Kick Off Your New Year Right With A Great New Credit Card
The start of a brand new year is a time when many people make resolutions about all the things they’ll accomplish during the coming months, and take a close look at their behavior to figure out what they might change in order to make these things happen.
One way to make the year great is to get your finances in order, and getting a new credit card can be part of that resolution. Whether you’re trying to pay down debt, improve your credit score, be able to afford to travel more, or find the funds to make some home improvements, there’s a credit card that can help you achieve those goals.
If you’re thinking of applying for a credit card, there are a few things to keep in mind. Take a look at the terms and conditions before you apply, and you’ll be sure to find the one that’s right for you. Here are a few things to keep an eye out for:
A low APR. The interest rate, or APR (it stands for Annual Percentage Rate) tells you how much interest you’ll owe if you don’t pay your balance off in full each month. Getting a card with a low APR is a good idea, no matter what else you’re searching for in your credit card. Even if you plan to pay off your card and never roll a balance over month to month, it’s good to know that if you have to, you won’t incur a high interest charge.
Great rewards. If you want to travel more, find a credit card that offers amazing travel rewards, such as free hotel stays, frequent flyer miles, VIP upgrades, and perks like free bag check and priority boarding.
Balance transfer offers. A zero percent interest promo offer for balance transfers is the best way to pay off credit card debt quickly. You’ll save on interest, and be able to make a big dent in your debt, if not pay it off completely. Paying off credit card debt is a fantastic way to have a fresh start, at the new year or anytime. Zero percent APR on purchase cards are great too, as they can help you finance a big purchase or project, allowing you to pay off your balance over time without racking up interest.
Latest Low APR Credit Cards Guides
Of course, everyone knows that the most effective way to get rid of credit card’s interest is to pay off the entire debt before the due date every month. However, this is life, and everything may happen. For example, you can make some major purchase, or you may suddenly need a large amount of money […]Continue »
When choosing a credit card, one of the most important criteria for many applicants, apart from a $0 annual fee and rewards program, is the presence of a 0% intro APR period. In brief, once you apply for a 0% interest credit card and get approved, you can make purchases during the specified intro period, […]Continue »
Even if you are new to the world of credit, you, probably, noticed that some cards’ terms contain the word “Variable” relative to interest rates. Most applicants tend to never pay attention to this addition and have no haziest notion about its exact meaning. However, credit cards with a variable rate are the majority. So what does variable APR mean?Continue »
APR is an annual percentage rate or an interest rate you need to pay on your credit card for certain operations. There are some types of APR: a purchase APR, a cash advance APR and a balance transfer APR. They can either be different or the same.Continue »
Do you pay your credit card balance off in full every month without fail? Or do you find that some months, it’s difficult to deliver the total amount due, and you need to let some of it ride until next month? Perhaps you can only pay the minimum amount due, as interest mounts with each statement that comes into your mailbox.Continue »