Be careful when overseas: Many credit cards charge foreign transaction fees when you use your credit card abroad. So if you end up carrying a balance from month to month (particularly if you regularly make just the minimum required repayment), the costs of running the card can mount up. You can later withdraw or use it to pay back your credit card balance. Why it’s the best credit card for 0% APR: The Chase Freedom Unlimited is one of the best cash-back cards around because of its low cost and flexibility, but the card also comes with a solid 0% intro APR offer. The card details on this page have not been reviewed or provided by the card issuer. Always consider your own circumstances when you compare products so you get what's right for you. However, there are potentially other areas you will need to take care of before you even apply for a credit card to reduce your chances of being rejected. For those folks, there are plenty of no-annual-fee credit card choices on the market today. Money transfer credit cards are a way of moving cash from a credit card to your current or savings account. You’ll have 15 months of 0% APR on new purchases (regular variable APR of 14.99%-23.74% applies after the intro period ends) to help you finance large purchases or pay down debt. Founded in 2006, Finder has been comparing credit cards for more than 13 years. View our latest valuations here. We asked cardholders to rate their satisfaction with service, and whether they’d recommend their card issuer to a friend. Citi also recently added the ability to convert Double Cash rewards into ThankYou points when you also have an eligible Citi ThankYou credit card. If you — like me — have been spending more on grocery runs during 2020, you know those bills can add up. It also shows you their interest rates, so you can compare cards to make an informed decision. They will also ask a few financial questions, such as your income, your occupation, and how long you have lived at your current address. If you have the Wells Fargo Visa Signature card (another no-annual-fee credit card), you could even get up to 1.75 cents per point of value when you redeem through the Wells Fargo travel portal. It will be the one that typically determines (and pays for) credit card rewards and benefits. You are about to post a question on Level 2, 20 St Thomas St, An accessible and easy-to-use card that rewards your everyday spending with cashback. On the other hand, lower-budget businesses may have a hard time justifying the $295 annual fee (see rates and fees). Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. The charge will depend on your current offer thereafter. This means Visa and MasterCard are accepted virtually everywhere, whereas American Express is less common. Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable). Terms apply, 22 months 0% on balance transfers (3% transfer fee), 12 months 0% on money transfers (4% transfer fee). And because you’re earning a flat 2x on every purchase, you know you’re getting value no matter the spending category. We’ve compiled a list of some of the best pet insurance providers for cats. The TSB Student credit card offers slightly higher credit limits than most of its competitors, while still having no annual fee and a relatively competitive interest rate. See, The Business Platinum Card® from American Express, Choosing the best American Express credit card for you, 5 reasons to get the Capital One Venture Rewards card, A record-high 60k welcome offer: American Express Gold card review. Offer Expires 12/10/2020, Capital One® Venture® Rewards Credit Card, Earn 100,000 bonus miles when you spend $20,000 on purchases in the first 12 months from account opening, or still earn 50,000 miles if you spend $3000 on purchases in the first 3 months. For rates and fees of the Blue Cash Preferred, click here. Earn 3X Membership Rewards® points on flights booked directly with airlines or on How to find boiler cover for your buy to let. I would like to subscribe to The Points Guy newsletters and special email promotions. The TPG team has spent hours researching the best offers and compiling our top options — some from our partners and some not — to help you compare. When you compare credit card offers, remember that these are one of the best credit cards for people who have a good credit history. This is why it's always important to compare credit card deals to ensure you are getting the best rates. That annual fee... it's not small. Although they don’t sound like much, they can add up to a big saving over time. may also receive compensation if you click on certain links posted on If you’re just looking for money in your pocket, you’ll likely want a cash-back credit card. Representative Example: The standard interest rate on purchases is 9.94% p.a. Coronavirus payment holidays on credit cards and loans to be extended by six months, Best bank accounts for arranged overdrafts. The charge will depend on your current offer thereafter. ALL RIGHTS RESERVED. While we are independent, we may receive compensation from Plus, if you're anticipating some additional spending, there's a 3-month 0% deal on purchases too. You can use Capital One miles to offset a number of travel (and temporarily some non-travel) purchases at a fixed value, or transfer them to any of Capital One’s travel partners, making the miles you’ll earn with this card infinitely flexible. Cashback credit cards reward you for spending in the form of pounds or credit on your account.