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The Tesco clubcard credit card could be a good option for those who always pay off their balance in full every month, according to a national newspaper.

The Telegraph states that for those who do pay off their balance every month, interest rates are less important than the rewards and benefits on offer with a credit card.

Fot this reason, the clubcard credit card could be a good choice for this type of spender as they can earn points on all their shopping, whether at the supermarket or not.

Points can be used for in-store vouchers, airmiles, or a meal out, the newspaper adds.

Meanwhile, for those who go in to the red once every now and again, a low standard monthly purchase rate is a priority when looking for a credit card, the paper advises.

"Barclaycard Platinum Simplicity has a monthly rate of 0.55%, and the Goldfish card has a monthly rate of 0.79," it adds.

Drivers may also want to consider the new AA credit card, which could help users to save money on car insurance.

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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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