A selection of the best credit cards that are exclusive to MoneySupermarket. Save money with fantastic rates on balance transfers and purchases, and enjoy benefits such as reward points and worldwide usage free of charge.
Exclusive Credit Cards
Credit cards are a really convenient method of payment. What's more they enable you to spread the cost of purchases if you can't afford to pay for them in full.
However, with hundreds of different cards to choose from, how do you know which is right for you?
What type of card is best for me?
There isn't a single credit card that is perfect for every individual so before you apply think about how you'll use the card:
Are you looking for a card to spend on and if so will you be able to clear your balance in full each month? Maybe you've already got an outstanding debt on another card and are looking to make a balance transfer, but do you want to spend on the card as well? These are all vital questions which will help identify the best card for your needs.
How credit cards are used
There are basically three ways of using a credit card: straightforward purchases, moving an outstanding debt over from another card (known as a balance transfer), and withdrawing money from a cash machine.
If at all possible, try to pay off more than the minimum each month - otherwise it could take years to clear your debt.
It’s a good idea to pay by direct debit - that way you will always pay on time and avoid incurring a late payment fee.
It may be tempting, but try not to use a credit card to withdraw cash from an ATM - you'll probably be charged a higher rate of interest than on purchases and this will be charged from the day you make the withdrawal. You'll also be hit with a withdrawal fee.
Keep an eye on your spending and make sure you stick within your agreed credit limit.
It's well worth using a credit card for purchases of £100 or more because you have greater protection than if you pay with cash or a debit card. Under Section 75 of the 1974 Consumer Credit Act credit card issuers and retailers take joint responsibility for faulty purchases. This applies to purchases between £100 and £30,000. If the retailer goes bust or the goods are faulty when they arrive you can claim a refund from the card provider.
Your personalised chance of approval
We’ve taken the details you gave, and used them to show you personalised scores to tell you the chance that your application for each card would be successful.
Why is this important?
Every time you apply for a credit card, a mark is left on your credit score. That means it’s better to get it right first time. Your scores help you understand which cards you have the strongest chance of getting.
The higher the score, the stronger chance you have of getting the card. If you see a very low score, you’ve probably better off choosing a different card.
- Consider a different card
- Not eligible
- Your chances are good
- You've been pre approved
If you see a high score, you can be fairly confident. The scores aren’t a guarantee, as acceptance of your application is at the sole discretion of the card issuer, but they should help guide your choice.
In some cases, we will not be able to display a score for a product because we do not have enough information about the card issuer’s acceptance criteria or we have not been able to match your details at the credit bureau.
We work closely with our partners to improve our eligibility scores for all products that are of interest to you.