How to Find the Best Credit Card Rewards

Author: Max Anderson

If you're using a rewards credit card it's important to that you get the best credit card rewards possible. Why? Because if you're not putting your rewards to work for you, you're technically throwing money away. Here are some factors to consider when looking for the top rewards cards and redeeming your credit card rewards.





Who Doesn't Love Cash?





Some of the best credit card rewards have nothing to do with points or miles. The best rewards are often cold-hard cash -- and who's complaining? There's something to be said about getting paid to use your credit card. If you pay your statement in full each month, you won't be paying interest and you'll be getting cash back for each purchase you make. It's like getting paid for good spending habtis.





Double Your Rewards?





Oftentimes the best credit card rewards are rewards that can be doubled. Some credit card companies, such as Discover Card, allow you to double your rewards if you redeem them at participating merchants. For example, if you've earned $25 in rewards you'll be able to get $50 if you use your rewards at a participating store or website. It's a great way to get more mileage out of the rewards you earn.





No Limits





Not all rewards programs are created equal. The best credit card rewards are unlimited. Some credit card companies cap the amount of points, miles or dollars you can earn each year. If you want to get the most from your credit card spending, opt for a card that doesn't impose rewards limits.





Understanding Miles vs. Cash vs. Points





Credit card rewards come in different shapes and sizes. Some cards offer miles, others offer cash and others offer points. Finding the best credit card rewards means understanding how to compare the three different types.





Before opting for a points-based card, check to see how many points equal a dollar. To do this, look at a monetary reward (gift cards, etc.) and see how many points are needed to get that card. For example, if 2500 points are needed for a $25 gift card, it takes 100 points to earn $1. Miles-based rewards, as a general rule, are worth from 3 to 9 cents per mile depending on how you use them.





If you're going to opt for a rewards card, why not make the most of the rewards you get? While getting the best credit card rewards takes a bit of research and some proper planning, it will be well worth it when you see your rewards stretching further and further.

About the Author:

For more tips on the best credit cards, saving money and avoiding getting taken, check out the best credit card section at CreditCardTipsEtc.com, a website that specializes in providing credit card tips, advice and resources.

Article Source: http://www.articlesbase.com/finance-articles/how-to-find-the-best-credit-card-rewards-352400.html

Best Credit Card Offers

Author: Joe Boyd

There comes a time in everyone's life that capital is slim and you need to make certain you have enough money to pay the bills. Yeah, more than likely you've been there once or twice. It happens to the best of us. While there's nothing you can really do to make oodles of cash magically appear, you can always whip out the plastic.

Sometimes those nifty little credit cards come in handy. This way if you don't currently have the cash, you can always charge it. However, this doesn't mean that you want to apply for just any credit card. What you're after is the best credit card offers currently available from MasterCard, Visa, Discover and American Express.

Where would you go to find the best credit card offers and what is a good APR to consider? These are great questions and virtually anyone can get this right. First of all, if you truly want to find a variety of the best credit card offers at your disposal, you need to direct your attention to the Internet. Online you can easily search for the best deals on credit cards, regardless of whether it involves Visa, Discover, MasterCard or American Express. Whatever you do, don't simply settle for any credit card offer that comes with any annual percentage rate.

The percentage rates that are offered mostly are 18.9 for the most part and 16.8 if you're lucky and then when you read the fine print you see that this applies to everything your purchase. So basically every dime you spend gets hit with this terrible interest rate and you end up paying a lot extra on your purchases. Nobody with a sane mind would like this. You'll have to shell out quite a lot of cash in the form of interest.

Be sure to do your homework when searching high and low for the best credit card offers currently out there. Try their official websites first. This means you should go to MasterCard.com or Visa.com. See what's offered right off the bat. Naturally you can acquire a better rate and higher credit line dependent upon your income. There are numerous cards offers to select from.

About the Author:

Please stop by my Credit site, where you will find info about

Balance Transfer Credit Card and Bank Secured Credit

Article Source: http://www.articlesbase.com/credit-articles/best-credit-card-offers-527978.html

How to Get the Best Credit Cards for Balance Transfers

Author: Gordon Goodfellow

Transferring your credit card balance to a low rate, introductory offer card can provide immediate financial relief but it is important to spend time researching the best credit cards for balance transfers in order to get the best deal possible. Like any important decision, it can be costly to take up the first offer you come across. It is worth comparing the terms and conditions, interest rates (both introductory and regular), balance transfer fees, and ongoing fees and charges. Look at the whole picture in order to make the wisest decision.





The best credit cards for balance transfers will offer a long introductory period, low or no balance transfer costs, competitive interest rates at the end of the term and low ongoing fees and late payment penalties. Try for an introductory period of at least a year. Sometimes it is worth paying very low interest as opposed to no interest if the introductory term is significantly longer. This is particularly the case if other costs such as balance transfer fees and ongoing fees and charges are much lower. Taking a big picture view and making sure that you compare apples to apples and not apples to oranges will help you make the right balance transfer decision.





The easiest way to locate the best credit cards for balance transfers is to do an internet search. Specialist credit card websites that offer comparisons of a variety of different introductory credit card options make it easy to research, compare and apply for these cards. Most of them also have online application forms. This convenience can defeat the procrastination that can easily result from working hours and commitments that make it hard to attend traditional appointments. You can apply from home whenever it is convenient.





To gain maximum advantage from transferring your balance, make the most of your introductory period and pay as much of your interest savings as possible off your credit card balance. If you do this, at the end of your introductory term you will have a much lower balance and perhaps even have paid it off entirely. However, if you still owe money, you can go through the process again of locating the best credit cards for balance transfers and apply for another introductory rate card. By choosing longer introductory term cards, you not only give yourself longer to pay down debt, you also give yourself space before you have to apply to transfer your balance again.





By initially investing time and energy in finding the best credit cards for balance transfers, comparing offers and deciding on the best option for your financial circumstances, you can make the most of this wonderful opportunity. Not only can you de-stress your budget, you can also pay down debt a lot more quickly and put yourself in a much better financial position for the long term. After all, becoming debt free as well as immediately increasing disposable income are the primary benefits of balance transfers. The secondary benefits are lower stress levels and often improved relationships because financial problems are being dealt with. The only regret you are likely to have from this decision is that it took you so long to get around to it.

About the Author:

Our credit card site shows you how to get the best credit cards for balance transfers which remain interest-free for years. The associate site offers UK credit card balance transfers in the UK. Download free 0 APR credit card software and get 0 interest credit for years.

Article Source: http://www.articlesbase.com/credit-articles/how-to-get-the-best-credit-cards-for-balance-transfers-386343.html

Finding the Best Credit Card for Your Credit Rating

Author: Craig Thornburrow

When you are in the market for a credit card it is important that you find the best credit card for your specific situation. Banks and credit card companies have really begun to tighten up on who they will actual extend credit to so it is important that when you start applying for one that you apply for ones that your credit rating will get accepted for. Otherwise you are not only wasting your time but you are hurting your overall credit worthiness.





If You Have Good to Excellent Credit





When you have this high of a credit rating then you can apply for any card you want and creditors will be happy to extend you credit. You can also be choosey about the type of card that you want to carry. For example if you want a card that has no annual fee then with your rating you can either only apply for those that offer this option or you can even negotiate the term with your current company. The bottom line for you is that you can apply for and receive virtually any card that you want.





If You Have Fair to Good Credit





When you fall into this category you need to be careful which cards you apply for. A great suggestion for you is to go on the internet and look at the lender's website. They will tell you exactly who should and who should not apply for a particular card. If the lender says only for excellent credit then look elsewhere and find one that you will more than likely qualify for. You will qualify for credit cards; you will just not have as many options as someone with stronger credit.





If You Have Bad to Fair Credit





When you are applying for a credit card you really need to do some research. Your credit worthiness is already suspect and applying for cards that you don't meet the lender's standards for will only make you less credit worthy. The good thing about your situation is that there are plenty of companies that specialize in cards just for people in your situation. You will need to really read what the companies are offering however because these cards tend to have many fees attached to them.





With bad credit finding the best credit card to help you improve your situation is what you should be looking for. For example find a company that reports to all three major credit bureaus. This way as you pay your monthly bills on time your rating will begin to go up. Then the next time you need to apply for credit you will have far more options then you currently have.





When applying for credit cards it is very important to apply for those that you can actually qualify for. Over reaching will only give you more denials on your credit report which will hurt your credit worthiness. Finding the best credit card for your specific situation is paramount be for you actually apply for one.

About the Author:

Craig Thornburrow is an acknowledged expert in his field. You can get more free advice on credit cards and the best credit card rate at http://www.creditcardlaunchpad.com

Article Source: http://www.articlesbase.com/credit-articles/finding-the-best-credit-card-for-your-credit-rating-379887.html

All About Choosing the Best Credit Card

Author: William King

Michael, 25 years old and working in United States for past one year was on the verge of going bald from trying to figure out the best credit card among the tons of emails that he received almost daily about the "pre approved credit cards". Chances are that you too maybe going through the same dilemma of choosing the right credit card. As choosing the right credit card is not such an easy task as it looks at the first go, it becomes essential that you know some of the important points before you eventually purchase the best credit card for yourself.





Most of the credit cards, which call themselves as the best credit cards, come with almost the same features, offering more or less the same rate of interest. In such a case, getting the best credit card becomes even more of an ordeal for the buyer. However when the rate of interest is more or less the same, one should look for incentives offered by the various card companies in order to get the best credit card. Incentives and rewards can be of various kinds; depending on them you can opt for the best credit card. For instance you get reward points for every purchase that you make from the credit card and these points are redeemable from certain stores and outlets.





Then there are cash back incentives. This definitely is a strong criterion for the best credit card. According to this scheme, you get a percentage of cash back at every purchase that you make. You can also convert your redeemable points into discount for various airline flights. Most of the buyers make the mistake of thinking that the reward schemes are mostly similar whereas the difference in schemes offered by different card companies is extensive. So first of all do your research about different reward schemes and then choose the best credit card.





Nowadays banks have started offering balance transfer credit cards, which are becoming increasingly popular for people deciding on the best credit card for them. Balance transfer cards allow you to consolidate you debt onto one card, thus helping you save on interest payment, hence recommended by experts as the best credit card for debtors.





Getting the best credit card wouldn’t be a difficult task when loaded with the right information. So research about the incentives and other schemes and then only go for choosing the right credit card. It might take a little time but at least you can be sure that it’s the best credit card.

About the Author:

William King is the director of Wholesale Pages UK: http://www.wholesalepages.co.uk , Dubai Property & Dubai Real Estate in UAE: http://www.bayut.com , and Pakistan Real Estate & Property Portal: http://www.zameen.com . He has 18 years of experience in the marketing and trading industries and has been helping retailers, entrepreneurs and startups with their product sourcing, promotion, marketing and supply chain requirements.

Article Source: http://www.articlesbase.com/credit-articles/all-about-choosing-the-best-credit-card-188973.html

How To Apply For The Best Credit Cards

Author: Gordon Goodfellow

The best credit cards on the market are those with the lowest interest rates and lowest ongoing fees and charges. It is even better if you can get a low (or zero) interest rate introductory period. For people who are struggling with credit card debt, these introductory rate cards can be a great solution to high monthly credit card costs. The introductory periods tend to range between three to fifteen months and the longer the low or zero interest period, the greater the benefit.



Credit card providers offer these special deals in order to attract new customers who will, at the end of the introductory period, pay full interest rates. However, there is no reason you cannot transfer your balance to another introductory rate card before interest charges kick in. After all, your goal is to pay as little as possible in charges and to keep as much of your own money in your pocket as possible.



It can be hard to find the best credit cards from such a large range of offers. If you are looking to reduce your current payments on credit debt then the best deals will be those that have a long interest free period, low balance transfer fees and low ongoing fees and charges. If you intend to keep your new credit card at the end of the introductory period then you will also need to choose a card with the lowest normal interest rate. If you can find a credit card with a zero or low rate period of at least twelve months you will make the most savings.



The best credit cards will save you thousands of dollars in interest. However, there are so many credit cards and special offers on the market that it can be difficult to find and evaluate them. The quickest and easiest way to do this is to use a professional online credit card service. These one-stop-shop websites research many of the deals on the market and provide a selection of the best for you to choose from. They show clear comparisons to help you further and even offer online applications.



As well as offering a comparison between the best credit cards, some of these sites also offer a reminder service to let you know when your introductory period is ending so that you can transfer the balance to another introductory rate card if you want to. This is an enormous benefit if you still have a significant credit card balance and wish to benefit from a longer interest free (or low rate) period.



Balance transfer cards are not the only credit cards that offer interest free introductory periods. You can take advantage of introductory offers with a number of cards without having to transfer current credit card balances. These cards usually offer zero or low interest on purchases for a specified period of time. No matter what your reason for applying for a new credit card, the best credit cards will give you the greatest benefits. They will keep ongoing payments as low as possible and allow you more financial flexibility. It is therefore important to take the time to carefully evaluate the options available to you. If you do this, you will protect your budget from credit card related stress.

About the Author:

Our site shows you how to get the best credit cards online and to get 0 interest credit cards online. The associate site offers credit card balance transfers UK.

Article Source: http://www.articlesbase.com/credit-articles/how-to-apply-for-the-best-credit-cards-504304.html

The Top 10 Best Credit Cards on the Market

Author: Max Anderson

If you're looking for the top 10 best credit cards, look no further. I have the list. For the lowest interest, best introductory offers and highest rewards, these credit cards top the charts. Want to make sure you're carrying the best of the best? Here's the cards to look for...

1. Blue from American Express
Topping the list of our top 10 best credit cards is Blue from American Express. Not only is this one of the only American Express cards available without an annual fee, but it also offers a 0% intro APR for 15 months, a lifetime balance transfer APR of 4.99% and rewards points redeemable for travel, merchandise and more. 2. Discover More Card

Discover cards have usually been associated with higher interest rates, but not the Discover More card. Not only do you get a 6-month 0% intro APR, when the intro period is over your rate can be as low as 10.99%. Add that to the fact that you get up to 20 percent cash back from participating retailers and it's not hard to see why the Discover More card is one of the top 10 best credit cards out there.


3. Fidelity Investments 529 College Rewards Card
How would you like a credit card that helps pay for your kids' college education? That's exactly what this card will do. You get 1.5 percent of every dollar you spend on the card placed into a 529 plan. With the increasing cost of college, we couldn't help but add this one to the list of the top 10 best credit cards out there.


4. Orchard Bank Platinum MasterCard
If you have great credit, the orchard bank card probably isn't anything special. However, if your credit isn't the best then this is definitely the best of the top 10 best credit cards out there. The Orchard Bank card is easier to qualify for than most other credit cards and for a bad credit credit card, the interest rate and fees are very reasonable.

5. Simmons First Platinum Visa
If you're looking for a no-frills credit card with an unbeatable fixed rate, you'll see why the Simmons First Visa Platinum makes our list of the top 10 best credit cards. The low fixed rate is just 7.25% and there's no annual fee, which is rare when it comes to fixed-rate low-interest cards.


6. Chase Freedom Cash Visa Signature
When it comes to rewards cards, the Chase Freedom Cash Visa Signature is hard to beat. When you make your first purchase, you get $50 and then you get 1% to 3% cash back for all of your other purchases. When you earn $200 in rewards, you get another $50 bonus. With such generous rebates, this card is definitely one of the top 10 best credit cards on the market.


7. Pulaski Bank Visa
When it comes to a low fixed rate, you can't beat this card. Pulaski Bank Visa makes it to our list of the top 10 best credit cards because of its generous 0% 6-month intro rate and its unbelievably low fixed rate of just 6.5%.


8. The GM Business Card from Chase
If you're looking for a great business credit card this one just might fit the bill. The GM Business Card from Chase offers 3% earnings on all fuel purchases and 1% on all other purchases. You also get a $600 credit on your card each time your company leases or purchases a GM vehicle through the GM Business Choice program.


9. Chase Amazon.com Platinum Visa Card
Are you a frequent Amazon.com shopper? If so this card is a must. You earn 3 points for every dollar spent at Amazon.com and 1 point for every other dollar spent with the card. When you earn 2500 points, you get a $25 Amazon.com gift certificate.


10. Citi mtvU Platinum Select Visa
If you're looking for the best student credit card in this top 10 best credit cards list, you've found it. The Citi mtvU Platinum Select Visa doesn't just offer no annual fee, a competitive interest rate and rewards points for every purchase you make, but it also offers bonus rewards points for paying your bills on time, staying within your credit limit and keeping your grades up.

When it comes to credit cards, there are the good, the bad and the ugly. Using the above list of the top 10 best credit cards available, you can avoid the bad and the ugly and have nothing but the best in your wallet.

About the Author:

For more tips on the best credit cards, saving money and avoiding getting taken, check out the best credit card section at CreditCardTipsEtc.com, a website that specializes in providing credit card tips, advice and resources.

Article Source: http://www.articlesbase.com/finance-articles/the-top-10-best-credit-cards-on-the-market-333408.html

Finding The Best Credit Card Offer

Author: Mario Churchill

There are lots of companies and banks that offer credit cards. There are so many different kinds of credit card that are available in the internet as well. Many people are engage to apply in credit card because they don't need to carry a big amount of cash. They can also buy even the expensive item using the credit card. But using credit card should be handed cautiously.

Many people fall from debts and ends up with financial problem due to excessive use of credit card. Before applying for a credit card be sure that you can handle it and be able to settle your credit in due time. Credit card could hardly affect your financial capacity for many years. So to be able to cope up with lots of debts go with the best credit card offer.

Now how would you know what offer is the best for you? The one thing that you should look for when choosing a credit card is the APR. Many economic specialists agree that the best credit cards are those who offer the lowest interest rate in carrying a balance. You will pay a low amount if your APR has a low interest rate. Getting a credit card with low interest rate can bring a large difference between savings and long term debt.

Finding a credit card with low interest rate may be difficult if it is your first time you apply in credit card and you have a little or no line of credit. In cases like this, there's some or other credit card that is suitable for you. In situation like this, the credit card you'll get will have a high interest rate. You could just apply for a lower interest rate when you have established your credit.

You would always get good offer from different credit card banks and companies that seem unbelievable. But before signing the contract you should researched first. Look for the best credit card that has a good offer. If you take some time to compare different companies, you'll be able to get the one that suits your needs.

But before you apply for a credit card make sure you had understand all about the card's policies, terms and conditions of the company. Look for reward programs, interest rates, and characteristics. It is important to make a list of characteristics that you want in a credit card. Look for a credit card that has the best deal in different areas.

Be careful of introductory offers. Many credit card companies offer great introductory deals when you apply for credit card. It is good to take advantage with these great deals but be cautious. Make sure the terms won't change unexpectedly after the period of introductory offer has ended.

In applying for credit card you will fill out forms that ask for your personal information. You would also provide information such as the employer's name, address and your income. You also fill up information about fees, interest rates and other charges and ask to sign saying you agree to those terms.

Just keep in mind that applying in credit card needs a thorough understanding of terms and conditions. Also be honest with the information that you give. The most important thing is that you can handle all the payments in due time so that you wouldn't have problems paying your debts.

About the Author:
Mario Churchill is a freelance author and has written over 200 articles on various subjects. For more information on a credit card or the best credit card checkout his recommended websites.

Article Source: http://www.articlesbase.com/finance-articles/finding-the-best-credit-card-offer-89321.html

What is the Best Credit Card for You

Author: Craig Thornburrow

Everyone knows that the credit card market has tightened so it is important that when you are looking for a new card that you only apply for the best credit card for your specific situation. To make sure that you are going to be approved for the credit card it is important that you understand your needs and your credit score. The FICO score is how most credit card companies determine first if you will be approved and second what your credit limit will be.

The last thing that you want to do is apply for a card that you have very little chance of being approved for. Each time you do this you lower your credit score making you a less attractive prospect for credit. So take an honest look at your credit first and apply for only the best credit card for your situation. For example, if you have an excellent credit rating you can apply for and get approved for almost any card. However if you have a poor credit rating then you are going to really need to read the card company's specification about who can get accepted for their cards.

Here is what many of the companies are looking for in a credit prospect. First, they want to see if you are a stable person. They will check this in two ways. First they are going to look at your employment history; they want to see that you have worked for the same employer for over one year. Next, they are going to look at your home addresses; they are looking to see if you have lived in the same home for over two years. If you are constantly changing jobs or moving this sends up a "red flag" and many companies will steer clear of you.

The next thing they will be looking at is the amount of debt you are currently carrying. This means that when they look at your credit report they will look at the balances of all your accounts. If you have very high balances in ratio to your credit limits this is going to scare off a lot of companies. For example if you have several credit cards that are very close to their credit limits, credit card companies will frown on this. Your cards should have less than 30% owed on them in this current credit environment.

Another thing that they will look at is how much credit you have access to. For example let's say that you have a home equity line of credit for $150,000 and 5 credit cards with $15,000 credit limits and you currently have no outstanding balances, that means that if you went crazy and spent to where you were maxed out you would have access to $225,000! So the lender you are applying to will weigh your access to your ability to make payments on it. So when you are ready to apply for a new credit card it is important to apply for the best credit card for you unique situation.

About the Author:

Craig Thornburrow is an acknowledged expert in his field. You can get more free advice on credit cards and the best credit card deal at http://www.creditcardlaunchpad.com

Article Source: http://www.articlesbase.com/credit-articles/what-is-the-best-credit-card-for-you-425968.html