Help To Choose Your Credit Card

At Credit Cards 121 we have grouped our best credit card deals to fit certain criteria that visitors to this site have requested. We hope that your needs will fit into one of these offers, if not then you can compare all our credit cards to find the one which suits you best.

You should try to think how you are going to use the credit card, and what you require from your credit card. Below we have attempted to group user's needs with the different sections of the site.

Do you need transfer your current credit card balance?

Self explanatory really, if you have a balance on your current credit card and wish to transfer it to a credit card with an introductory balance transfer offer then these would be the best cards to satisfy your needs. Many of these cards now come with a mandatory balance transfer fee (normally about 2% or £50 max) that should be considered.
>>> Go to the 0% balance transfer offers <<<

Do you plan to go shopping and want some cheap or 'free' credit

We use the term 'free' credit because all of the cards in this section offer 0% apr on everything that you buy for a pre-determined period of time. The credit is free because there is no interest to pay on the purchases that you make until the deal runs out, however you must still pay at least the minimum balance, otherwise expect to charged late payment fees. One word of caution with these credit cards, if they only offer 0% on purchases do not transfer a balance, you may be charged interest on this!!
>>> Go to 0% purchase credit cards <<<

Do you pay your balance IN FULL every month?

If you do, you probably have excellent credit and would qualify for these 'rewarding' deals. Why not get paid for using a particular deal? By paying your balance in full every month you will not be paying any interest on the amount that you spend using the card, this is crucial, otherwise you will nullify any benefit that you receive. If you don't pay your balance in full every month then consider either a 0% purchase credit card, then moving your balance when the deal expires.
>>> Go to reward scheme credit cards <<<

Other credit card types

There are various other credit card types that are available, with charity credit cards becoming popular at the moment. The most desirable card that we offer is the Childline credit card, similar to the reward scheme credit cards but the Childline charity receive the financial benefit instead of yourself. Maybe you will like the charity credit card from the RSPCA. this offer includes a £15 donation to the charity when you take out the card then further donations being made depending on the amount you spend. These amounts are sent directly to the RSPCA for you, without you having to make any other donation or form filling.

Football Club Cards

These credit cards are in a similar mould to the charity credit cards, where your choice of club is your preferred 'charity' as such. Every time that you spend using the card the club will receive a financial benefit that will help the development of young talent.
>>> Go to Football Club Cards <<<

Need further information? Try some of our related articles!

• UK Credit Card Comparisons - With the wealth of information out there about the many different credit cards now available to us, it’s easy to feel confused about how to make the right choice.With this easy to read guide you will find many points that will assist you in choosing the best credit card for your needs
• Which Rewards Credit Cards is Right For You?
  Does one reward credit card give you the same benefits as any other reward credit card? Lloyds TSB have launched their Rewards American Express Credit Card, their first loyalty card
• Choosing the Right Credit Card - Credit cards are a useful financial tool that has become an integral part of our lives. But have you ever given a thought what all factors you should keep in mind before choosing the right kind of credit card for yourself?
• Credit Card Vs Store Card
  What would you choose, credit card or store card. Which one of these cards would be more beneficial to you? Which card has the best offers and the best value for money? Well, we intend to find out
• Overview of UK credit card market - An article that looks at the various aspects of the UK credit card market and the use of 0% balance transfer offers within the UK. A significant amount of credit card holders don't pay the full balance of their credit card before the introductory period runs out.
• A Quick Guide to Balance Transfers - In the ever more competitive world of credit cards, balance transfers are the most effective means of which to lure new customers. This is, of course, good news for consumers as.