Credit card comparison

Clear information and help to find the right credit card for you.

Our credit card comparison offers:

  • Clear information about your options
  • A large selection of credit cards
  • A simple online application

See which cards you're most likely to get

Use our credit card eligibility calculator to find the credit cards you're most likely to be approved for, without impacting your credit rating. Learn more

How credit cards work?

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Credit card types

Choose the best type of credit card to suit your needs.

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0% balance transfer

Avoid paying interest on your outstanding credit balance.

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0% purchase

Spread the cost of big purchases with 0% interest.

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Balance transfer and purchases

Credit cards for combining existing debt and new spending.

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Credit building

Credit Cards designed to help you improve your credit rating.

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Cashback

Earn money back by making the most of your spending.

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Rewards

Earn points, discounts and goodies when you spend.

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Use abroad

Find deals for using a credit card abroad.

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Money transfer

Transfer money directly to your current account.

How to get a credit card?

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How credit cards can help you?

Whatever your reason for needing a credit card, there is always a type for you. And we'll help you find it.

0% balance to tackle debt

Best for... Consolidating existing debt.

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Build your credit history

Best for... Improving your credit rating.

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0% interest for big purchases

Best for... Spreading a large cost over time.

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Not sure which credit card you need?

Compare a large variety of credit cards and find the best offers for you.

How to Get a Loan with Bad Credit?

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Why use giffgaff compare?

We're here to help you take control of your money and get you financially fitter. And an important part of this is helping you find the right financial product for you.

Our compare service:

  • Take the hassle out of comparing financial products
  • Suggests products tailored to the information you provide
  • Offers clear information to help you make the right choice

giffgaff compare is a totally free service. We receive a payment if a member chooses to take out a product, but this never influences the suggestions that we give you.

Why use your credit card?

Credit cards have many uses, from allowing you to make purchases when you don’t have the money to building up your credit rating.

Credit cards are often used as an alternative to small loans or for emergencies, like home repairs, a new car, or any purchases you need tomake before you are paid.

Money spent on a credit card can be spread over a longer period of time, which can make big purchases easier to manage. A minimum amount must be paid off each month by a certain date to avoid incurring charges, so it’s advised that you set up a direct debit from your current account each month a few days before this date.

The minimum amount you’ll need to pay off depends on the credit card type and the amount you’ve spent on your credit card, and interest rates vary depending on the provider you choose. Paying off larger amounts will help to reduce the interest that will be added to the balance of your credit card and allow you to clear any debt more quickly.

Credit card users are sent a statement detailing the total balance (amount spent on the credit card that must be cleared), the minimum amount that must be paid off each month, and any interest that has been added to the balance.

How to get the best credit card details

It’s important to find the right credit card for you. There are many different types on the market each with their own specific uses. Find out which credit card suits your needs below:

0% Balance transfer

0% balance transfer credit cards are used when consolidating existing debt to reduce monthly interest costs.This type of credit card is useful when you’re struggling to manage debt across multiple credit cards and helps consolidate what you owe into a single payment. The 0% interest period will only last for a limited time, so be sure to check the terms and conditions of any credit card you apply for.

0% Purchase

These credit cards are used to reduce the interest paid on large purchases, like cars and home improvements. 0% purchase credit cards will often offer zero 0% interest on the balance of your credit card for a specific period to help you pay it off without incurring a large amount of interest.

Balance transfer and purchase

Balance transfer and purchase credit cards are a combination of the above credit cards. The terms and conditions of these credit cards vary significantly, so be sure to make a thorough comparison before choosing one.

Credit building

If you’ve had bad credit in the past and have difficulty being accepted for the credit cards that you’re interest in, credit building credit cards allow you build up your credit rating. These credit cards often have high interest rates, so are best used for small, regular payments that are cleared completely, often.

Cashback

Cashback credit cards offer financial rewards for purchases, giving back a percentage of the money spent. Cashback credit cards are well suited to people who spend money on their credit card often and will keep up to date with repayments to make the most of the cashback offer.

Rewards

These credit cards will help with building up points or vouchers which can then be applied towards things like flights, groceries, and much more. Rewards credit cards require discipline and restraint to get the most out of the points and vouchers on offer. Different companies will offer different rewards, so be sure to check the terms and conditions thoroughly to ensure that you’re interested in what’s on offer.

Use abroad

Perfect for business travel or a long holiday, ‘use abroad’credit cards can reduce international charges that usually apply to ordinary credit cards.

Money transfer

If you need to move some finances around, money transfer credit cards allow you to transfer money from your credit card into your current account. The termsof this transfer differ depending on the credit card, and there’s usually a feewhich should be borne in mind.

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Copyright ©2018 giffgaff

The giffgaff compare service for credit cards and loans is provided by Runpath Regulated Services Limited which is authorised and regulated by the Financial Conduct Authority – FRN 728244). giffgaff compare is a trading style of Runpath Regulated Services Limited. In relation to credit card and loan services Runpath Regulated Services Limited is acting as a credit broker, not a lender; The table shows a range of products from the market and this service does not consider your personal credit position. Terms and conditions apply. Finance subject to status. 18s and over.

giffgaff Limited is authorised and regulated by the Financial Conduct Authority, Firm Reference Number - 680957. Registered address – giffgaff Ltd, 260 Bath Road, Slough SL1 4DX. Company Number - 04196996.

Posts on this site reflect the opinion of the members posting only, and not necessarily giffgaff’s opinions or views. There’s a lot of information here that can help you, however, you must remember that we operate an open forum and sometimes messages that are posted are misleading, deceptive, or inaccurate. If you follow these tips, you do so at your own risk. Always do your research and check the terms.