Best Credit Cards for 2025.

Choosing a credit card can be complicated. At Finance Monthly News, our goal is to make the process easy for you. We've highlighted the top credit cards by lender using the following 5 golden rules.

When considering a new credit card, there are five key points to take into account to ensure it's the right choice for your financial situation:

  1. Interest Rates (APR): Look at the Annual Percentage Rate (APR), which determines how much interest you'll pay on outstanding balances. Some cards offer 0% interest for an introductory period, which could be useful if you're planning a large purchase or transferring a balance from another card. However, be aware of the APR after any introductory offers end.
  2. Fees: Consider any fees that come with the card, such as annual fees, late payment fees, foreign transaction fees, or balance transfer fees. Some cards might offer no annual fee, but may have higher interest rates or fewer benefits, so weigh the costs against the rewards or benefits.
  3. Rewards and Benefits: Many cards offer rewards like cashback, travel points, or discounts on purchases. Check how the rewards are earned (e.g. per £1 spent) and if there are any restrictions, such as limited categories for earning rewards. Also, see if there are any perks, like travel insurance, purchase protection, or exclusive discounts.
  4. Credit Limit: The credit limit is how much you can borrow using the card. Ensure the limit is appropriate for your spending habits, but also be cautious not to overextend yourself. A higher credit limit could affect your credit score if you use too much of it.
  5. Repayment Flexibility: Assess how flexible the repayment options are. Some cards allow you to make a minimum payment or pay off the balance in full. Consider your ability to pay off your balance in full each month to avoid interest charges. It's also worth checking if the card offers a grace period on new purchases.

Here are our recommended lenders for 2025.

American Express 

Chase

Citi

Capital One

Bank of America

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