Standard credit cards

Credit cards are the most flexible source of unsecured credit available. Introductory 0% purchase and introductory 0% balance transfers offers are available, as are cards offering cashback, airmiles, shopping rewards and points schemes.If you repay the entire balance in full, and on time, every month you should not incur any interest charges.

Most cards will have a minimum repayment amount (typically 2-3%) but bear in mind that if you only repay the minimum each month it may take you decades to clear the balance. As the credit card market seems to offer more rewards to new customers than to existing ones if you have a good credit rating it is to your advantage to change your credit card on a regular basis.

Our credit card guide will help you to choose the credit card which best suits your needs.