PoundWise Team: Credit card reviews should help you compare the representative APR, annual fees, balance-transfer or purchase offers, rewards, and any penalties for missed payments. Check whether the review explains eligibility requirements, as the advertised deal is not guaranteed and the rate offered depends on your circumstances and credit history. Consider how you plan to use the card and whether you can repay the balance in full each month, rather than choosing on rewards alone. Before applying, check the provider is FCA-authorised and read its current terms and conditions.