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There are lots of credit cards on the market and it can be hard to work out what’s the right option for you.

We’ve tried to make it as simple and easy as possible for you to compare credit cards and find a great deal by putting them in categories.

Some useful information about credit cards

It’s important to remember that when using a credit card you’re borrowing money from a lender. Every month you’ll receive a statement and will be required to repay a minimum amount off the total amount owing. If you do not pay off the full amount each month, interest will be added to the outstanding balance, unless you are on a period of 0% interest rate.

There are advantages and disadvantages of having a credit card, so before you apply, consider what you’ll use it for. There are a variety of credit cards available for different types of spending, so find one that suits you best.

More information

  • Credit cards explained

    • What is a credit card?

      Credit cards are a way to purchase items on a credit basis - effectively you’re buying now and paying later. Purchasing items using a credit card is a form of money borrowing.

      If the money borrowed is not paid back within any time period set for a promotional offer, ongoing APR interest charges will apply.

      It’s important to remember that when using a credit card you will be required to pay at least the minimum amount outstanding each month, otherwise you may incur additional charges and adversely affect your credit rating.

    • How do they work?

      For most credit cards you will receive a monthly statement from the card provider informing you of the outstanding balance and the minimum payment required.

      If you choose to pay just the minimum amount and not the statement in full, you will incur interest charges on the outstanding balance.

      Every credit card is different and will offer different interest charges. For some cards you get a set period of time where you are not charged interest on a new purchase or balance transfer, for others there may be a lower, ongoing APR from the outset.

    • Which is right for you?

      When looking for a new card, it’s worth considering how you plan to use it. Perhaps you’re looking to move an existing credit card balance and are interested in a 0% balance transfer credit card.

      Maybe you're looking to cover a new purchase where a 0% new purchase credit card would provide this offer for a set period of time. If you pay your balance off regularly, maybe you want to secure the added benefit from your credit card of earning rewards or cashback.

      Everyone is different - comparethemarket.com can help you compare the wide range of credit cards on offer.

    • Why compare with comparethemarket.com?

      That’s simple, we’ve made it as quick and easy as possible for you to compare and find a credit card which is right for you.

      You could save up to £620^ when switching your credit card through comparethemarket.com to a 0% balance transfer card – not bad for a second’s work. Let’s start comparing!

      ^Based on 19.92% of our customers who used the balance transfer slider, at a rate of 17.9% APR and a balance transfer amount of £2,000 from 1st January – 14th February 2012, could save up to £620 by switching their credit card balance to a 0% balance transfer card.