and Tesco Bank all 申し込む／申し出 cards with an APR of 9.9 per cent, TSB 7.9 per cent and the Co-op Bank 8.9 per cent.

Lloyds Bank, Halifax and Bank of Scotland also have the 利益 of 申し込む／申し出ing no-料金 balance 移転s.

Check out this is Money's favourite low-率 credit card here

Best credit cards for rewards?

Over 最近の years some of the most lucrative 計画／陰謀s have unfortunately been scrapped or 規模d 支援する.?

But there are still a few cards that if you do it 権利, could earn you £100s 価値（がある） of goods and services for 解放する／自由な.?

Remember: Each company operates under their own points system, so make sure you check what each point is 現実に 価値（がある） ? something that may appear to 申し込む／申し出 抱擁する 特別手当s could in reality be almost worthless.??

Below we have 選ぶd a few of our favourites, alternatively read more about all of the 最高の，を越す 取引，協定s in our in depth guide:

• 最高の，を越す rewards cards for big spenders??
• Best cards for cashback?
• Cheapest 取引，協定s for overseas spending?
• Most lucrative 空気／公表する miles cards

Travel rewards: 支払う／賃金 with a credit card to get 取引，協定s on trips

Best for 航空機による points: British 航空路s American 表明する 賞与金 加える Card

Your choice of rewards card will 大部分は depend on which 航空機によるs you prefer because a combination of credit card and たびたび（訪れる） flyer points are going to get you the best 割引s.?

However, if you are a big spender, the British 航空路s 賞与金 加える Amex card?is one of the most lucrative 取引，協定s on the market.

>?Read our 最高の，を越す five tips on 上げるing your Avios points マリファナ without spending any more

?What do you get?

The major crowdpleaser is the 解放する／自由な companion ticket if you spend more than £10,000 a year - remember you still have to foot the 法案 for 税金s, 料金s and 告発（する），告訴（する）／料金s though.

The 調印する-up 特別手当s are good, too. At the moment you get 25,000 Avios points when you 首尾よく 適用する and spend £3,000 within the first three?months.

Cardholders can get?(a)自動的な／(n)自動拳銃 enrollment to the British 航空路s (n)役員／(a)執行力のある Club, which 含むs 優先 on 代替要員，物 waiting 名簿（に載せる）／表（にあげる）s, 24/7 support when traveling outside the UK through 全世界の 補助装置, and travel 事故 保険 of up to £75,000 on public 輸送（する） when 調書をとる／予約するd with your Amex card.?

You get 1.5 Avios points for each £1 you spend. You also get three Avios point for every £1 you spend with British 航空路s or BA holidays.?

As a 指導基準 - You will need 9,000 points for a return flight to Berlin, 15,000 gets you as far as Rome and 20,000 buys you a return flight to Moscow.

The small-print

Points 満了する／死ぬ after 36 months if you don't 追加する to your account.??

There is a £195 年次の 料金 and the 22.2 per cent 率 on 購入（する）s means you need to make sure you 支払う／賃金 the card off in 十分な each month.

To be 適格の you must have a 世帯 income of £30,000 and no history of bad credit.?

If you don't want to 支払う／賃金 an 年次の 料金, there is a 解放する／自由な 代案／選択肢, the?British 航空路s American 表明する card. The 調印する-up perk for this card is a 5,000 特別手当 BA Avios after a £1,000 spend in the first six months.

Best for overseas spending: Halifax

Halifax Clarity credit card has long been a popular 選択 for no-frills overseas spending.

Dream holiday: A specialist travel credit card won't 告発（する），告訴（する）／料金 you extra for spending abroad

What it 申し込む／申し出s?

Halifax 需要・要求するs no extra 告発（する），告訴（する）／料金s for spending abroad anywhere or any extra for 身を引くing cash at home and abroad.

加える it's a Mastercard which means 転換 率s are much better.?

There is no 年次の 料金 - so there are 無 extra costs as long as you 支払う／賃金 off your balance in 十分な every month.?

付加 cards on the same account are 利用できる and you can manage your account online.

Watch out for

利益／興味 is 告発（する），告訴（する）／料金d すぐに at the card's 基準 率 of 19.9 per cent on cash 撤退s and spending abroad, but you can minimise the cost by 返すing in 十分な as soon as possible.??

Depending on your credit 得点する／非難する／２０, applicants may be given a higher 利益／興味 率 of 27.95 per cent.

You will be 告発（する），告訴（する）／料金d £12 if you 支払う／賃金 your balance late, have a 支払い（額） returned or go over your 限界.

>Skip to This is Money's 一斉検挙 of the 最高の，を越す cards to use abroad?

THIS IS MONEY'S FIVE OF THE BEST HOLIDAY MONEY DEALS

Starling Bank's 経常収支 許すs 解放する／自由な 購入（する）s and cash 撤退s abroad. The bank also 申し込む／申し出s up to 0.05% 利益／興味 on balances up to £85,000. The account is managed by smartphone app only.

The American 表明する 賞与金 加える Credit Card 申し込む／申し出s a 25,000 解放する／自由な Avios 上げる when you spend £3,000 in the first six months after 開始. It 支払う／賃金s 1.5 Avios per £1 spent and carries a £195 年次の 料金. 74.7% APR.

Metro Bank will not 告発（する），告訴（する）／料金 you for using your card or 身を引くing money from an ATM in Europe, but it will 告発（する），告訴（する）／料金 2.99 per cent on both card 購入（する）s and ATM 撤退s (加える a £1.50 料金 for the latter) for the 残り／休憩（する） of the world.

FairFX is 申し込む／申し出ing This is Money readers a 解放する／自由な prepaid Mastercard 通貨 card. It 申し込む／申し出s 高度に 競争の激しい 交流 率s, no foreign 処理／取引 料金s and low cash 撤退 告発（する），告訴（する）／料金s abroad. Comes with a £10 特別手当 when you 最高の，を越す up.

Santander's 無 Mastercard credit card 申し込む／申し出s 料金-解放する／自由な spending and cash 撤退s 世界的な, with 0% 利益／興味 on all 購入（する）s for 12 months from account 開始. 代表者／国会議員 APR of 18.9 per cent.

* (v)提携させる(n)支部，加入者 link: If you take out a 製品 This is Money may earn a （売買）手数料，委託（する）／委員会／権限. This does not 影響する／感情 our 編集（者）の independence.

Read our 十分な 一連の会議、交渉／完成する-up of the best credit and debit cards to use abroad

Best rewards cards for supermarkets: Tesco Clubcard Credit Card for 購入（する）s?

The card that's 権利 for?you will depend on where you like to shop, but the Tesco Clubcard Credit Card for 購入（する）s is 特に rewarding for supermarket spending.?

It also 現在／一般に comes with a 競争の激しい 0 per cent 利益／興味 称する，呼ぶ／期間／用語 on spending for up to 18 months.

What it 申し込む／申し出s?

It gives one Clubcard point for every £4 you spend on it in Tesco 蓄える／店s or on Tesco 燃料 and one point for ever £8 spent どこかよそで. This is in 新規加入 to the 1 point per £1 you already earn using its 忠義 計画／陰謀.

One point is 価値（がある） 1p if spent in -蓄える／店 at Tesco and up to 3p if redeemed using Tesco's Clubcard rewards 保証人／証拠物件s.??

These can be used for a variety of restaurants, cinemas and other entertainment 発生地s, 同様に as travel, through Avios.

The small print

Points 満了する／死ぬ after two years and rewards 保証人／証拠物件s after two-and-a-half.

Make sure you 支払う／賃金 the card off in 十分な each month さもなければ rewards will be quickly cancelled out as 利益／興味 is 告発（する），告訴（する）／料金d at 19.9 APR per cent.

Points will not be awarded for some 製品s, 含むing タバコ or タバコ 関係のある 製品s, 宝くじ, stamps, prescription 薬／医学s, 幼児 決まり文句／製法 milk, Tesco Gift Cards, saving stamps, Esso 燃料, Paypoint 支払い（額）s or for 購入（する）s of some Tesco Bank 製品s.?

Tip yourself: Earn a 百分率 of your credit card spending 支援する?

Best credit card for cashback: American 表明する Platinum Cashback Everyday Card?

The?American 表明する Platinum Cashback Everyday Card has the highest cashback 率 現在／一般に 利用できる ? and, as an 追加するd incentive, there is no 年次の 料金 to 支払う／賃金.

You will need to spend at least £3,000 on the card each year to qualify for the cashback.

What do you get?

Spend £3,000 on your Platinum Cashback Card?in the first three months and you will receive £100 in cashback

You can also earn cashback on supermarket and 石油 spends, 同様に as travel and entertainment. In fact, you can earn money on 事実上 all your everyday 購入（する）s.

After the first three months the 率 減少（する）s from the 5 per cent introductory 申し込む／申し出 to a 最大限 of 1 per cent.

• Spend £0 to £5,000 and receive 0.5 per cent cashback on that spend
• Spend above £5,000, receive 1 per cent cashback on that spend

You are also 適格の for travel 事故 保険 for up to £150,000 on public 輸送（する） when you buy your tic ket with your card.

Complimentary 補足の cards for family members are 利用できる, 生成するing even more cashback for your account.

The small print

You must spend a 最小限 of £3,000 a year to qualify for cashback.?

Cashback is not earned on balance 移転s, cash 前進するs, American 表明する travellers cheques 購入（する）s, foreign 交流 処理／取引s or 利益／興味.

Remember, cashback incentives are there to encourage you to buy more on your card - and 支払う／賃金 higher 利益／興味 告発（する），告訴（する）／料金s.

The 22.2 per cent APR means you should 支払う／賃金 off your balance in 十分な every month to 避ける hefty 告発（する），告訴（する）／料金s.

THIS IS MONEY'S FIVE OF THE BEST CREDIT CARDS

The American 表明する Preferred Rewards Gold Card 申し込む／申し出s 20,000 Amex points if you spend £3,000 within the first three months. It comes with a £160 料金 after the first 12 months and 28.1% on 購入（する）s.

NatWest's Balance 移転 card 申し込む／申し出s 33 months 利益／興味-解放する／自由な on balance 移転s, the longest 取引，協定 around, with a 料金 of 2.9% when transferring 負債. It has an APR of 22.9%.

The American 表明する Platinum Cashback card 申し込む／申し出s 5% cashback up to £125 for first 3 months. You get 0.75% cashback on spending up to £10k and 1% cashback above £10k. There is a £25 年次の 料金 and 28.1% on 購入（する）s.

The Halifax Clarity Credit Card is an old favourite for holidaymakers with no overseas 料金s It has no 告発（する），告訴（する）／料金s for spending abroad and low 利益／興味 when 身を引くing cash anywhere in the world. It 告発（する），告訴（する）／料金s 利益／興味 of 19.9% APR.

Barclays Rewards Card 申し込む／申し出s 0.25% cashback on everyday spending. There is no 年次の 告発（する），告訴（する）／料金 and no 料金s when using the card abroad, and you’ll be able to 身を引く cash from an ATM without any 告発（する），告訴（する）／料金s. It has a 25.9% APR.

* (v)提携させる(n)支部，加入者 link: If you take out a 製品 This is Money may earn a （売買）手数料，委託（する）／委員会／権限. This does not 影響する／感情 our 編集（者）の independence.

Read our 十分な best credit cards 一連の会議、交渉／完成する-up