Top credit cards can be compared by many different measures of preference. Interest, which may be zero for an initial period is one important factor. Other factors include rewards, annual fees, late payment fees, and other details of the account.
It's easy enough to find information which says that a particular card is "top", but really there is no such thing as a particular top credit card, because each persons needs are different. So to choose which is the best offer for you personally, it is a good idea to start by looking at your own personal finance situation and needs, and so see which offers are most useful to you personally.
Some people are trying to get out of debt, some need some available cash flow for purchases of one type of another. Some people need to borrow for the long term, some people might always keep the balance positive and use the account in other ways. Have a think through what you need financially, and what would help your situation the most right now.
For anyone who wants to decrease their debt, the interest owed on existing borrowing can be a huge problem. Often the repayments which are made barely cover the interest so the debt itself is not being paid off and is remaining about the same. There are particular offers which can make a huge difference to this problem. These offers are zero percent interest on balance transfers.
These 0% balance transfer offers can be used by moving existing debt to the new account and thus saving having to pay any interest on it for the initial period. This makes it possible to pay down the debt itself while not increasing the current monthly repayment amount at all, and thus make a real difference towards reducing the debt itself.
The other offer of no interest for an initial period applies to purchases, and so can be really helpful to anyone who needs to purchase certain items. Rewards can also be useful, such as cash-back and special offers.
The top credit cards for you personally can help your finances considerably, so choose wisely!
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