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Those looking for a credit card with a good rate may want to consider the Halifax Classic Black and Hot Pink credit cards.

The average variable rate on the cards is 13.4 % APR, which is one of the lowest rates on the market.

Holders of these Halifax credit cards can also benefit from up to 56 days interest free credit on purchases, if the balance is paid in full and on time and the previous month's balance was also paid off on time.

As many as three additional cardholders can also be added for free.

Holders of the Halifax credit cards can use the payment method at 27 million places and 160 countries around the world, the credit card provider notes.

There is no balance transfer fee for those looking to move their credit balance to Halifax, with no annual account fee either.

Halifax credit card holders could also benefit from a Card Protection Plan, which offers protection if any cards are lost.

Those who are currently studying may want to consider the Halifax student credit card, which has a typical variable rate of 17.9% APR and offers free text alerts to remind holders to pay their bill.

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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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