Which credit card is best for me?
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Having trouble deciding which kind of plastic will be the best fit for your wallet? Well, there’s a really easy way to do it - you can use our handy decision tree to lead you to the right choice:
What do your results say about you?
Balance transfer credit card
If a balance transfer card is calling to you, you're looking to take charge of your finances. Money management might not have always been a strong suit and you've racked up a bit of debt, but you've acknowledged that and you're ready to slash that debt down to nothing. Take advantage of an extended 0% p.a. interest rate when you transfer existing debt and hold back from spending to see that willpower pay back in spades.
No annual fee credit card
You're savings savvy and you know it! If you want to keep a credit card on hand in case of emergency, or don't see the fuss in the bells and whistles of extra rewards, you'll like the ease of a no annual fee card. If you like keeping things simple, you'll delight in the lack of unnecessary extras - and in exchange, you don't have to pay a fee just to keep a card on you.
Low interest credit card
If you landed up on a low interest credit card, chances are you've been known to bite off slightly more than you can chew. For months when you don't manage to pay back your credit card balance in full, a low interest card keeps things from stacking up too high - meaning you won't end up snowballing quickly into huge amounts of debt with a sky-high interest rate. If you can keep on top of those payments, though, you might surprise yourself with the extra benefits you'll discover.
Rewards credit card
You're all about a deal, and a rewards credit card can score you just that - if you're savvy and sensible about it! Every rewards card has different fees and requirements, so make sure you end up with the one that fits your lifestyle and you could find yourself getting some seriously game-changing goodies - we're talking supermarket cashbacks and free flights.
Platinum rewards credit card
Someone likes a little bit of luxury! There's nothing wrong with that, and a premium rewards card (that's the ones with fancy names like platinum, titanium, and diamond - don't mind if I do!) will definitely tickle your fancy. Depending on the card, you might be able to score extras like premium airport lounge access, hotel upgrades, and free accomodation, so it's no surprise that these cards tend to be attached to some hefty annual fees and yearly earning and spending requirements. If you can afford it, though, make sure to explore the rewards card options to find the option that inspires you.
Start comparing now with our credit card comparison table! For some standout picks, take a look at a roundup of Mozo's best credit cards.
^See information about the Mozo Experts Choice Credit Card Awards
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