5 Ways to Get the Best Deal on Credit Cards

Friday, 28 Jan 2011 12:10 PM

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Today customers are bombarded with a variety of different products and brands. Credit cards are no exception. Every individual is exposed to an information barrage about credit cards and different plans offered by different companies. This can leave the customer utterly confused. Here are five ways to get the best deal on credit cards:
 
Own a Visa or MasterCard:
The best way to kick start a credit card cycle is to own a Visa or MasterCard regular credit card. These cards offer maximum reliability and security in over 150 countries around the globe. Since these cards are accepted in almost all locations in the world, this is the best deal for easily payable credit cards.
 
Consider balance carry-forward options:
People who need their cards to carry a balance, a credit card that offers low rates of interest, rewards, and cash back offers should be considered. Some of the best deals on such credits cards are Citi® Platinum Select® MasterCard, Chase Freedom® Visa - $100 Bonus Cash Back, Chase Sapphire Preferred Card, and Orchard Bank Classic MasterCard.
 
Clear balances each month:
If you are a person who pays off credit card balances regularly each month, owning credit cards offering the choice of maximum rewards and cash back facilities is the best option. Some of the best credit card deals are offered by Chase Freedom® Visa - $100 Bonus Cash Back, Citi® Diamond Preferred® Rewards Card, and Capital® Venture(SM) Rewards Credit Card.
 
Rebates and discounts:
Owning a credit card with rebates is ideal for people in the corporate world and for regular travelers. Some companies offer credit card rebates in different forms like flight discounts, business transactions, gas rewards credit points, auto rebates, hotel discounts, retail sales, and several cash back offers. American Express, Discover Card, US Bank, and Wired Plastic, etc. offer some of the best deals on credit card rebates.
 
Bad credit or poor credit history:
Are you a person with no credit or poor credit history? A secured credit card is the best way to help improve your current market credit standing. A danger of owning a secured credit card is the high rate of interest because banks, by default, charge exorbitant rates when a customer has poor credit history. Making the right choice in this scenario is of prime importance. One of the best secured credit cards is the Public Savings Secured Visa Credit Card, which offers the lowest rate of interest. Individuals with low credit ratings are encouraged to pick a secured credit card.

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