Choosing a Credit Card

Choosing a credit card can be a daunting task, with talk of APRs, Balance Transfers, cashback, interest rates, minimum monthly payments etc. No wonder so many people choose a card that is not the most appropriate one for them. Our guide to choosing a credit card provides a clear and simple way to ensure that you select one that is a good match to your personal circumstances. It also shows where it may be sensible for you to have more than one card, because there is no one size fits all when it comes to credit cards. In particular, anyone choosing to use a Balance Transfer card must not use it for making any further purchases and should choose a separate card for that purpose.

To find which card or cards is right for you, use our Card Selector Chart below. Answer the questions "Yes" or "No" and follow the appropriate arrows. These will lead you to further questions and clickable red "Action" boxes. Some Action Boxes have a "Continue" arrow which you should also follow.