The average
person living in the United States of America is walking around with some sort
of credit card debt. In the tough economic times that we are facing, many
people are turning to their credit as a way to afford their everyday
necessities. 0 APR credit cards provide a way for the average person to save
some money on interest payments and get their credit card debt paid down
faster. There are many different types of cards available to people depending
on what their credit score is and what type of card they are looking to get.
One of the
more popular types of 0 APR credit cards on the market right now are cash back
credit cards. Many different companies offer cash back on purchases. Some
companies also offer a higher percentage of cash back on certain types of
purchases or purchases from certain retailers. The cash back cards will also
offer a type of bonus to customers for turning their cash back into a gift
card. Sometimes a customer can get a gift card that is worth more than the
money they spend on it as a perk for using their cash back dollars. These types
of cards typically will offer the zero percent on balance transfers or for an
introductory period of time. This is a great time to take advantage of the rate
and get other high interest cards paid down.
An
alternative to the cash back card is getting a card that offers reward points.
This is also one of the more versatile types of 0 APR credit cards. Many of the
rewards credit cards will give 1 point for every dollar that is charged.
Similar to the cash back cards, many of the rewards increase if money is spent
on certain types of products or at certain retailers. Another similar feature
is that many of the rewards credit cards will make the reward points worth more
if they are cashed in for gift cards to certain stores. These reward points can
serve as a nice bonus to people that use their credit cards often.
To find
many of these types of 0 APR credit cards, visit the website
credit-card-transfers.com. They provide many options for applying for cash back
and reward credit cards. They also have a nice feature that will automatically
remind you when your introductory zero percent period is going to end allowing
you to transfer balances to another card or simply pay it off before the
interest kicks in.
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