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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