0-apr-december2012Credit card applicants who are looking for a promotional financing offer need to choose carefully. There are many strong, competing offers available, and cardholders should understand what terms and benefits are most important.

Here is what applicants need to look for:

Duration of financing

Promotional financing offers must be at least six months long, but currently there are several offers that feature interest free financing for as long as 18 months, such as the Citi Simplicity® Card and Citi® Diamond Preferred® Card. It is also important to note if the financing applies to new purchases, balance transfers, or both. [click to continue…]

discover-it-newThe Discover it® is a reward credit card with a tremendously loyal following. It offers 1% cash back on all purchases, plus an additional 4% cash back on up to $1,500 spent at select categories of merchants that change each quarter. The bonus categories for the first quarter of 2015 have been announced, and cardholders can now register for their bonuses.

These categories include gas stations and ground transportation options such as buses, trains, taxis, limousines, and rental cars. Once cardholders have earned a total of 5% cash back on $1,500 spent at eligible merchants, they can still earn an unlimited amount of cash back at 1%. [click to continue…]

Chase Slate Versus Citi Simplicity

March 2, 2015
Chase Slate Versus Citi Simplicity

Two of the best promotional financing offers available are from the card and the Citi Simplicity. offers 15 months of interest free financing on both new purchases and balance transfers,with no balance transfer fee. offers 18 months of 0% APR financing on both new purchases and balance transfers, with a 3% balance transfer fee. The […]

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Discover Revamps Rewards, For The Better

February 27, 2015
Discover Revamps Rewards, For The Better

One of the gotchas of credit card rewards can occur when cardholders cancel their cards and lose their rewards. In other instances, reward cardholders must earn a certain amount of rewards in order to have the chance to redeem them. Yet Discover, one of the leading issuers of reward credit cards, recently announced that it would become […]

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How To Earn Cash Back And Have 0% APR

February 25, 2015
How To Earn Cash Back And Have 0% APR

The best credit card offers can significantly benefit cardholders in two important ways. First, a good promotional financing offer can feature over a year’s worth of interest free financing on both new purchases and balance transfers. Furthermore, the best cards will offer valuable rewards in the form of points, miles, or cash back. Thankfully, the […]

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Barclaycard Ring: No Fee Balance Transfers and 8% APR

February 23, 2015
Barclaycard Ring: No Fee Balance Transfers and 8% APR

The is unlike any other credit card. It is the first credit card run by social media in which cardholders can interact with product managers to get support, and the entire community votes on changes to its terms and conditions. But beyond these groundbreaking features, the Ring card also has some excellent rates. For example, […]

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Comparing The Two Discover it Card Offers

February 20, 2015
Comparing The Two Discover it Card Offers

The is a credit card that offers both a promotional financing offer and the ability to earn rewards for spending. This card is currently available in two different versions, each with different promotional financing offers. with 14 months of financing  This card offers 14 months of interest free financing on both new purchases and balance […]

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How To Save Money On Your Holiday Balances

February 18, 2015
How To Save Money On Your Holiday Balances

Many credit card users find themselves paying off their balances from the holidays throughout the rest of the year. Doing so will incur very expensive interest charges on cardholder’s average daily balance. For some credit card users, these interest charges can add up to hundreds of dollars. Thankfully, there is a way to eliminate those interest […]

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