Selecting which Credit Card has 0% Interest Rate

Credit Overview

When you are ready to apply for credit you might not think about some of the underlying points that will be really important.  Many individuals are in a hurry to simply get a credit card that has their name on it.  They apply for anything and this can really harm them in the end.  What you must remember is that not all credit cards are the same.  Some will be better for you than others. Choose the right credit card at DontSpendMore.com

Credit Perks

As you begin looking at all of the different cards and companies out there you might be asking yourself which credit has the most to offer.  Well, that is hard to say when you really stop and think about it.  Companies are offering more and more in today’s economy and there are many that will offer you more than you could have ever imagined.  Just think about these perks:

• 0% interest on transfer balances for the first year.
• 5% cash back on groceries and purchases on gas.
• Travel assistance no matter where you are or what time it is.
• Fraud liability if you find that your card has been stolen.
• Zero annual fees.

Unlimited cash back that will never expire so you can use it whenever you want. 

Hot Credit Card Offers Type Brand Annual Fee APR Cashback Bonus Details/Apply             The First Progress Platinum Elite MasterCard(R) Secured Credit Card   Master Card(R) $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.

Finding Credit to Fit you

Now that you have a small idea of what many companies will be able to offer you, you will want to think about which credit will be the best for you.  There are certainly some key points that you will need to keep in your mind if you are trying to determine what card you should be applying for. 

1. Find cards that offer roadside assistance.  When you think about it, you will be able to cancel your membership with other businesses that offer the same service.  This is a great way to save money.
2. Are you running a business?  Will this be your business card?  These cards may have higher limits for you.  Keep in mind that they may also have higher interest rates or yearly fees as well.  But, if you have a really great business it might be worth the extra money. 
3. If you use your card for groceries and other every day necessities then you will want to make sure that you will be getting cash back for these items.  Why not?  If you are using it anyways then you should get something for it. 
4. What about a home equity line of credit? These are wonderful if you are planning on doing anything with your home.  Many individuals will use these to remodel, pay off bills, take a vacation, etc.  You may end up with a very low interest rate on this type of credit.  Determining which credit will fit your needs should be easy and it can be if you just spend some time thinking about your life.  The more thought that you put into the process the easier it will become.  Why rush it?  If you have been going without credit then you will want to take your time and find something that will really benefit you.  Once you apply and have the card that is best for you, you will be very happy and you will see just how much the card can help you. 

Click here to find out how to save money on credit cards

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