Sensible use of a credit card questions

[Loobieloo27]

Hi, I'm thinking of getting a credit card for getting my food shopping then paying it off in full every month. My credit rating is 'good'.

On looking I can get a card that is 0% on purchases for 12 months, is this all purchases or just one? I'm nervous as I don't want to do something wrong.
Thanks!

If you are going to pay it off every month then it doesn’t matter what the interest rate is. Choose one with the best benefits. Eg Tesco fives extra Clubcard points

Gives

You only pay interest on money that you owe still, after the end of the month.
I’ve had credit cards for nearly 40 years and never paid a penny in interest.

As above, if paying off in full each month, look for rewards rather than interest rates.

If for example I'm unable to pay the full balance one month (unlikely but I want to be prepared) would I pay interest within those 12 month if it says 0% or would I pay the initial Apr it offers?

You wouldn't pay interest until 12 months was up but you would need to pay the minimum amount of the balance for that month.

You can make as many purchases as you like provided you don't exceed your credit limit.

Set it to be paid off by DD in full every month. You can move the DD date to suit you, eg just after payday.
If you're after reward cards, I'd recommend American Express and Amazon. I do all my spending on both of these. I average £130 cashback on Amex and £40 Amazon vouchers per year, free money. I don't pay interest and don't spend if I don't have it in the bank.

I put absolutely every transaction on my credit card for the benefits it gives. Then pay it off. As a pp said - in effect free money