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Compare our best credit card deals

Whether you want to spread the cost of your purchases, pay off debt or earn rewards when you spend, the right credit card can save you money.

Compare credit cards from over 10 leading providers

Our data experts check each company thoroughly before we add them to our comparison pages, so you can be confident when you make financial decisions that you're dealing with genuine companies.

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Origin
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Types of credit cards

Purchase cards

0% purchase cards offer lengthy introductory interest-free periods, which means that you can charge purchases to your credit card and then pay off the cost in monthly payments. As long as you pay off the full balance before the end of the interest-free period, you won't pay any interest on your purchases.

Balance transfer cards

Balance transfer cards are useful if you want to pay off existing debt – especially as many of these credit cards come with lengthy interest-free periods. You can transfer the balance from one or more credit cards onto a balance transfer credit card, often in return for a small fee. Once the balance is on the new card, you can pay it off in monthly instalments.

Money transfer cards

Money transfer cards are similar to balance transfer cards. The only difference is that money transfer cards allow you to move money from your new card directly to your bank account. You can use the money you transfer to pay off your overdraft or loan, often over a long interest-free introductory period.

Credit building cards

Credit building cards are aimed at individuals with no previous experience of borrowing or those with poor credit histories. These cards usually come with high interest rates and low credit limits. But if you use them responsibly and pay off the balance at the end of each month, they will help you improve your credit rating.

Rewards cards

Many providers now offer different benefits and rewards to incentivise you to take out and use their credit cards. The rewards tend to vary from card to card, but some of the most common rewards offered include vouchers or in-store points and Air Miles. Some provide cashback every time you spend on the card.

Travel credit cards

These cards are aimed specifically at regular travellers. These are useful as they don't charge foreign transaction fees, so you can use them whenever you're travelling abroad. If you often find yourself in Europe or further afield, a travel credit card may be worth considering.

Credit card basics

Discover how credit cards work and which credit card is best for you with our array of credit card guides.

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22 October 2021

How to get your first credit card

Getting your first credit card is an important financial step, but knowing how to apply for a credit card can be tricky. This guide will steer you through the process and help you secure a useful resource in case of emergencies.

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Tips & Tricks

Always try to pay more than the minimum

Paying off more than the minimum amount on your credit card balance each month enables you to clear the balance more quickly and significantly reduces the total amount of interest you pay. Double win!

Pay your balance in full every month

In most cases, if you want to avoid being charged interest, always pay off the full balance of your credit card each month. This way you won't be charged interest on your spending, and any rewards or cashback you earn is an added bonus.

Use balance transfers to pay off debt

If you're paying interest on a balance that's built up on an existing credit card, it might be worth switching the debt to a 0% balance transfer card instead. Many have interest-free periods of 30 months or more. You can use this time to reduce the debt.

Never miss a payment

Missing payments is a cardinal sin when using a credit card. Not only will you be charged a fee, but it also leaves a mark on your credit file and means it is harder for you to borrow in the future. This is why it's important to make the minimum repayment every time it's due.

Don't make too many applications

If your application for a credit card has been rejected, don't apply for another one straight away. Making several applications in a short period of time can be interpreted as being desperate for credit. Wait at least six months till you apply again.

Avoid cash withdrawals

Withdrawing cash from your credit card is extremely expensive. The card provider charges a fee each time and charges daily interest that soon adds up. It also leaves a mark on your credit record that could affect future credit applications. 

Credit score 101

What is a credit record?

It is a record of your financial history, including details of when you have borrowed money and the repayments you have made. Here is what else it shows.

Read guide
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How does credit scoring work?

We take a look at who decides your credit score and what you can do about it.

Read guide
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How to improve your credit score

Here are some steps you can take to boost your chances of getting credit in the future.

Read guide

How to check your credit rating

It's important to regularly check your credit rating to stay on top of your finances.

Read guide

Your rights

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Section 75: Your free credit card purchase protection

Did you know that when you spend money on your credit card you get extra consumer protection on your purchases? Find out more about Section 75 of the Consumer Credit Act and how it can provide you with additional peace of mind.

Read guide

How to complain about financial services

If you are left out of pocket or are mistreated by your bank or insurer you may want to complain. Here is how to get your complaint heard.

Read guide

Debt rights explained

We look at what you need to know about your rights if you fall behind with debt payments and what creditors can do to get their money back.

Read guide

Do you have bad credit?

See which cards you'll be approved for ...

Features and insights

Find unique research and in-depth articles about credit cards and related personal finance topics that help you expand your knowledge.

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Credit card FAQs

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Why compare credit cards with money.co.uk?

Comparing credit cards could help you save money or get more rewards from your spending. Our award-winning credit card comparison service makes sure you get our best deals for 0% periods and more. Our aim is to provide you with the most up-to-date information, as well as useful tools and calculators so to help you make life's most important decisions and take control of your money.

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Last updated: 7 June 2022

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