Compare Ireland’s Best Credit Cards

Discover the best credit card deals and get Ireland’s top balance transfer, rewards and 0% purchase card offers.

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0% Balance transfer credit cards

Find out how much you could save

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0% Purchase credit cards

Compare purchases credit card deals

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Rewards credit cards

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Compare Credit Card providers in Ireland

Longest 0% balance transfer

0% for 12 months
Balance Transfers
Typical APR
Ireland's longest 0% balance transfer

Ideal for everyday spending

Classic - Purchases
Classic - Purchases
Balance Transfers
0% for 6 months
Typical APR
Instalment plan i
Spread your bigger credit card purchases of €250 or more at a great low rate of 6.7% variable (6.9% Annual Percentage Rate).

Longest 0% money transfer

One Card
One Card
0% for 9 months
Balance Transfers
0% for 3 months
Typical APR
€150 cashback i
€150 cashback subject to minimum monthly spend of €500 in the first three months with cashback payable within six months of account opening.
0% on Money Transfers for 12 months
Avantages® loyalty programme i
Over 300 always-on offers. More discounts and less restrictions from 100’s of your favourite top brands. Plus exclusive experiences, customer days, and competitions for you and your family.


Your complete guide to credit cards in Ireland

Credit cards are a convenient and secure way to pay. Here’s what you need to know about credit in Ireland and how to pick the right card for your needs.

Read now

Our expert says

Credit cards are a safe and convenient way to buy now and pay later.

There are several types of credit cards, with a range of features to suit every financial need.

Purchase cards often come with an 0% introductory discount which means you can enjoy interest-free spending for up to 12 months. Reward cards give you cashback when you shop and sometimes the chance to earn travel perks or discounts. If you already have a credit card, balance transfer cards let you move your existing debt to cut interest costs and clear your balance faster.

Our advice is to take your time to understand how credit cards work and what type of card would suit you best. Compare interest rates to find the best deal and check for any extra fees and charges.

The best credit cards have a low APR (Annual Percentage Rate) and a long introductory offer period so you can benefit from interest-free purchases and balances for longer.

Eoin Clarke

Eoin Clarke

Latest Update

Credit cards roundup

Card payments up 8.2% in March, to €8.1 billion

01/05/2024: The Central Bank of Ireland’s monthly credit and debit card statistics reveals the value of card payments reached €8.1 billion in March 2024, up 8.2% on the previous month.

The volume of payments increased by 7.9% month-on-month, reaching 214 million transactions.

Spending on restaurants and dining jumped 12.1%, while spending on clothes climbed by 15% to reach €365.8 million.

In spite of this, retail spending values are still 22.7% down from their December 2023 peak. Increases in social spending peaked around St. Patrick’s Day.

Avant Money increases extends cashback offer to €150

02/02/2024: Avant money have increased their cashback offer from €100 to €150.

New credit card customers who spend €500 in the first 3 months of their account opening can enjoy the new cashback amount.

The lender has also extended its €150 cashback offer to its ‘One card’ credit card.

Previously, cashback was only available with The Reward+ card, but now more customers can now avail of it.

Consumer spending up on 2023

25/01/2024: The Bank of Ireland’s Spending Pulse report showed that fitness, sports and health spending was up significantly on last year - with sports club spending up by 40%.

Despite the health push, cinema, restaurants, and fast food spending was also up - with moviegoers spending 32% more than in 2023.

The nationwide 9% rise in debit and credit card spending in January was repeated throughout Ireland’s counties, with consumers in Galway (+13%) and Longford (+11%) seeing the biggest rises.

Government Stamp Duty brought in line with financial year

20/01/2024: The Revenue has moved credit card stamp duty in line with the financial year. To facilitate the change, a reduced Government Stamp Duty of €22.50 was charged from 2 April 2023 to 31 December 2023.

From 1 January 2024, the Stamp Duty for credit cards and charge cards will revert back to €30 per year and per account

Banks and card providers usually collect the Stamp Duty on cards in arrears.

Our credit wise tips

A credit card can be a great spending partner when used wisely. Here’s our quick tips for managing your credit card to keep borrowing costs under control.

Don't miss payments

If you miss payments or pay late, you could incur penalties and extra fees on top of interest. If it happens regularly, it may count against your credit record and make future borrowing more expensive. Set up a direct debit and pay at least the minimum payment each month.

Pay your balance in full every month

When possible, pay your entire balance off in full every month. This way you’ll avoid paying interest on the borrowed money and pay off your debt quicker. If you can’t clear the outstanding balance, pay as much as you can afford when the balance is due.

Use for purchases not cash withdrawals

Whilst credit cards are a safe and convenient way to shop online or in stores, using your credit card for cash withdrawals can be costly. You’ll have to pay a cash advance fee and could get charged a higher interest rate.

Consider transferring your balance

If you have an existing card debt, consider a credit card with an introductory balance transfer deal. Moving your balance to a 0% credit card could cut interest fees and pay off your balance more quickly. Make sure you repay the debt within the discount period and avoid using your card for purchases.

Keep an eye on transaction fees abroad

It’s tempting to pay for everything by card on holiday. Paying with a credit card is easy, provides protection and saves juggling new currencies. However, foreign transactions and ATM fees abroad can quickly add up, leaving you with a hefty price to pay on your return.

Use a credit card comparison before you apply

It’s often easier to apply for financial products with your existing bank, but they don’t always offer the cheapest or most suitable deal for your needs. Find out how to pick the right credit card in our complete guide to credit cards and use our credit card comparison to search for the best offers.

What you need to know

Common credit card terms you may come across and need to understand.

What is the Typical APR?

APR is the annual percentage rate and indicates the total cost of credit, including stamp duty. Typical APR is the rate most borrowers are offered based on the average APR charged by issuers.

What is the minimum repayment?

It’s the minimum amount you must pay monthly towards your credit card balance. If you don’t cover it, you’ll be charged late payment fees, pay extra interest and could risk harming your credit score.

What is Government Stamp Duty?

Your card provider is responsible for collecting stamp duty on behalf of the Revenue. Your credit card account will be charged annually in April with stamp duty. It’s currently €30 per year.

What is a credit limit?

It’s the amount your credit card provider will lend you. Your credit limit is the maximum amount you can spend on credit and is based on your income, outgoings and credit history.

Typical Annual Percentage Rate (APR) is based on purchases of €1,500 and a credit limit of €1,500 plus annual Government Stamp Duty of €30. Data valid as of 24/05/2024