Credit Card Offers

Offers that fall into the low interest category distinguish themselves from other cards by having a lower interest rate that does not expire after a set period of time. There are many cards that have a low or zero APR during an introductory period then fall back to a higher rate once the intro period expires. Card listed in this category may have an introductory period but will go to a rate that is lower than most other cards. These offers here are more for those expecting to carry a balance on their card over a long time frame and may represent better savings over the long haul.

Over the years, Cash Back credit cards have continuously grown in popularity to the point now where every major issuer multiple cash back offerings. Being basically rewards cards, the cash back category contains those cards that have the higher rates of accumulating points towards the receipt of the bonus. Many offers have different rates of point accumulation based on the type of product purchased or where an item is bought that typically reach 5% or higher. Many also offer incentives to use their card at more specific merchants for up to 15% cash back. Also check for any sign-up bonuses or incentives as they may justify a new card on their own merits.These are excellent cards if you put a large amount of charges on the card and pay the balance every month.

The primary focus of cards in the Balance Transfer category is to not only permit the transfer of balances from another card, but to also have a low rate for either an introductory period, or a permanent low rate. These cards can be an excellent way to save substantial interest for those in a situation where they carry a monthly balance on a high rate card. Be sure to make timely monthly payments since the default rates applied when payments are missed will surely negate any benefits from making the transfer. Finally, many issuers offer bonuses and rewards so these must be examined to get the best deal.

All Low Introductory offers feature a low or zero interest rate on either purchases, balance transfers or both for a defined period of time after you acquire the card. Most credit cards that are aggressively marketed provide some sort of introductory offer that features a low or zero interest rate and are only available to new customers as an incentive to switch to a new issuer or bank. These cards can produce some of the biggest savings possible from obtaining a new credit card especially if you carry a monthly balance or are planning a major purchase.

For anyone who has encountered a financial set-back, the Easy Approval cards present a way to get some credit and start enjoying the benefits of carrying a credit card. The cards presented here may have an annual fee and a higher interest rate than cards you can find elsewhere on this site but are much more flexible on approving those with less than perfect credit. The Orchard Bank cards are of particular interest in that most applications are approved because the bank will offer a card with varying rates and features based on your personal situation.

Frequent Flyer miles programs are one of the original reward programs and remain as popular as ever today due to the quick accumulation of points and the ability to gain a free flight in a short time frame. If you are an opportunistic flyer, check out the cards that accumulate points and give rewards on any airline, or if you are dedicated to one carrier, you can gain even higher rewards by selecting your favorite airline's card. Many offers also have substantial bonuses just for getting their card and making some purchases.

In the most general sense, a reward card is simply an offer that provides an item of value back to the cardholder in exchange for some specific performance. With most current offers having some sort of rewards, the cards listed here are those that excel in a particular type of reward or are not specifically targeted toward one of our other categories. Points accumulation is the most popular way of gaining rewards and cash back is the most sought after way of receiving a reward.

The Card and Gas category was once populated with enticing offers from gas station to automobile manufacturers. Today these offers have been consolidated into those cards that provide the biggest discount of gasoline and related automotive products. Typically, these cards are not aligned with a particular brand and will yield substantial savings when used at almost any retailer.

If you are loyal to a particular brand of products or services and can find the card below, you may have just found the best way to leverage your purchases into savings or cash. Specialty cards can provide the highest level of rewards including exclusive rewards that cannot be found elsewhere. It is common for these cards to have higher interest rates and may have an annual fee but that rewards usually easily offset these expenses especially if you pay you balance in full each month.

Card offers labeled Student are aimed at anyone attending school and have not yet established a credit rating. These cards almost always start with a relatively low credit limit and higher interest rates since the issuer is accepting a larger amount of risk. These also represent an excellent opportunity for students to start building a credit history provided they can conform to the terms of the card and meet all the payments.

Since Business credit cards are specifically targeted towards company owners and executives, their features and benefits vary widely from not only consumer cards but from each other. Certain business credit cards focus on rewards some on services while others tout their customer service benefits. A common theme amongst these cards is the ability to add cards for employees while maintaining a centralized reporting system allowing the owner/manager to receive monthly summaries of activity. Combine this with a rewards program that accumulates for the owner/manager and you have ample reason to acquire a business credit card.

Debit cards have been available since the early 1980's but today's Pre Paid Debit cards are flexible and have a wealth of features. Once sought by only those with fair credit or worse, current applicants run the entire spectrum of credit worthiness as the benefits of having a Pre Paid debit card have increased. The top providers of these cards offer some very creative programs ranging from no fee to sign-up bonuses and very reward points. Since every legitimate application is accepted, there is really no reason for anyone to be without the convenience of a debit card.