2. Interest Rates

A card’s annual percentage rate (APR) determines how much interest you’ll be required to pay on your balance each month. If you plan to always pay off your balance in full, a high APR card won’t hurt you. However, if there’s a chance you’ll accrue a balance, you want a card with the lowest APR possible.

Some cards offer no interest for a limited introductory period, typically six to 18 months. Zero-interest credit cards are a great way to pay down debt without accumulating additional interest. However, be aware of when the introductory period ends and the normal APR kicks in.

3. Special Offers And Expiry Days

Credit cards today adore to cranky sell and come adult with special offers. From film tickets to discounts on electronics, from dining out to cash back on all spend during an initial 90 days from a date of label issuance, credit cards are now going all out to woo customers. Pick and select between cards and demeanor during a offers that we are entitled to.

If an offer creates clarity and other aspects of a card are in sync with your requirements, one should go for it. However, do keep in mind a expiry date on such offers. All offers on a credit label are ubiquitous in inlet and not targeted during a specific individual. If we feel a time extent for expiry would be slicing it excellent with when we indeed get a card, it competence make clarity to skip it.