Most credit cards offer a 0% APR promotional financing offer or a rewards program. Nevertheless, a few cards offer both. In general, those who have credit card debt should focus on paying it off rather than earning more rewards.

But there are still some people who want to transfer a large balance while continuing to earn rewards. And in the case of the NFL Extra Points Rewards card, customers have the opportunity to earn tickets to games that can be very hard to get.

How the promotional financing works

New cardholders receive one year of interest free financing on both new purchases and balance transfers, but there is a 3% balance transfer fee.  12 months is less than several other competing cards that offer 15 or 18 months of similar terms, but this length of time can work for many people. [click to continue…]

Slate from ChaseFor most people, the Chase Slate is the best balance transfer credit card on the market. It offers 15 months of interest free financing on both new purchases and balance transfers, and is the only card with a 0% APR balance transfer offer and no balance transfer fee.

So how can cardholders make the most of this card? Follow these steps:

First, the Slate card may not make sense for everyone. For example, cardholders who have debt in an existing Chase account cannot transfer it to their Slate card.

Next, it is important to apply as soon as possible. Each day that goes by means that applicant’s existing debt is continuing to accrue interest charges. The sooner one applies, the sooner applicants can receive the card, perform the balance transfer, and stop paying interest.

Also, note that the promotional balance transfer offer is only valid for the first 60 days after opening an account. [click to continue…]

How Much Have You Spent on Interest in 2013?

June 15, 2013
How Much Have You Spent on Interest in 2013?

For those with credit card debt, every statement can be a painful blow. Each month, cardholders see a new balance with another large interest payment. But what is worse, is the total amount of interest being paid throughout the year. And while it won’t be fun to learn the answer, it is important to know [...]

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Discover it – Which Offer Should You Apply For?

June 13, 2013
Discover it – Which Offer Should You Apply For?

Earlier this year, Discover ceased offering most of its products and unveiled their new “it” card. The “it” card features 1% cash back on all purchases, and 5% back on purchases from selected categories of merchants that change each quarter. But in addition, “it” also features 0% APR promotional financing on both new purchases and [...]

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June’s Best Credit Card Values

June 12, 2013
June’s Best Credit Card Values

This June, credit card users continue to enjoy fantastic value from their reward credit cards. And while many products offer points and miles, some of the best cards feature cash back for spending and as a sign up bonus. Citi ThankYou® Preferred Rewards Card This Citi card now offers a sign up bonus of 15,000 [...]

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Best Balance Transfers For June

June 10, 2013
Best Balance Transfers For June

This summer, credit card users with debt are still able to take advantage of some of the top promotional financing offers. This ‘golden age’ for credit card users continues as there are several great products available with 15 months of interest free financing or more. Discover it New for 2013, the “it” card features 18 [...]

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What You Should Know Before Traveling Outside The United States With Your Credit Cards

June 6, 2013
What You Should Know Before Traveling Outside The United States With Your Credit Cards

Credit cards are convenient and powerful financial instruments, but they are not magic. In fact, many of their “powers” change when traveling outside of the United States. So as you organize your wallet for your big international trip, consider these important aspects of your credit card: 1. Inform your banks. If you were siting at home [...]

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Chase Improves Ultimate Rewards Program

June 4, 2013
Chase Improves Ultimate Rewards Program

The sign of a strong and healthy credit card rewards program is its constant improvement. And at a time when some loyalty programs are being devalued, it is always nice to see a program increase the value of it points. Chase has done so by recently adding  Virgin Atlantic as its 10th Ultimate Rewards point [...]

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