Read Articles:

 The Key To Increasing Your Customer Base: Accep...

 Consumer Advice: Unwanted credit cards

 Does your business accept credit cards?

 Free Credit Card Merchant Account

 Applying For A Credit Card With No Credit Histo...

 Alternatives to Credit Cards

 Credit Card Processing

 How To Accept Credit Cards Without A Merchant A...

 Tips for businesses that accept credit cards

 1st Steps To A Merchant Account

 Get The Best Credit Card Merchant Account

 Free Credit Card Processing For Business Owners

 Best Credit Card Processing Rates

 Credit Card Merchant Account Services

 Credit Card Processing: Legally Beat the System...

 Do You Need Credit Card Processing Services?

 Accepting Credit Cards Payments For Offline Bus...

 Protecting Your Business From Credit Card Fraud

 Want A Credit Card Merchant Account?

 ACH or Credit Cards

 An introduction to point of sale software

 How to Cut Credit Card Debt

 Your Business Merchant Account

 Chase Credit companies can help you with almost...

 Shop: Is Shopping Online Secure?

 Boosting your business with a merchant account

 Accepting credit cards-Explained

 Get A Credit Card Merchant Account

 A Seller's Dash For Cash

 Top 5 Reasons Your Business Needs ACH Processing

 The Secret of Credit Card Numbers

 Retail Merchant Accounts - Do You Need One?

 Enjoy The Benefits Of A Credit Merchant Account

 Apply For A Credit Card Merchant Account Online

 High Volume Merchant - Do You Need One?

 Consumer AdviceWhat is identity theft?

 What to Consider when Filing for Personal Bankr...

 How To Avoid Being A Victim Of Ebay Buyer’s Fraud.

 Improving Your Financial Situation With Investm...

 Do You Need Bad Credit Help

More Article Pages 1 - 2


How to Find the Best Low APR Credit Cards
 by: Morgan Hamilton

Low APR credit cards are much more prevalent than in years past. Competition is stiff and credit card financial institutions offer many nice perks, rewards, points, low annual percentage rates (APR) and other inducements. They want to capture new customers who've never had a credit card but also those who already have a credit card and might like to save money by transferring that card's balance on to their new low APR credit cards.

Of course, there is nothing lower in an APR than zero - and those exist too, although sometimes for a limited time period. It may be that the lowest, or even the zero percentage APR is for an introductory period, after which the rate is higher. The permanent APR is what you want to watch out for, of course. Although if you're not opposed to doing a lot of switching, you can always purchase a low APR credit card, or zero percentage APR credit card, transfer the balance from your current high APR credit card, and then, once the introductory time period has expired and the APR is about to go up on your newest credit card, transfer the balance yet again to a brand new low APR credit card.

Let's look at a few of the low APR credit cards out there, so you know what kinds of options are typically available to you.

Citibank, for example, offers low APR credit cards that give you five percent cash back on any purchase you making at grocery stores and gas stations with your low APR credit card, and one percent back for any purchase elsewhere. The APR on transfers is zero for the first year. If your transfer transaction is at least $1500 you will earn $5 cash back with the low APR credit card. There is no annual fee and the APR after the first year is 12.24 percent.

Discover has a platinum clear card whose low APR is continual. The first year the APR is zero, but after the first year it's still a very competitive 9.99 percent. And there is no annual fee. With these low APR credit cards you earn a five percent cash back bonus on purchases made from hardware and home improvement retailers, restaurants, book vendors, and gas stations. If the retailer doesn't qualify you for the five percent discount you will always get one percent back no matter what you buy and from where with this low APR credit card.

Chase Bank offers low APR credit cards as well. Its zero percent APR is good for six months, after which you will pay 10.49 percent. These low APR credit cards have no annual fee, and offer rewards at the rate of one point for every dollar spent with your Chase card. You can get free airline flights and hotel rooms, as well as cruises and auto rentals. This card also provides $500,000 worth of travel insurance for worldwide vacationing. You can also take advantage of a fifteen percent discount off a Hertz car rental with these low APR credit cards.

©2005 - All Rights Reserved