Credit card guides

Our credit card guides can help you decide which is the best type of card for your needs, be it a balance transfer, purchase, cashback or reward card. We also explain the legal protection available.

Which Credit Card Is Best For Me? - Choose a card

Choosing the right type of credit card could save you money in interest, earn you rewards or help you get accepted. Here is how to pick the right one and where to find it.

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Can you transfer money from a credit card to your bank account

If you want to borrow a small sum of cash to repay a debt, or clear an overdraft, you can use a money transfer credit card to move credit into your current account.

A stack of five credit cards

When should you use a credit card or debit card?

When it comes to credit cards vs. debit cards, is one better than the other? Each has its advantages, so it's useful to know when to use one over the other.

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What is interest?

Borrowing costs money. A lender will usually charge a borrower a percentage of the money lent, rather than a flat fee. This is called interest. This guide covers the basics of how interest works, what it is and what it means for your finances.

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.

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How to improve your credit score

You can take these steps to improve your credit score and increase your chances of getting accepted for credit in the future.

How to use a credit card for your Christmas shopping

UK households typically increase their spending in December. If you plan to spend more money on Christmas this year, use a credit card to make it work for you.

One woman giving her credit card with her right to another over the counter in a clothes shop.

What are store cards & are they worth it?

Applying for a store card at your favourite shop might bag you a discount, but there could be a cheaper option. Here's how store cards work and what they cost.

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How to understand credit card charges

Here are the credit card charges you need to know about and how to avoid them.

A stack of five credit cards

How to get your first credit card

Here is how to prepare yourself for your first credit card application.

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What are rewards credit cards?

You can get rewards like shopping vouchers for just spending on some credit cards. Here is how they work and how to choose a card with the rewards you want.

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How to get accepted for a credit card

Here is how to improve your chances of getting accepted for a credit card.

air miles credit cards

What is an air miles credit card?

You could earn free flights just by spending on an air miles credit card. Here is how they work and how to pick the right card.

How to use cashback credit cards

If you pay off your credit card every month you could make a profit on your spending with a cashback card. Here is how to pick a card and maximise what you earn.

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Why you should compare travel credit cards

If you want to find the cheapest travel credit card to use on holiday this year, it is important to compare as many as possible to find the best one.

Visa and Mastercard

What is the difference between Visa and MasterCard?

MasterCard and Visa work very similarly to one another. They are payment networks, which process payments when you spend using your credit, debit or prepaid card.

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What are credit cards?

Here is how credit cards work, what they cost, whether you need one and if so what type of card you should get.

How to pay off your credit card

There's more than one way to pay off your credit card debt. Whatever you choose to do, you could drastically cut down your interest payments and become debt-free sooner.

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What is a balance transfer credit card?

Balance transfer credit cards allow you to move debt from one card to another. The new card may have 0% interest rate, so you can clear your debt quicker.

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How to use a credit card for interest free purchases

0% credit cards do not charge you interest on your purchases for a set period of time. They're commonly used for buying big, expensive products so you can spread out the cost.

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Can you withdraw cash from a credit card?

You can use a credit card for cash withdrawals, but they come with expensive fees. Here is when they are charged and how to keep your costs down.

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How to manage your credit card

Knowing how to manage your credit card can help you get the most out of it and save money. This is how to make using your new card hassle free.

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How long does it take to get a credit card?

It can take up to 10 working days for your credit card to arrive in the post. But you may be approved for the card on the same day you apply.

Should you get a student credit card?

A student credit card could be useful in emergencies and help you build your credit record, but they can be expensive. Here's how to find the right student credit card and use it wisely.

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Can you use a credit card abroad?

You can use credit cards abroad, but it's not as simple and can be more expensive than in the UK. Here is what you need to know before using your credit card overseas.

Woman sitting on sofa looking at two credit cards with her laptop on her legs.

How many credit cards should you have?

Here is how the number of cards you have can affect your finances and credit record, and what you can do about it.

How to check your credit card application will be accepted

Find out which credit cards could accept you with our eligibility checker

business credit card

What is a business credit card?

If you run a business or make purchases for the company you work for, a credit card could be the best way to spend. Here's what you need to know about business credit cards.

How to apply for a credit card

If you want a new credit card, here is exactly what you need to do to apply for it.

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Section 75: Your free credit card purchase protection

You can use your credit card for extra protection when shopping, but only if you spend between £100 and £30,000. Here is how Section 75 can cover your spending.

Can you transfer a balance from someone else's credit card?

You can transfer a balance from one person's credit card to another. But taking on someone else's debt can be risky.

A stack of five credit cards

How to get a credit card if you have bad credit

If you have struggled with debt in the past, you may still be able to get a credit card. Here is how to get a card and start to rebuild your credit record instead of making it worse.

money credit limit

How do credit card limits work?

Here is everything you need to know about credit card limits.

Stack of credit cards

What is a money transfer credit card?

If you want a new credit card, here is exactly what you need to do to apply for it.