When comparing a credit card in the UK in 2026, check the representative APR, annual fees, interest-free periods and any balance-transfer or purchase fees. Use an eligibility checker where available, as it can show your likelihood of acceptance without necessarily leaving a hard search on your credit report. Consider whether the card suits your plans, and avoid relying on promotional rates unless you can meet the terms and repayment dates. Offers and eligibility criteria vary, so check the provider’s current terms and choose an FCA-authorised firm.