Welcome to our credit card comparisons page where you can compare the latest UK credit cards and their offers.

How To Compare Credit Cards

When you’re looking around for a new credit card, then the best thing you can do is compare credit cards to see which deal best suits your requirements. You could go around collecting leaflets from high street banks or wait for junk mail from credit card companies to drop through the letterbox, but there’s an easier way. Use a comparison site to compare credit cards online.

Most sites have tables listing the credit card provider, the credit card name, the annual percentage rate and other features. They usually include best buy recommendations for various circumstances. This is a good place to start your search and you can usually broaden it by selecting the features that are most important to you.

One of the key issues when you compare credit cards is the annual percentage rate (APR). Credit card companies have different ways of highlighting these. However, they are supposed to provide a standard set of information that will enable you to compare. In many cases, the comparison site will have done the hard work of working out what the true APR is. Another issue to consider is the overall APR, rather than just what you get if there is a preferential deal. Unless you plan to pay off your credit card every month, then the long term rate is a crucial indicator of what your monthly repayments will be.

When you compare credit cards, it’s also useful to look at some of the incentives offered. Some credit cards offer to donate a lump sum or a proportion of your spending to a charity. Others may provide cash back or points rewards or allow you to accumulate air miles. It’s best to think about your lifestyle to decide which reward is most useful. It’s also worth checking to see if there’s an annual fee for the credit card. Some of the cards that offer the best rewards also have the steepest fees. Look out for balance transfer deals too, but be careful of the fees that you might have to pay.

Choosing the best credit cards is a matter of finding the right balance of interest rate and incentive for your lifestyle. That means that the best credit card for me won’t be the same as the best credit card for you. When you compare credit cards online, you stand a good chance of finding a suitable credit card. You can even get one with the logo of your favourite football team!

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