Which credit card is right for you?

Credit cards are a great financial tool when used well and with so many options available the right card is out there for you, whatever your financial situation.

The best buy credit card might not be the best one for you, so make sure you shop around. Think carefully about your personal circumstances and what you want to use yours for before you start looking. Here are the main options you will have to choose from:

Want to borrow interest free? Go for 0% purchases

If you are looking to make a large purchase and then spread the cost over a number of months, 0% purchase cards would be the way to go. Go to our 0% purchase comparison table to find the top deals right now.

Paying interest on credit cards? Balance transfer

If you are paying interest on existing credit card debt then a 0% balance transfer could save you some serious money! By choosing a deal that gives you long enough to repay your borrowing interest free but charges a low fee you should be able to clear what you owe faster.

You can compare offers in our 0% balance transfer comparison table.

Always pay off your balance? Get cashback!

If you plan to be a model user and pay off your balance in full every month, then why not consider an option that rewards such good behaviour?

A cashback credit card works by giving you a small percentage of the money you spend back in cold hard cash. So as long as you repay your borrowing in full each month and avoid interest charges, you could actually make a profit! To find out how to take advantage, check out our guide How to Make the Most of Cashback Credit Cards.

Rewards credit cards work in much the same way, however they offer various perks like shopping vouchers when you spend over a certain amount and pay off the balance. The more you spend the more you get!

Worried you have bad credit?

No matter what your situation there are credit cards out there for you and used carefully they can even help improve your finances!

A number of providers offer cards designed especially for those with a poor financial history, and you can use them to rebuild your credit score as well as for day to day spending.

To learn more about how a credit card can help you get back on your feet financially, read our guide 5 Rules for Using a Credit Card to Build Credit. Take a look at our credit building comparison table to see the deals available and read our Bad Credit Credit Cards guides to find out why your application might be declined before you apply.

It is always a good idea to check your credit report and the eligibility criteria before you apply for any card. Our guide How to Check Your Credit Report is a great place to start.

How much do credit cards cost?

Interest rates are one of the first things you will need to look at when comparing what is on offer. These will determine how much using each card will cost you, so the lower they are the better!

The Representative APR and Representative Example will give you an indication of the comparative cost of borrowing using each card. However, although these incorporate annual fees they are not necessarily as useful as they seem.

Compare deals and apply for a credit card

Once you have been through your options and established what you need, you can begin to compare deals. As soon as you have found an option that ticks all the boxes you can apply online.

Be sure not to apply for more than one card at a time, as each application will show up on your credit history. Read our guides How to Apply for A Credit Card and The Reason You Won't Get Approved for the Credit Card You Want for useful tips that will help you apply with confidence!