Choosing the best credit card

Choosing the right credit card is all about knowing how you intend to use it and what you want from it. If you have a low credit score, some providers cater for people with poor credit ratings. If you are unsure about your credit rating, you can always check your credit rating online.

If you are not struggling with credit card debt and you are able to pay your balance off in full most of the time, then a cashback credit card or rewards credit card is probably the best option for you. Don’t use a debit card, especially for larger purchases as you don’t get the same protection as a credit card and you could be losing out on valuable rewards, like hotel points, airmiles, cashback or vouchers which can be used in stores.