Tuesday 16 December 2008
Telegraph.co.uk
Credit Cards

23 ways to find the best credit card – compare 300+ cards

*If you’ve built up an ongoing debt at the standard rate (up to 30% on store cards!) then transferring your balance to another card can save you £££s and this way you can also find cards that will give you a great rate on future purchases.
*Use a card that rewards your spending.
*If you're in the habit of repaying your card in full or you repay a large chunk of your balance every month then a low standard rate can save you money in those months when you do choose to carry some spend forward.
*Find the best card for your holidays.
*If you're a regular spender but rarely clear your balance from month to month then cards with an introductory purchase rate are a wise choice. Many cards offer attractive 0% deals & you can use them for large one-off purchases you can't pay for immediately.
*Compare credit card designs and find the one that best reflects your personality!
*If you regularly use your card for purchases & usually clear your balance in full each month then why not earn as you spend? Cashback schemes reward your spending & are ideal for household shopping and petrol purchases.
*Adverse payment history, CCJs: It can be difficult to get a credit card if you’ve no previous credit history, have CCJs or defaults, have changed addresses frequently or are self-employed. We can give you access to card issuers who can help in these circumstances. Best credit card designs: Compare credit card designs and find the one that best reflects your personality! Business Cards: Business cards are available as either charge cards or credit cards and they typically offer a range of benefits for the business user. Charge cards must be repaid in full each month but credit cards provide an ongoing credit facility. Charge Cards: take advantage of a range of benefits. Charity Cards: Contribute to worthy causes. Entire Card Listing (alphabetic): See all the credit cards on our database listed here in alphabetical order. Longest interest-free period: postpone paying that debt for as long as possible. Loyalty: Use a card that rewards your spending. Offbeat: go on, express yourself! Prestige: the ultimate plastic. Purchase Cover: protect your purchases against loss, theft & damage - at no extra cost to you. Sports: show your support. Student & Graduate cards: Take advantage of a low credit limit and a package of benefits designed to suit your lifestyle, including discounts on books & travel.
*It can be difficult to get a credit card if you've no previous credit history, have CCJs or defaults, have changed addresses frequently or are self-employed. We can give you access to card issuers who can help in these circumstances.
*Search by Provider if you already know which credit cards you want to view.
*If you’ve built up an ongoing debt at the standard rate (up to 30% on store cards!) then transferring your balance to another card can save you £££s in interest charges. Low rate, long term deals are plentiful - including many 0% offers.
*See how much you could save if you transferred your current balance to a card which offers a great rate for the life of the balance.
*Prepaid cards are like credit cards without the credit. You load money on to a card either by telephone, over the internet or face-to-face and then you can use it to buy things from retailers and online merchants in the UK or abroad. It can even be used to pay your bills and top up your mobile phone, and you can withdraw cash from millions of cashpoints around the world.
*All Balance Transfer Cards (no fee): If you’ve built up an ongoing debt at the standard rate then transferring your balance to another card can save you £££s in interest charges. Many credit card issuers now charge a handling fee for balance transfers - but you can see the ones that don't here.
1. Select the type of card you wish to compare:
2. Select the type of search:
 
 
All available products within your chosen category
Beat the credit crunch and increase your chances of being accepted. Find the best cards based on your credit profile.


Best selling credit cards you can apply for now

Balance Transfer
 Card Rate Duration BT Fee Typical APR 
 Virgin Credit Card  0%  16 mths  2.98%  16.6%Apply
 Capital One Fixed Rate Card  8.5%  Until 01/08/2012  0.0%  8.5%Apply
Balance Transfer & Purchases
 Card BT Duration Intro Duration APR 
 Virgin Credit Card  16 mths  6 mths  16.6%Apply
 Capital One Low Rate Balance Transfer  Until 01/01/2011  Until 01/06/2009  15.9%Apply
 Capital One Low Rate Platinum  Until 01/01/2011  Until 01/06/2009  15.9%Apply
 Capital One Fixed Rate Card  Until 01/08/2012    8.5%Apply
Low Standard Rate
 Card Typical APR Interest Free Days BT Fee 
 Capital One Fixed Rate Card  8.5%  56  0.0%Apply
Cashback
 Card Cashback Notes 
 American Express Platinum Cashback  5% cashback for 3 monthsApply
Low Credit Score
 Card Typical APR Interest Free Period 
 Capital One Classic  34.9%  56Apply
 Monument  34.9%  56Apply
 The Vanquis Visa Card  39.9%  56Apply

Credit Card Guide

Looking for cheap credit cards? Credit cards are a convenient method of obtaining credit and when used properly they can provide flexibility and a range of useful benefits for the cardholder. Our three step guide to credit cards will offer tips on how to make a fair credit card comparison, avoiding credit card debt and how to apply for a credit card online.

PrePaid Cards Guide

Check out our straightforward guide to prepaid cards to find out the essential facts about these new card products. We’ll tell you about the pros and cons of prepaid cards, who provides them, how to use them and which card type is right for you. If you’re thinking about applying for a prepaid card then our guide will help you make the right choice.

Poor Credit History

If you have a poor credit history or are having trouble getting access to the best credit cards, then perhaps you should consider a ‘bad credit’ credit card. Our online tool compares cards from providers such as Capital One.

Rate Alert

Sign up for our free Rate Alert Service which keeps you up to date on the latest best sellers with articles from our team of experts.