If you are planning to get a credit card for the first time or get a new credit card, you should check out SmartCreditChoices.com to find the best deals . The credit cards are classified by category into instant approval credit cards, 0% credit cards, balance transfer cards, cashback credit cards, reward credit cards, low APR credit cards, prepaid credit cards and other categories for the convenience of the user. The credit cards are also classified according to the four major credit card networks – Visa, Mastercard, Discover and American Express and issuers like American Express, Advanta, Discover, Bank of America, Citibank, HSBC.
Credit cards offering 0 balance transfers allow consumers to save a substantial amount on the interest on the unpaid balance on the credit card. Some cards like the Discover More (SM) Card-Top 0% Balance Transfer credit card offer both a 0 apr balance transfer for 12 months and 0 apr on purchases for the same period. Other may change a low APR of less than 4% for no fee balance transfers.
Depending on the amount due on the credit card and future spending patterns, a consumer can select a credit card to maximise his or her savings. Most of these credit cards offer a cash back bonus of up to 20% on online purchases and protection against online fraud. To be eligible for the best offers for 0% APR no fee balance transfer credit cards, your credit rating has to be either good or excellent.