The best credit card deals If you are just looking for a credit card to fund a large purchase, then a 0pc purchase card is the best option. Remember that you must repay the balance in full by the end of the 0pc period otherwise you will be charged interest. If you plan to pay off your credit card each month, then a reward card would be a better option as you can earn cashback or reward points for all your spend. Many of the top balance transfer deals are only offered to new customers and generally require you to move your debt to the new lender within the first two months. The zero per cent deals are being offered for the longest periods ever, and tend to work out cheaper than the best low-rate long-term card offers. However, cardholders are warned that, when seeking the best options on the high street, most high street banks will probably offer their own cards, which will not necessarily be market leading deals. Top balance transfer credit cards Barclaycard Platinum Credit Card - zero per cent on balance transfers for 22 months with a one-off fee of 2.9pc. Standard APR 17.9pc. Balance transfer fee on this card is less than the Halifax's. Halifax Balance Transfer Card zero per cent offer for 22 months with a single balance transfer payment of 3.5pc. Standard APR 17.95pc. Barclaycard Platinum - zero per cent offer for 21 months with a balance transfer fee of 2.6pc. Top purchase credit cards M&S Credit Card - This card is better for those looking for the best purchase deals. M&S offers zero per cent for 15 months with a standard APR of 15.9pc. Tesco Clubcard Credit Card - another good option with zero per cent for 15 months and a standard APR of 16.9pc. Halifax All in One - Zero per cent for 15 months with standard APR of 17.9pc.