Do you have a good credit history? This is important because credit card companies consider your credit history when they decide what interest rate and interest-free period to offer you. Plus, there are specific cards available that can help to build up your rating if your history isn’t great.

Do you want to transfer a balance from another card? There are lots of credit cards out there that are specifically designed for moving your existing balance from your old card to a new one, without paying any interest for a set period of time, so this could be a good option for you.

Do you plan to use your new card for spending? If you want to use the card for a major purchase, or for everyday spending, look out for cards with low interest rates, or interest-free periods on purchases.

If you’re not sure which type of card you should go for, you can use our handy tool can help you choose. Just answer a couple of short questions and we’ll show you which type of card is the best fit for what you’re looking for.