Scottish Widows offer a number of attractive introductory offers, as well as allowing you to tailor a credit card to your spending needs. You can get 0% on balance transfers for the first six months*, which will later rise to a typical APR of 13.9% (variable) and the same typical rate applies to purchases. You can also choose how much of an annual fee you want to pay - from nothing to £30 - the more you pay the lower your annual interest rate will be. Conversely if you tend to pay off your balance every month, you can opt to have a high annual interest rate but pay no annual fee. Other features include free cover on all purchases you make with the card for 90 days, and travel accident insurance covering you for up to £50,000. If you want to protect your card and payments Scottish Widows also offer Sentinel Card Protection, and you pay by direct debit and get statements either online or through the post.

The Cardbuilder demonstration is a notable feature of Scottish Widows' site, allowing you to see how the different combinations of annual interest rate and annual fee work out along with the various card designs that are on offer. All the information about the card is accessible and well-presented: there's a 'summary box' page giving an overview of rates and charges, and a 'terms and conditions' section for more comprehensive detail.

*Made within 6 weeks after account opening. After 5 months Balance Transfers charged at standard purchase rate. Payments applied towards Balance Transfers first.