Finding the best credit card deal

For many, credit cards provide them with a convenient way of borrowing. And provided that the amount borrowed each month is paid off, interest charges can be avoided.

Arguably, the first thing you should do before choosing a card is decide what you want it for. If you’re planning to use it regularly, then take a look at the different purchase rates, in particular whether the card provider offers any introductory offers. If you have an existing debt and want to reduce the interest payments on this, you might want to look at a card that offers deals on balance transfers.

An important factor when choosing a card is the APR that the issuer will charge you after any introductory offers are over. Make sure you’re happy with this rate once this period has finished.

As well as the different rates of interest on offer, many card providers offer additional benefits, such as loyalty points, cashback, or payments to support a charity.

With so many cards available on the market, it can be difficult to choose the best deal for you. Fortunately, with the help of this guide and our comparison tables, you should be able to find a card quickly and simply.

Click on the credit card tab at the top of the page to start a comparison.

If you’re still confused by credit card jargon, take a look at our jargon buster for more information. Alternatively, click on one of the links below for an answer to some of the most common credit card questions:

Help - Credit Cards

Finding the best credit card deal