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Friday, February 27, 2009

Take Advantage Of Low APR Credit Cards

By Seth Bullock

Being that they are the best credit cards out there, low APR credit cards are available only to those persons who have good to excellent credit. Other than low interest rates, these cards typically offer a number of other benefits; think of them as a fitting reward for being responsible with your money. These highly desirable credit cards come with benefits such as:

*Up 5% cash back on select purchases *0% APR introductory periods on many offers *APRs as low as 7.99% after the introductory period has concluded *No annual fees *Rewards programs tailored to your preferences

Those are just some of the perks offered to low APR cardholders; responsibility pays off after all, it seems. If you have an excellent credit history, then you can afford to be choosy about credit card offers. Credit card issuers favor customers who have a history of timely payments and a record of keeping their balances to under half of their credit limit. To see some of the credit card offers out there, please navigate over to our site map.

Whenever looking at a credit card offer, you should carefully read the terms and conditions along with the perks and benefits. Doing so will help you to get the best low interest rate credit card. All of the major credit card issuers: Chase Manhattan, Discover and American Express, among others offer low APR cards to consumers who meet the necessary qualifications.

So how good is your credit score? If your credit score is excellent or close to excellent, then you can take advantage of the incredible rewards programs that Chase, American Express, Capital One and Discover provide to people who use their credit cards; and a great argument for keeping your credit score high.

Managing your money carefully is something which deserves to be rewarded. Credit card issuers recognize that it can be a strain to make all of your payments on time every month and to resist the temptation to overspend with your credit cards. Card issuers are happy to show their appreciation for responsible cardholders by offering them low APR credit cards.

Other than the low interest rates they offer, these cards also provide rewards which sweeten the pot; these include cash back of up to 20% on select purchases at certain retailers nationwide and travel rewards. These travel rewards are an especially useful program " you can earn points towards travel expenses like hotels, plane tickets, car rentals and more.

Do you have a good credit history? Request a copy of your credit report to find out. If your credit is very good to excellent, then you can apply for a low interest credit card and reap the rewards you have coming for your responsible credit management.

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