Like you, we are bombarded in the mail with so many credit card offers from the major banks and credit card issuers that at times it can be difficult to determine the best card for you. We travel alot and try to generate miles for free travel so we spend a huge chunk of time looking at credit card offers and we want to share that wisdom with you. For every day expenses, we really like no annual fee credit cards. The most important factor in choosing a credit card with no annual fee is to recognize how the cardholder will use the card. Those who tend to carry a balance on their credit cards should be looking to save the most money on interest rates and fees. Cardholders who pay interest can seek out the lowest standard interest rates, or look for a promotional financing offer with 0% APR interest on balance transfers or new purchases.
The Discover it™ – 18 Month Balance Transfer is our choice with no annual fee, lets you get 0% Intro Balance Transfer APR for 18 months from date of first transfer by June 10, 2013 and gives you the chance to earn up to as much as five percent cash back bonus in certain rotating categories. As with all types of cards that carry this perk, you are limited to specific categories. You can also get unlimited 1% cash back rebates on all your other purchases. The card has a zero percent APR rate on all balance transfers for 18 months, and thereafter, you will have a regular APR of between 10.99 to 20.99 percent.
- No Annual Fee
- 0% Intro APR for 6 months of purchases and then 10.99% – 20.99% Standard Variable Purchase APR.
- 0% Intro APR for 18 months on Balance Transfers from date of first transfer, for transfers under this offer that post to your account by June 10, 2013 and then 10.99% – 20.99% Standard Variable Purchase APR.
- 3% Transfer Fee for each balance transferred.