The Key To Increasing Your Customer Base: Accept Credit Cards
Does Your Business Accept Credit Cards?
Finding a Free Credit Card Merchant Account
Applying For A Credit Card With No Credit History
Alternatives to Credit Cards
Credit Card Processing
How To Accept Credit Cards Without A Merchant Account
Tips For Businesses That Accept Credit Cards
The First Steps to Establishing a Merchant Account
Get The Best Credit Card Merchant Account
Free Credit Card Processing For Business Owners
Finding the Best Credit Card Processing Rates
Credit Card Merchant Account Services
How to Pass Credit Card Processing Fees to Customers
Do You Need Credit Card Processing Services?
Accepting Credit Cards Payments For Offline Businesses
Protecting Your Business From Credit Card Fraud
Want A Credit Card Merchant Account?
ACH (Automated Clearing House) vs. Credit Cards
An Introduction to Point of Sale Software
How to Cut Credit Card Debt
Understanding Your Business Merchant Account
Chase Credit Can Help your Credit Reporting Agency
Is Shopping Online Secure?
Boosting Your Business with a Merchant Account
Accepting Credit Cards Explained
Get A Credit Card Merchant Account
Top 5 Reasons Your Business Needs ACH Processing
The Secret of Credit Card Numbers
Retail Merchant Accounts - Do You Need One?
Enjoy The Benefits Of A Credit Merchant Account
Applying for a Credit Card Merchant Account Online
High Volume Merchant - Do You Need One?
Combatting Identity Theft
What to Consider When Filing for Personal Bankruptcy
Improving Your Financial Situation With Investments and Business Ideas
Do You Need Bad Credit Help?
Don't Get Hacked - Best Practices For Protecting Your Business
High Volume Merchant Accounts
The Importance of Credit Cards in Your Business Plan
Restaurant Merchant Accounts
Find The Best Merchant Account
Considering a Wireless Merchant Account?
Internet Payment Solutions - Need One?
Identity theft: Safeguarding Can't Hurt
Contactless Payments: Where's Debit and Who Will Benefit
MasterCard: Then, Now and Why
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Low APR credit cards are much more prevalent than in years past. Competition is stiff and credit card financial institutions offer many nice perks, rewards, points, low annual percentage rates (APR) and other inducements. They want to capture new customers who've never had a credit card but also those who already have a credit card and might like to save money by transferring that card's balance on to their new low APR credit cards.
Of course, there is nothing lower in an APR than zero - and those exist too, although sometimes for a limited time period. It may be that the lowest, or even the zero percentage APR is for an introductory period, after which the rate is higher. The permanent APR is what you want to watch out for, of course. Although if you're not opposed to doing a lot of switching, you can always purchase a low APR credit card, or zero percentage APR credit card, transfer the balance from your current high APR credit card, and then, once the introductory time period has expired and the APR is about to go up on your newest credit card, transfer the balance yet again to a brand new low APR credit card.
Let's look at a few of the low APR credit cards out there, so you know what kinds of options are typically available to you.
Citibank, for example, offers low APR credit cards that give you five percent cash back on any purchase you making at grocery stores and gas stations with your low APR credit card, and one percent back for any purchase elsewhere. The APR on transfers is zero for the first year. If your transfer transaction is at least $1500 you will earn $5 cash back with the low APR credit card. There is no annual fee and the APR after the first year is 12.24 percent.
Discover has a platinum clear card whose low APR is continual. The first year the APR is zero, but after the first year it's still a very competitive 9.99 percent. And there is no annual fee. With these low APR credit cards you earn a five percent cash back bonus on purchases made from hardware and home improvement retailers, restaurants, book vendors, and gas stations. If the retailer doesn't qualify you for the five percent discount you will always get one percent back no matter what you buy and from where with this low APR credit card.
Chase Bank offers low APR credit cards as well. Its zero percent APR is good for six months, after which you will pay 10.49 percent. These low APR credit cards have no annual fee, and offer rewards at the rate of one point for every dollar spent with your Chase card. You can get free airline flights and hotel rooms, as well as cruises and auto rentals. This card also provides $500,000 worth of travel insurance for worldwide vacationing. You can also take advantage of a fifteen percent discount off a Hertz car rental with these low APR credit cards.