Making The Most Out Of Owing A Credit Card

One of the easiest ways to save money, and to really make the most out of owning a credit card, is to make sure to go with a low ongoing APR credit card. Companies like Cvv Shop often will offer qualified customers a credit card with a low introductory annual percentage rate, but the best way to truly save money is to opt for an ongoing APR that does not expire after an introductory period. Over the life of the card such a rate can really add up to a sizable amount of cash. The following is a list of some of the most current offers for low ongoing APR credit cards.

The Slate credit card from Chase Bank is a great choice for a consumer looking for low interest rates. That card has a 0% APR for an introductory period of 15 months. After that period, the card can maintain a fixed APR as low as 11.99%. There are no annual fees and balance transfers are available for those with excellent credit ratings. If a customer makes $300 worth of purchases within the first 3 months then there is a $75 statement credit that will automatically be applied to the balance on the bill.

The Chase Freedom Visa credit card is another good choice for a consumer with an excellent credit rating. There is an introductory APR of 0% for either 6 months or 12 months depending on the type of credit. Balance transfers receive no interest for 12 months, while purchases will have no interest added for the first 6 months. After that, the card will maintain a fixed annual percentage rate as low as 11.99% which is comparable to other cards in this category. Through 3/31/2012 there is a 5% cashback incentive for purchases made at gas stations or Amazon.com with the Chase Freedom Visa card. On top of that, there is an always present 1% cash back incentive and that can be increased to 10% for purchases at certain online websites.

The Simmons First Platinum Visa credit card has an excellent fixed APR that is not subject to any introductory period. An interest rate of only 7.25% is available to those with an excellent credit rating.

There is no annual fee and balance transfers are accepted. There is a Simmons First Platinum Visa Rewards edition card which has a slightly higher ongoing APR (9.5%), but has the higher rate offset by some credit card rewards. Customers can opt to enroll in the card’s Travel Rewards program which provides points for every dollar spent. The Travel Rewards points can then be used for airline tickets from any US-based airline without any blackout dates or seating exception rules. The points are also valid for hotel stays, car rentals, cruises, vacation packages and other various expenses.

The Capital One Platinum Prestige credit card is another nice low ongoing APR credit card. There is a 0%

introductory APR on all purchases and balance transfers through May 2013. After that time, a regular low ongoing APR of only 10.9% is available to the customer. The card has no annual fee and has a $0 fraud liability policy in case the consumer’s card is lost or stolen. In such a case, the customer would not be accountable for paying for any of the damages. The Capital One Platinum Prestige credit card also offers two valuable 24-hour assistance programs. One is for travel assistance in order to issue a quick replacement card and cash advance in an emergency. The other is a 24-hour roadside assistance that can help with vehicle emergencies. Customer’s can choose their own image or photo and have it placed prominently on their new Capital One Platinum Prestige credit card.

Low ongoing annual percentage rates (APRs) are important for consumers who are really looking to be conservative with their card options. Depending on a customer’s individual credit rating there are various offers to choose from. Most of these cards issued through Cvv Shop, like the ones mentioned above, have an entire host of other benefits that also add to the value of the card. Check out some of these listed great offers and you can sleep better at night knowing that you are not breaking the bank.

A credit score is a numerical expression based on a level analysis of a person’s credit files, to represent the creditworthiness of an individual. A credit score is primarily based on a credit report, information typically sourced from credit bureaus. Lenders, such as banks and credit card companies, use credit scores to evaluate the potential risk posed by lending money to consumers and to mitigate losses due to unmanageable debt.

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