Credit Cards

Compare the Most Popular Credit Cards With Proper Finance

Which popular credit card providers do we work with?

We compare dozens of the biggest credit card providers in the country, including:

Comparing Credit Cards With Proper Finance

Proper Finance offers a simple way to compare the most popular credit cards in the UK, already used by millions of people.

Our table offers a simple way to compare cards and find the right one for your requirements. Depending on your circumstances, you may be looking for ways to maximize your air miles, or perhaps you are looking to transfer the balance of one of your cards onto another.

A typical application takes just 10 to 15 minutes and cards can often be delivered to your door in just a few days. Your credit limit and interest rate will depend on your personal circumstances including your monthly income, credit score and other outstanding debts.

We are pleased to offer some of the most popular credit cards available, giving you access to competitive rates, terms and offers.

What Are the Most Popular Credit Cards?

There are a variety of credit cards to choose from, including:

  • Balance transfer cards.
  • Money transfer cards.
  • 0% interest cards.
  • Cashback cards.
  • Reward credit cards.

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What Should I Be Looking For?

Low Rates – Many popular credit cards come with 0% interest for introductory periods, so if you are able to make your repayments in full each month, you will not pay any fees for using the card. This is often available to first-time customers as an incentive for signing up, and also for those with good credit histories. Higher rates may be subject to those with limited or poor credit histories.

Rewards – For those that love to travelling, finding credit cards with air miles is important. Using Avios points or Virgin Atlantic, bonuses are often available for signing up or when you have spent a certain amount on the card e.g £2,000 in the first three months. Other rewards include nectar points, purchases with George.com and cashback on a certain amount of spend.

Balance transfers – If you are looking to move your outstanding debt from one credit card to another, you can use a balance transfer card. You can compare cards effectively by looking at the fees and timescale – with some balance cards offering 0%, a fixed rate, or a lower rate for a certain number of months before it increases.

Purchases – Some cards are best suited for large purchases, allowing you to delay payment at 0% interest and also acquire some air miles or nectar points in the process.

Why Apply for a Credit Card With Proper Finance?

Approachable

We aim to be as approachable as possible for our customers, and will always do our very best to assist you with any and all queries you may have concerning any part of our application process and more.

Fast decisions

Our online application only takes minutes to complete, with decisions being made very quickly after this. A member of staff will contact you to help you proceed with the final steps.

Reputable and trustworthy

Each and every one of the providers we work with are fully checked to ensure their reputability, their trustworthiness, and furthermore their competency in helping to provide you with the financial services you require.

Free online application

The Proper Finance comparison site is free to use and there are no upfront fees for filling in our online application.

How long is the application process?

To apply for a credit card online, this will usually take no longer than 10-15 minutes to fill out the form, and you will typically receive an instant decision. This will take longer in a branch or doing it by post.

Will I be approved for a credit card?

Each provider has individual criteria for their credit cards, taking into account an applicant’s finances, income and their credit score, so it will depend on the card and your individual circumstances.

When do I receive my credit card?

Once your application has been approved, it can take up to ten days for your card to arrive, although this is often much sooner.

Can I cancel my card if I change my mind?

Yes, you will have a 14-day cooling off period from when you receive the credit card and withdraw the agreement, and pay any outstanding balance.

What is the APR?

This refers to the Annual Percentage Rate and reflects the interest rate and other additional fees and charges you may incur, over the course of one year. Remember that advertised credit cards provide a representative APR figure, which is only available to 51% of applicants and you may not necessarily receive that rate.

What will the credit limit be?

Your chosen credit card provider will indicate your credit limit, and this limit will be based upon your monthly income, credit score and current financial position.

How do I increase my credit card limit?

An increase can be discussed with your credit card provider, and may be granted if you have a good credit score or have regularly kept up with paying off the balance in full each month.

Do I need a credit card if I don’t need to borrow money?

Many people decide to use a credit card to make every day purchases and also enjoy cashback or air miles through a rewards credit card, and to be able to benefit from additional protection when spending. Credit cards can also be a good thing to have in the event of emergencies, especially for young people.