Just by using a credit card you can get benefits for free, such as Identity theft protection, Auto rental insurance,
Travel accident insurance, Extended warranty for purchases and Zero fraud liability on unauthorized purchases. A
free rewards program is also a very common feature. The only cost will be the interest rates or finance charges if
you choose to not pay your balance in full each month. This section includes all credit cards with no annual fee
and has most if not all the benefits mentioned above.
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Standard fee for a balance transfer is 3%. Some credit cards offer the initial balance transfer for free or sometimes
all balance transfers for free. This unique offer can save hundreds of dollars in interest and fees, by transferring
the balance from your current credit card provider. This section includes all the credit cards that currently offer
no balance transfer fees.
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Low interest credit cards are designed for people who carry a balance month to month. This low interest rate applies
to purchases, but your balance transfer and cash advance interest rates could be significantly higher. If you plan on
carrying a balance and think you might use balance transfer or cash advance we recommend that you get a separate card
for that, as your monthly payment only applies to the lowest annual percentage rate. This section includes some of the
lowest APR for purchases offered by any credit card.
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Transferring balances from a high interest credit card to any credit card with promotional balance transfer rates can
save you a significant amount of interest or finance charges. You can experience an initial balance transfer fee, but
the savings in interest can rapidly exceed the transfer fee. This section includes all the 0% intro rates that credit
card companies currently offer either for purchases, balance transfers, cash advances or sometimes all of them.
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