Credit Cards - Best Features

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Chase Credit Cards For Students
Chase Bank USA offers a number of student credit cards with various types of benefits and incentives. If you are a student of any college or university, you can take the advantage of it. You will get cash back offers with every purchase you make with the student credit card and even while paying your college fees and buying books.

Chase Student Flexible Rewards Visa Card earns you point... Read credit cards article



Low APR Credit Cards
Millions of people are making use of their credit cards to purchase just about anything. Because of this, it is important to minimize total fees and interests. Paying high interest rates means a lot of money wasted. Fortunately, with the existence of several credit card companies hoping to get your business, most of them offer attractive interest rates to get ahead of the competition.

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Credit Cards - Best Features
Variety is the spice of life and this is true even for credit cards. They come in various types and with an entire range of incentives and benefits to lure customers. A responsible person will find a card that would suit his requirements and then go on to using the card in a responsible manner.

At present, for residents of the U.S. there is new card doing the rounds in the world of credit cards and that is the low-interest card. It offers an obvious difference in the interest rates. These cards act as balance transfer cards wherein you have the option of transferring your balance from a higher interest card to a lower interest card. Since the interest charged is zero for a short period it may save you some money. And when it reverts to being charged, it would be at a lower rate. This would help you save if you are hoping to pay it all off.

With credit cards having grown to become such a viable business, everyone seems to be offering the customer some card or the other. Airlines' cards get you frequent flyer miles and other benefits. Other credit cards give you rewards or various incentives. All you do is collect the points and the rewards are not far behind. A regular card user will find that a card with a reward program had a lot of benefits and in the long run is the best bet.

Your mail could bring you something called an instant approval card. It means that the entire process of verification and related checks are done quickly and your application gets approved almost at once. But this does not mean that you get instant credit. What you probably will get is a temporary card number while certain companies might make you wait a couple of weeks till the whole verification process is through to minimize the risk of credit card fraud.

A little research into the cards available and a little thought and analysis into what your requirements are will go a long way in helping you get the best card. Go slow, apply for one card at a time and go on to get more after your credit rating has gone up.

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No Fee Balance Transfer Credit Cards

Looking for a 0% balance transfer credit card that does not charge a balance transfer fee? Chances are, you've had some trouble finding one. Over the past year, the number of credit cards offering no fee balance transfers has decreased dramatically. Additionally, the maximum fees have risen on many cards from $50 to $75. Fortunately, there are still a few credit card companies that offer no fee balance transfers. The trick is to find the right offer and to read the fine print.

The standard fee for balance transfers is 3%, with a maximum fee of between $50 to $75. Now, if you are transferring a large balance, let's say $5,000 the maximum fee of $75 amounts about 1.5% of the balance transferred. However, if you are transferring $5000 from three different cards, you will be charged 3% from each card. Thus, if you transfer balances from two credit cards with $1500 balances and one with a $1000 balance, your fees will amount to $120, or 2.4%.

Now, even with balance transfer fees, transferring $5000 to a 0% credit card from a credit card with a 15% interest rate will still save you over $600 over the course of 1 year. However, doing so with a no fee balance transfer credit card will save you about $750, or enough to buy a very nice dinner with a bottle of wine.

Clearly, moving balances from high interest credit cards to 0% credit cards is a great money saver. However, it is worthwhile to seek out a 0% credit card that offers no fee balance transfers, as the savings can add up quickly, especially when consolidating balances from multiple cards.

Now the hard part. Since credit card companies that offer 0% balance transfers aren't making money on interest, they look to get it from fees. Consequently, many companies bury the details of their balance transfer offers in the fine print. After looking over credit card offers from every major issuer, I was only able to find one company that currently offers no fee balance transfers. And the offer was buried very deep in the fine print. However, if you look hard, no fee balance transfer offers can be found.




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Credit Cards - Best Features
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