The best credit card for you

Competition is hotting up in the market for credit cards. And with several decent balance-transfer deals out there, that's good news for anyone with small debts they want to pay off, says Ruth Jackson. Here, she looks at the best credit card deals around at the moment.

It may have finally dawned on the nation's politicians that we are in terrible economic trouble the national debt is all but out of control. However, at a more micro level, things aren't as bad as they were.

Why? Because after a year of mediocre credit-card deals, competition is hotting up again. Several new 0% balance-transfer deals have stormed to the top of the best-buy charts. And that is great news for those with small debts they are keen to pay down fast. It means they can shift them on to a 0% transfer credit card and then pay it off in manageable chunks each month interest free.

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Ruth Jackson-Kirby

Ruth Jackson-Kirby is a freelance personal finance journalist with 17 years’ experience, writing about everything from savings accounts and credit cards to pensions, property and pet insurance.

Ruth started her career at MoneyWeek after graduating with an MA from the University of St Andrews, and she continues to contribute regular articles to our personal finance section. After leaving MoneyWeek she went on to become deputy editor of Moneywise before becoming a freelance journalist.

Ruth writes regularly for national publications including The Sunday Times, The Times, The Mail on Sunday and Good Housekeeping, among many other titles both online and offline.