How do I choose the right credit card for me?

If you’ve decided to get a credit card, it can be a bit overwhelming finding the one that’s most suitable for you. There’s a lot of jargon that can be confusing. The main thing to bear in mind, is that there isn’t necessarily a ‘best option’, just a range or types. Which credit card you decide on depends on your circumstances and the reason you want to use the credit card.

5 min read

Ocean Credit Card

Up to £1,500 credit limit
Quickcheck won't impact your credit rating
Check your eligibility in 60 seconds

Check now

39.9% APR
APR Representative (variable)

Intelligent Lending Ltd (credit broker). Capital One is the exclusive lender.

Disclaimer: All information and links are correct at the time of publishing.

In a nutshell

No matter what type of card you choose, you need to keep up with your repayments, or you could damage your score and be charged extra fees
Depending on what you want to use your credit card for, you’ll be able to assess which type of card is right for you
There’s no definitive ‘best card’ as they all have their own benefits and drawbacks
Before you apply for any credit, you should always check the terms and conditions of the card
Show More

Written by: Alice Williams, Writer

Last updated 24 Jul, 2024

Fact-checked

Edited by: Helen Fox, Personal Finance Editor

Reviewed by: Matt Waller, Financial Promotions Manager