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Compare credit cards from across the cosmos

Clear your mind and visualise a credit card that will help you with your finances. Can you see it? Let’s turn that floating hallucination into something real – my genius moneymatcher tool will help find the right credit card for you.

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Which credit card is right for me?

0% Balance Transfer

A 0% Balance Transfer card lets you move multiple debts into one place and have no interest to pay for the entire promotional period.

View Balance Transfer Cards

0% Purchase

Getting a 0% purchase credit card will allow you to spread the cost of a significant purchase such as a holiday, without having to pay interest.

View 0% Purchase Cards

Rewards

Every time you spend using a rewards credit card, you will accumulate points that you can put towards food shopping, holidays and more.

View Rewards Cards

Credit Builder

Are you looking for a way to borrow money and improve your credit score? A credit builder card might be a good option for you.

View Credit Builder Cards
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  • What is a credit card?

    A credit card is a way of borrowing money very similar to a personal loan, but instead of agreeing to a set repayment schedule, you will have the card until you decide to close the account.

    You will have to make a minimum repayment every month and the outstanding balance will incur interest. If you pay off the total amount every month to bring the balance back down to £0, you won’t be charged any interest. Depending on the credit card, you may also have to pay a monthly fee.

    How does a credit card work?

    • Flexible spending
    • Each card has a credit limit
    • You must make a minimum repayment every month
    • Outstanding balance will incur interest

    A credit card allows you to flexibly borrow money and pay it back later. Each card will have a credit limit you’re allowed to spend within, and you must make a minimum repayment every month or you will face additional fees and penalties.

    You are able to spend on the card every month, but the more you spend, the more interest you will owe. Each card will have a different interest rate calculated as APR (Annual Percentage Rate), which will vary depending on the credit card you have chosen.

    By keeping up with monthly repayments, you can spread the cost of a larger purchase over several months. However, by spending too much and missing repayments, you can easily slide into debt. Credit cards work best when you have your finances under control and are able to comfortably afford repayments.

    What are credit cards used for?

    There can be several reasons for getting a credit card, not least to have additional funds during a month where you have to spend a lot more than normal. Credit cards can be used primarily for the following:

    • Frequent spending on small items
    • Spreading the cost of a significant purchase
    • Moving a current debt or consolidating your debt in one place
    • Picking up perks such as membership points, air miles and cashback
    • Improving your credit rating

    In addition, the advantage of spending on a credit card is that your purchases are protected under Section 75 of the Consumer Credit Act. This means that if you make a purchase valued between £100 and £30,000 and there is an issue with the product, then you can claim the money back through your credit card provider, if you are unable to do so through the company.

    Our credit card providers

    We work with a huge range of providers to give you a wide selection of financial products, ensuring you can find a credit card that is right for you.

    Each provider is screened to make sure they meet our high standards before we agree to work with them. This ensures that you can trust them as much as we do, allowing you to find the best product from a reputable source.

    Our range of credit card providers will allow you to choose between different card types including 0% balance transfer, 0% purchase, rewards, credit builder, gold & premium, travel, air miles, low rate and cashback. Our moneymatcher comparison tool will allow you to narrow down your search and pick out the right credit card for you.

    Have a look at our provider pages to see our full list of credit card providers.

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Money Guru is an unbiased comparer of loans, credit cards, mortgages, current accounts and credit reports. A man with the power to search the market in seconds, without breaking a sweat.

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