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Helping you make the most out of your money

Helping you make the most out of your money

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Loans & Credit Cards

Loans & Credit Cards

Best credit cards for earning rewards

Credit cards

Our best credit cards for earning rewards

A reward credit card can let you earn cashback or other rewards when you spend. We list our pick of the best reward credit cards to help you decide if one is right for you.

Credit cards

The best travel debit and credit cards to use abroad

Avoid hefty fees when you spend abroad with a top travel card.

Credit cards

Our best 0% credit cards

If you need to borrow for a major, one-off purchase, using a 0% credit card can save you money on interest.

Credit cards

Our best balance transfer credit cards

If you have credit card debt, shifting it to a balance transfer card charging no interest for a set period of time could be a good way to save money and clear your balance more quickly.

Credit builder credit cards

The best credit cards for poor credit

You may want to consider a credit builder card if you’ve struggled with debt in the past and want to rebuild your credit score or if you’ve got no credit history at all.

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Loans

Should I get a personal loan to build credit?

If you have a somewhat chequered credit record you might wonder about using a personal loan to build your credit score.

bank loan or credit card

Loans

Should I take out a bank loan or credit card?

Bank loans and credit cards are two ways to borrow money, but they are very different products.

pay day loans pros and cons

Loans

Payday loans - a bad idea?

Payday loans are a form of unsecured high-cost credit which can often be secured on the same day that you apply.

Klarna

Dealing with debt

Best buy now, pay later apps: the pros and cons

Despite Buy Now, Pay Later becoming a popular way to spread the cost of a purchase, it comes with possible pitfalls.

Credit score

Your credit score explained, and why it might be low

Your credit score is effectively your financial CV. It helps lenders decide whether to give you money and at what rate

Credit score

Your credit score explained, and why it might be low

Your credit score helps lenders decide whether to loan you money and at what rate.

First-time buyers

Can I get a mortgage with bad credit?

Trying to get a mortgage if you have bad credit can be difficult. We outline the mortgage options for people with poor credit history.

Dealing with debt

repay debts or save

Dealing with debt

Should I repay my debts or save?

Saving money for the future can make you feel that you’re in control of your finances and doing the right thing.

how to consolidate debt

Credit cards

How to consolidate debt

If you are struggling with a substantial amount of debt, you may feel like there’s no way out. But one option could be to consolidate. We explain different debt consolidation options.

What happens to debts when you die?

Wills & future planning

What happens to debts when you die?

Debts aren’t inherited but are paid off out of your estate when you die. We explain how it works.

Loans & Credit Cards

There are lots of different types of credit cards to choose from. If you’re shopping for one, it’s important to make sure you understand how they work and the fees attached to them.

Some types of credit cards are better suited to certain types of spending or circumstances, which is where we can give you guidance. Our guides also help you understand the typical fees attached to different types of products.

If you’re overwhelmed by choice and finding it difficult to compare products then we have rounded up the best types of credit cards, such as 0% purchase credit cards and balance transfer credit cards. We also have a guide continuing tips on how to find the best loan for you and a round-up of our top-rated personal loans.

Our guides also compare different types of debt products such as credit cards, overdrafts, personal loans and even buy now pay later (BNPL) to help you understand which might be best suited to your needs.

Be cautious around using credit as the costs can quickly get out of control. If you’re struggling to manage your debt, we have a guide explaining what help is on offer and we also explain how debt consolidation works. Wondering if it’s worth using savings to pay off debt? We help you weigh up your options.

Your credit score is like a financial CV that lenders use to decide whether to let you borrow money and at what rates. We explain how they work and have tips on how to improve your credit rating. If you’ve got a bad credit history then we outline which cards might be best suited for you.