Credit Cards Recent - loanitt

Here’s why you should use Loanitt to compare credit cards.

We want to help you find the credit card with the lowest interest rate in just a few clicks:

  • Compare credit card features and balance transfer options.
  • Review charges from Ireland’s main financial providers.
  • Discover the best interest rates available.
  • Our service is free, easy to use and 100% impartial.
Ireland’s largest credit intermediary

Comparing credit cards on Loanitt is easy.

All you need to do is:

  • Click ‘Compare all Credit Cards’ to compare credit cards.
  • Filter APRs from the lowest to highest.
  • Review credit card features, fees, and balance transfer options.
  • We will show you what rates are available from all of Ireland’s main providers.
Find out more
Find out more

How do credit cards work?

Compare credit cards & apply

Search the market to make sure you’re finding deals best suited to you. Comparing credit cards will highlight the important information such as APR, any fees and your eligibility.

Get your credit card

Once you’ve been approved for a credit card, you’ll receive it shortly after. Your credit card will have a credit limit which is the maximum amount of money you can owe at any one time, before you start incurring additional charges.

Make credit card repayments

You’ll receive your credit card bill every month and it will show you the balance you owe. It’s important to make payments on time and if possible you should aim to pay off your card in full each month.

What are the different types of credit cards?

There are a range of different types of credit card on the market, and while they all work in a broadly similar way, there are some important differences.

Balance transfer credit card

Switch an existing card balance to a lower rate or 0% interest balance transfer card to clear your debts more quickly.

There will usually be a balance transfer fee.

Rewards credit card

Earn loyalty points or Air Miles with purchases you make using the card.

Can suit those who spend a lot on their credit card but always clear the balance in full each month, as interest rates can be high.

Money transfer credit card

Allows you to consolidate other debts and pay a lower interest rate.

Typically, they are used to transfer cash to a current account so you can pay off an overdraft. Transfer fees usually apply.

Purchase credit card

Offers a low or 0% interest rate on what you buy on the credit card for an extended offer period.

This time period will vary depending on the deal, but it could be up to two years.

Cashback credit card

Gives you a percentage back on certain purchases made on the card.

Suits spenders who know
they can clear their card balance every month as interest rates can be high.

Balance transfer and purchase credit card

A combined card for those who have an existing card balance to switch to a lower or 0% rate, but
who also need to spend on the card.

The best deals offer 0% interest on transfers.

Travel credit card

This type of credit card is ideal for taking abroad because the fees and charges for overseas use are
much lower than those on standard credit cards.

You should also get competitive exchange rates.