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Compare credit cards from top banks and find the one that works hardest for your wallet.
Benefits and optional extras
Credit cards come with a variety of perks, but these vary by provider and card type. Here are some common benefits:
How to apply for a credit card
To obtain your first credit card, you’ll need to meet specific eligibility criteria and provide various forms of documentation. Here’s an overview of what you may need:
Final considerations
Before applying, it's wise to review your credit score and ensure that you understand the responsibilities of managing a credit card, including making timely repayments to avoid high-interest charges. If you’re unsure about your ability to manage a credit card, you might consider starting with a debit card instead.
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Not a completly happy experience
I finally connected to a person who would listen to my needs and satisfie my requests. i this took several phone calls and being dismissed as "incompentent" by one person as I had "trouble reading my power bill. He hung up on me !!!!!
Esme
Very professional and friendly
Very professional and friendly. Excellent customer service and easy to understand.
customer
Fully explained (extremely patient with…
Fully explained (extremely patient with me 🤣). Answered all my questions to my satisfaction and was extremely helpful in first instant and follow up. Would recommend talking to Compare
Lexie
Knowledgeable, kind services
It is a knowledgeable, kind services
PEI JI
The person I spoke with about our…Health Insurance
The person I spoke with about our Health Insurance was very helpful & answered any questions that I needed clarification on.
Elise
Top Advice and Helpfulness
Helpful, friendly, patient and an excellent listener representative, who explained things carefully and told me info I didn’t know about. We developed a good phone rapport and I was grateful for the advice given.
Elizabeth Davis
Happy Kiwi
Went over all aspects of possible change ,as I am a senior somethings he had to repeat for me.Very patient guy. Saved me money on Health Fund,also Power .
Moira Illingworth
Informative information precisely…
Informative information precisely delivered.
Jo Jo
This depends on what you want from your credit card. Some people aren’t keen on paying an annual fee, or are happy to pay a small amount each year for an ultra-low interest rate. You might be keen on a card with very enticing introductory offers and rates, while your partner may want to rack up frequent flyer points.
It’s why taking a few minutes to compare credit cards is important. There’s no such thing as a best credit card, only what’s best for you. So whether you’re planning on a big immediate purchase or you know you need it to tide yourself over ahead of pay days, take a minute to make sure you know what you want from your card and how you’ll afford to pay it off.
If you’re after a cheap credit card, focus on the interest rate on the credit card and whether it has an annual fee. You can also look at the interest-free days, as this can help you reduce or avoid the amount of interest you pay on the card.
Comparing your credit card options with us doesn’t impact your credit score. It’ll result in a soft credit check, which will appear on your credit history but won’t impact your score. Once you apply for a credit card with Compare Club, this will result in a hard inquiry on your credit, which can impact your score if you are approved or rejected for the card.
There are a range of credit cards available, including low rate cards, low fee cards, balance transfer cards, frequent flyer credit cards, reward credit cards and premium cards. What card is right for you depends on what you want from your credit card.
Credit cards have lots of different types of fees. Here’s what to look out for.
Annual fees: This is a fee that is charged for having a credit card. Not all cards come with these.
Late payment fees: This is a fee charged to your credit card if you miss a payment. They vary between providers, but the best way to avoid any kind of late payment fee is to make sure you’re paying off the minimum amount each month.
Cash advance fees: This is a fee you get for withdrawing cash from your credit card. There may be times when using your card in this way is unavoidable, but using your debit card is the best way to avoid a cash advance fee.
Interest: You’ll get charged this if you don’t pay your balance off in full each month once any introductory interest free offers have run out. Even if you can’t get your balance down to zero, lowering the amount on the card will lower your interest payments.
Everybody budgets differently and if you’re really struggling, visit a financial counsellor rather than make out a new card. But keep the amount on your card low and paying off at least the minimum each month is a good way to avoid extra charges.
There’s lots of different ways to manage credit card debt, but the key thing is not to stress. Whether it’s transferring the balance for free to a lower interest card or planning your monthly payments, your card payments shouldn’t rule your bank balance.
You can apply for a credit card right here, with us. We compare over 80 credit cards and you can compare which ones you like side by side.
Credit cards explained
Whether you’re on your first, fourth, or 14th card, there’s always a few pieces of bank jargon that can really throw you. At Compare Club, we believe a little knowledge can go a long way towards better financial decisions. So here’s a few quick guides to help you hone in on the right card.