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Consumers looking for a credit card to hit the sales later this month may want to consider the Halifax All in One credit card, as it offers 0% on purchases for nine months.

In addition, cardholders can also benefit from 0% on balances transferred within the first 90 days, with a 3% balance transfer fee.

The typical rate of the card is 15.9% APR variable.

Cardholders wanting to take advantage of the 0% rate must stay in their credit limit and make payments on time.

Consumers who already hold another Halifax or Bank of Scotland credit card are not eligible for the 0% balance transfer offer.

Those looking to do some of their sales shopping online may be pleased to hear Halifax offers protection against online fraud for purchases made on the internet.

Furthermore, consumers planning to do their sales shopping abroad will also be able to use the Halifax All in One credit card, as it is accepted in over 24 million locations worldwide.

Consumers must be aged 18 or over to apply for the card, but there is no minimum income required.

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Credit Cards	0% Balance Transfers	0% Purchases	APR Representative (Variable)
	Tesco ClubCard Credit Card
	9 months	15 months	16.9%
** 16.9% APR representative (variable). Based on a credit limit of 1200 and purchase rate 16.9% p.a(variable). **
	Virgin Credit Card
	20 months	3 months	16.8%
** 16.8% APR representative (variable). Based on a credit limit of 1200 and purchase rate 16.8% p.a(variable). **
	Barclaycard Platinum with BT
	22 months	3 months	17.5%
** 17.5% APR representative (variable). Based on a credit limit of 1200 and purchase rate 17.5% p.a(variable). **
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