Low APR Credit Cards

These days, low annual percentage rates (APR) credit cards are more dominating than before. The actual contention is tight and many credit card organizations provide various rewards, freebies, low APR, point and more. These organizations desire to get the attention of new clients who never had credit card before, yet those who already own credit cards and might want to save extra cash by means of transferring their existing card balance to new low APR credit cards.

Naturally, zero is the lowest than a low APR, and those that also exist, though seldom for shorter period. For most introductory period, this can be the least or maybe the 0% APR, yet subsequently the rate is much high. Definitely, most of us are anticipating the permanent APR. Whilst most of us are not use to changing credit cards, we can always have the option to choose low APR credit cards, or perhaps 0% APR credit cards. By simply transferring the existing balance from the present high APR credit card, then once the introductory period has ended and the APR should increase on the new credit card, the balance can still be transferred to a new low APR credit card.

There are available options today that offer low APR credit cards, thus knowing the exact option is always important when making decision.

A good example is Citibank; it offers minimal APR credit cards, which provide the client at least 5% money back guaranteed on every transaction made either on a grocery store or gasoline station using the low APR credit card, and offers 1% back for any transaction anywhere. Within the first year, the APR transfer is actually zero. For instance, a transferred purchase with approximately $1500, the client will gain $5 money back using the low APR credit card. The good news is, no annual fee is collected and following the first year, the APR is lower.

Next is the Chase Bank, it offers also low APR credit cards. The 0% APR will last for 6 months, and then the client will just need to pay about 10.29%. Again, these minimal APR credit cards do not collect annual charges, and for every spent bucks using the Chase credit card will provide at least one point reward. Sometimes, clients take advantage of the free hotel accommodations, cruising destinations, airline flights as well as car rentals. Another benefit of this particular credit card is it offers almost half a million dollars of travel insurance in any destinations across the globe. Using the Chase cards can also provide the benefit of a 15% Hertz car rental discount when using low APR credit cards.

Lastly, the platinum clear card of Discover whose minimal APR is permanent. The APR is 0%, yet following the first year, clients should only need to pay around 9.99% without paying any sort of annual fee. Using the Discover credit cards will benefit the client of a 5% money back reward of transactions from restaurants, gasoline stations, home furniture retailers or hardware. In case the merchant will not provide a 5% reduction, 1% money back is always sure on any item bought using the low APR credit card.