Credit card companies make their money by charging you interest. And frankly the interest cost is so large it often overrides the protection, so follow… The Golden Rule: Always set up a direct debit to pay the card off in full each month, so you'll never pay interest
If you don't have a credit card or have debts on a card, and need another specially for these purchases, which you can pay off in full each month, it's time to apply for a new card. The two best choices are:
A cashback credit card
These pay you when you spend on them. With a direct debit set up so there's no interest, they can add £100s a year to your income without any hassle. Full info and best buys in our Credit card rewards guide.
A 0% spending card
If you're going to spend on a card you can't repay in full, ensure it's as cheap as possible. A number of cards offer 0% interest for more than a year on all your spending. Full info and best buys in our Best 0% credit cards guide.