The best credit card depends on your circumstances and how you plan to use it, so compare reviews alongside the card’s APR, fees, credit limits, rewards and eligibility criteria. A balance transfer card may suit existing debt, while a purchase or cashback card could be more relevant for planned spending, provided you can repay on time. Check whether the advertised APR is representative and use an eligibility checker where available to reduce the risk of an unsuccessful application affecting your credit file. Compare cards from FCA-authorised providers and read the full terms before applying.