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With all the credit card offers available, how do you know you are becoming the best one? It would be foolish to marry the very first person you date or buy the very first home you see with a available sign. As strange as that sounds lots of people apply for credit card offers they enter the mail without comparing it along with others. If you are like me personally, you like to know you got the best deal and are prepared to do some homework to get this. This article will outline the major points of comparison which means you get the best credit card provide available. Rule One: Use the power from the Internet to compare offers. Using the web to compare offers levels the actively playing field. An offer that looked good within the mail might be terrible when compared to cards online. Not only will a person save time but, you will more often than not come out on top. Rule 2: APR is kingLower APRs (annual portion rate) are best. Higher interest rates means you'll be charged more for the debt in your card. Sometimes credit card offers have introductory periods without any interest. Offers with zero interest vary from 6 to 18 month and affect purchases or balance transfers or each. There are cards that have zero percent rates of interest that still have reward points as well. These cards are rare but anytime you could have a credit card pay you in order to borrow money interest free, do this! Rule Three: Watch out for Annual FeesAnnual fees have become a thing of the past. With the competition between cards you should not have to pay an annual fee. If your card has an annual fee send the offer towards the shredder. The only exception to this rule is if you want to repair your credit. Sometimes paying a fee to get going on rebuilding credit is worth this. Rule Four: Variable or fixed price? Go with fixed if you may. Fixed interest rates are a better option should you plan on carrying a large balance in your card. If you don't plan to make use of the card that much variable or fixed rates of interest doesn't matter as much. Rule 5: Choose the rewards that match your own purchasing behavior. Make sure the rewards you obtain match your spending habits. Some cards supply to 5% cash back rewards for several kinds of purchases. Some offer rewards for gas station purchases yet others offer rewards for using a particular airline. Make sure to seek out those cards which will reward you for purchases you happen to be making. By following these five rules locating the best credit cards is going to be much easier.






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