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Oli
works full time as a Market Analyst.He
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He can help you to grow your computer
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How to Find the Best Low APR Credit
Cards
Low
APR credit cards are much more prevalent than in years past.
Competition is stiff and credit card financial institutions
offer many nice perks, rewards, points, low annual percentage
rates (APR) and other inducements. They want to capture new
customers who've never had a credit card but also those who
already have a credit card and might like to save money by
transferring that card's balance on to their new low APR
credit cards.
Of
course, there is nothing lower in an APR than zero - and those
exist too, although sometimes for a limited time period. It
may be that the lowest, or even the zero percentage APR is for
an introductory period, after which the rate is higher. The
permanent APR is what you want to watch out for, of course.
Although if you're not opposed to doing a lot of switching,
you can always purchase a low APR credit card, or zero
percentage APR credit card, transfer the balance from your
current high APR credit card, and then, once the introductory
time period has expired and the APR is about to go up on your
newest credit card, transfer the balance yet again to a brand
new low APR credit card.
Let's look
at a few of the low APR credit cards out there, so you know
what kinds of options are typically available to you.
Citibank,
for example, offers low APR credit cards that give you five
percent cash back on any purchase you making at grocery stores
and gas stations with your low APR credit card, and one
percent back for any purchase elsewhere. The APR on transfers
is zero for the first year. If your transfer transaction is at
least $1500 you will earn $5 cash back with the low APR credit
card. There is no annual fee and the APR after the first year
is 12.24 percent.
Discover
has a platinum clear card whose low APR is continual. The
first year the APR is zero, but after the first year it's
still a very competitive 9.99 percent. And there is no annual
fee. With these low APR credit cards you earn a five percent
cash back bonus on purchases made from hardware and home
improvement retailers, restaurants, book vendors, and gas
stations. If the retailer doesn't qualify you for the five
percent discount you will always get one percent back no
matter what you buy and from where with this low APR credit
card.
Chase Bank offers low APR credit cards as well. Its zero
percent APR is good for six months, after which you will pay
10.49 percent. These low APR credit cards have no annual fee,
and offer rewards at the rate of one point for every dollar
spent with your Chase card. You can get free airline flights
and hotel rooms, as well as cruises and auto rentals. This
card also provides $500,000 worth of travel insurance for
worldwide vacationing. You can also take advantage of a
fifteen percent discount off a Hertz car rental with these low
APR credit cards.
Read more:Click Here!
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