Wealth workout: latest savings and credit card deals Verdict: Rates have been tumbling in recent weeks and the Derbyshire NetSaver (Issue 4) is no exception. Another best-buy rate reduced for new customers, which sees the rate fall just outside of the top best buys. While still competitive, rates of around 3pc are still achievable elsewhere so it will pay to do your homework. Not so easy access Nationwide Building Society has withdrawn its easy-access account, MySave Online Plus (Issue 7), which paid 3.06pc, and launched MySave Online (Issue 8) paying a rate of 2.9pc and includes a bonus of 1.36pc for the first 12 months. Available for those with a minimum deposit of £1,000, savers can make one free withdrawal per year, any subsequent withdrawals see the rate drop. For more information, click here or call 08457 302 010. Verdict: "Nationwide Building Society's new issue account still remains fairly competitive but continues to be very restrictive," said Ms Hannums. Savers would need to be comfortable with making no more than one withdrawal, in order to really benefit from the rate on offer. Should they access the account more than once, the rate plummets to a shocking 0.1pc for the month the withdrawal is made. Tesco's new credit card This week, Tesco has launched a brand new balance transfer card offering 22 months interest free on balance transfers and six months for purchases. Credit card holders can earn Clubcard points on their spend at a rate of five points per £4 spent in store, online or at the petrol station, and one point per £4 spent elsewhere. At the end of each quarter you will receive a Clubcard voucher to be redeemed against your shopping bill. For details, click here or call 0800 406050. Verdict: Many consumers cannot afford to pay down their credit card debt. If this sounds like you, a balance transfer card will help you save money. However, it is worth noting that balance transfers are subject to a fee of 2.9pc of the balance transferred and once the interest-free period for purchases expires the card reverts to an interest rate of 16.9pc. Kevin Mountford, banking expert at Moneysupermarket, said: "With little movement for a while in the credit card market, hopefully this new offering from Tesco will be a boost and puts them at the top of the rankings alongside Barclaycard, which is offering the same deal." Mr Mountford pointed out that HSBC offered 0pc on balance transfers for 23 months, although this is available only to existing HSBC customers. The added benefit of the Tesco deal is that shoppers with a Clubcard can earn additional Clubcard points. "This means someone who spends on average £1,000 per month at Tesco on shopping and fuel, plus spends at other outlets, could earn a Clubcard voucher worth £84," said Mr Mountford. To maximise points, trade in your Tesco vouchers for Clubcard Rewards and you get up to four times the value of redeeming them in store, for instance, each £10 voucher becomes £40 to spend on restaurant vouchers, gifts and activity days. Go online to tesco.com/clubcard/deals for more information. Borrowing services - expert help and advice on borrowing money through credit cards and loans. Read more >