Compare cards by their representative APR, annual or balance-transfer fees, introductory 0% periods and the interest rate that applies afterwards. Check whether the card suits your purpose, such as purchases, balance transfers or rebuilding credit, and use an eligibility checker where available because it usually gives an indication without a full credit application. Consider how much you can repay each month, as missing payments may lead to fees, interest and credit-file damage. Rates and offers change, so check the provider’s latest terms and consider guidance from MoneyHelper before applying.