Common mistakes include choosing a card based only on rewards or an introductory rate, without checking the ongoing APR, fees and eligibility criteria. Making several full applications can leave hard searches on your credit report, so consider using an eligibility checker first where available. Also check when promotional rates end, what the minimum payment is, and whether cash withdrawals or overseas spending incur extra charges. The best card depends on your circumstances and how you plan to use it, so compare representative terms carefully and seek guidance from an FCA-authorised provider if needed.