Online credit cards

uSwitch.com can help you choose a credit card with the ability to manage your account online. Or, we can find you an online credit card from one of the many internet banks. Tell us what you want and our calculator will find a credit card to suit your needs. We are free and impartial.

Almost all financial providers now have online services. If you have access to the internet, you can save the time and hassle of going to the high street to make a transaction. Plus, you will have 24 hour access to your account.

There are specific credit cards that are only available online. What they allow you to do may differ according to the provider. For example, you might be able to:

• pay your bills
• transfer money between or to other accounts
• view your balance and transactions
• print off statements whenever you want
• request a new PIN, card, credit limit or add additional cardholders
• update your personal details

If you get a credit card from an internet bank, it can only be managed online (or over the phone). Internet banks don’t have branches on your high street.

As online credit card companies have lower overheads, they may offer lower interest rates and balance transfer deals. UK online credit card companies include Egg, First Direct, Cahoot, Goldfish, Intelligent Finance, Mint and Smile.

When you shop online, any pages that ask for personal information should be secured with encryption software (like the application pages on uSwitch.com). Encrypted pages have a padlock icon in the bottom right hand side of the screen.

Many credit card companies offer a fraud prevention guarantee, which covers you if someone fraudulently uses your card.