I always pay off balance in full every month

Even though you may typically use your credit card for everyday purchases, from groceries to petrol to household goods, you never carry a balance over to the next month and always ensure that you repay your statement balance in full and on time. In your case, the interest rate is irrelevant, as you'll never be faced with paying it.

You need to ensure first that the card you choose has a decent interest-free period, and that you always pay before that period is up. Some cards offer up to 59 days interest-free, and you can make sure that you are always on time with your payment by setting up a direct debit with your bank for the full amount each month.

When you take into account that your card provider will charge you £12 for a missed payment or late payment, the direct debit option certainly looks like a sensible option.

If you ever plan to use a credit card for big-ticket items, such as holidays or other major purchases, where you don’t intend paying off the full balance immediately, it may be worth applying for a separate credit card with a lower interest rate, purely for such occasions.

I usually pay off balance in full each month
 

You use your credit card regularly, for everyday purchases as well as the odd luxury item, and though you aim to pay it off in full each month you don't necessarily mind carrying the a balance over from time to time.

In your case, the interest rate is an important factor - you need to ensure that you don't pay over the odds for not paying off in full each month. To keep charges down, choose a card with no annual fee, and a low standard rate of interest.

You may be tempted by cards offering cash back or travel rewards schemes, but these cards are not suitable unless you always repay your balance in full. The reason is that rewards based cards will often come with a higher rate of interest, so if you fail to repay your statement balance, the interest you get charged can easily wipe out any rewards or cashback benefit you may have accrued.