An interesting article in the Weekend newspaper highlighted the enticing offers to attract new applications for credit cards.  The incentives included gift vouchers, air miles, football club shirts and good old cashback.

It seems as though many credit card providers seem to ignore the customers that simply want to pay lower interest on their credit card balances.

Mint – part of Royal Bank of Scotland offer a good introductory rate, an attractive 0% on balance transfers but no free gift or gimmicks.  Looks like the Top Banana will be making a credit card application online to Mint