Matching a credit card with your spending can save you thousands each year. Remember to cick on the white writing in the tables below to sort the list according to lowest rates and so on.
Some shops whack on a fee if you pay with an AMEX card; particular restaurants only accept Visa and not Mastercard; in particular countries when travelling overseas you may find that one type of card is more acceptable than another.
For this reason, some people take out both a Visa and Mastercard, or a Mastercard and AMEX, for instance, to ensure that they're always covered.
Gold and Platinum cards usually cost more on yearly fees, but there can be other benefits. Reward points can be more generous, offering travel insurance, hefty frequent flyer points and so on. Plus, credit limits on these cards can be particularly high - especially attractive for business people or high-income earners who tend to live on their card, paying off the balance each month before the due date.