Compare the representative APR, annual or monthly fees, introductory offers, balance-transfer costs and any rewards or cashback, rather than focusing only on the headline rate. Check the eligibility criteria and use soft-search eligibility tools where available, as repeated applications can affect your credit file. Also consider the provider’s customer service, app features, payment flexibility and whether the card suits your intended use, such as purchases or transferring an existing balance. Before applying, check the provider is authorised by the FCA and read the full terms carefully.