Is it right for you?
It depends what the offers are and whether you’re likely to take advantage of them. Take a look at what’s available and think about whether it will fit with your lifestyle and spending patterns. For example if there’s a cash reward for making a set number of purchases in a month, but you only plan to use the card for emergencies, there may be other offers that could suit you better. Likewise if your card has some great offers on international travel, but your ideal holiday is a camping trip to Cornwall, it’s not much use.
While introductory offers and schemes can be useful, it could mean that the overall cost of taking the credit card (e.g. the interest) is more. You should always consider the representative APR for a card and use it to compare different cards, as well as the other features and benefits that the cards have to offer.
Read guidance on choosing a credit card from Citizens Advice.