- 0% APR for 6 Months
- $0 Annual Fee
- Low APR
Here is your typical credit card offered through a bank, however this card does offer many attractive benefits. If you have an average credit score and are looking to carry an occasional balance then this card may fit you. The IberiaBank Visa(r) Classic Card, issued by Pulaski Bank, can help an individual build credit quickly or finance a large purchase. Tired having your finances controlling your life? Allow this card help you get your credit score to where you want it to be.
Although the IberiaBank Visa Classic Card does not offer any type of rewards program it does offer the basic benefits that are associated with the card. Some examples are online account access and lost or stolen card reporting and even cash advances. The price of a cash advance with this card can be much lower compared to other companies. There is a simple 5% on cash advances and cardholders can withdraw any amount between five dollars and one-hundred.
A card with no annual fee, low APR, not to mention the first six months with 0% how could anyone not want this card? This is the ideal card for someone who desires a low rate credit card that offers excellent benefits. Take the time to apply for this card and find out how you can begin building your credit while managing your finances.
If you have good credit and want all the perks of a platinum credit card, the Citi Platinum Select Card is for you. The Citi Platinum Select Card is an excellent basic credit card for people who will take advantage of the initial offers and array of services Citibank offers. In this post, weâ€™ll discuss the basics of the Citi Platinum Select Card to help you decide if itâ€™s right for you.
Citi Platinum Select Card at a Glance
- 0% introductory APR on purchases and balance transfers
- Introductory APR lasts for up to 12 months
- No balance transfer fees during intro offer
- Regular APR ranges from 1.99%-6.99% plus Prime Rate (depends on credit)
- $0 liability on unauthorized purchases
- Optional personal photo on card for security
- Free online account management
- No annual fee
About the Citi Platinum Select Card
The Citi Platinum Select card is great for people with good credit who want the benefits and protection of a platinum card. The Citi Platinum Select comes with competitive introductory offers, including a 0% APR on purchases and balance transfers for up to 12 months. Depending on your credit history, the regular APR will range from 1.99%-6.99% plus the Prime Rate. The minimum cap for cash advances is a 19.99% APR.
Platinum Benefits from Citibank
The Citi Platinum Select MasterCard comes with a variety of platinum services from Citibank. You will have access to auto rental insurance, up to $1,000,000 in travel accident insurance, and fraud protection services. Additionally, you will be privy to Citi Identity Theft Solutions with $0 liability on unauthorized purchases. You will enjoy free, secure online account access, lost wallet service, and lost/stolen card reporting. To maximize the security of your card, Citibank gives you the option of placing a personal photo on your card. The Citi Platinum Select also comes with medical and legal referral services and emergency cash replacement.
0% APR, even though it can be limited, is a great thing. It can be very beneficial in the short time that you have it. So why wouldnâ€™t you just apply for cards, and use them until the 0% APR expires, then just apply again for another card? Well it actually can be quite damaging.
Misuse of 0% APR
- You may just get cut off from getting cards.
The company will notice that you either keep applying for cards and only use them for that period, or they may notice that you are misusing these cards. They can then reserve the right to deny you any future use of the cards.
- You run the risk of missing a payment
All these free wheeling on these cards may cause you to be late on a payment. Since the companies are allowing you the opportunity to get 0% APR, they will be stricter on the payments. If you miss one, they you are in trouble. Then your APR will be very high.
- Opening and closing credit cards affects your credit history
This is a big one. If you keep up the process of opening and closing cards, then you may just run yourself right out of the cards that have 0% APR. So in your haste to catch the 0% APR, you may be limiting the overall time you can qualify for those cards.
- You will not be looked upon favorably if you cut corners
Companies thrive off your interest you pay. So if they notice you are just transferring your debt among cards with 0% interest, they will not be happy. Especially if this is something you are constantly doing. It may seem like a great thing to do, but know that you may be running the risk of getting reprimanded.
Be Smart About Your Use of 0% APR
Like I said earlier, 0% APR is a great thing to have. But, just like anything else, if you take it for granted then you can find yourself in some trouble. Do not take try screw the system, because you will be the one with the problems. These companies will work with you more if you work with them. So in the long term, even though the continuing 0% APR seems great, you may be better off with using that service and getting on with life after it runs out.
If you have very good credit and are searching for a platinum credit card, you should consider the Chase Platinum Visa. The Chase Platinum Visa credit card is very much a total-package dealâ€”it comes with an unbeatable introductory interest rate, a stellar rewards program, and no annual fee. This post will explain the basics of the Platinum Chase Visa card and why it stands above the competition.
Chase Platinum Visa: The Basics
- 0% introductory APR on purchases and balance transfers
- Enjoy the introductory APR for a full year
- No annual fee
- Point rewards program
- Points redeemable for cash, travel, gift cards, or merchandise
- 14.24% regular APR (variable)
About the Card
The Chase Platinum Visa offers an unbeatable introductory APR of 0% for the first 12 months you are a cardholder. Not only does this apply to purchases, but also to balance transfers. Once the intro rate expires, the Chase Platinum Visa credit card offers a 14.24% variable APR. The Chase Platinum Visa uses a unique billing method called the â€œTwo Cycles Average Daily Balanceâ€ method. This method is different from the â€œAverage Daily Balanceâ€ method used by some other cards. What this means is that if you intend to carry a large revolving balance, the two billing cycles might end up costing you more to maintain that balance. However, this only applies to those who intend to carry large revolving balances on a regular basis.
Chase Platinum Visa Rewards Program
With the Chase Visa Platinum cardâ€™s rewards program, you earn a point for each dollar you spend on purchases. A major advantage of this card is the wealth of options you have with regard to point redemption. You can exchange your points for flights, cash back, gift cards, or merchandise. There is a 60,000 maximum for the number of points you may earn each year, and points expire after five years.
The Chase Platinum Visa: A Cut above the Rest
The Chase Platinum card by Visa rises above its competition for several reasons. For one, the rewards program offers an unparalleled selection of redemption options, so you have a variety of things for which you can exchange your points. Furthermore, the card offers excellent cardholder benefits, including free access to your account online, insurance for auto rentals, and insurance against travel accidents. Finally, the Chase Platinum Visa credit card gives you all of these benefits without any annual fee.
Click here to apply for the Chase Platinum Visa
Do you occasionally carry a balance on your credit cards? Would you like a card with a great rewards program? Do you have very good credit? If yes, then the MERRILL+ Visa Card by Bank of America is the card for you. The MERRILL+ Card offers the best of both worldsâ€”a terrific rewards program in addition to unbeatably low APRâ€™s. In this post, the basics of the MERRILL+ Card will be discussed, as well as the features that make it unique.
MERRILL+ Card: The Basics
- 1.9% introductory APR on balance transfers
- Intro APR lasts 12 months
- Intro rate also applies to cash advance checks
- 9.99% fixed regular APR
- No annual fee
- Point reward program
- No limit to number of points you can earn
MERRILL+ Card Rewards Program
The MERILL+ Visa Card comes with a rewards program offered by Merrill Lynch. In this program, you earn one point for each dollar you spend on purchases. When you purchase a Merrill Cruise, you earn double points. Points expire after five years, and there is no limit to how many points you can earn. You can redeem your points for travel rewards (car rentals, hotel stays, flights, etc.), gift certificates, special experiences, merchandise, and more.
What Sets the MERRILL+ Card Apart
The MERRILL+ Card by Visa offers the unique combination of a rewards card with super-low APRâ€™s. The introductory rate is a mere 1.9%, and the regular APR rate is 9.99% and fixed, which means you do not have to risk the fluctuations in rates that come with variable APRâ€™s. The MERILL+ Visa offers a plethora of cardholder benefits in addition to the rewards program. These benefits include extended warranties on purchases, up to one million dollars in travel accident insurance, emergency and travel assistance services, and auto rental insurance. And, when you reach certain levels on your annual spending, you will earn access to even more benefits and services. You get all of this for absolutely no annual fee.
If youâ€™re looking for a low-interest rate card with an unbeatable rewards program, look no further.
Do you work hard to keep your credit rating above average? Do you want the lowest possible interest rate you can get? Well, youâ€™re in luck - the Capital One Platinum Prestige Credit Card is just that. This is a new card to Your Credit Network and we want you to take advantage of it. This post will cover the basics of this platinum card and how this incredible card is the best you can get.
Capital One Platinum Prestige: Credit Card Basics
- $0 annual fee
- 7.4% Variable APR (the lowest APR of any credit card available)
- No application or participation fees
- Designed for those who have very good to excellent credit
Click here to view the full details of the Platinum Prestige Card from Capital One
The Lowest of the Low Interest Credit Cards
You read right: 7.89% APR. You would be hard pressed to find a card with a lower interest rate, simply because it doesnâ€™t exist. This is why the card is perfect for things like balance transfers and even carrying large balances from time to time. Capital One wants you to be able to use this card for anything you want, and for the lowest APR possible.
No fees. None. Zip. Zilch. Nada. Combine that with very low interest and you have the perfect credit card. You have great credit, and it is important to cash in on that. This is one of the most cost effective credit cards that you will be able to get a hold of. Who wouldnâ€™t want it?
One of the Best Credit Cards Around
You deserve the cream of the crop, and Capitol One Bank will give you just that. While this credit card does not have a rewards program, itâ€™s clear that the true reward is the lowest interest rate available by any card anywhere. Period. Itâ€™s that simple.
Click here to apply for the Capital One Platinum Prestige Credit Card