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Get the right credit card for you

This credit card guide outlines how to find the right credit card rates and the top credit card deals based on your needs.

The right credit card for you depends on how you use it. LowerMyBills can help find the best credit card and credit card rate for YOU.

About you	Tips on getting the right credit card
You want to transfer a balance	Some cards charge 0% for up to 16 months on balance transfers – so you can pay off what you owe without worrying about interest. Or you can get a long-term, low-rate card. These have low interest rates – for example, 6 or 7% – that last as long as it takes you to pay off the money. There's often a one-off fee to transfer– which is usually less than 3%. The interest you'll save will normally be much more than the fee though.
You pay off your bill each month	It is possible to make money from your credit card! With cashback cards, a proportion (e.g.1%) of what you spend is paid back to you. A typical card would pay you nearly £100 a year if you spent just £800 each month There are all sorts of other rewards linked to how much you spend. You can earn Airmiles, Nectar points, or money off petrol bills, phone bills and even cars.
You've got a bad credit rating	If you've had trouble with your borrowing in the past, credit card issuers may not be willing to offer you a new card. However, some companies specialise in people in this situation. You're likely to get a lower credit limit than normal and the interest rate will be higher. Once you show you can now repay credit card bills on time, other issuers are more likely to give you a card in the future. Take a look at our ‘credit builder' section to see these types of cards.
You want a gold or platinum card	Gold and platinum cards usually give you extra benefits– such as travel discounts and overseas assistance. They often grant higher credit limits – so you can spend more on them. You usually have to be a minimum age (21, say) or earning a minimum salary (£20,000 a year, for example).
You want to consolidate your credit card debts	If you owe money on several cards, consolidating what you owe on one card means less chance of a fee for forgetting to pay one bill, for instance. Plus if you transfer the balances to a cheaper card, you'll pay less overall.
You want to support a sports team	Many football teams have credit cards – from the English ‘big 4' of Arsenal, Chelsea, Liverpool and Manchester United, to clubs in lower divisions like Reading and Sheffield United. The club earns money when you spend and you normally get reward points to swap for club merchandise. It's not just football teams, though. There's an England Rugby credit card too.
You go on holiday a lot	There are many benefits from buying holidays on credit cards, such as emergency help if you lose your card. You get extra protection if the holiday company goes bust when you pay by credit card. They're a cheap way to pay for things. Some cards charge 0% commission on foreign currency exchange (and even those that charge can cost less than the commission on travellers' cheques or exchanging cash). Plus if you pay for a flight, hotel or meal on a cashback card, you'll get some money back!

Get the right credit card for you, brought to you by LowerMyBills from Experian

The LowerMyBills guide to finding top credit cards and credit card rates was created to help you find the right credit card and credit card deals if you want to transfer a balance, pay off a bill, get a gold or platinum card, consolidate debts, want to support a sports team, or go on holiday, so that you have the information you need to choose the right credit card for you.