The best credit card offer is going to provide you with an 0% introductory APR for 6 – 12 months at which point it will increase to a regular APR of roughly 12%. You should ensure your card does not require you to pay an annual fee.
These cards require you to have good credit, roughly a 700 or higher score. From this position you are able to pick and choose what card is best suited for your spending habits.
You will be able to get a points, rewards, or cash back credit card. As a result of all the offers available to you we have broken them down by category.
Points Earning
These points or rewards credit cards will give you access to a rewards program. You will earn approximately one point for every dollar you spend, you can then redeem your points for travel,dinning, hotel reservations, airfare, purchases, and even cash back. If this is your main concern it would be a good idea to see where you are using your credit card most often.
This is because many of these offers provide incentives to make certain purchases. For example: with one card you may be able to earn 3x as many points for all your gas purchases.
These cards will vary, however if you know where you are using your card most frequently you can find an offer to match. Additionally you need to decide how you want to redeem your points as some cards will provide you with cash back or more advantageous reward program if you use your points for travel.
0% Balance Transfer
If you currently have a balance on a high interest or even a regular interest bearing credit card it would be wise to find an offer with a 0% balance transfer. This 0% will typically range from 6-12 months and can save you a bundle of money on interest charges.
Low Interest
The lowest regular APR we have seen is a right around 10%. These cards will often provide you with a 0% intro APR on purchases and / or balance transfers. We have seen good cards have APR% as high as 17.9%, so if this is your concern do your homework and make sure you have the right offer.
All these credit cards for good credit will provide you with some extra benefits such as a Zero Liability Policy which will protect your account in case your card is lost or stolen. Some offers provide 24/7 roadside assistance and of course 24/7 online account access.
Additionally there will be an up front promotional offer to try and get your business such as double points the first six months or a cash back offer, and we have also seen airline tickets offered. Make sure to not get to overwhelmed by an initial offer when you apply for a credit card you will typically be a card holder with that issuer for life.
Lastly, make sure to do your homework with the reward program. Make sure that your points will never expire and there are not restrictions on purchases or travel.
