Best Credit Card - 9/12 0% months and money back - which one?

darkovo

I've never had a Credit Card but been pre-approved on offers etc from my banks & never been in debt (apart from mortgage).
I want a CC mainly for Internet Usage as currently use a Debit Card and it's not as Safe, so want a CC that has Internet Fraud protection.
I don't have to transfer any debts.
Cashback would also be good as I tend to spend quite a bit and would use the card.
I'm not worried about late payments, and will have a Direct Debit set up and not over spend (never have done yet).

I know I may get turned down for certain cards as I don't have much history as just 2 separate banks accounts & Mortgage (did have a store card too for a year), but can anyone give me advice on the best one to go for?

I hear it's best to start getting a good Credit history so may as well start now!

Thanks

grumbler

See links Purchases and Cashback in the blue box above. AFAIK all credit (and debit) cards offer some protection from fraud. Read T&C.

M_Thomson

darkovo wrote:

)
I want a CC mainly for Internet Usage as currently use a Debit Card and it's not as Safe, so want a CC that has Internet Fraud protection.

Internet Fraud protection is just some marketing gimmick that credit card companies have dreampt up. You will be protected against all unauthorised use of a credit card wether online or not.

darkovo

Thanks for the links, looks like I'll wait until 20th Feb and read Martins tips on Credit Card round-up before I decide but at the moment it'll either be the Egg card or American Express Blue.

young

http://www.moneysupermarket.com/Cards/PreApply.asp?CardID=1008&d=1

I am going for this one. Amex blue. 8.9% purchases, but 4.9% for transfers for life of balance