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Credit cards with 0% APR on purchases are popular among consumers due to the extremely low APR they offer. Annual Percentage Rate is the interest rate you pay for using the credit limit and it is always desired to be as low as possible.
The interest rate of a credit card depends on the type of credit history the product is designed for. A consumer that has poor payment history is not reliable enough from the bank's point of view. Therefore, they charge higher interest in order to cover possible losses.
Those with good credit history seem to be more likely to pay the debt off, so banks lend them money with lower charges. If you are lucky to have good or excellent credit score, look at credit cards with 0% APR on purchases as banks promote them.
As you can see at ApplyFast.com, these offers often come with some additional amenities like cash back, points, 0% on balance transfer in all possible variations, among which you can surely find your option. There are a few aspects that should be treated with attention.
• The main purpose of a low interest credit card is to reduce the cardholder's expenses on using the credit line. No wonder people usually search for the lowest APR, as everyone wants a credit card to be as much like free money as possible.
• When you choose a card to apply for, be sure to read the fine print and make a bit of calculation. Some cards have fees which can cancel out the low rate benefit. In most cases, you can enjoy paying zero interest for the intro period and a modest APR afterwards.
• If you are in the habit of paying the whole balance off every month, a perfect option for you will be a card with 0% intro APR and a good grace period, so that you could rather pay off the debt, not the interest. At our site you can see the latest low rate credit card offers presented by the prime of the US banks.
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Credit Cards Tips
Nowadays debit and credit cards have much in common: they have the same logos - for example, VISA or MasterCard and they both can be used for making purchases or cash advances. So, what card to choose - debit or credit?
On the one hand, debit cards are ideal for those who want to control their finances and stick to budget. You just won't be able to spend more than you have on your account. Applying for a credit card means that you are taking a loan, which has to be paid back. So, there is a possibility to accumulate a credit card debt.
When you compare credit card offers, APR is the most important feature capturing your attention. It helps calculate a cost of borrowing and therefore determine the best deal. Some credit cards come with fixed APR - it remains nearly the same for the whole life of your account. Other credit cards have a variable rate - the APR fluctuates depending on the Prime Rate or LABOR.
Besides the ways of calculations, there are other reasons which may cause your APR change. Credit companies can raise or lower your APR according to your credit history. Even fixed APR is subject to vary due to your creditworthiness.
App-O-Rama means a strategy of submitting multiple credit card applications within a very short period of time. If you have a good credit score, you can easily make hundreds or even thousands of dollars from this technique. You can borrow money at very low cost and invest it for a high rate of return. However, App-O-Rama is not as easy and low risk as many people think. This strategy is not suitable for people who are going to take on additional credit during the next year. Read more about App-O-Rama hidden pitfalls in our article.