Credit Card Comparison
Compare your options and choose the right credit card for you
Check your eligibility and find out which credit cards are available for your circumstances
We are a credit broker, not a lender.
Compare Credit Cards
There are a number of credit cards on the market, all offering something a little bit different to suit an array of needs. Sometimes, it can be hard to know where to start when searching for the right credit card to suit you and your personal circumstances.
That's when it can be useful to use a credit card comparison site, such as Compare Credit Cards. We do the hard work, so you don't have to.
Let Compare Credit Cards narrow down the search with one simple eligibility check form. In 60 seconds, we'll show you credit cards you could be eligible for with no impact to your credit score.
Which credit card is right for me?
Let’s take a look at some of the different types of credit cards.
Who is this credit card for?
An all-rounder credit card could suit a variety of needs.
How it works
These cards generally come with introductory low interest rates on both balance transfers and new spending.
Things to consider
Before you apply for an all-rounder credit card, be sure to check exactly how long any introductory offer(s) last, and how much interest you will be charged once the promotional period ends.
What should I consider before applying for a credit card?
Before you apply for a credit card, you should carefully consider the monthly repayments. You will need to pay at least the minimum amount shown on your credit card statement each month by the payment due date.
If you're late making your repayment, or you don't make a payment at all, you could be charged a late payment fee. You could also lose access to any promotional interest rates, offers, or rewards on your account.
Your credit card provider will report any late or missed payments to the Credit Reference Agencies (CRAs). This could impact your credit score, which could make it harder to access credit should you need to in the future.
When you compare credit cards, think carefully about what exactly you want from a credit card account. Take your time to compare different Annual Percentage Rates (APRs), standard interest rates, and any promotional offers you might be eligible for.
Will my credit score affect my credit card application?
Your credit score is one of the first things lenders look at when you make an application for any type of credit.
Having a good credit score could increase your chance of being accepted for a credit card.
It's not impossible to get a credit card if you have a less-than-perfect score; however, you may be offered a product with a higher interest rate, or a more manageable credit limit.
When you apply for a credit card, the lender will run a hard credit search as part of the application process. This will be visible on your credit file. Too many applications in a short space of time could affect your score.
Why use Compare Credit Cards?
Credit card comparison sites, such as Compare Credit Cards, check your eligibility using a soft credit search. A soft search will not affect your credit score, and is only visible on your credit report to you.
How does it work?
Here at Compare Credit Cards, we appreciate that your time is precious. Researching and applying for credit cards can be mind-boggling, so we've made our Eligibility Checker as straightforward as possible.
Fill out our online Eligibility Checker, which should take less than five minutes.
Hang fire. We'll be back with you in just 60 seconds. We're busy behind the scenes, running a soft search on your information and scanning our panel of credit card providers.
If we've been able to find you one or more suitable matches, we'll show you your options. We'll provide some useful information about each credit card and let you know how likely you are to be approved.
Have you found 'the one?' You can click through to the credit card provider's website to make a full application. The provider will need to run some additional checks, including a hard credit search, before making a decision.
If you have been pre-approved for a credit card this does not guarantee that you will be accepted. Your application will still be subject to a full credit check.
If we are not able to match you with a credit card, we may show you alternative credit products you could be eligible for, such as an unsecured loan. You are under no obligation to apply for any credit product if you do not feel it is suitable for you and your circumstances.
Frequently Asked Questions
APR stands for Annual Percentage Rate and refers to the annual cost of borrowing. The APR represents the rate of interest that 51% of customers are offered; you may be offered a higher or a lower rate of interest depending on your personal circumstances and your credit history.
You won’t pay interest on your credit card balance if:
- You pay the balance of your account in full every month; or
- You have a credit card with an introductory interest-free period - for example, if you have a 0% balance transfer or 0% purchase offer. Once the promotional period for your offer expires, any outstanding balance will be charged at the standard interest rate.
Circumstances change; we understand that. If you find that you are no longer able to keep up with your repayments, you should speak with your credit card provider as soon as possible. They will want to work with you to find a solution.
You might also want to talk to an independent debt advisor in confidence about any concerns you're having. You can access free, impartial advice at MoneyHelper and StepChange.
Digitonomy Limited trading as Compare Credit Cards is not a lender but is a fully regulated and authorised credit broker which introduces borrowers and lenders for the purposes of entering into consumer credit agreements.
Compare Credit Cards does not charge customers a fee for using its broker services, but it receives a commission from lenders or other brokers if a customer enters into a consumer credit agreement with a lender or broker following an introduction through this website.
Compare Credit Cards will provide every effort to present you with Credit Cards you may be eligible for. If we are not able to do this, we may present you with alternative credit products. You are under no obligation to proceed with these if you feel they are not suitable for your circumstances.
Compare Credit Cards is a registered Trading Name of Digitonomy Limited, Registered in England and Wales (Company number 08385135), Registered Office; Steam Mill Business Centre, Steam Mill Street, Chester, Cheshire, CH3 5AN. Digitonomy Limited is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference number: 690249. Licenced by the Information Commissioners Office, (registration number ZA007309).
Our service is available to over-18s only, subject to status, UK residents only © Compare Credit Cards 2024