We know the new year is just hours old, but that's not going to stop us from using the holiday to predict every club game, tournament draw, and goal for the rest of the year.

Hearts II versus CS Strollers kick off 19:45 © 2025 BBC. The BBC is not responsible for the content of external sites. Read about our approach to external linking.

Below are our ratings of 2025's top PREMIER Bankcard® credit cards. As a leading subprime credit card provider, the card offerings are tailored to those with a less-than-perfect credit history.