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When looking for the best credit card offers one must take into account the Annual Percentage Rate (APR), sign on fees, handling fees as the very basics and then the assorted reward systems, offers and promotional benefits that can accrue from purchasing that particular card.

The standard APR, the annual interest payments on the card, tend to vary from eleven to seventeen percent, with eleven obviously being the most desired region. The APR’s however depend a lot upon whether there is an introductory period of low or 0% APR is offered and whether the APR is fixed or variable depending on APR reduction offers with increasing purchases.

These are the typical no-limit credit cards but there are also the prepaid and secured debit/credit card types for people who have poor credit ratings, worried about getting into debt or just unable to secure a normal credit card.

As is obvious from their popularity, Visa and MasterCard are the industry leaders and set the stall in all of the credit, debit and secured credit card production markets; while prominent issuers include American Express, Chase, Citibank, Discover, HSBC and the New Millennium Bank.

At this point in time, the Discover series of cards are the lowest priced, in relation to their APR and usage charges but for obvious reasons the more expensive cards carry, with them greater perks and advantages.

For example, American Express cards have a Platinum Delta Express variety that don’t have 0% APR periods and do have sign on fees but offer the chances to earn free miles on airways through repeated use of the card and a free coach class ticket of your choice for renewing the card every year.

Airline rewards aren’t the only things floating around the credit card market, most every card has cash back rewards (saving a percentage of the money otherwise spent on the purchase), hotel rewards (discounted/free rooms and suites) and travel rewards (discounted/free trips).

There are also college credit cards aimed at students who don’t have enough money to open big accounts but want to get a good credit rating before starting their professional earnings.

Shopping for a credit card is almost as fun and diverse an activity as shopping with a credit card.

A simple keyword search on Google or any other search engine will reveal hundreds upon hundreds of sites comparing, contrasting and suggesting different credit cards. There is enough on offer to satisfy any sort of consumer. Cardoffers.com has a particularly nice display panel of the best offers from issuing companies.

Filed under: credit card