Welcome to our Payment Cards area. There are so many different forms of credit card that it can be confusing to work out what you need. Which Way to Pay presents the information you need in a clear and concise way so that you can easily find the payment card you are looking for. Make sure you shop around and look at the detail in order to find the best payment card for you.


Compare Card Products

Here you can compare a wide variety of credit card and prepaid card companies. To go directly to the payment cards comparison areas, click on the links below.

Credit Cards

Credit cards are one of the most popular financial products in the world. A large number of US citizens have at least one credit card which they use as payment cards. Whether you are looking for new payment cards to update an old one, for a balance transfer of existing cards or are a first-time card user, it can seem like a tough job to wade through the credit cards market.

With our comparison service you can see credit cards at-a-glance and look at the most important factors with each one. So regardless of what card type you are looking for you are sure to find a good offer here.

Reward Credit Cards

Reward credit cards have become extremely popular in the US and there are now lots of offers to choose from. Reward credit cards are payment cards which allow you to shop just as you did before – but receive great benefits for doing so. You can collect airmiles, enjoy bonuses and other excellent great schemes and programs.

Aside from the rewards element of these types of credit cards, they are just like any regular credit card: variable APR, balance transfers, purchase periods and credit-building. Use your reward credit card to pay for goods and services in stores, online, in restaurants and anywhere in the world that accepts your card type. Compare reward credit cards today to get extra benefits without changing your spending habits!

Business Credit Cards

Looking for a way to better manage your business? Even if you are a small business owner, you can find that business credit cards are a great way to manage your expenses, deal with cash flow and even offer rebates.

There is a wide variety of business credit cards on the American market – all you need to do is find the one which suits you and your business best. You may need to prove a good credit score (for yourself and/ or your business), but you can benefit from great features including cash back, additional cards for employees, customized credit line, rewards-collecting and more. Get your business to the next level – compare business credit cards today.

Charge Cards

Many people use the term charge card to describe a regular credit card, but in fact they are different types of payment cards. Charge cards are credit cards that either carry no credit limit or a very high one and no interest, yet the balance must be paid in full at the end of each month. So, if you have an excellent credit score and want more freedom then charge cards can be a great alternative to regular credit cards. Because you are paying off your debt at the end of each month, you can put more expenses on the card.

Charge cards offer great benefits, including reward programs or bonuses – you could get free upgrades on air travel and hotels, free membership in elite travel programs or benefit from better car rental. You may even receive free insurance coverage with charge cards.

Student Credit Cards

Being a student can be a great time– your career is ahead of you, your studies are (hopefully) interesting and you are starting the first step of an independent life. Financially, it can be a big weight to bear. While you are giving out money for all kinds of things – rent, study material, field trips, entertainment, college fees – you are not able to earn as much as others. Student credit cards can be one option to help ease the financial strain and can be used to start to build up your credit score.

Student credit cards are credit cards aimed specifically at young people in college or university. Generally they will carry benefits for you if you use the card wisely and responsibly – such as an APR reduction on purchases or cashback bonuses. Start your road to a healthy credit score and improve your future chances of getting ahead!

Poor Credit Rating Credit Cards

Poor credit rating cards are credit cards aimed at people with a low credit score. You may be one of millions of regular Americans that have been turned down on an application for a credit card – with Poor credit rating cards, you could receive the card you want and need. There are lots of offers for poor credit rating credit cards in today's market, though you may not always be immediately aware that they are aimed at people with a poor credit score.

Poor credit rating cards often carry additional features to help you – these might include a useful credit building feature. Perform well with the card (in other words, pay off your balances on time) and you could help yourself by building up your credit report. Enjoy financial freedom with a poor credit rating credit card!

Secured Credit Cards

Secured credit cards are credit cards that offer you the chance to build or rebuild your credit score, however, only if you use the card responsibly. The difference between a secured credit card and a standard credit card is a secured credit card requires a security deposit which you need to provide before you can access credit. This security deposit is held as collateral for your account and is completely refundable. In most other ways, secured credit cards operate just like a standard credit card. You will receive a monthly bill that you must pay on time every month or you will incur interest and penalties. At the same time, if you miss a payment the secured credit card provider will report this to the credit bureaus, just like a standard credit card.

As with any credit card you could be declined and this is no different with a secured credit card. You do still need to meet certain criteria to be accepted for a secured credit card, for example you will require a bank account. As soon as you have been approved for a secured credit card, you will need to pay a security deposit and then your account will be opened. Remember you will only get your refundable deposit back if you close your account and pay back your balance in full.

Prepaid Cards

Prepaid cards have been on the US market for some years and are now becoming more popular in Europe and other regions. As an alternative to normal credit cards, prepaid cards give you a useful way to pay. You can choose from a huge variety of prepaid cards - gift cards which you can load with funds and give as a present to someone else, 'payroll' cards for receiving your paycheck, reloadable cards and many more.

Usually prepaid cards are issued by Visa® or MasterCard® and can therefore be used pretty much anywhere in the world – without the risk of debt!

Gift Cards

It couldn't be easier to pick a gift for someone, with prepaid gift cards. Offered by all the top credit card firms – including Amex, MasterCard and Visa – prepaid gift cards are perfect for all occasions. Some card firms even offer business gift cards, ideal for companies that want to promote a certain product or customer incentive.

Gift cards are accepted widely, and you can load up to several thousand dollars – the choice is yours. The recipient can then enjoy the card for making purchases online, in stores or even in restaurants and will thank you for your clever and innovative gift!


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Serving For our Country is a fantastic honour , Military Loans are now available for you .
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Allowing the People fighting on our front line something back. Military Loans
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Check Out our latest new product range added to Which Way To Pay: Secured Credit Cards