Highest rated credit cards

Find the best credit card option in Ireland

Benefits & Features

  • Interest free period to 56 days
  • No transaction fees
  • Emergency Cash Service
  • No annual fee
  • Add cardholders for free

Salary Requirements

€16.000 p.a.

APR

22.1 %

Balance Transfer

0 % for 7 months

Minimum age

18 years

1939

Classic Credit Card
Representative example: Typical APR of 22.1% variable including annual Government Stamp Duty of €30. Assuming purchase of €1,500 repaid in equal instalments over a 12 month period. The total amount repayable by customer is €1661.01 which includes initial purchase of €1,500 and a total cost of credit of €161.01.
NB! Total amount payable depends on the loan amount, percentage, terms and individual credit worthiness.

Benefits & Features

  • SuperValu Real Rewards points
  • No transaction fees
  • No annual fee
  • Low cost instalment option

Salary Requirements

€16.000 p.a.

APR

20.2 %

Balance Transfer

2.9% for 12 months

Minimum age

18 years

1920

Affinity Credit Card
Representative example: Typical APR of 20.2% variable including annual Government Stamp Duty of €30. Assuming purchase of €1,500 repaid in equal instalments over a 12 month period. The total amount repayable by customer is €1,648.38 which includes initial purchase of €1,500 and a total cost of credit of €148.38.
NB! Total amount payable depends on the loan amount, percentage, terms and individual credit worthiness.

Benefits & Features

  • 0% interest on purchases for first 6 months
  • No transaction fees
  • No annual fee
  • Free travel insurance

Salary Requirements

proof you are studying or are a recent graduate

APR

20.2 %

Balance Transfer

N/A

Minimum age

18 years

939

Student Credit Card
Representative example: Typical APR of 20.2% variable including annual Government stamp duty of €30. Assuming purchase of €1,500 repaid in equal instalments over a 12 month period. The total amount repayable by customer is €1,648.14 which includes initial purchase of €1,500 and a total cost of credit of €148.14.
NB! Total amount payable depends on the loan amount, percentage, terms and individual credit worthiness.

Credit Cards

Useful information about financial products and debt management

If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future.

Before you apply

  • Choose the right type of credit card for you.
  • Different cards have different features, for example, reward points.
  • Choose the right credit limit for you.
  • Make sure that there are not high monthly fees.
  • Take a look at your budget, decide carefully whether you will be able to make repayments.

Make sure you have

  • Proof of income. It can be payslip, tax return report, etc.
  • Information about your current income and expenses.
  • Copy of your bank statement that shows your savings and other repayments you have made.
  • Passport or drivers licence.

To be eligible, you must

  • Have a regular income, either from full-time employment, self-employment, or disability or Social Security benefits.
  • Meet the minimum income guidelines.
  • Be at least 18 years old. Each company sets the limit on age themselves that's why it can differ.
  • Have a positive credit history and no debts.

Main features of credit cards

  • Reward points - these types of credit cards gives you reward points that can be redeemed for gifts or other goods;
  • Cashback cards - you can get certain amount of money back, this depends on how much you have charged from your credit card;
  • Travel miles - these types of credit cards gives you mile points, which can be used to make travel related purchases, for example, plane tickets;
  • Petrol - these types of cards offer you to get petrol related benefits.

Fees and charges

  • Application or processing fee some credit card issuers may charge this fee when you sign up for a credit card;
  • Annual Fee - some credit card issuers may charge you with annual fee. Annual fee is set by the credit card issuer and can be more than 200$; Keep in mind that exclusive credit cards usually are design for people with higher income and such credit cards are more expensive;
  • Foreign Transaction Fee - this fee can be charged for transactions that are processed outside of Ireland;
  • Cash Advance Fee - if you withdraw cash from ATM machine you have to pay additional fee for the withdrawn amount;
  • Late payment Fee - you may be charged interest if you fail to repay money borrowed from the credit card.

Credit card minimum repayments

If you make only the minimum repayment on your credit card each month, you will pay more in interest and it will take longer to pay off your balance. Your monthly statement must give you information about how long it will take to pay off the entire balance by making minimum repayments.

Unless you use a card that is interest-free and fee-free, buying items with a credit card will always cost you more than if you pay with cash.

Credit card interest rates

Credit cards tend to have higher interest rates than other forms of credit, and the rate can vary depending on what features the card offers. You are charged interest on all outstanding transactions if you don't pay your full balance each month.
If you have a credit card without an interest-free period, you pay interest either from the day you make a purchase or from the day your monthly statement is issued.

MoneyGuru24

  • Get to know us - MoneyGuru24 is here to help out every internet user who is searching for the right service and/or product in a specific niche. Our services are available for anyone free of charge. Our team’s main goal is to provide the best opinion about the product and/or service, by comparing specific features. We want our website visitors to get as much information as possible, to help them make the smartest decision.

  • Process description - Before displaying and listing services and products on our website, our team members from the research, marketing, and data departments come together and very carefully look into each of the company and its offers. Because of the team member experience, we can see red flags before anyone else. We spend many hours looking into all details, consumer reviews, specifics and brand provided information on every product even if it comes from the same brand. Only after collecting all the information we can find, we decide whether to display this brand with its product on our list or not.

  • Our Partners - We have high standards for ourselves and also for our partners. We work together only with companies with a good reputation, without any legal or ethical issues. Some partnerships are paid, which means that it can make an impact on the listing positions, but it's not always like that. Most of the time, the content department team decides the listing positions. If our page visitor has chosen a product and/or service from our provided list, he may be guided to partner’s websites to continue the process and we may get a commission from his purchase. Even if we sometimes get commissions from our partners, we don`t change our basic structure and overstep our principles about listed partner companies.

  • Useful feature description - We always think of ways to make our website more user-friendly. To save visitors time we have implemented a useful tool called “pop up window”. By moving a mouse cursor to the button “Apply now” you can access this window, which will show up giving you the additional information that could help you to get more important details about product/service and may also include product/service requirements. If you as our consumer or page visitor wish to know more about some specific product/service you can visit our "full description" page where our team has collected and published all information that can be useful for you.

  • Star rating system explained - We have also added a great tool to all of our listed merchants - stars. Every visitor after using a service or getting a product can rate how satisfied they've been with this brand and/or product on a scale from one to five, five stars being the highest level of satisfaction and one - the lowest. On the right side of stars, you can see the number of our customers that have rated this listed brand previously. To ensure a more objective rating, we let one consumer vote only one time per 24-hour window. The star feature also can impact position at the list. If you see products that have a small rating number or don't have a rating at all don`t be suspicious or hesitate to try them out. Empty star features may just show that this is the brand new partner or newly listed product provider.

  • Updates - With the help of the world wide web, information changes very rapidly in this century. Every few days our content team goes through all displayed information and compares it with the information from the source. If there are any changes, then we get approval from the source and the content team updates the newest information on our website. We do this because for us it is important to provide up-to-date information to our website visitors and potential consumers. Just keep in mind that we are only humans and we are doing our best!

  • Reach out to us - We understand very well that each consumer's experience can be very different. For us, it is important to hear not only great reviews but also complaints, suggestions and comments. For this reason, we have a section called “Contacts” where you can find the information on how to reach us. We suggest using an email as in that way we can investigate your described situation and send you an answer or give a call as fast as possible. Usually, our team answers in less than 2 working days.

MoneyGuru24 is not a bank, lender, broker or product issuer. MoneyGuru24 is not owned by a financial institution but is an independent company owned by private shareholders. All information provided on MoneyGuru24 has general and informative nature. Although MoneyGuru24 covers wide range of loan products and providers, keep in mind that those are not the only options available in the market and may not be the best fit for you. We do not consider your personal circumstances and financial situation and we are not recommending any particular products. If you choose to apply for a loan product through MoneyGuru24 website you will be dealing directly with the loan provider not with MoneyGuru24. It is recommended for you to read all relevant documentation given by the loan provider before accepting any financial product offer.

MoneyGuru SIA, Address: Cālīšpurva street 27, Baloži, Latvia, LV-2128
Registration number: 41503072001 Bank: Swedbank AS, E-mail: partner@moneyguru24.com
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