Low APR credit cards are much more than prevailing than in old age past. Competition is stiff and credit card financial establishments offer many nice perks, rewards, points, low annual percentage rates (APR) and other inducements. They desire to capture new clients who've never had a credit card but also those who already have got a credit card and might wish to salvage money by transferring that card's balance on to their new low APR credit cards.
Of course, there is nil lower in an APR than zero - and those be too, although sometimes for a limited clip period. It may be that the lowest, or even the nothing percentage APR is for an introductory period, after which the rate is higher. The lasting APR is what you desire to watch out for, of course. Although if you're not opposed to doing a batch 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 clip time period have expired and the APR is about to travel up on your latest credit card, transfer the balance yet again to a trade name new low APR credit card.
Let's expression at a few of the low APR credit cards out there, so you cognize what sorts 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 store supplies 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 twelvemonth is 12.24 percent.
Discover have a platinum clear card whose low APR is continual. The first twelvemonth the APR is zero, but after the first twelvemonth it's calm a very competitory 9.99 percent. And there is no annual fee. With these low APR credit cards you earn a five percent cash back fillip on purchases made from hardware and home improvement retailers, restaurants, book vendors, and gas stations. If the retail merchant doesn't measure up you for the five percent price reduction you will always get one percent back no matter what you purchase and from where with this low APR credit card.
Chase Bank offers low APR credit cards as well. Its nothing percent APR is good for six months, after which you will pay 10.49 percent. These low APR credit cards have got 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 sails and auto rentals. This card also supplies $500,000 worth of travel insurance for worldwide vacationing. You can also take advantage of a 15 percent price reduction off a Hz car rental with these low APR credit cards.
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