Chris Lilly, a credit card expert at personal finance comparison site finder.com, said: “January is peak balance transfer ...

Make charges to your card or borrow against your credit line. Either way, you can pay off the balance in equal monthly installments at a fixed rate. It earns rewards, but it lacks certain other ...

Our opinions are our own. This card will give you plenty of time to pay down debt or finance a large purchase, without being charged interest. But it doesn't offer much in terms of ongoing value.