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The 0% introductory period has been extended on the Sainsbury's credit card from three to ten months, the credit card provider has reported.

Holders of the Sainsbury's credit card will receive a typical APR of 15.9%, down from 16.9%.

The news comes as Sainsbury's Finance revealed credit card firms have cut the number of 0% deals by one fifth in the past year.

The average credit card rate is now reportedly 18%, the research also showed.

Stuart McKeggie, head of Sainsbury's credit cards said: "By increasing the 0% period on our card and decreasing the typical APR, we are bucking the trend and hopefully offering borrowers a bit of respite in what is still a tough economic climate for many people."

The credit card has no annual fee and offers fraud protection at home, abroad and online.

There is also 0% APR for ten months on balance transfers, subject to a 3% fee.

Tesco is also currently offering a credit card called the Clubcard credit card, with the same offer on balance transfers.

The typical rate on the card is 16.9% APR variable and there is 0% interest on all purchases.

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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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