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But if your rewards of choice don’t need to be all about the money in your pocket and can be more specific, such as Nectar points or M&S vouchers, they can be worth more than the cash return on your credit card spending.

and balance transfer deals is probably your best bet if you're a regular shopper, alongside its 25 month interest free balance transfer window with a 2.9% fee and 0% on purchases, also for 25 months, followed by 18.9%.

I thought I had a balance of zero when they emailed me that they removed that fee.

Unfortunately it seems they decided to charge me a late fee on the late fee while they decided to agree to remove the first late fee.

The card gives account holders a significant 31 month interest free window to spend as they see fit, plus some nice Nectar rewards, though after the 31 months are up the interest charge jumps to 18.95% a year.

does a 30 month interest free deal on new purchases.

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who are really on top of their credit card repayments (and won’t get hit by astronomical interest rates) and are prepared to stomach the significant annual fees involved, you’d be hard-pushed to beat the But what if you’ve already run up the debts and despite your best efforts to drive down your borrowing, have come to the end of your 0% interest deal before you've paid it off?