Credit Cards

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Best Credit Cards

Check out the current best Credit Cards available

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Cash Back

Some credit cards come with incentives that encourage the holder to use the card for more of their spending. Some might offer air miles, tickets to concerts or gadgets, but cash back credit cards actually offer money back on purchases. So, whenever you use the card to buy something, a small percentage – usually around 1% - will be paid back into your account.

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Travel

Travel currency cards are designed to help you avoid paying high fees when traveling abroad. Some cards act like a normal credit card, however others you can pre-load with money for spending from your current account before you jet off.

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Air Miles

Air miles credit cards allow you to earn points when you spend on the card, which you can then use towards the cost of future trips - and other travel-related rewards.

Aimed at frequent travellers, the more you spend on the card, the more points you’ll earn. There are many cards on the market and they’re usually tied to particular airline networks.

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Hotels

If you’re a traveller that is often loyal to a particular hotel chain, having a cobranded hotel credit card can be a no-brainer. Unlike airline credit cards that don’t always offer strong enough perks to justify paying an annual fee, most hotel cards offer extremely valuable benefits packages.

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0% APR

Interest-free credit cards let you spread the cost of an item you’ve bought across several months, interest free. Interest-free credit cards are different to many other cards, as you’re not charged interest when using them during the interest-free period. But the 0% interest period only lasts for a fixed amount of time, as outlined in your credit agreement.

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All Rewards

Rewards cards often come with bonuses for spending on them, such as cashback extras or building up points that can be spent on things like concert tickets or airmiles. However, they can come with annual fees and high interest rates, so it’s essential you know the finer details of owning one before you apply.

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Balance Transfer

If you’re currently paying interest on a credit card, you may be able to save some cash by transferring the balance to a balance transfer card – often for a small fee. Balance transfer cards usually come with an initial 0% period where you won’t pay interest on your balance for a set amount of time, for instance for six months.

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Small Business

Managed carefully, business credit cards could be an asset to your company. You can use them to pay for essential costs, goods or services for the business as required. And issuing cards to responsible employees could help you easily keep track of and process their expenses, too. They can also help build a good credit profile for your business, you could even get perks and rewards for spending on them.

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Best Sign Up Bonus

Check out cards with best sign-up bonuses.  Getting a good sign-up bonus is a great way to jumpstart your points earnings.

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No Annual Fee

A no-fee credit card is as simple as they come. There’s no annual fee to pay, and if you can manage to pay off the balance in full each month, you won’t pay interest either.

If you want to keep your costs down, a no annual fee credit card offers a straightforward, low-cost option for spending.

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No Foreign Transaction Fee

While most credit cards can be used abroad, you could pay foreign transaction fees on each transaction. This charge is for the service of converting dollars into local currencies and is added on top of the exchange rate.

Some credit cards are designed for you to take abroad. These cards often have 0% foreign transaction fees.

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Gas Rebates

The best gas credit cards make it convenient to fill up at the pump, but they also offer valuable rewards and cardholder perks that are worth signing up for. For example, many of the best credit cards for fuel let you earn cash back on your spending, and some fuel credit cards even offer fuel discounts and consumer benefits like purchase protection and guaranteed returns.

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Student Credit Cards

Student credit cards may come with additional perks like rewards or a low interest rate on balance transfers, but these aren't the most important features for students looking for their first credit card. Students generally have to be enrolled at an accredited four-year university to be approved for a student credit card.

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Secured Credit Cards

Secured credit cards are an option for people who don't have a ​credit history or who have damaged their credit status. Secured cards require a security deposit to be placed on the card.
It's worth noting that you're still expected to make monthly payments on your secured credit card balance.

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Prepaid Credit Cards

Prepaid cards require the cardholder to load money onto the card before the card can be used. Purchases are withdrawn from the card's balance. The spending limit does not renew until more money is loaded onto the card. Prepaid cards do not have finance charges or minimum payments because the balance is withdrawn from the deposit you've made.

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