credit cards
Why pay very high interest charges just to get some cash in your hand? To a certain segment of disciplined consumers, it's a wonderful opportunity. We offer our credit card consumers the opportunity to establish credit and gain access to credit card services previously unavailable to them. Yet they provide the same service as the other cards that do have annual fees. The UK credit card market has traditionally been characterised by customer apathy with many people sticking with the first card they receive which is quite often a card provided by their bank. The credit card APR (annual percentage rate) is the yearly interest rate you will pay for balance on your credit card only if you carry a balance on your credit card from month to month. Many card-issuing banks charge fees for cash advances. Your purchases are delivered right to your door. This does not have to be the case as switching credit card providers is very easy and there are some very good deals for credit card balance transfers. There are a few ways that you can go about your search for applications. The cost for these calls can be high. Which Cards Should I Choose? Low interest rates have a record number of homeowners spending the hard-earned equity they've built up in their homes. Without this period, you may have to pay interest from the date you use your card or when the purchase is posted to your account. Many cards offer an initial period (usually around six months) with a lower APR. If you do qualify for a zero-percent card offer, that's fantastic. Paying your card balance in full before the grace period ends prevents finance charges from being added to your account. Business credit cards also offer the convenience of allowing companies to add cardholders (employees) to the credit line and promoting their company name on each credit card. *NOTE: Looking for debt consolidation loans? On the other hand, if you always pay your monthly bill in full, and reward offers such as frequent flyer miles don't interest you, your best choice may be a card that has no annual fee and offers a longer grace period. The rate is calculated in a standard way, taking the average compound interest rate over the term of the loan, so borrowers can compare loans. Without a grace period, the card issuer may impose a finance charge from the date you use your card or from the date each transaction is posted to your account. You will have to fill out a simple application when you apply for a credit card which only takes about five minutes to complete. Your balance is determined by subtracting payments or credits received during the current billing period from the balance at the end of the previous billing period. Others are variable rate, which means that the card's issuer can change your APR as national interest rates or other indexes change. If you were charging cash when you got a cash advance, you would normally have a grace period of twenty-five days or so after you got your bill. If you have money on deposit at a bank and also have your credit card there, you may have signed an agreement when you opened the deposit account which permits the bank to take those funds if you become delinquent on your credit card. They prevent airport security hassles. It isn't just about low interest rates, it's about using the range of perks and deals that credit card companies offer to your best advantage. Once you are on their books as a customer the fun really begins. 5% of the amount taken. American Express cardholders have become desensitized to the fact that they still pay a “membership” fee each year. If you’re considering a variable rate card, the issuer must also provide information that discloses to you: how the rate is determined, which index is used, and what additional amount (margin) is added to determine your new rate. Look for offers that use an adjusted balance, which subtracts your payment from your beginning balance. Be very careful to always know exactly what your credit cards will cost you. Some creditors also exclude unpaid finance charges. Remedy: If you are a good customer, the bank may be willing to drop the annual fee, and reduce the interest rate -- you only have to ask! Earn points redeemable for free travel on most major airlines with every purchase. Grace period -- If the credit card user does not carry a balance, the grace period is the interest-free time a lender allows between the transaction date and the billing date. You may be able to lower your monthly payments at the cost of a longer repayment schedule and more interest, but the important thing is that you are paying your bills on time and in full and saving your credit rating. ) Your Specific Interests: Do you do significant amounts of traveling, use a specific brand/service, or shop at a specific chain of retail stores? The closer you get to the due date the more likely you are to miss a payment. Credit scores use sophisticated algorithms to assign points based on a consumer’s credit reports. For the big scoop on the fine print, here's what these frequently used credit card terms mean. The teaser rate can actually be 0%! It can help open doors for you or keep them locked. Remember, there is not grace period on cash advances, even with a card that has a grace period on regular purchases. Some companies offer an introductory 0%, typically for three to six months. For example, you may be interested in affinity cards - all-purpose credit cards sponsored by professional organizations, college alumni associations and some members of the travel industry. Issuers must follow rules for promptly correcting billing errors. It also must be disclosed before you become obligated on the account and on your account statements. Credit card companies score applicants based what makes a profitable customer. Many credit companies offer no finance charges for small business credit cards, grace periods of up to 25 days, complimentary financial services and offer cardholders executive discounts on rental car insurance, airline travel and incentive programs. This is the most common calculation method. Over-the-limit fee -- A fee charged for exceeding the credit limit on the card. Using a credit card to buy airline tickets may keep you from being harassed at the airport. But, some charge interest from the date of purchase, days before they have even paid the store on your behalf! Also, if you plan to pay for purchases over time, the APR and the balance computation method are definitely major considerations. It credits your account from the day payment is received by the issuer. Discover's Platinum MasterCard woos customers with a zero-percent interest rate on purchases and balance transfers for 12 months. In some cases, offers for 0% cards will come in your mail in coupon packets or in your newspaper. They were easy to get and came whether I ordered them or not. Using a business credit card doesn't have to mean incurring debt. Fixed Rate plans are not subject to adjustment like variable rates. If you do, you could end paying a truckload of interest on a $50 sweater. Balance Computation Method: If you don’t have a grace period, or if you expect to pay for purchases over time, it’s important to know what method the issuer uses to calculate your finance charge. You're not allowed to charge the total amount when you buy merchandise from 'gold' or 'platinum' card catalogues. 9%, when the low rate period expires, your existing balance will likely be subject to the regular and substantially higher interest rate. Suppose you are planning to purchase something expensive for your company and you are unable to pay for the product, at that moment business credit card plays significant role. Fierce competition for good credit customers has forced issuers to come up with new ways to sweeten zero-percent deals. Credit card companies do not like free riders because they do not make any money from the account. The APR is a measure of the cost of credit, expressed as a yearly rate. Charge upfront fees, without saying there may be additional costs. Others offer low interest credit cards closer to prime lending rates, often half or less than the usual higher interest credit cards. Card issuers sometimes offer teaser rates to encourage balance transfers coming in and balance-transfer fees to discourage them from going out. The reality is that pretty much anyone can get a credit card. Getting a cash advance is not like charging cash. But to do so you or your company should have buying power and that's exactly the business credit card provides. Remedy: Find another card issuer or always pay your bill in full by the due date. incentive programs. Credit lets you pay for electronics on an installment plan, take out a loan for a house, pay for clothing on a credit card, or pay for schooling with financial aid. Applying for credit cards online is very convinient. Late payments will stay on your report for seven years and bankruptcies for ten. Finance charge -- The charge for using a credit card, comprised of interest costs and other fees. how the rate is determined - which index is used and what additional amount, the margin, is added to determine your new rate. The card companies prefer not to compete on interest rates and pother card costs. Previous Balance: This is the amount you owed at the end of the previous billing period. While some cards have no annual fee, others expect you to pay an amount each year for being a cardholder. money by offering a low interest rate but they rarely offer any rewards. Click here to get a free copy of your credit report. Most credit cards impose both finance charges and a transaction fee on cash advances. Now, some banks have cut back on these extras without the fanfare that launched them. Instant Online Approval - Many cards featured here will approve your application instantly - no waiting for weeks to find out if you have been approved. With increasing levels of status, individuals receive increased benefits such as and higher credit limits and lower APR's. American Express has become a leader in the credit card industry, offering a variety of cards to meet any need. Issuers also may send you an application or a solicitation, or ask you by phone if you want a card - and, if you say yes, they may send you one. Many banks enticed you to sign up with extra benefits such as a lifetime warranty, a 5% discount on all travel, or protection if an item purchased is lost. To make the most of your interest-free card deal you'll need to stay on your toes. Viale cautions consumers to research the details of anything they're considering buying on credit. There is no need of standing in the long queue of the bank to withdraw your money. Chances are you've gotten your share of pre-approved credit card offers in the mail, some with low introductory rates and other perks. Today's consumers are presented with a wide array of credit card choices -- cards with low annual percentage rates, cards with no annual fees, rebate cards, gold cards, platinum cards, etc. Contact your local Better Business Bureau, consumer protection agency, or state Attorney General's office to see if any complaints have been filed against a particular promoter of 'gold' or 'platinum' cards. A secured credit card is a great way to repair bad credit because the money you are drawing from has already been pre-established in a set-up savings account. This is up to you to fix. You've got to be diligent about paying down debt, and you've got to do it as soon as possible because that way you're paying the least amount of interest. Shop around for the plan that best fits your needs. If you have many purchases on your account this can be very costly. Even if you never pay interest, your credit card company is making money from your purchase, which is why card companies can offer reward schemes and discounts.
Low Interest Rate Credit Cards Guide 

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Credit Cards Guide:
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Credit Card Facts You Need to Know
Lost or Stolen Credit Cards

All Credit Cards and Charge Cards

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Credit Cards		 Sort by
Intro APR		 Sort by
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Cash Advance APR		 Sort by
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Annual Fee		 Notes
American Express Rewards Green Card-----$65Charge Card
Business Gold Card from OPEN-----$75Charge Card
American Express Rewards Gold Card-----$90Charge Card
Business Green Rewards Card from OPEN-----$95Charge Card
One from American Expressvariable 13.24-30 days$0Cash Back
Gift Certificates
Advanta Platinum Business Card with Rewardsfixed 7.99fixed 7.9920 days$0Business Card
Cash Back
Travel Rewards
Advanta Platinum Business Cardfixed 0.0012 monthsvariable 12.49variable 12.4920 days$0Business Card
Discover Platinum Credit Cardfixed 0.00Through 1/2007variable 9.99variable 20.9925 days$0Cash Back
Miles Card from Discover Cardfixed 0.00Through 1/2007variable 9.99variable 20.9925 days$0Air Miles
Discover Titanium Cardfixed 0.00Through 1/2007variable 9.99variable 20.9925 days$0
Discover Platinum Gas Cardfixed 0.00Through 1/2007variable 9.99variable 20.9925 days$0Cash Back
Gift Rewards
United Milesage Plus Visa Credit Cardvariable 16.99variable 21.4920 days$60Air Miles
Value Miles Platinum Visa Credit Cardfixed 0.0012 monthsvariable 11.74variable 21.7420 days$0Air Miles
Sony Cardfixed 0.0012 monthsvariable 12.99variable 21.7420 days$0Sony Rewards
Starbucks Card Duetto Visafixed 0.006 monthsvariable 12.99variable 21.7420 days$0Starbucks Rewards
Volkswagen Platinum Visa Cardfixed 0.006 monthsvariable 12.99variable 21.7420 days$0Volkswagen Rewards
British Airways Visa Signature Cardfixed 4.905 monthsvariable 15.99variable 21.7420 days$75Air Miles
WorldPerks Visa Platinum Cardvariable 16.75variable 21.9925 days$55Air Miles
Chase Cash Plus Rewards Visa Cardfixed 0.0012 monthsvariable 12.99variable 22.0020 days$0Cash Back
Gift Rewards
Perfect Credit Card from Chasefixed 0.0012 monthsvariable 12.99variable 22.0020 days$0Cash Back
Chase Flexible Rewards Platinum Visa Cardfixed 0.0012 monthsvariable 12.99variable 22.0020 days$0Cash Back
Air Miles
Gift Rewards
Borders Waldenbooks Platinum Visa Credit Cardfixed 0.0012 monthsvariable 12.99variable 22.0020 days$0Borders Waldenbooks Rewards
Hess Visa Platinum Card from Chasefixed 0.006 monthsvariable 12.99variable 22.0020 days$0Hess Gas Rewards
Universal Entertainment Mastercardfixed 0.006 monthsvariable 12.99variable 22.0020 days$0Gift Rewards
Subaru Platinum Mastercard from Chasefixed 0.006 monthsvariable 12.99variable 22.0020 days$0Subaru Car Rewards
Toys R US Visa Card from Chasefixed 0.006 monthsvariable 12.99variable 22.0020 days$0Gift Rewards
Disney Visa Credit Cardfixed 0.006 monthsvariable 12.99variable 22.0020 days$0Disney Rewards
Platinum Business Credit Card from OPENfixed 0.0012 monthsvariable 10.24variable 22.2425 days$0Business Card
Blue for Business Card from OPENfixed 0.0012 monthsvariable 10.24variable 22.2425 days$0Business Card
Business Cash Rebate Card from OPENfixed 0.006 monthsvariable 10.24variable 22.2425 days$0Business Card
Cash Back
Blue Cash from Business Credit Card from OPENfixed 0.006 monthsvariable 10.24variable 22.2425 days$0Business Card
Cash Back
Blue from American Expressfixed 0.0015 monthsvariable 11.24variable 22.2420 days$0Reward Program
IN NYC Card from American Expressfixed 0.006 monthsvariable 11.24variable 22.2420 days$0Reward Program
IN Chicago Card from American Expressfixed 0.006 monthsvariable 11.24variable 22.2420 days$0Reward Program
IN LA Card from American Expressfixed 0.006 monthsvariable 11.24variable 22.2420 days$0Reward Program
Blue Cash from American Expressfixed 0.006 monthsvariable 12.24variable 22.2420 days$0Cash Back
Citi mtvU Platinum Select Visa Card for College Studentsfixed 0.006 monthsvariable 16.99variable 22.2420 days$0Student Card
Gift Rewards
Citi Platinum Select Card for Studentsfixed 0.006 monthsvariable 16.99variable 22.2420 days$0Student Card
Gold Delta SkyMiles Business Credit Card from OPENvariable 17.24variable 22.2420 days$0Business Card
Air Miles
Citi Drivers Edge Visa Cardfixed 0.006 monthsvariable 17.24variable 22.2420 days$0Student Card
Car Rewards
Citi Dividend Platinum Select Card for College Studentsfixed 0.006 monthsvariable 17.24variable 22.2420 days$0Student Card
Cash Back
Hilton HHonors Platinum Credit Cardfixed 2.906 monthsvariable 17.24variable 22.2420 days$0Hotel Rewards
Starwood Preferred Guest Credit Cardfixed 2.906 monthsvariable 17.24variable 22.2420 days$0Hotel Rewards
JetBlue Card from American Expressvariable 17.24variable 22.2420 days$40Air Miles
Gold Delta SkyMiles Credit Cardvariable 17.24variable 22.2420 days$85Air Miles
Chase Platinum Credit Cardfixed 0.0012 monthsvariable 10.99variable 22.9920 days$0
Discover Student Credit Cardfixed 0.00Through 7/2006variable 15.74variable 22.9925 days$0Student Card
Cash Back
Marathon Platinum Matercard from Chasefixed 0.006 monthsvariable 16.99variable 22.9920 days$0Gas Rewards
Speedway SuperAmerica Platinum Mastercardfixed 0.006 monthsvariable 16.99variable 22.9920 days$0Gas Rewards
Chase Ultimate Rewards Express Student Cardfixed 0.006 monthsvariable 16.99variable 22.9920 days$0Student Card
Gift Rewards
Universal Entertainment Student Mastercardfixed 0.006 monthsvariable 16.99variable 22.9920 days$0Student Card
Gift Rewards
Continental Airlines World Mastercard from Chasefixed 7.996 monthsvariable 16.99variable 22.9920 days$85Air Miles


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