How to compare credit cards – a guide to using our site

If you’re looking for a new credit card, it’s a good idea to compare your options carefully to make sure you get one that’s right for you.

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The quickest way to compare a number of different credit cards in one place is with our Eligibility Checker tool.

All you’ll need to do is enter a few details about yourself and not only will you be able to compare a range of cards, you’ll be able to see the ones you’re most likely to be accepted for. Using our Eligibility Checker won’t harm your credit score.

You can then choose the card that matches your needs best.

Let’s take a closer look at how to compare cards on MoneySuperMarket.

1.     Pick the credit cards you would like to compare  

Before you start to compare cards, ask yourself what type of credit card best matches your requirements.

The main cards on the market include:

  • 0% balance transfer cards: these allow you to transfer over existing card balances and avoid paying interest for a set time (a fee usually applies)
  • 0% purchase cards: these allow you to spread the cost of purchases interest-free for a number of months
  • 0% balance transfer and purchase cards: this type of card is a good option for transferring a balance and spending interest-free
  • Credit builder cards: these are designed to help you improve your credit score
  • Reward cards: these let you build up rewards every time you spend on them
  • Low APR cards: this type of card can be a good way to reduce the amount of interest you’re paying on an existing card balance
  • Cards to spend abroad: these are designed specifically for spending while you’re away

Representative example: If you spend £1,200 at a purchase rate of 19.9% p.a. (variable), your representative rate will be 19.9% APR (variable).

Once you’ve decided which type of card meets your needs best, click on the “Find a card” button on the “credit card” section of the site and select the type of card you’re after, or select “Show me everything” to compare all options.

2. Enter a few personal details

Next, you’ll be asked to enter some personal details including:

  • Your name
  • Your date of birth
  • Your marital status
  • Whether you own your home or rent
  • Your address
  • Your yearly salary
  • Any other household income
  • Your mortgage/rent amount
  • How many dependants are in your home, if any
  • Any childcare costs
  • Your email address so we can contact you

We need this information so we can show you the credit cards you’re most likely to be accepted for.  The information is secure and filling it in will not affect your credit rating.

3. View your results

Once you’ve done that, you’ll be able to see a full list of all the results suitable to you. Results will be ordered by eligibility, so those you are most likely to be accepted for will be at the top. How likely you are to be accepted for each card will be expressed as a score out of 10 and is colour-coded red, amber and green.

However, if you prefer, you can sort the results by:

  • Lowest cost
  • Fees
  • Interest-free deal

All the credit cards are listed along with important information such as how long a 0% deal will last, what the APR will be after this, what the balance transfer fee is, any annual fees, and what the typical credit limit on the card is.

Once you’ve seen a card you’re interested in, you can click to see its full details, and if you think it’s suitable for you, visit the provider’s website.

4. Find the right card for you

The type of credit card you pick will depend on your own circumstances.

If you are choosing a 0% balance transfer card, for example, you need to look at how long the 0% deal will last for, and what kind of fee will be applied to transfer your balance. Similarly, for interest-free purchases, look at how long the 0% deal lasts.

Alternatively, for a reward card, it’s a good idea to choose the card with the most relevant rewards for you – for example, if you travel a lot, you might want to choose a card that offers airmiles. Also take note of any fees that may apply.

Whichever card you choose, you need to make sure you’re able to afford it, either by paying it off in full each month, or by clearing the balance before any 0% offer ends and interest kicks in.

If you are unable to clear your balance, pay close attention to the interest rate to see how much you’ll be paying for the card.

 

All credit cards are subject to status and terms and conditions. Over 18s, UK residents only. Terms and conditions apply. See MoneySuperMarket.com for further information.

MoneySuperMarket is a credit broker - this means we'll show you products offered by lenders. We never take a fee from customers for this broking service. Instead we are usually paid a commission by the lenders - though the size of that payment doesn't affect how we show products to customers.

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