Check out our guide to credit cards in Ireland
Despite the fact that the Irish economy is enduring its worst spell since the 1980s, there are still a large number of companies willing to offer you great deals on credit cards in Ireland no matter what kind of card you are looking for.
There are several groups of credit cards available in Ireland, and each one will offer you a different range of services and terms. Depending on what exactly you're looking for from your new credit card, each type has distinct benefits that can suit some people more than others. We'll take a look at each of the major types below.
Low interest credit cards are ideal for customers who are seeking lower APR rates than regular cards. These cards are ideal for anyone who wishes to make purchases, but cannot pay them off immediately, instead using their card as a temporary loan of sorts. The best low APR rates available in Ireland at the moment are from AIB and National Irish Bank, who both boast rates of 9.1%.
0% balance transfer cards are suited for anyone who wishes to consolidate large existing credit card debts from one or more card to a card what will not build up interest for an initial period. These cards make paying off your debt a much easier experience. The longest 0% rates on offer are 12 months, with the majority of cards offering just 6.
Cash back cards reward you financially for spending money with them. They often offer low introductory APRs ranging from 3.9% to 4.9%, with AIB's Platinum card being the cheapest.
Student credit cards are designed specifically for those in full time education, and offer low credit limits and favourable APR terms. These cards can be upgraded to regular ones when education is complete, although that will mean an increase in fees and charges, so you might want to avoid telling your bank that you've graduated right away.