Compare credit cards without harming your credit score
Compare credit cards you're eligible for from some of the biggest brands in just minutes.
Why use Compare Credit Cards?
To put it simply we compare credit cards
At Compare Credit Cards our goal is to match you to the cards you can get, taking the guesswork out of applying for your next credit card. We do this with our intelligent matching service which has no impact to your credit score and best of all, it only takes minutes to complete, why wouldn’t you compare?
Helping you find the right card for you
Check your
chances
We take out the guesswork of finding your next card, we show you how likely you are to be accepted for your cards.
We use bank
level security
Your personal details are kept safe and secure, meaning you can concentrate on finding the right card.
Checking won’t affect
your credit score
Seeing what credit cards are available to you doesn’t have any impact on your score.
It’s incredibly
quick
Checking to see what cards you have only takes 2 minutes using our quick form.
How will I know which credit cards are best for me?
Each card matched to you has a bespoke score, personalised to you
Sometimes finding the right credit card can feel like trying to find a needle in a haystack. There’s so much choice and applying for cards at random could damage your credit score. With our intelligent matching service we can tell you your chances for each card you're matched to, before you apply. All it takes is a couple of minutes of your time!
Looking to transfer a credit card balance?
Transferring a balance could save you money each month and allow you to pay off the outstanding balance sooner.
We’ve estimated you could save:
£X,XXX
We’re assuming your current credit card has an APR of 19.9% and your new card is a 0% Balance Transfer card with a 3% transfer fee.
How do we find the right card for you
Enter your details
Share some details in our simple 2 minute form.
We’ll process your details through our intelligent matching service
Our highly intelligent system will match you to the right cards for you with no impact to your credit score
Sharing your results
Within seconds you’ll then see all your eligible cards, with your chance of being accepted for that card.
Whatever card you’re looking for, we can help
Balance transfer cards
These cards provide the opportunity to move existing debt from one card provider to another.
Credit builder cards
Typically, these cards have low credit limits and high interest rates and are designed to help people build their credit rating.
Purchase Cards
These cards could be a cheap way to spread the cost of a purchase and can offer interest free periods.
Rewards cards
A rewards card can offer benefits for using it such as earning cashback, receiving in store discounts or collecting air miles per transaction.
Low interest cards
By charging less interest, these cards are designed to help save money on purchases and existing card debt.
Balance transfer and purchase cards
This card type offers the ability to move existing debt from one provider to another and continue to purchase at a low rate or 0% interest.
We’re cutting through the confusing jargon filled world of credit cards
Credit cards are confusing
Representative APR
Balance Transfer rates
Purchase rates
Incentives
Minimum payment
We’ve all been there, credit cards are confusing!
Have you ever found yourself staring at a bunch of credit cards offering different rates for Balance transfers and Purchase rates cards? Then some referencing the Representative APR’s with no idea how it all comes together? We want to help demolish the walls stopping you from finding the best credit cards for your needs.
We’ve all been there, credit cards are confusing!
Have you ever found yourself staring at a bunch of credit cards offering different rates for Balance transfers and Purchase rates cards? Then some referencing the Representative APR’s with no idea how it all comes together? We want to help demolish the walls stopping you from finding the best credit cards for your needs.
What is the elusive Representative APR?
Every credit card has them and you will see them appear continually on your credit card journey. The Representative APR (also known as REP APR) is the annual rate of interest that you pay on any amount borrowed on a credit card. The lower REP APR is usually better. When you apply for a credit card you could get a different REP APR than advertised, at least 51% of people who apply will get the advertised rate. When you apply for a card, always double-check the rate you\'re offered.
Balance Transfer rates and why they are useful
If you already have another credit card with an outstanding balance transferring it to another credit card could be a good way to reduce your monthly outgoings and pay off your credit card quicker at a reduced Representative APR (REP APR).
Check if there\’s any fees for transferring and try and make use of credit card offers with no fee’s and reduced REP APR’s.
What’s a Purchase Rate when it comes to credit cards?
Have a big purchase coming up or want to do your shopping without worrying? Then a Purchase Rate could be the right card for you.
Incentives and what they mean to you
To go alongside a great credit card, some companies will offer gifts to sweeten the deal. These are usually gift cards and can look great, but make sure you check other credit cards offered to you, these could offer you a better deal in the long term.
What’s a credit card’s minimum payment?
To put it simply, the minimum payment is the minimum you can pay each month to avoid paying late fees and risk damaging your credit score.
Once you’ve started to use your credit card and received your credit card statement each month you should see all your transactions, as well as how much you owe and the minimum amount you can repay each month.