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Credit card factors to consider

If you are looking for a new credit card, then there are a number of considerations you must think about to ensure that you get the right credit card for your circumstances.

If you pay your balance off in full every month, then the amount of interest charged is not something that should affect you. Therefore you need to look at the rest of the credit card offering.

Here we look at some of the non-interest related factors to consider.

does the card offer a reward / loyalty type scheme? This is where you get benefits such as cashback, airmiles or discounted products and services
is there an annual fee? While some credit card issuers do still charge an annual fee, there are so many that don’t, so choose a card where there isn’t one
do you get free travel accident insurance? Check out the small print if your card does offer this benefit as it may be subject to terms and conditions, such as paying for the holiday in full on your card
is the card affiliated with a charity? You can get charity credit cards where the credit card provider makes a small donation to a specified charitable cause when the card is taken out and sometimes every time a purchase is made. And at no additional cost to the card holder.
is there protection if your card is used fraudulently online so that you have no liability is someone else runs up a bill on your card?

Once you have found the cards that match your requirements, you can then do the easy part – choose the one that looks the most stylish! There are so many different and funky credit card designs out there, picking the one that best suits your personality is the fun bit!

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