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How to compare credit cards

To help you select the best card there are a number of information sources from which you can make a comparison. These can provide helpful starting points and may help you develop a shortlist of cards that might be right for you.

Where you can find out more:

  • Comparison guides and advertising in newspapers, online and magazines
  • Credit card brochures, which can be picked up at bank branches. You may also receive information direct from credit card companies in the post.

Also consider:

  • Using comparison guides and sites on the internet. Be aware that not all comparison guides are completely independent and may be sponsored in some way to recommend certain products over others. They also may not feature all card companies – so there may be better cards out there for you.
  • Always double-check product features and terms and conditions with the credit card company.
  • Many credit card companies offer incentives and benefits for using their cards. It is worth comparing what is available and what incentives appeal to you.

Use our handy credit card comparator tool below to help you compare the features of any credit cards that you are considering.

Once you have a shortlist you can start to look at the summary boxes that appear on all credit card marketing material (including online) for each credit card to get a concise summary of the cards’ main features.

The summary box is always in the same format – allowing you to compare products simply and easily. Ask the card companies for information packs on each credit card you are interested in and in each pack you will find a summary box.

Before finalising your choice, you will always have at least one opportunity to review, in full, the terms and conditions of the credit card. We recommend that you always do this. You will be sent another copy of the terms and conditions of your credit card with your new card. Keep these terms and conditions in a safe place. We recommend that you also use this opportunity to ensure that you fully understand your rights and responsibilities.

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