Credit Card companies are like any other business, sometimes they offer fantastic deals, other times not so good and the bad deals tend to cleverly wrapped up in marketing tricks to gloss over the facts.

• In order to find the best deal you have to have some basic knowledge as well, comparing the pluses and minuses of different cards and offers against each other - Check out the deals below

• You may also decide for example that you always plan to payoff your balance at the end of the month, in that case the APR and other features to do with interest payments are not so relevant with your main focus being on credit cards that charge no annual fee and carry assorted reward benefits

• Perhaps you'll be using your card for cash withdrawals (you may travel abroad a lot), in which case you should compare the different cards to see which is the cheapest for withdrawals etc

• Maybe you're the type of person that historically ramps up your card balance and then takes some time to pay it off in full

• In this case make sure you look at cards that offer special APR rates (often 0%) for a set period of time, also cards that have the lowest APR possible.

Whatever the case, comparing the relevant costs of a number of cards is the way to proceed.

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Comparing Different Credit Cards

• First make sure you clearly define how you expect to use the credit card and how you are likely to handle paying the monthly debit balance

• Then start to compare at least 3-4 different cards

• Remember competition is high in this industry and you are in control of who you do business with, not the other way around

• But if your credit rating is bad your choice may well be limited to credit card plans that specialise with these kinds of clients

Look at the table below (you can print it out by clicking here PDF format) and immediately start to cross out features that aren't relevant to your needs. Then start to add information to the boxes. You'll soon start to get a very good feel as to which credit card deal or special offer is the best for your financial circumstances.

The table is split into two section, Introductory Deal and After Introductory Deal - this is because most if not all Credit Cards these days have some sort of discounted offer (normally on APR or balance transfers) for new customers.

Two Credit Cards - An Advantage?

Don't feel that you have to have just the one card. Many people these days have a few cards, each for specific purposes.

• Perhaps one card offers the best deal for cash withdrawals which you're likely to pay off in full at the end of the month

• You may want another card because you like to use the credit available, in which case zero in on the cheapest APR etc

• And finally you may have just bought a new or a larger house in which case you need to buy some furniture of large ticket value

• In situations like this you may well have money in the bank to pay for your purchases but why not consider using a credit card with the associated purchase protection and insurance that they offer

• If you find a Credit Card with the longest grace period possible you're starting to think smartly in that your money in the bank will be earning extra interest before you have to pay the debit balance off

LearnMoney.co.uk suggests that we are all part of a big financial game being played with the boundaries of who is the hunter and who is the hunted very blurred. But armed with the simple knowledge supplied in this website you can easily be the hunter in every financial product you consider.