Compare the representative APR, annual or monthly fees, balance-transfer fees, purchase interest and any promotional period expiry dates. Also check charges for cash withdrawals, late or missed payments, foreign transactions and exceeding your credit limit, as these can make a card more expensive than its headline rate suggests. Estimate the total cost using your expected spending and repayment plan, rather than comparing APR alone. Before applying, check the provider’s full terms and confirm it is authorised by the FCA.