The Post Office 2-i-n1 credit card offers a great standard rate for your everyday spending and an even lower rate for those bigger things that you would only occasionally buy. Currently offering a fantastic 0% on balance transfers for the first 10 months, 0% on purchases for the first 3 months, 0% commission on overseas purchases, 0% again on balance transfers for 5 months on the month of your 1st and 2nd anniversary.