Best Credit Cards and Offers 2015 – Apply Online
October 4, 2015 – Guide to Finding the Top Credit Cards and Offers then you have landed at the website online for the #BestCreditCards! Searching for the Best Travel and Vacation Reward Credit Cards for 2015?The best summer credit cards are found here. We review credit cards every month, with a mission to help find the best offers and new card opportunities (like the Cash and Perks Credit Cards) to help uncover top offers for borrowers with every credit profile. Searching for the best cards this summer just got easier, we are constantly adding new reviews for all of the top cards on the market. Finding the top credit cards and offers for your needs may seem like trying to find a needle in a haystack, with so many promotions and advertisements telling you which one to choose. However, when you take the time to search according to your own terms, you will eventually find a card worth the effort.
Review the Best Offers for 2015 – Apply online for instant approval
It may be more convenient for you to open a new credit card with your existing bank, where everything can be handled in one place. Your bank probably offers a few of the major cards in different forms and with different terms. You may already qualify for a great card and introductory offer simply by being a customer in good standing.
Search for a Specific Card Online
Find a good site where you can compare a number of cards all in one place and where the major benefits of each will be presented. Be prepared to take your own notes and make on the spot evaluations. You should first determine how a card will meet the needs of your spending habits, and what your overall qualifications look like according to your credit standing. With impeccable credit your options are virtually unlimited, but a few strikes against you may mean fewer choices and higher interest rates.
Start Nitpicking Fees
After you’ve determined your preferences for a few cards, look into them in greater detail. Fees are a major concern for most consumers, so investigate them thoroughly. Consider application, processing, annual and late fees, all of which should factor into your decision. Also, fees for going over your spending limit may be of interest to you, if you typically have a concern about it. Should you be considering transferring an old balance to a new credit card, there may be a fee for that as well, which typically hovers around three percent.
Investigate Interest Rates
Many cards will offer you an introductory rate of interest. This will be an appealing number and it often motivates consumers to take immediate action without following through on other details. Since leaping before you look is rarely the correct course of action, look beyond the initial rate and see what you’ll be spending a year or so down the road. Some of the best credit cards come with major perks and bonuses beyond ordinary interest. Once you’ve found a few cards you would like to apply to based on reputation, interest and fees, take it a step further and see if you can find a reward based card that can do even more for you.
Other people are often eager to share their opinions and experiences regarding the top credit cards and offers available. For example, if you are a mom working out of your home, join a forum devoted to others like you and state your dilemma. You could simply post: “Help! Short on time, money and energy and need to find a great credit card.” Chances are good that many members will eagerly boast about their savings and amazing deals. Equally likely is that you will be warned about cards that should be avoided. If you work in a mid to large size company outside the home, pose a few questions to the finance or accounting manager. Such industry experts know which cards to use for personal budgets, and how to get the most from them.
Finding a trusted source for financial information isn’t always easy, so when you do find one, make a note of it for future reference. Credit cards are always changing terms to entice new customers, which means you should always be on the lookout for the next best card and amazing offers.
Updated October 2015- Top 10 Credit Cards to Consider for 2015
Top rated credit cards for August 2015! Searching for credit card offers a great incentive ($100 to $500 in sign up bonus) for borrowers who use the card for $500 worth of purchases during the first three to six months. Some card offers are now at zero percent interest rate on purchases and balance transfers for the first 12-18 months, pushing you well into 2016. Zero percent interest rate for purchases and balance transfers is always a popular choice, especially when combined with cash back bonus opportunities throughout the year. Some cards offer 1 to 2 % cash back on all other purchases (uncapped) and no annual fee which are sure to get consumers excited when looking for a new credit card.
The author for the top 10 cards rated for 2015 is Don Marks, you can connect with him on Google+ to share feedback and suggestions on this list and to recommend your favorite card for this year.