Tuesday, October 30, 2007

How to Find the Best Low APR Credit Cards

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.

Beauty Supply Stores
Auction House

Internet Marketing Advertising

Business Franchise Opportunity

Cheapest Wow Gold

Home Acne Treatment

How To Make Money With Google Adsense Today

Beauty And The Geeks

Aerobic Step

Affiliate PPC Program - Pay Per Click Affiliate
Alternative Fuel
Tourist Attraction Secret

Record Streaming Audio
Car Custom Part
Free Automatic Responder
General Aviation Administration
Baby Shower Invitation
Baby Depot - Baby Depot
Bankruptcy Laywer - Filing Bankruptcy
Bathroom Remodeling Design
Bedroom Furniture - Bedroom Set
Blogging Realty
Female Body Buildings
Body Building Supplement
Diet Book Review
Internet Branding
Corporate Branding - Internet Branding Strategy
Breast Cancer Symptom
Broadband Speed Tests
Small Business Loan Grants
Business Plan - Business Plan Sample
Mesothelioma Cancer - Mesothelioma Lung Cancer
Contemporary Furniture
Rustic Furniture
Patio Furniture
Cancer - Cancer Treatment
Buying Car - Buying New Car, Buying Used Car
Career Counseling
Auto Insurance Quote Tips
Car Loan Calculator
Auto Refinance
Cell Phone - Cell Phone Plan (Nokia, Samsung,etc)
Free Local Chat Rooms
Christmas Decoration Tree
Christmas Tree - Christmas Tree
Claim Jumper
Life Coaching - Life Coaching
Coffee Maker - Coffee Bean
Tea Leaf Green
College Textbook
College Student Loan
Corner Computer Desk
Joy Of Cooking - Cooking Light
Cooking Light - Cooking Light Magazine
SEO Copywriting Services
Cosmetic Retailer
Valentine Crafts
Creative Visualization - Creative Writing
Apply Online For A Credit Card
Bad Credit Loan - Bad Credit Loan Home
Bad Credit Mortgages
Credit Counseling
Credit Repair - Bad Credit Repair Services
No Credit Check Loan
Earned Income Credit
Currency Trading - Currency Converter
Jewish Dating
Senior Datings
Debt Relief
Diabetics - Diet For Diabetics
Diet Pill - Weight Loss Diet Pill
Cookie Diet - Best Diet For Life
Weight Loss Diet
Low Carb Diet - Carb Diet Food Low
Lemonade Diet - Lemonade Diet Recipe
Digital SLR Camera
Scuba Diving - Scuba Diving Vacation
Sky Diving - Indoor Sky Diving
Divorce Lawyer
Divorce Separation
Defensive Driving
Driving Lesson
Internet Marketing Ebook
Ecommerce Solution
Targeted Email Marketing
Email Marketing Campaign
Critical Essay - Persuasive Essay
Bug Fashion - Bug Fashion Store
Real Estate Finance And Investment
Essential Of Corporate Finance
Fly Fishing - Fly Fishing Guide
Fishing Lure - Fishing Lure Guide
Fishing Boat - Fishing Boat For Sale
Bass Fishing - Bass Fishing Home Page
Bird Flu - Bird Flu Symptom
Flu Symptom
Flu Shot - Flu Shot Effect
Ashley Furniture - Ashley Furniture Store
Antique Furniture - Antique Furniture Store
Bedroom Furniture - Bedroom Furniture Kid
Value City Furniture
Wood Furniture
Build Custom Furniture