Choosing the right credit card can be tough, especially if your credit rating falls below par. If you are having a tough time finding a credit card to meet your needs, or if you just can't decide which one of the many options is best for you help is at hand. Today we offer you some insight into the different types of cards and some help on choosing which card is best for you.

Rewards cards

If your credit rating is up to scratch, and you enjoy the finer things in life then you might want to consider investing in a rewards credit card. These cards offer rewards and points that can be exchanged for vouchers, discounts or even cash back. The options are endless for those who use their cards on a regular basis.

0% credit cards

If you are willing to chop and change your provider every couple of months, then you could save a packet by taking advantage of a limited 0% credit card deal.  Many companies are willing to offer an introductory offer of a 0% rate on purchases or balance transfer in the hope that you will remain loyal to their card.

“Travel” credit cards

Many companies offer specialist “travel” credit cards for those who wish to grab hold of the best deals for their jet setting lifestyle. These cards often provide lower fees for usage abroad and could save you some serious dosh if you regularly travel outside the UK.

Get a “bad” credit card

So-called “bad” credit cards are an ideal solution for customers rejected for mainstream cards thanks to a bad credit rating. They charge high rates of interest but can provide vital credit to those struggling for some extra cash. They typically provide credit, but at a cost, namely a high interest rate for any missed payments. If you are willing to pay up on time then the cards can give you an ideal opportunity for better access to credit in the future.

Prepaid cards

If all else fails then you may want to consider a prepaid credit card in order to boost your credit rating and put an end to your debt woes. They typically requirement an upfront fee along with a monthly payment but this monthly payment can give your credit rating a vital boost by adding a completed payment to your report.

Whatever type of card you choose the same rules apply – always use the card responsibly or else you could find yourself in deep financial trouble. If you manage to choose the right card then you can spend to your hearts content and enjoy the high life without the upfront costs.

Happy spending folks!