American Express is one of the well-known card providers that
offer low APR. The introductory is 0% APR up to 15 months on
some cards, and includes low balance transfer APR. The transfer
is 3.99% fixed rates for life on few American Express cards. Few
cards offer free reward programs enabling the cardholder to earn
points and redeem the points for products, travel, hotels and so
forth. Many of the cards offered have no annual fees.
The Citi Platinum Select has 0% APR introductory on purchases
and balance transfers. The 0% APR will not be relevant to cash
advances on some cards. If the cardholder fails to make payments
on time then the 0% may be subject to change. Few cards have no
annual fees or balance transfer fees during the introductory.
Chase cards have a 5% on purchases and 0% APR up to one year.
The cardholder can receive 1% cash back on additional purchases.
Chase like many other cards offer a variety of cards; therefore,
you should review them all before making a decision.
HSBC MasterCard Offer an assortment of manufactured goods to
choose from if the cardholder qualifies upon the completion of
the "Pre-qualified form." Few cards offer 0% APR and may not
apply to the cash advances. If the cardholder fails to make
payment during the introductory, or else goes over the cards
limit, the APR may increase up to 18.74%. Other fees are
included on balance transfers. Be sure to read all details on
any credit card considered to avoid overcharges.
Discover Platinum Cards also offer 0% APR introductory up to one
year. There are no annual fees, 5% cash rewards, 0% fraudulent
liability and limitless cash rewards of 1% on other purchases.
The card lenders offer double rewards to customers purchasing
products from name brand companies. Stop right here! If you are
paying twice the amount for a similar product at full price, the
double rewards may not be worth your time. In other words, if
you buy name brand clothes you will pay nearly double, or triple
sometimes for the product. Therefore, you are spending more than
you will make back in most instances, and then you will pay APR
charges on the purchase. The card lenders may also charge fees
on banking processes or internet purchases therefore make sure
you read all information about the card before applying, since
some card companies offer misleading information. Some of the
misleading slicks may include, FREE online accounts.
Some American Express lenders offer 0% APR introductory, no
annual fees, flex pay, and low balance transfers up to 4.99%.
Notice this type of card has 'flex pay.' Flex pay cards are
great, since if you do not have the cash when the payments are
due you can pay minimum without suffering penalties. The rates
on transfers are not as steep as some other cards.
AT&T Universal Platinum Cards offer additional benefits that
many other cards do not. The card starts cardholders' out with
0% APR on purchases and balance transfers up to one year. The
card enables cardholders' to save money on their phone bills,
and offers '2-free directory assistance" plus '30-free' minutes
on phone calls each month. This means the cardholder can use the
phone 30 minutes each month to call anywhere he/she likes. The
Protection against Fraud is also rewarding, since the liability
is zero. The company will send early alerts if the card has been
violated. The cardholder also has coverage on wireless phones,
including coverage for loss, or theft. The company will
reimburse the cardholder.
AT&T offers Internet "account management, 24-hour customer
support, and free annual summaries on accounts. Here is the
downside on a well-rounded card that appears to offer extreme
rewards. There are stipulations on wireless phone coverage. This
means you may be liable to pay fees if the phone is replaced.
The Variable rates after the introductory has ended are
relatively low. The APR is 10.63%. Cash advances include APR up
to 21.63%, which is high. Defaults are subject to high APR
charges, up to 31.13% and other charges are posed in the AT&T
agreement.
About the author:
Tony Robinson is a careful and experienced credit card user, He
is also a Webmaster and International Author. Check out his
credit card tips at
http://www.ezy-credit-card.com/
