Best Credit Card Offers

Written by Jessica Duquette
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How Can You Find the Best Credit Card Offers?

When you are searching for a new credit card, online or through any other means, you should be aware that there are vast differences between cards. While most cards look alike, the differences can be very costly over the years you will use your card. Getting the best credit card offers is not all that complicated and doesn't take much time at all, and it's well worth the effort in the long run.

What makes one card better than another one is how well it suits your specific needs and what it will cost you. Some cards come with a zero introductory finance charge, for example, but, once the grace period is over, revert to very high rates. Others offer the introductory rate and offer a much lower rate after the initial rate expires.

What Else Should You Look For?

For people with great credit, card companies make outstanding offers that include waiving origination fees and annual fees in addition to other benefits such as product insurance, travel discounts, etc. If your credit is less than perfect, you can expect to pay an origination fee and other charges that are added to protect the company in the event you default. Taking a careful look at the charges, in either case, is the best way to find the right card.

That means reading the small print--even online--and printing out the card terms. Even people with recent bankruptcies can benefit from the best credit card offers. Go to several sites and look at the charges and add them up. If you find a card that requires no deposit but will cost you $200 for $300 worth of credit, keep looking. Paying an exorbitant origination fee, a huge annual fee, and, in some cases, a "monthly usage fee," are not the best path to reestablishing your credit. Whatever your credit history, keep looking until you find a card you can afford.

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