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Compare Credit Cards

Compare credit cards from trusted providers with our easy-to-use credit card comparison tool. Discover rewards credit cards or compare balance transfer credit cards to find the most suitable option for you.

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Credit Card comparison that doesn’t affect your credit score

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How do credit cards work?

A credit card is a type of credit that is flexible up to a certain limit. Cards get issued with an agreed interest rate and spending limit. You can accrue debt or pay it off in monthly payments or at any time. Credit cards can be a suitable option for regular spending and expenses.

Types of credit cards

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Which type of credit card would work best for you?

With several different types of credit cards available, it is important to consider which is the best fit for you.

When you use our credit card comparison tool, we will ask you what you want the credit card for. For example: transferring an existing balance, interest-free spending, or improving your credit rating.

Take a look at some of the reasons people use credit cards and think about why you are interested in comparing options.

Credit cards for bad credit

If you have poor credit history and are worried about getting accepted, there are credit cards for bad credit. These usually come with lower spending limits and higher interest rates. Credit builder cards help people with poor credit histories prove they can make repayments on time.

Credit cards for moving debt

You can also compare balance transfer credit cards with our tool. A balance transfer card lets you move debt from one card to another. It can have an interest-free period during which you pay no interest. There is often a balance transfer fee incurred, so it’s important to check the savings in interest payments outweigh the fee.

Credit cards for rewards

Rewards credit cards are ideal for anyone who wants to make the most of their money. This credit card type allows you to take advantage of the perks that can come with spending. Whether it’s cashback, air miles, concert tickets or points, there are benefits to be enjoyed. This type of card is great for people who plan to use their credit card a lot, as rewards will build up more quickly.

Credit cards for interest-free spending

Whether you’re making a large purchase or are looking for an interest-free way to pay for everyday items, purchase credit cards are an effective option. With no interest for a fixed term, this credit card type is ideal for things like household bills or occasional treats

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Pros and cons of credit cards

Before comparing personal loans, weigh up the pros and cons to decide whether it’s the right option for you.

Advantages of credit cards

Interest-free borrowing
Plenty of credit card options offer 0% interest for an initial period, making it easier to make large purchases.
Purchase protection
Under Section 75 of the Consumer Credit Act, banks and lenders may be able to help you with refunds, repairs or replacements for problems with purchases made on a credit card.
Rewards
As long as you pay your bill every month, it’s possible to build up an array of rewards, cashback and perks with your credit card. This is especially advantageous for purchases that you would be making anyway.
Building credit
By using your credit card responsibly, you are proving to lenders that you are responsible with money and building your credit.

Disadvantages of credit cards

Temptation and misuse
With credit cards, you should always be careful to only spend what you are able to pay back. It’s possible to get into trouble and debt by misusing credit cards. If you are already struggling, a credit card may not always be the answer.
Penalties for poor management
Fees can be incurred for poor management of a credit card, for example paying late or missing payments altogether. This can also damage your credit score.

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Frequently asked questions

You can use a credit card to help boost your credit score. To avoid damaging your credit score, stick to your credit limit and make your monthly repayments on time. Paying off your credit card balance in full monthly can help boost your credit score.

A balance transfer card allows you to streamline your credit card and store card debts.It helps you become debt free quicker by paying a monthly payment to one lender every month.With a balance transfer credit card, you can avoid paying high-interest fees.

Rewards credit cards work like regular credit cards, except you can earn points for your spending.You can use these points to redeem air miles, hotel stays, shopping vouchers, concert tickets, and more.

A cashback credit card is a type of rewards credit card. Cashback credit cards offer money back on your purchases. That means that when you use the card to buy something, a small percentage – usually around 1% - will get paid back into your account.

A 0% balance transfer card can help you avoid paying interest on a balance transfer. With a 0% balance transfer card, you can move debt from one card to another, and for an agreed period, no interest will get charged.

If you can pay off your debt during that interest-free period, you will avoid paying interest on your debt.

A 0% introductory APR is an offer whereby you’re not charged interest on purchases or balance transfers for a set period of time after opening the account. It's a temporary offer, however. Once it ends, normal interest rates will then apply. So make sure you make a note of when the interest-free period is set to come to an end.

Yes, you can have multiple credit cards. Not only will this increase your overall credit limit, but each one may offer different benefits. For example, one card might give you good travel rewards, while another means cashback on groceries.

However, always remember to pay careful attention to the cards’ terms and conditions. Plus, keep a close eye on spending and repayments if you're managing more than one card.

If you want to increase your credit limit, talk to your credit card provider. To decide whether you increase your limit, and by how much, they'll usually review your spending habits, payment history and credit score.

The limit will then be changed in line with your credit profile and your overall record as a borrower.

Missing a payment on a credit card can mean you need to pay late fees. Your credit score may also be affected and the interest rate you pay may go up. For this reason, it's important to always make payments on time.

Contact your provider if you're having difficulty and they can help work out a payment plan.

If you’re doing a credit card comparison, consider a few factors. Some aspects to look at include your general spending habits, credit limit needs (now and in future) and what other benefits you want from a credit card. This can include things such as low-interest rates, rewards or cashback.

Compare different offers widely and always read the terms carefully before making your final choice.

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How do credit cards work?

Types of credit cards

Which type of credit card would work best for you?