Top Best Miles Credit Cards

If you are looking for a credit card that will add extra miles to the frequent flayer program you participate in, you definitely need to pick one of the miles credit cards. If you don’t participate in any airline program it is not a big deal, because a lot of credit cards offer you flexible miles that can be redeemed for a flight, car rental or other travel merchandise.

Normally you get 1 mile for each dollar you spend and you get extra miles for shopping at selected online stores. Some miles credit cards also offer you huge sign up bonus that can be from half to the whole price of domestic flight. Frequent flyers credit cards seem to be very attractive especially if you travel a lot. But you should not forget about the annual fee that is charged by some issuers.

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Top Best Interest Free Credit Cards

If you are shopping around for a new credit card you should definitely pay attention to credit cards with 0% interest. Though such generous offers last for introductory period only zero percent credit cards are excellent way to save some money. 0 APR cards attract a lot of new customers to banks but unfortunately they are available for people with good credit score only.

When you apply for 0% interest credit cards, you should pay attention at the duration of introductory period and regular APR. You should also evaluate the annual fee and rewards program. If you are going to transfer the balance to the new card check the rates and fees for balance transfer cause they can be different from purchase APR.

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The Lowest Interest Credit Cards

We are also looking for the lowest interest rate credit card, but from year to year credit cards with low APR are becoming rarer. Low APR can be a big deal if you tend to carry high balance on your card. When you apply for a low rate credit card you must check whether it’s during introductory period only or it is regular APR.

While banks are trying to make more money in tough economy, credit cards with low APR are becoming available for people with excellent credit score only. If you suffer from bad credit history, the lowest APR is not for you. If you are looking for low rate cards check your local credit unions. The average credit union APR is lower than the banks one, but they don’t offer much rewards and not everyone can apply.

We’ve selected the lowest regular APR cards along with the longest introductory periods: Continue reading »

Top Best Credit Cards for Balance Transfer

Balance transfer credit cards can save you much money due to lower or 0% interest. Today’s consumers tend to use their credit cards more wisely, that is way 0 balance transfer offers are becoming more and more popular nowadays. It can be a huge a relief when you find out the card that will reduce your monthly payments and make you debt free faster. Although most cards offer a balance transfer option, not all of them worth it. We have found the best 0 balance transfer credit cards for you.

Well, 0 APR will not last forever, but it can be beneficial to use such offer at least for the limited time – the longer, the better. And then if your APR can be dropped from 25% to 15% – your annual savings can be huge. The only weird thing about best balance transfers credit cards offers is that your credit score must be good or even excellent.
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Top Best Credit Cards with Cash Back

Credit card cash back seems to be the best reward that one wants to earn for spending money. Issuers are not so generous as they used to be, but we’ve selected the best cash back credit cards to apply for. They will not only bring you money, but also have the lowest annual fee and reasonable interest rates. Such cards require good or excellent credit score, so not anyone can get them.
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Best Rewards Credit Cards

Best Rewards Credit Cards

We have found the best rewards credit cards that are available now. Credit cards with rewards allow you to earn points, miles or cash back for all your purchases. If you already use a credit card for everyday shopping, such card can bring extra cash to your pocket or save money on a vacation trip. The variety of programs allows anyone to find a card that meets his or her lifestyle, needs and expectations. But you should be aware that such cards require good or excellent credit score, so not everybody can get them.

The main drawback of rewards cards is annual fee and higher APR. The annual fee can be up $300, but we recommend choosing more reasonable programs. They also can have higher APR comparing to credit cards without rewards. Another disadvantage is that in fact not all the earned points can be redeemed – due to fine print a reward program can have limitations and points can expire soon.

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