There are scores and scores of credit cards, and most consumers – especially those with good credit – receive scores of credit card offers.
How does one weed through the mountain of offers to find the best card for their needs?
There are credit cards that offer balance transfer deals … low interest cards … cash-back cards … hotel/travel points cards … retail rewards cards … gasoline points cards … air miles cards … pre-paid debit cards … business cards … student cards …
We’ll stop before your head starts to spin.
Savvy credit card shoppers determine the best card for their spending habits.
Certainly, one must examine interest rates, fees and balance transfer options. The credit card rewards program often distinguishes it from other cards.
Consider your everyday purchases and spending patterns. Ask yourself:
Certainly, one must examine interest rates, fees and balance transfer options. The credit card rewards program often distinguishes it from other cards.
Consider your everyday purchases and spending patterns. Ask yourself:
- Do I travel frequently?
- Do I stock up on groceries?
- Do I pile up the miles on my car?
- Do I enjoy sports, concerts and other events?
If you currently own a credit card, scan your statement. What are some of your more frequent or costly purchases? Understand your spending habits. This helps to determine the type of credit card rewards program that fits you best.
Reward Your Spending Habits
Those who take advantage of the credit card rewards offers can reap some major benefits. Redeem points in exchange for a long list of products and services that include electronics, housewares, clothing, books, jewelry and much more. Use points for hotel stays, rental cars— or you may even be able to receive cold hard cash.
Some cards, such as AltaOne’s Visa Platinum Rewards card, also allow retailers to provide additional deals for card holders.When searching for the perfect card for your needs, some other benefits — in addition to rewards points -- may include:
- No annual fee
- Low fixed rate
- A 25-day grace payment period
- Worldwide ATM access
- Travel and emergency assistance
- Auto rental insurance
- No cash advance fee
- No balance transfer fees
- Full limit available for cash advance at the same interest rate
- A 14-day grace period (some cards will increase your rate if payment is made after due date)
Visit altaone.org for more information on our Visa Platinum Rewards card to see if it the perfect card for your needs.
Perhaps they pay the politicians and political parties big donations, or more likely give them loans at concessional interest rates to get these favourable laws passed. That would be bribery and the payments not tax deductible. credit card processing high risk
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