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Compare the best credit cards from the leading credit card providers in Ireland.
How to compare credit cards
bonkers.ie makes it easy to compare and apply for credit cards in Ireland.
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What you need to get started
Knowledge of your needs
Financial history
Relevant ID (for student credit card)
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Things to consider
Rules
- There are risks associated with credit cards so follow these rules to avoid undesirable outcomes:
- Pay off your balance each month and on time
- Stay below your limit
- Track your spending
Interest
Pay attention
Credit card rewards
Cooling off period
You can cancel your policy within 14 days without penalty.
This is known as the cooling off period. Check the terms and conditions for information on potential fees.
EXPERT TIP
Stay on top of repayments
When choosing a credit card, interest rates are the key thing to consider. But some cards also come with perks like cashback on purchases, air miles, and travel insurance which can be useful.
Regardless of the card you choose, always try to clear your balance in full and on time each month to avoid paying any interest. And if you can’t clear the full balance, pay off as much as you can — don’t just go with your bank’s minimum repayment amount.
Daragh Cassidy
Consumer Expert at
As featured on
Your questions, answered
Is it worth getting a credit card in Ireland?
Yes, for many people, a credit card can be a valuable financial tool. It offers convenience for purchases, can be a safety net for emergencies and helps you build a positive credit history. However, it's only worth it if you manage it responsibly and avoid accumulating high-interest debt.
What's the best credit card to use in Ireland?
The 'best' credit card depends entirely on your individual needs. For those who pay off their balance monthly, a rewards card might be ideal. If you need to spread the cost of a large purchase, a 0% purchase card could be better. Compare options based on your spending habits and financial goals.
Who is eligible for a credit card in Ireland?
Eligibility typically requires you to be over 18, an Irish resident and have a stable income. Lenders will also assess your credit history through the Central Credit Register to ensure you have a good track record of managing credit responsibly and effectively.
What do you mean by 'credit'?
In finance, 'credit' refers to the ability to borrow money or access goods or services with the understanding that you will pay for them later. It's essentially a loan from a lender to a borrower, based on trust in the borrower's ability and willingness to repay.
What is credit vs debit?
'Credit' means you're borrowing money from a lender which you'll repay later, often with interest. 'Debit' means you're spending your own money directly from your bank account. A credit card uses credit, while a debit card uses your own funds.
Which credit card is easiest to get approved on?
Generally, cards with lower credit limits or secured credit cards (where you provide a deposit) might be easier to get approved for, especially if you have a limited credit history. However, all applications are subject to the lender's assessment of your financial situation and credit report.
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