How To Find The Best Credit Card Deals Around

Finding the best credit card deals isn't always a walk in
the park. After all, it seems like every credit card
company on earth is insisting that they have the best deal
around. So how do you tell the really great offers from
those that aren't so great? Here are some things to look
for.

1. The Real APR

Don't let introductory rates fool you. The best credit card
deals offer great interest rates even after the
introductory APR has expired. With many credit card
companies offering fixed interest rates of less than 10
percent, taking out a card with a 0-percent APR that jumps
up to almost 20 percent after six months isn't wise.

2. Flexible Rewards

If you pay your balances in full each month, then you won't
really benefit from a low interest rate since you won't be
accruing interest anyway. That doesn't, however, mean that
you can't benefit from some of the best credit card deals
on the market. In your situation, a rewards card would
offer you a better deal.

When it comes to rewards cards, the best credit card deals
are the ones that offer generous rewards programs with
flexible redemption options. Gone are the days when you
could only redeem points at a specific time of year on
specific items. Nowadays the best credit card deals offer
cash back bonuses, flexible point redemption and sometimes
even double bonus and point opportunities.

3. No Annual Fee

Gone are the days when an annual fee was the norm. With so
much competition in the credit card market, don't even
think about paying an annual fee unless doing so provides
you with benefits equal to the cost of the card. The best
credit card deals don't require any annual fee at all while
providing the same perks associated with cards that
normally do charge a fee.

4. The Convenience Factor

The best credit card deals don't just offer low interest
rates or big rewards opportunities. The best credit card
deals also offer increased customer convenience. Apply for
cards that have online account access, electronic billing
and a grace period of at least 20 days.

With electronic billing and online account access, you'll
know the moment your statement is generated and the 20-day
grace period will ensure that you have ample time to pay
your bill before the due date rolls around.

While it's true that the massive number of credit card
offers out there can be overwhelming, finding the best
credit card deals doesn't have to be hard. It's just a
matter of knowing what to look for. Keep the above in
advice in mind and use it to determine where the best
credit card deals really are.

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avoiding getting taken, check out CreditCardTipsEtc.com, a
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advice and resources.
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