Reaping benefits from your credit card offers

Tuesday, August 2nd, 2011
Updated: August 2nd, 2011
The content is accurate at the time of publication and is subject to change.

Our mailbox and email accounts are constantly bombarded with unique credit card offers. We also watch them being promoted everywhere. With swarming attractive deals and launching of new credit cards, it becomes a daunting task to discover the promotions that best suit our requirements and needs. When considering to signup for a credit card, the best place to begin is at your local bank. You receive numerous benefits on credit card deals when you obtain it directly from your current bank or credit union. For starters, you can be confident of owning more secure plastic money because you share a long, trustworthy relationship with your bank. Further, several banks and financial institutions are offering great incentives for obtaining any of their proprietary bank cards.

Undoubtedly, credit card leverages the customer the ability to purchase the goods and services during a financial crunch. Money back on purchases made add to the icing on the cake. Purchasing the provisions and receiving incentives over it is an excellent combination for any credit card. For instance, in a bid to expand their customer base, credit card companies are currently offering great discounts and hot deals to frequent travelers. A few of the applicable hot deals include fees waived off on the first checked-in baggage including people who are travelling along with you. Foreign transaction fees are waived off, and free passes to airline clubs are distributed. In addition to the bonus miles offered, the annual fee is waived off for the first year.

According to The Wall Street Journal, credit cards are offering several rewards and perks, in an effort to attract more affluent customers. Since the travel reward cardholder is a big spender and purchases over $1,359 monthly as compared to an average cardholder, who exhausts up to $805 only, the financial institutions are leaving no stone unturned to attract the big spenders. Hence, the competition in the travel rewards cards segment is reaching new heights, never witnessed before.

The prices of gas are constantly increasing, and discovering a suitable credit card that offers rewards at gas stations is the best ways to save money on fuel. Even though the market is flooded with gas rewards credit cards, yet only a few are worth gaining a place in your wallet.

Some of these credit cards offer triple points during the initial six months of obtaining the card, on shopping at gas stations, drug and grocery stores. Hence, credit card holders who spend $100 via these cards in the first two months, receive $50 worth of credit points back on their card, which can be used the next time they visit the gas station.

Other astounding credit card offers include receiving 2% cash back on purchases at gas stations and 3% cash back when used for grocery shopping. Some of these unique cards may not carry an annual fee but the interest rate begins at 17.24% onwards.

After reviewing the latest trends on best credit card offers, we have complied five unique offerings that we think should hold a place in your pockets.

Balance Transfer Cards offer a low or 0% APR to help you transfer the remaining balances from a higher interest rate cards. The low APR is for a specific time ranging from 6-18 months. Read the fine print to discover the best offer because there is certainly a fee attached to transfer the balance. If you continue to use the card post the balance transfer, watch the APR on purchases. Interestingly, the fee applied to balance transfer does not increase beyond $1.

Airline Reward Cards helps you earn air miles and is typically beneficial for individuals who travel frequently. For every $1 you spent you gain ONE mile point. If you prefer flying with an airliner we advise you to apply for their card. Since, airline reward cards levy higher interest rate and have an annual fee; therefore, this card is appropriate for individuals who pay the balance in full each month. You may even grab a fat bonus incentive when signing up for their card.

Prepaid Cards is swiftly gaining prominence, today. With the economic meltdown, paying for credit card debts is a major challenge for us today. Nevertheless, you can continue to enjoy purchasing from your credit cards without having to worry about the debt payment later. Prepaid card allows you to control your spend, and liberate self from the stress of accumulated debt payments. How it works? You load the card with your own money and then use it as a credit card. Since the money belongs to you, hence never pay an interest. Hence, it is considered a secured credit card, and often used by people seeking to control their financial troubles. Further, you can establish a new or improved credit score by using this type of card. Before taking advantage of this card, we would like to inform you that your activities will be reported to a minimum of one major credit bureau.

The automotive industry is not left behind in the credit card business. Automotive Cards is the new kid on the block, these cards offer points equivalent to every dollar you spend towards the purchase of a new auto. Remember this card be used only on the purchase a new auto.

Cash Back Cards are gaining popularity. Who doesn’t like being paid for using their credit card? However, read the fine print on the interest rates, and terms & conditions before taking a step forward.

It is important to always read the fine print before you begin to shop via your chosen credit card. The offers always look attractive but the real information lies embedded in the fine print, and often not read by the consumers. Furthermore, you must also inquire about the default rates, as most companies today impose heavy interest rate if you fail to make a payment on time.

It is a wise decision to sign up for a credit card, but read the fine print carefully, and use the plastic money wisely, lest you may be in a rude shock.

All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.

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