This post is not meant for you to smile at your credit card, although you might just do so after reading this full post. Practically, you would be smiling when you look at what the Smile’s credit card has to offer you. Being the ‘best credit card’ for four years, it is no doubt that they have something that other credit card providers does not. They have previously won the Guardian Consumer Finance Awards for the year 2002, 2003, 2004 and 2005.

You can choose between 2 cards from Smile. The classic card or the gold card. Not to misunderstood by the colour that determines the limit of the card, Smile does it a different way by providing a significant difference in both of the card’s features. The silver card gives you a cashback of 0.5% from all your purchases but charging on a higher rate on your card balances of 13.9% APR. On the other hand, the gold card does not give you the cashback, but rather, charge you on a lower rate on the balances at 9.9% APR. Following this information, you can always choose the correct card depending on your card usage habit.

This post is sponsored.