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Choosing Among Introductory Credit Card Offers

With so many different types of credit card available today, ranging from those for people with excellent credit to cards for those with no credit history at all, one of the biggest deciding factors for getting a card is choosing among all the various introductory credit card offers to be had. Really, it depends on your needs regarding a credit card: are you looking for something to boost your credit, or repair it?

Or are you looking for something to finance a large purchase, without being forced to pay exorbitant interest rates or fees? Whatever you’re looking to get out of your credit card, it’s important to review the different introductory credit card offers of your potential choices, to see if they provide you with an incentive you might need.

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Different Incentives for New Cardholders

There are so many divergent introductory credit card offers made by major credit companies, so knowing the differences between them can help you to determine the right card offer for your needs. For instance, some credit companies offer their consumers no APR (annual percentage rate) on their purchases for the first six months – the introductory period. This is an ideal incentive if you’re planning on using your card to buy a big ticket item that you’ll need to make installment payments on, so long as you can pay off the entire balance before the APR, or interest rate, kicks in.

At, you can compare and apply for low APR and 0% APR credit cards. These offers are ideal in terms of bringing down your interest expenses and also a viable platform to become debt free.

Hot Credit Card Offers
Hot Credit Card Offers
Type Brand Annual Fee APR Cashback Bonus Details/Apply
The First Progress Platinum Elite MasterCard(R) Secured Credit Card
$29 19.99% N/A


* This online application is subject to the terms and conditions as described in the Important Information Section of the application.

Rewards cash is one of the many introductory credit card offers you may see in your research; although many cards offer 1%, 2% or even 3% cash back on purchases, you may see credit lines that give you double those amounts for the introductory period. The thing about rewards cash incentives is that they can draw consumers into a mire of debt because they feel compelled to earn as much cash back as they can, as quickly as they can. This compulsion isn’t made any easier by one of the introductory credit card offers out there, which is a bonus amount of points or cash if you spend a minimum amount within the first few months of using your credit card. Truthfully, the better thing to do with this kind introductory offer on your new card is to use it for things that you normally pay for with your debit card or cash regularly, and ensure you pay off the entire balance each month, to avoid interest charges – this makes your rewards cash an actual reward.
Other introductory credit card offers may include a reduction, or complete elimination, of your annual card fees for the first year, free airline miles with none of those dreaded blackout dates, free and interest free balance transfers on your card, cash bonuses for using your card for particular purchases, like gas or dining in restaurants.
What introductory offer is best for you?

Obviously, the introductory credit offers you receive are going to be based on the kind of credit card you’re applying for, as well as your creditworthiness to the creditor. Basically, you should choose the card that has an introductory incentive – as well as permanent incentives – that appeals most to your needs.

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Applying for Major Credit Cards - Unsecured

You can apply for a major credit card. Applying for a credit card online is relatively simple, as you simply enter your personal information, such as name, birthdate, social security number and address, and they will compile your credit information and come up with a decision within a few minutes. If you’re approved for one of their cards, they will let you know right away, otherwise you’ll receive a notice in the mail as to the reasons you were declined for a card.

Applying for Major Credit Cards – Secured

If, however, you’re turned down for a major credit card due to your credit history – either poor or lack of one – that doesn’t mean you can’t still obtain a credit card. You can look into the benefits of getting a secured credit card, which is a card that is basically backed up by your own bankroll, rather than a creditor’s.

You provide a deposit, and your available balance on the credit card is based on that deposit. You will still be required to make payments on your secured card, and if after a set period of time you’ve shown excellent payment habits (paying the minimum amount due or more on time each month) then your deposit may be refunded and your card reverts to an unsecured line of credit. The best part about secured credit cards is that they, too, report to credit bureaus, so you will be establishing credit through the bureaus as well as the bank that issued you your credit card.

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