Compare credit cards

From balance transfer cards to 0% purchase deals, we have a range of credit cards that can help you reach your finance goals.

  • Protected: won’t harm your credit score
  • Clear: see pre-approved options
  • Fast: response in 60 seconds

Find the credit card that’s best for you

Credit cards needn’t be confusing. That’s why we let you know what each of our credit cards is best for in your search results. That way, you can quickly and easily compare your options and decide which card is right for you.

myfreedom credit cards screen on a mobile phone

Quickly see your credit card options

Save time checking your eligibility with us

myfreedom is our free-to-use portal that can help you:

  • Check your credit card options quicker
  • Discover how card providers really see you
  • Find out which credit card is right for you
  • Strengthen your finances

No catch, no cost, no impact on your credit score.

Getting to know credit cards a little better

How does a credit card work?

A credit card gives you access to a line of revolving credit. When you get a credit card, you’ll be given a credit limit (maximum spend). You can spend up to this amount on your credit card.

You’ll need to make at least the minimum monthly repayment on your credit card each month, or pay the balance off in full. If you don’t pay the balance off in full each month, you’ll be charged interest on your remaining balance. If you do clear your entire balance on or before your repayment date, you won’t be charged interest on your spending.

What are the benefits of having a credit card? Find out in our blog posts.

How is my credit limit decided?

The credit limit you are offered will depend on your credit history and personal circumstances. This means it could be lower than the maximum credit limit available.

How is my APR decided?

The APR you are offered depends on both the credit card you are eligible for and your credit score. Some credit cards will have a set APR. Others may have a range of APRs which vary depending on your credit score and personal circumstances. In this instance, the better your credit score, the lower the APR you are likely to be offered. For more information, we have written a full guide on Annual Percentage Rates explained. You might also like to know what an APR stands for.

What is a 100% pre-approved credit card offer?

If you are 100% pre-approved for a credit card, it means that subject to final lender and fraud checks, you’ll definitely be accepted by the credit card provider if you apply. We show you this information so that you know which card options you’re most eligible for and to help reduce the chance of a credit decline being recorded on your credit file.

Can I have more than one credit card?

Yes, you can. If you already have a credit card, you can apply for a new card to take advantage of its different features and benefits, such as balance transfers or 0% on purchases.

Can a credit card improve my credit score?

Yes, if you make at least the minimum repayment on your credit card each month, your credit score could improve over time.

What happens if I miss a monthly repayment?

If you don’t make at least the minimum monthly repayment, this will have a negative impact on your credit score. Missed repayments can remain on your credit report for up to seven years, so it’s important you don’t borrow more than you can afford to pay back.

How long will it take my card to arrive?

This will depend on your credit card provider, but usually it takes between seven to ten working days from the date you were accepted. Your PIN will arrive separately from your credit card.

How long will it take for my PIN to arrive?

This will also depend on your credit card provider. Your PIN will usually arrive separately from your credit card.

What is a balance transfer card?

A balance transfer card allows you to transfer a balance from one credit card to another. Balance transfer credit cards often come with 0% interest for a fixed term, for instance the first four months of you owning your credit card.

This means that you can transfer the amount you owe from another credit card (usually for a fee), and not pay interest on the balance for the 0% period. This can give you more time to pay off what you owe without your debt increasing. When your 0% period comes to an end, the card’s usual interest rate will apply to any remaining balance.

What is a 0% purchase card?

A 0% purchase card allows you to spend on your credit card without being charged interest for the 0% period.

This means that if you wanted to spread the cost of a big purchase or a number of small purchases, you could make the payments on your credit card, then pay it off in monthly instalments before the end of your 0% period.

Just remember that once the 0% period ends, the card’s usual interest rate will apply to any remaining balance.

What is a cash advance?

A cash advance is a service provided by most credit card companies that allows you to withdraw cash from an ATM or at your bank using your credit card. Your cash advance limit may be different to your card’s credit limit and the APR you are charged may be different to your card’s usual APR. You’ll be charged interest on a cash advance from the moment you borrow the money to until it’s repaid.

How do I cancel a credit card?

To cancel a credit card, you’ll need to have cleared the balance. Once the balance has been cleared, get in contact with your credit card provider and let them know you want to cancel your card.

Simply not using the card will keep the account open, so it’s important you contact your credit card provider if you want to close it.

What’s the difference between a personal loan and a credit card?

With a credit card, you have access to a line of credit which you can spend up to a certain limit each month. Once you repay what you owe, that amount is available to you again. You are only charged interest on your borrowing if you don’t repay what you owe in full when your bill is due. There are many different types of credit cards that have different features and benefits. These range from helping you spread your costs, clear existing credit card debts or giving you rewards for your spending.

With a personal loan, you borrow a fixed amount off a lender and pay it back in monthly instalments plus interest over the term of your loan. Once you’ve repaid your loan in full, you will have cleared your debt. Interest is applied to the amount you borrow over the whole term of your loan, so you will have paid back more than you borrowed at the end of your term.

What does score booster mean?

Score booster is our term for credit builder products. It refers to a product that you can use to help give your credit score a boost. With a score booster or credit builder card, when used little and often and repaid in full each month, it can improve your credit score over time.

Our blog

5 benefits you could be missing out on

Not sure if you’re entitled to extra income from the government? Well, you’re not alone. Each year, around £15 million…

Learn more about 5 benefits you could be missing out on

How to claim flight delay compensation

Flight been delayed or cancelled? Well, you might be able to claim back compensation. To help you work out what…

Learn more about How to claim flight delay compensation

What is a Lifetime ISA?

If you’re between the ages of 18 and 40, you have the option to set up a Lifetime ISA (LISA)….

Learn more about What is a Lifetime ISA?

Guides

Joint loans for couples: Can you apply for a loan with your partner?

Can I make a joint application? Of course, you don’t have to tackle everything alone in life, especially with opportunities…

Learn more about Joint loans for couples: Can you apply for a loan with your partner?

Holiday loans: Are they a good way to finance travel?

From paradise island escapes to exciting urban adventures, there’s nothing better than a well-deserved holiday to melt life’s troubles away….

Learn more about Holiday loans: Are they a good way to finance travel?

Buying a second home: Our guide for second property buyers

Whether you’re looking for a holiday retreat, or want to bolster your income with a buy-to-let, buying a second home…

Learn more about Buying a second home: Our guide for second property buyers