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0;switch(e){case"expanded_panel":o='{promoMarkup}{notifMarkup}',r=n._store.getNotifications(),a=n._generatePanelMarkup(o,r),i.innerHTML=a;break;case"error_panel":a=(o='{errorMsg}').replace("{errorMsg}",n._config.panel.errorMsg),i.innerHTML=a}t&&t()}else t&&t(new Error("No panel parent"))}},{key:"createPanelParentNode",value:function(e){e&&(e.innerHTML='',this._panelNode=document.getElementById(D))}},{key:"updateBadgeNode",value:function(e){if(e){var t=this._store.getNotifications().newCount,n=this._config.badge.maxCount;if(t){var o=t>n?n+"+":t;e.innerHTML=o}else e.innerHTML=""}}},{key:"addStyles",value:function(e){if(e&&"undefined"!=typeof window){var t=document.getElementById(this._config.panel.styleTagId);t||((t=document.createElement("style")).type="text/css",t.id=this._config.panel.styleTagId,t.innerText=e,document.head.appendChild(t))}}}]),e}(),U=function(){function e(t,n,o){L(this,e);var i=this;i._store=n,i._view=o,i._config=t;var 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n=e.getConfig();"smartphone"===n.device&&("finance"===n.property&&"crunch"===n.ytheme&&e.addElementListener(t.searchInput,"click",(function(){var n,o;n="search_input_focus_click",null!==(o=ae())&&(ne[n]||(ne[n]=o)),e.addElementListener(t.searchForm,"click",(function(){if(t.ybar){if(t.ybar.classList.contains("ybar-searchbox-assist-fullscreen"))return;t.ybar.classList.add("ybar-searchbox-assist-fullscreen"),t.ybar.classList.add("ybar-searchbox-assist-fadein")}if(!document.documentElement.classList.contains("ybar-overlay")){document.documentElement.classList.toggle("ybar-overlay"),document.body.classList.add("ybar-overlay-noscroll");ee("ybar","websrch","",{elm:"expand",subsec:"searchbox",itc:"1"})}}))})),e.addElementListener(t.searchBoxPlaceholder,"click",(function(){Ft(e,t)})),e.addElementListener(t.searchBoxPlaceholder,"keydown",(function(n){var 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t,n=e.getConfig(),o={ybar:document.getElementById("ybar"),searchInput:document.getElementById("ybar-sbq"),buttonBar:document.querySelector(".".concat(jt["sa-btn-bar"])),searchForm:document.getElementById("ybar-sf"),searchBoxIcon:document.querySelector(".".concat(jt["searchbox-icon-uh3"])),searchBoxPlaceholder:document.getElementById("ybar-smartphone-searchbox-placeholder"),searchBoxBackButton:document.getElementById("ybar-search-back-btn"),shopsButtonsWrap:document.querySelector(".".concat(jt["shops-buttons"])),categorySelect:document.getElementById("shops-category-select"),selectedMerchantInput:document.getElementById("selected-merchant-input"),selectedMerchantClearButton:document.querySelector(".".concat(jt["selected-merchant-clear-button"])),submitSearchBtn:document.getElementById("ybar-search"),clearSearchBtn:document.getElementById("ybar-sbq-x"),searchGradientBorder:document.querySelector(".".concat(jt["search-border-gradient"]))};if(function(e,t){var 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Gt(e,o.submitSearchBtn,m(m({},Kt),{label:null!==(t=n.i18n.root.SEARCH_TOOLTIP_WEB)&&void 0!==t?t:"Search the web",containerClass:"".concat(jt.tooltip," ").concat(jt.tooltip__web),tooltipParentElm:o.clearSearchBtn.parentElement}))}));var Jt="_yb_tdk4ba",Vt="_yb_hkd17a",$t="_yb_rtzclf",Xt="_yb_tdbhj6",Zt="_yb_de52ef",Qt="_yb_9hwrey",en="_yb_slc8ta",tn="_yb_bf0svp",nn="_yb_hjic9z";be("ybar-mod-adaptivenav",(function(e){var t=document.querySelector("#ybar-l1-more-menu ul"),n={moreDropDown:document.querySelector(".".concat(Jt)),moreBtn:document.querySelector(".".concat(Vt)),wrap:document.querySelector(".".concat(Xt)),moreSectionTitle:document.querySelectorAll(".".concat(Zt)),editionsCtaBtn:document.querySelector(".".concat(Qt)),editionsMenu:document.querySelector(".".concat(en)),closeBtn:document.querySelector(".".concat(tn)),moreMenuDropDownHeight:t?"".concat(t.offsetHeight+48,"px"):"0"};new 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RegExp("[?&]notifications=1(&|#|$)");"desktop"===y&&i&&b.test(window.location.search)&&(i.checked=!0)};be("ybar-mod-notification",(function(e){var t={isUH3:"crunch"===e.getConfig().ytheme,notifContainer:document.getElementById("notification-container"),notifBadge:document.getElementById("notif-badge"),notifMenu:document.getElementById("ybarNotificationMenu"),notifMenuOpener:document.querySelector("#ybarNotificationMenu + label"),notifDropdown:document.getElementById("notifDropdownContainer"),tooltipContainer:document.querySelector(".".concat(Vn)),notifLabel:document.querySelector(".".concat($n))};t.notifDropdown&&ro(e,t)}))}()}};]]>Pedro Goncalves · Finance Reporter, Yahoo Finance UKUpdated Wed, 23 Jul 2025, 9:40 am 7 min readCredit cards aren't just about spending. They are also powerful tools that, when used wisely, can help you save money, manage debt and even earn rewards. Whether you're looking to cut down on interest payments, earn cashback on everyday purchases, rack up air miles for your next holiday, or avoid fees while traveling abroad, there's a credit card tailored to your needs.In this guide, we’ll break down the best options on the market for balance transfers, purchases, cashback, air miles and travel spending. We'll show you how to use these cards to your advantage, ensuring you get the most value while avoiding common mistakes.If you're struggling to keep up with credit card payments, a balance transfer credit card can be a lifesaver. These cards allow you to transfer existing credit card debt onto a new card with a 0% interest rate for a set period, potentially saving you hundreds of pounds in interest.Read more: How to build passive incomeHowever, there are some crucial rules to follow to make the most of these deals:Always pay the minimum monthly repayment. Missing a payment could result in losing your 0% interest deal, incurring fines, and damaging your credit score.Clear the debt within the interest-free period. To avoid paying interest after the promotional period ends, make sure you can pay off the entire balance within the 0% timeframe.Don’t use the card for new purchases. The 0% deal usually applies only to transferred balances, and using the card for new spending could result in hefty interest charges.Check your credit score. The best deals are often reserved for those with a strong credit rating, so it's worth checking your score before applying.Kate Steere, a credit card expert at personal finance comparison site finder.com, said: “There's healthy competition in the balance transfer market at the moment and you can bag almost three years at 0%, provided you don't mind paying a balance transfer fee."The longest 0% deals always come with these painful, percentage-based balance transfer fees. So if you’re in the market for a balance transfer and don’t think you’ll need such a long period to clear your card debt, then first consider the longest no-fee deals on the market (Barclaycard [BARC.L] currently offers 14 months with no transfer fee). But if you do know you'll need longer to clear your debt, then it’s worth taking a slightly shorter 0% term to get a lower balance transfer fee.”A 0% purchase card allows you to make new purchases without paying interest for a set number of months. This can save you thousands compared with using a standard credit card, assuming you pay off the balance during the interest-free period.Terms and Privacy PolicyPrivacy & Cookie SettingsFTSE 1009,067.26 +43.45 (+0.48%)GBP/USD1.3542 +0.0012 (+0.09%)GBP/EUR1.1535 +0.0025 (+0.22%)FTSE 25022,019.93 +85.67 (+0.39%)AIM772.72 +2.58 (+0.34%)GOLD FUTURES3,434.80 -8.90 (-0.26%)PortfolioSign in to access your portfolioSign inTop gainers0TCP.IL Dino Polska S.A. 531.10 +453.60 (+585.29%)0MC5.IL Public Power Corporation S.A. 14.10 +11.83 (+520.93%)0RCR.IL National Bank of Greece S.A. 11.90 +9.12 (+328.52%)0FMO.IL Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna 79.52 +56.93 (+252.02%)0AB5.IL Iveco Group N.V. 18.84 +12.47 (+195.62%)Top losers0V1I.L International Lithium Corp. 0.0125 -0.0375 (-75.00%)0R5W.IL Dustin Group AB (publ) 1.7050 -85.4950 (-49.51%)0A5O.IL Allegro.eu S.A. 36.19 -28.55 (-44.10%)0ROY.IL Davide Campari-Milano N.V. 6.41 -3.71 (-36.68%)0RGY.IL Fingerprint Cards AB (publ) 0.0098 -0.0053 (-35.10%)Most activeCOR.L Corpus Resources Plc 0.0170 0.0000 (0.00%)EME.L Empyrean Energy Plc 0.1190 +0.0290 (+32.22%)VULT.AQ VAULT VENTURES PLC 0.0198 -0.0007 (-3.41%)MIRI.L Mirriad Advertising plc 0.0135 +0.0010 (+8.00%)ECR.L ECR Minerals plc 0.2222 +0.0072 (+3.35%)Earnings eventsTrending tickersNVDA NVIDIA Corporation 167.03 -4.35 (-2.54%)LLOY.L Lloyds Banking Group plc 77.76 -0.14 (-0.18%)SHEL.L Shell plc 2,646.50 +27.50 (+1.05%)TSLA Tesla, Inc. 332.11 +3.62 (+1.10%)BTC-USD Bitcoin USD 118,389.84 +410.16 (+0.35%)Top economic events