credit cards
If you don't understand the language, credit card offers and statements could lead you to deep debt -- or at least furious frustration. Many card-issuing banks charge fees for cash advances. How long does the introductory rate last? They protect you against bankrupt airline. Some card companies charge higher rates, which is why retailers will sometimes discourage the use of some cards, like American Express. So they just stopped reporting credit limits. This is the age of plastic card and business credit card is one of them. He pays a $40 annual fee plus a $25 late fee (he was out partying and forgot to mail the check the next day). It is usually not expensive to get a cash advance on a credit card, unless you are in another country. His company gets 40,000 calls a month for credit or budget counseling vs. They're putting their house on the line and they're turning short-term debt into long-term debt. If you have excellent credit, it is likely you will be approved for any credit card you apply for. Marketers of these credit cards often promise that by participating in their credit programs, you will be able to get major credit cards (such as an unsecured Visa or MasterCard), lines of credit from national specialty and department stores, better credit reports, and other financial benefits. Currently there are many card companies offering low introductory rates to attract new customers. People apply for credit cards for various reasons, and no two people's intentions or needs are the same. Before selecting a card, be sure you know which credit terms and conditions apply to the account. Issuers sometimes use various methods to calculate your balance that make use of your last two month's account activity. 99 percent on all balances. So, how do you choose the right card? Credit cards give you protection for your purchases, allow you to shop online, and provide a cushion in case of emergencies. This means that over a year it pays you $1 and charges $180 in interest. 50. Because the rate change is linked to the index’s performance, these plans are called Variable Rate programs. You may also be subject to finance charges of over 18%. Why Should I Apply Online? They will use information from the application form you submit and references agencies. 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. What happens if someone disreputable gets hold of your account number? This couldn’t be further from the truth. These low interest credit cards offer introductory low interest as low as 0 apr. 6% response rate. Some credit card plans allow the issuer to change your APR when interest rates or other economic indicators - called indexes - change. If you are looking to apply for a credit card online, Credit 123 has a large selection of major credit cards to chose from. Refunds of Credit Balances. This not only reduces the amount of paperwork that you have to wade through each month, but it also reduces the chances that you will run up a large amount of debt. Now you’re getting the picture on how these companies stay in business. ) Your Credit History: This is the most important factor in determining whether or not you will receive a credit card. The major source of income for credit card companies is from a charge to the business accepting the credit card. Disputes about Merchandise or Services. They are also highly regulated and scrutinized because of a history of consumer abuse patterns. Even if the low interest credit cards' rate is offered for a limited time, there are still substantial savings available to you, especially if you complete low interest credit cards balance transfer. Don't be afraid to ask for a lower interest rate especially if you have an unblemished payment record. This works to the advantage of a new small business owner trying to allay the costs of starting up a business, or to an established company with many cardholders charging on the same account. Some, but not all, card issuers charge annual participation or membership fees. The closer you get to the due date the more likely you are to miss a payment. Some 'gold' or 'platinum' card promoters charge $50 or more for their cards. Apart from this it also provides a fantastic way to keep track of your business expenses. That is why American Express and the other travel and entertainment cards issued by companies that are not banks can't give you a cash advance. Remedy: Pay all you can monthly. Simply pay your balance in full each month and you can enjoy more convenience, find hidden discounts, and have permanent tax records come the end of your fiscal year. So, again, the questions is…how do these companies stay in business? If you don't have a free 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. Platinum, Titanium, Gold, or Classic? Many cards offer bonus points or frequent flyer miles with spending. When you apply for credit, the lender reviews your credit report before approving your application. If you misplace your payment envelope, look for the payment address on your billing statement or call the issuer. Frequent flier bonus mileage - You receive a frequent flier mile for every dollar you spend. Of course, you still have to pay any part of the bill that's not in dispute, including finance and other charges. And, of those few who do open an account, even fewer will actually revolve a balance from one month to the next. They are all trying to convince you to apply for one of their credit cards. There is generally no way to avoid paying interest when you take out a cash advance. If you let them, they can easily overwhelm you. Business cards also have the added benefit or establishing good business credit history. It’s expressed as a yearly rate—the lower the APR, the less interest you pay. Interest is the fee you are charged for using someone else’s money. And, of those who do revolve a balance, fewer still will actually pay their bills on time. Taking advantage of these offers can be the key to getting out of debt quickly. 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. Use your charge card instead of writing a check whenever possible. It must be disclosed before you become obligated to a credit account. Further, they’ve managed to self justify the means almost as to seem normal. If you charge more than your credit limit allows, you’ll have to pay an over-limit fee. Cash rebates on purchases - You save about 1% annually on all purchases and at the end of the year you will receive a check or credit to your account in the rebate amount. After you fill out the application it will be reviewed by the credit card issuer within a week and you will receive the response whether you are approved for a credit card or not. Educating yourself about responsible credit card use now can eliminate the worry of having to get yourself out of debt after you graduate. If you use a bank card, The bank whose name is on the card gets about half the withheld amount and the bank that the store has its account with gets the other half. Make sure you understand a plan's terms before you accept the card. They operate on a 'pay as you go' basis and boast Guaranteed Approval! As good as these deals seem, you'll want to pay close attention to the details. Why do you forget it comes at your doorstep? 4. Some of these cards do not allow you to transfer balances from high-rate interest cards during the introductory 0% offer period. What Are Credit Cards? An affinity card issuer often donates a portion of the annual fees or charges to the sponsoring organization, or qualifies you for free travel or other bonuses. Charging business items on your personal charge card not only creates a tax record keeping nightmare, but it could be used by the IRS as prima facia evidence for piercing the corporate veil. Otherwise, you can switch issuers to a lower- priced card. For every 1,000,000 pieces of mail they will get 6,000 responses. And, the ultimate slap in the face, some credit card companies even try and charge you a fee for you to transfer balances from a competing credit card over to their card. 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. The banks may limit the amount that can be charged to a specific dollar amount. Annual percentage rate (APR) -- A yearly rate of interest that includes fees and costs paid to acquire the loan. Make sure it's not a promotion with flexible rates or payments that can rise. Getting a cash advance is not like charging cash. Some of that stuff can be very valuable to you if you pay your balance every month. If you don't pay your balance every month, the heavy interest you will pay to the card company is almost certain to far outweigh the value of the freebies you get. Since your minimum payment is largely interest, paying the minimum will leave your balance relatively unchanged for years or even decades in some cases. Earn discounts on hotel rooms or car rentals or even earn cashback on gas or other purchases. Only after you pay your deposit can you charge the balance. Will you pay off the balance in full each month, or will you carry a balance? A secured card requires you to open and maintain a savings account as security for your line of credit. Of course, if you don't pay your bill on time, you credit will be hurt. You not only save the cost of a stamp, but many cards let you pay online as late as the day that the payment is due. Another big earner for credit card companies is the money collected from cash withdrawal fees, late payment fees, and other penalties -- so avoid these traps at all costs. The reality is that pretty much anyone can get a credit card. But don't get too comfortable. These variable rate cards can cost you a different amount of interest every time the indicator changes. It also can indicate if you have abused financial tools such as checking accounts and debit cards. While sounding like general-purpose credit cards, some 'gold' or 'platinum' cards permit you to buy merchandise only from specialized catalogues. This site is dedicated to finding the right card and application for you depending on your current financial circumstances, your credit record, and your intentions for getting a card. Teaser rate -- Often called the introductory rate, it is the below-market interest rate offered to entice customers to switch credit cards or lenders. However, unless your strategy is to acquire a new 0% card when the old one runs out (which may effect your credit) consider carefully the rate at the end of the offer. Most card issuers require a minimum payment of two percent of the outstanding balance. This could leave you paying a higher interest rate than the original one on the remaining balance. Such 'gold' and 'platinum' credit-card offers usually are promoted through television or newspaper advertisements, direct mail, or telephone solicitations using automatic dialing machines and recorded messages. There are several reasons why a business may want to utilize a small business credit card… Most important, many business credit cards have no credit limit, or a very high line of credit ($25,000 - $50,000), a higher credit limit than most individuals could obtain. Charging airline tickets gives you good protection against airlines that go broke after you buy your tickets but before you fly. Low Interest Rate Credit Cards where be bring the world of credit cards to your fingertips. These fees typically range from $25-$50 for standard cards and $75 or more for gold or platinum cards. Stay away from offers that use the previous balance in calculating what you owe; this method has the highest finance charge. There are, however, several things you should understand before you get 0% interest rate credit cards. The Annual Percentage Rate (APR). One big advantage of using credit cards is that many credit card today offer free stuff to encourage you to get or use one particular card. They can look alike. As every credit card provider scores differently, there are no set rules that improves a credit score. who have never before had a credit card in their name. Card holder agreement -- The written statement that gives the terms and conditions of a credit card account. The best part about applying for credit cards online is that you have so many options to pick out the best credit card that is right for you and you can also learn everything about that specific credit card before applying. People assume they can pay it when the time comes. You have to have a credit card to function today. Prepaid cards are also available as an alternative for those with poor credit. Balance transfer -- The process of moving an unpaid credit card debt from one issuer to another. Some issuers have 24-hour toll-free telephone numbers to accept emergency information. Free merchandise - Many cards, especially around the winter holidays, offer merchandise bonuses in special seasonal mailings to card-holders. Unfortunately, any negative information that is true will take time to disappear. Before snatching up a zero-percent card offer, be sure to grab a magnifying glass and pour over the fine print. Some people assume that the interest rate always stays the same. Use '900' or '976' telephone exchanges. Extended Warranty, Theft and Damage Protection.
Low Interest Rate Credit Cards Guide 

BROWSE BY CREDIT CARD TYPE:
All Credit Cards
Air Mile Credit Cards
Business Credit Cards
Cash Back Credit Cards
Charge Cards
Low Interest Credit Cards
No Annual Fee Credit Cards
Credit Cards with Rewards
Student Credit Cards


Credit Cards Guide:
How to Find the right Credit Card
Credit Card Facts You Need to Know
Lost or Stolen Credit Cards

No Annual Fee Credit Cards

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Credit Cards		 Sort by
Intro APR		 Sort by
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Annual Fee		 Notes
Advanta Platinum Business Card with Rewardsfixed 7.99fixed 7.9920 days$0Business Card
Cash Back
Travel Rewards
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
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
Chase Platinum Credit Cardfixed 0.0012 monthsvariable 10.99variable 22.9920 days$0
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
Value Miles Platinum Visa Credit Cardfixed 0.0012 monthsvariable 11.74variable 21.7420 days$0Air Miles
Blue Cash from American Expressfixed 0.006 monthsvariable 12.24variable 22.2420 days$0Cash Back
Advanta Platinum Business Cardfixed 0.0012 monthsvariable 12.49variable 12.4920 days$0Business Card
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
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
One from American Expressvariable 13.24-30 days$0Cash Back
Gift Certificates
Discover Student Credit Cardfixed 0.00Through 7/2006variable 15.74variable 22.9925 days$0Student Card
Cash 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
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
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


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