Read Articles:

...Identity Theft Recovery: The Road ...
10 Things Every Home Based Business O...
15 Construction Loan "Inside Secrets"...
4 Explosive Tips To Dynamite Your Sal...
5 Steps you can take to Get Paid!
7 Keys to Internet Business Success
7 Power Habits to Guarantee Financial...
7 Tips for Product Enhancement to Inc...
A Few Thoughts on Securing a Bad Cred...
A Guide to Earning Pilates Certificat...
A Seller's Dash For Cash
A Top Rated Home Business For Mom!
Advice on Performing Online Backgroun...
Apply For A Credit Card Merchant Acco...
Are you Scaring away Potential Custom...
Are You Wealthy Yet?
Asset and liability basics
BAD CREDIT PERSONAL LOANS
Banking Software: Do You Need It?
Bankruptcy 101
Basic Steps for Home Business Success
Building High Performance Teams
Building Wealth: Don't Waste Your Mon...
Business laws basics
Canada Internet Merchant Account
Compare Merchant Accounts
Creating a Proposal. Gaining An Edge ...
Credit Card Merchant Account Services
Credit Card Processing
Credit Card Processing: Legally Beat ...
Criminal Background Checks -
Critical Guidelines You Need to Know ...
Dealing With Disputes
Discount Merchant Account Availability
Domestic Merchant Account Options
Don't be a victim of Cybercrime
Don’t Let Passions Rule When Buying A...
eBay Drop Shipping is the Future
Ebay Selling 101: Things A Seller Sho...
Enjoy The Benefits Of A Credit Mercha...
Ever Wondered What An eCommerce Merch...
Factoring Financing: How to grow your...
Failing At Your Network Marketing Bus...
Find The Best Merchant Account
Finding Incorporation Help
Five Tips to Obtain Credit for Small ...
Forms of Ownership
Generate Traffic And Make Money
Get A Credit Card Merchant Account
Get The Best Credit Card Merchant Acc...
Getting a Small Business Loan
Holiday Depression – Five Easy Tips f...
Home Based Business Scams - Tips on A...
How A Home Business May Protect You F...
How Millionaires Get to Be Millionaires
How To Accept Credit Cards Without A ...
How to Create Your Own Information Pr...
How to Cut Credit Card Debt
How to give your customers a choice b...
How to offer 30 day terms the right way.
How To Prepare Your Income Tax Return
Improving Your Financial Situation Wi...
In Sales The Customer Is King And Don...
Instant Unsecured Cash Loans - Tips
Locating a Bad Credit Mortgage
Locating a Home Mortgage
Looking for a Direct Sales (Party Pla...
MasterCard: Then, Now and Why
MLM Success Training - How To Make Pr...
Paying For Items With Ebay Coupons

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.



© Copyright 2006, Paul Sparks - Resources, Lesson Plans and Information for Teaching English Abroad