Is it impossible to live in the UK without a business credit card? Pretty much - buying online or over the phone is often impossible without one, even debit cards are sometimes not accepted. If you are going to be a smart card user then you might want to go for a balance transfer, and the sum that you transfer usually gets a lower interest rate. But do check when transferring money whether there are any fees. Another attractive idea if you are making large purchases is a 0% credit cards - this way you can buy your new sofa and pay no interest for a fixed period - sometimes this can be a year. The best place to compare credit card deals is at cardfusion.com to find the best card for you.