Low Interest Rate Credit Cards - Your Month to Month Solution

By: Chris Buchanan


Most low interest rate credit cards offer longer 0% APR and higher rate on cashbacks and purchase discounts. Some offer one-time high bonus points that you can redeem flexibly. If you are applying for a low interest credit card or any kind of card read first the terms of use, the fees, introductory and on going APR, and the benefits that you can redeem, such as: cashbacks, discounts percentage, redeemable points, etc.

Applying for a credit card is not hard to do with online accessibility it is just a few clicks away but it should not be taken for granted. You need to make sure that the card you are applying for is the kind of card you really need. For a working individual having a low interest rate credit card is essential; because you want to make sure that you get the best value of your hard earn money. If you are looking for a credit card for a short term use low interest rate credit card could be the one you really need. Just make sure that you are following the terms of use from your issuer. It is very important to bare in mind to pay your dues on time to avoid penalties. And if your issuer offers cashbacks if you pay in advance, it is wise to enjoy it too.

Low interest rate credit card is effective for people who want to build up their credit line. It is very useful is the cardholder will use its benefits like enjoying a longer 0% on introductory APR or a lower on going APR. Its all about you taking a big "decision" if you failed to read the terms of use of any card you could have fall into a financial trap. Before applying to any kind of card you need to make sure that your expenditures and card charges are not exorbitant to your income; because that's how you fall into a financial trap.

For first time credit card user possessing a low interest rate credit card is a wise choice in order to build up a good credit rating. If you have good credit rating it will be very easy for you to apply and get approved for another type of card you want to use. And the higher the rating the higher the benefits you can get too. Therefore, having a credit card is not just a matter of having a debt but also having the opportunity to enjoy the most out of your hard earn money.

If you want to maintain a good credit card rating you need to pay your due amount on time or in advance for additional cashback. Having a good rating does not mean you have the most card in your hands or hooping from credit card to another. Good credit card rating is basically from the attitude you put in whether you pay it on time or in advance for more cashbacks. But normally, most low interest rate credit cards offers the same value of on going APR but differ on the time frame of 0% introductory APR, benefits and percentage of discount on your purchases.

Some low interest rate credit cards offer longer and low APR but they will charge you for a certain amount per year or monthly fees. Some offer shorter time for 0% introductory APR but you will enjoy a free annual fees and no hidden charges when you redeem your rewards. For short term use you can enjoy the longer promotional 0% APR but you need to pay the rest of the balance before the promo period expires. It is all just a matter of deciding which one suits you best. Comparing one low interest rate credit card to another is a wise move toward choosing the right card for you. Take note on the time frame of 0% introductory APR, on going APR, fees, and cashbacks discount that you can redeem. Educating yourself for more information before applying should be the first step if you are thinking of acquiring a credit card. For example, take note on the following credit cards, what they offer and if they are useful to you.

1.

DiscoverŽ Student More Card - offers 0% introductory APR for 9 months, standard APR ranging from 12.99% to 18.99% and you can redeem up to 5% cashbacks on your purchases.

2.

DiscoverŽ MoreŽ Card - offers 0% APR for the first 14 months, the on going APR variable from 10.99% to 20.99%, 5% cashback up to $1,500 when you buy at any Department Store and via online shopping, and 20% discount if you shop online at Discover.com.

3.

NFL Extra Points Credit Card - offers 0% promotional APR for 12 months, and the standard APR variable from 13.74% to 22.74%. Available in all 32 teams and NFL Shield, you can earn an awesome one-time bonus of 10,000 points after your first use of the card, and 20% discount every time you shop at NFLShop.com.

With the above 3 low interest rate credit cards you can easily compare the benefits you can get and what it is for. You can even apply all of it the DiscoverŽ Student More Card for your kids, the DiscoverŽ MoreŽ Card for the mom and the NFL Extra Points Credit Card for the dad. Each offers different rates and benefits but suits your needs. Hurry get one now!!!

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Most low interest rate credit cards offer longer 0% APR and higher rate on cashbacks and purchase discounts. Some offer one-time high bonus points that you can redeem flexibly at 1800creditcards.com.

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