Find the best credit card

There is, actually, no such thing as 'the single best credit card', as it really depends on you, and how you use it. So, the best credit card for you is not the same as the best credit card for your mum or your best friend. Or anyone.

We are all different, especially when it comes to money. Do you max out your credit card on new clothes and CDs and then try as hard as possible to ignore the debt, just paying the minimum amount each month?

Or, do you want a credit card so that every now and again you can book a flight or ticket on the internet, and then pay the full amount off as soon as you can?

Just how much spending do you plan to do? If you just want a credit card to make the odd purchase here or there, or as a buffer in case you run out of money, then you might not care so much about the interest rate. Especially as all cards have an interest free period. The best credit card for you might be an affinity card linked to your favourite football team or charity. Or it might say important words like 'platinum' or 'gold'.

If you think you will rely on credit and just make the minimum repayments each month, then the best credit card for you would have a low interest rate and perhaps a long interest-free period to keep your payments down.

Or, maybe you make lots of purchases on your credit card, but pay the balance in full every month. Then, like the low spender, you won't be concerned about the interest rate, but your best credit card could be one that offers reward points or cashback.