Find the Best Student Credit Card for You

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Find the Best Student Credit Card for You5.00 out of 50 based on 1 voters.

Credit card issuers have made it possible for students to get credit cards for their individual needs. The best student credit card has incentives which include bonus points and cash back rewards for on-time payments and staying within credit limits. The credit card companies offer low APR and a long grace period to enable the student to make payments. Most student credit cards offer 0% introductory APR and adjust the rate after this period. Lenders offer free credit lessons and a budget calculator so the students can learn how to manage credit. Students have many options to choose from.

Independent Students

If you earn sufficient income you can qualify for a student credit card if you have good credit. Even students need a good credit score to obtain credit cards. Students can apply for a credit card when they attain age 21 from at any national bank if they have good credit history otherwise they will need a Co-signor. Banks encourage students to pay at least the minimum monthly payments on their cards instead of carrying large balances from month to month, by offering them incentives.
If you have a poor credit history, you may not qualify for the best student credit card at that moment, but if you make monthly payments on time, your credit score will improve and you will be able to qualify for a prestigious card in the future especially if you remain with the same lender.

Training Wheels

Students can ask parents or other adults to co-sign for them to get an unsecured credit card with limits which are known as Training Wheels. If you are a student and you have a cash deposit in your savings account you can obtain a secured credit card with the deposit as collateral. If you default, the bank will use the deposit to recover the outstanding amount. The secured credit card payments are reported to the major credit bureau and this will build your credit history so you can qualify for unsecured credit card in the future.
Sharing a credit card with your parents.

You can share a credit card with your parents if you are below 21 years on condition that the parent, a friend or family member agrees to co-sign and share the card with you. When the student defaults the Co-signer takes responsibility of the liability. Since the co-signer is held liable for the whole balance, he or she may track your purchase activities and spending all the time because he/she knows it will be their debt if you fail to pay.

Be smart when using your credit card

Financial Aid may not be enough for students to pay for all they require and they may need a line of credit. Students in college find themselves on their own when balancing a checkbook or tracking their spending and they may not have the money management and financial skills necessary. Lenders provide the students with the financial skills necessary and offer incentives to ensure that they use credit cards responsibly. Use the credit card tables we have provided to choose the best student credit card for your situation.

Find the Best Points or Air Miles Credit Card-Best Travel Rewards

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Find the Best Points or Air Miles Credit Card-Best Travel Rewards5.00 out of 50 based on 1 voters.

Credit Cards for Frequent Travelers

For many decades, frequent fliers have benefited from credit cards which offer loyalty programs to their customers. The bonus points and air miles on expensive business class air flights have attracted consumers who remain loyal to their regular airlines. The credit cards also offer special privileges which include VIP Packages, access to airport lounge, Concierge services and redeemable points on airfares, hotel rooms and car rentals to their loyal customers.

In order to compete with the expensive business class airlines, discount carriers try to allure consumers by offering cheaper fares and fast cash back rewards and rebates. The traditional airlines offer thousand of reward bonus miles and 0% interest rate credit cards in their special promotions for customers who sign up. These customers enjoy free round trips when they earn enough bonus miles within a few months after the signup.

Points and Miles Credit Cards

To attract more fliers, banks offer points and air miles rewards allowing fliers to redeem the rewards with any airline they fly on. They also allow customers to stay in any hotel of their choice. This is a flexible program and fliers do not have to stick with a single carrier or hotel but can change them as they wish. This is very appealing and in addition, some banks allow customers to apply points on upcoming fare purchases and previous fare purchases which are eligible.

Travel Credit Card Incentives

There are online travel booking agencies which offer great discounts on airfares and hotels booked with them. These companies have a business relationship with airlines and hotels which offer them large discounts due to bulk purchasing. You will get discount if you consolidate your airfare, hotels and car rentals and book with them. The best travel credit cards offer rebates similar to discounts earned when you book using these discount online travel booking agencies. You also earn rewards which are regularly reported by credit card bureaus adding points to your credit rating.

As a traveler, you have a choice of either cash back rewards or air miles saving you considerable amounts of money. You can save substantially by booking cheaper airfares and hotels at discounted rates from online booking sites or you can earn cash back rewards and air miles using the various travel credit cards. You will benefit greatly if you save the rewards for your packaged vacation or an expensive trip. Take advantage of seasonal promotions which offer rewards on airfares, hotels and car rentals.

Cash Back Rewards and Airline Credit Cards

There are many reward programs and you should choose the best that suits you. You can use the cash back credit cards and maximize your rewards to go for vacation or you may opt for travel credit cards which earn air miles and points so you can enjoy free round trips. You will sae considerable amounts of money and you will redeem your reward points for free airline tickets, hotel stays, dining, train, taxi, car rentals, entertainment, purchases and perks. Some card companies offer attractive seasonal bonuses and rewards.
Use the tables to compare different credit cards and choose the best that suits your needs. You will earn reward points which you can convert to free flights and free hotel stays or get cash back rebates depending on your personal or business goals.

Find the Cash Back Credit Card with the Most Cash Rewards

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Find the Cash Back Credit Card with the Most Cash Rewards5.00 out of 50 based on 1 voters.

Find the best cash back credit card

Credit card companies attract new customers and retain existing ones with cash back rewards. Lenders sway customers to sign-up with them by using cash back credit card deals. The best credit card for you is the one that saves you cash on what you spend most of your money on. If you spend a lot of money on groceries, look for a credit card which offers cash back on grocery purchases. Some people spend a large percentage of their income on gas and therefore gas cash back credit cards are the best for them.

If you spend on restaurants, bookstores, movie theaters or flights, you should get credit card rebates based on your spending patterns. If you pay your balances on time there is no need of signing-up for a 0% APR or 0% balance transfer card with fewer rewards unless you plan to make new purchases or pay unexpected expenses within the promotional period. Maximize your savings by choosing a credit card which has the most rewards possible on the categories you spend most of your money on.

Signup Bonuses

Lenders offer attractive signup bonuses to new customers which prompts them to sign up for the credit card during the promotions. Before you apply for a new credit card, analyze the benefits against the long-term financial costs tied to the new credit card. A cash back reward will save you money if you pay your balance on time. When you leave balances on your card which you carry from one month to another, you will be charged annual fees and other finance charges which will use up your cash back rewards if you do not pay-off the balance within the promotional period.

Read the terms and conditions and check the financial implications before applying for a new credit card and weigh the costs against the rebates and rewards. Read the fine print carefully to know the rebate limits because some credit card companies require you to reach a certain level of spending in order to qualify for a certain rebate, within the first months after signing-up for the card. To maximize your savings, apply for the new card just before a major purchase or when you expect to pay high unexpected expenses.

Earning online cash back rewards

Online cash back rewards are worth checking. Lenders offer links to online shopping destinations where you can qualify for rebates when you shop there. The bank referrals will earn you extra cash back rewards and bonus points when you follow these bank links and shop from these selected websites. Visit your bank’s website regularly and follow the links to these shopping destinations and earn extra money in addition to the usual cash back rewards.

Seasonal cash back rewards and bonuses

Many banks offer large signup bonuses and rewards tied to certain sports and shopping at particular departmental stores. When there are sporting events, concerts, film festivals and competitions banks offer high signup bonuses and huge cash back rewards to those who apply for new credit cards and sell pre-sale tickets to attend these events and activities. The same thing applies when holidays are approaching offering customers big purchase rebates when they shop in particular clothing stores and departmental stores. Review the best cash back credit card deals and choose the best credit card from our tables which will enable you to maximize on rebates and bonuses.  

Find the Best Balance Transfer Offer Available Now

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Find the Best Balance Transfer Offer Available Now5.00 out of 50 based on 1 voters.

If you are looking for a credit card that will allow you to make balance transfers from multiple cards or interest earning credit cards a 0% balance transfer credit card is the best for you. The best transfer offer available is the 0% balance transfer credit card with the longest period coupled with the lowest fees. Some cards bear no annual fees while others have no late fees and no penalties rates. It may not be possible to avoid all the fees but you can get an offer with the lowest transfer fees.

Compare balance transfer deals

There are many attractive balance transfer offers available. There are credit cards which bear long 0% APR balance transfer periods when the cardholder pays no interest on the balance carried on the card. These cards are the best if you have interest earning credit cards or when you want to transfer multiple balances into one card. You will have only one monthly payment to make and only one date to remember making you concentrate on other important things.

This card will help you manage your debts and reduce the costs if you make sure that you pay-off the debt within the 0% balance transfer period otherwise you will pay interest when the interest rate changes to the Regular APR. Read the fine print carefully before submitting the application form so you will know when the rate will change because although some ultra-premium cardholders enjoy special low fixed rates most of the balance transfer cards bear variable APRs which are consistent with the prime lending rates.

Find out from the terms and conditions if the finance charges will be based upon the whole balance transferred or on the balance remaining after the 0% balance transfer period. This is very important because if the company charges you on the full balance transferred you can lose a lot of money which you planned to safe. Luckily, if you are charged on the balance remaining at the end of this period you will save substantially if you make regular repayments or if you will have paid-off the balance transferred in full. If you carry a huge balance at the end of the period you will pay finance charges accordingly. Read the fine print carefully so you are not caught unawares.

Find the lowest transfer fee

Some banks lure the best customers by offering no-transfer fee to customers with excellent credit and those who hold their checking account and the credit card with the same bank. There are cards which charge no transfer fee within a specified period after which they charge a fee. If you are planning on making a balance transfer take advantage of the no-fee period otherwise look for a credit card which charges low transfer fee. Balance transfer cards are different and many charge transfer fees ranging between 3-5 percent.
When finding the best card look at all the features and compare all account terms to choose the best card for your needs. A balance transfer fee may be low on a 0% balance transfer card and yet the APR on new purchases may be a double-digit. If you plan to make new purchases, this card may be expensive while if you are interested in balance transfers, this card may be the best for you.

Plan your debt reduction wisely

Some people jump at 0% balance transfer credit card application and submission without reading the terms and conditions expecting to save substantial amounts of money. You must have a plan on how you will reduce your debts because the 0% APR period is not indefinite and sure enough it will come to an end. Try as much as possible to pay-off the debt within the specified period.
If you will not have cleared the balance and the Regular APR is high move to a low interest credit card. Compare the rates and plan wisely because if you keep moving from one credit card to another or cancelling cards regularly your credit score will be affected and part of your credit history on old cards will not be reported. If you plan on applying for a mortgage or loan in the near future, your credit history is important so you don't want to lose it.

Use credit cards to get out of debt. Consolidate the small balances into one card and enjoy the peace of mind which comes with one monthly payment and only one date to remember. Some banks allow you to transfer the small balance into one card while waiving finance charges within a short period. Reduce the interest you pay by moving your balance and paying it off within the promotional offers and you will save thousands or even hundreds of dollars if you follow a debt reduction strategy. 

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