by Jonathan Wolkers
If you are looking for some of the most popular credit cards with really good offers, one of the best ones is the American Express Platinum card. This actually gives you up to 5% cashback for the very first three months that you are using it. While there is a limit for maximum spending of a few thousand dollars, this is enough to earn you over $100 in cashback for the first months. Afterwards the cashback goes down to 1.25%, however this is also a good rate to have, because you are in effect earning $1.25 for each $100 you spend (which you spend anyway).
When you want to apply for a time sensitive credit card, what you need to do is get it just before one of the major holidays when you will be doing lots of spending. So this will ensure that you will be able to really use the 5% rate. This is why people find this card one of the best ones in the market today.
There was a time when CC companies could bully you (simply because you had very little choice) into getting a card that had a high interest rate. Credit cards are no-longer for the elite (known as the 'Platinum people' because they all carry Platinum cards), and almost anyone can now take out an interest free one, making it safer than ever to own it (because you don't have to worry about being charged high interest rates).
Another thing that you need to watch out for is the dreaded 'annual fee', which lots of companies used to charge in the past (but is less common now). That being said, when taking out a credit card always ask if there's an annual fee (just in case you missed it in the small print). If you find that your card has annual fees, you can be sure that you will be able to find better cards with better rates someplace else.
When you're sure that you can pay off your credit card each month, you can use a card with some great rewards, such as the Airmiles card. For example the Airmiles by American Express actually earns you one Airmile point for every $20 that you spend. If you fly multiple times a year, this should be a good alternative to consider in the long run. - 41115
By having a (http://www.lowinterestratecreditcard.org/) low interest rate credit card you will save lots of money in the long run. Visit (http://www.lowinterestratecreditcard.org/interest-free-credit-cards.html) interest free credit cards for more information.
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New Unique Article!
Title: Tips On Most Commonly Used Credit Cards Today
Author: Jonathan Wolkers
Email: zongorazik@gmail.com
Keywords: finance,credit card,low interest rate,credit card rewards,economy and finance,business,debt relief,credit,debt consolidation,personal finance
Word Count: 386
Category: Finance:Credit
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