A credit card comparison lets you review cards by features such as representative APR, fees, balance transfer periods, rewards and eligibility criteria. Use an eligibility checker where available, as it usually carries out a soft search that should not affect your credit score, although a full application normally creates a hard search. Check the offer’s terms carefully, including the interest rate you might actually receive, annual fees, promotional-period conditions and any balance transfer charges. PoundWise is an independent information site, so check the provider is FCA-authorised and consider whether the card suits your borrowing and repayment plans.