Check the representative APR, annual or monthly fees, interest-free periods for purchases and balance transfers, and any transfer or cash withdrawal charges. Compare eligibility criteria and use soft-search eligibility checkers where available, as making several full applications could affect your credit file. Also look at rewards, foreign transaction fees, late-payment charges and whether the credit limit is suitable for your needs. Read the provider’s full terms and check that it is FCA-authorised before applying.