Find An Offer With Perks That You Can Use

Category: Finance, Credit.

Finding the best credit card is not always as straightforward as you may think. Find an offer with perks that you can use.

Choose your new card to match your lifestyle. Signing up for the wrong card can end up costing you money- one size does not fit all! Look for miles, and car rental, hotel rentals perks. Here are a few tips to help you pick the best plan: Identify your needs: Are you a frequent traveller? Buy a lot of office supplies? Perhaps you are in the middle of some major home improvements, a Home Depot card might be just what you need. Go for a card with double points at a stationary store like Office Depot.

Don' t forget the interest rate! Remember to read the fine print, as low introductory rates usually last for a limited time. Your interest rate is important too, obviously you should be looking for the best deals. Make sure your standard rate is acceptable to you. Some credit cards offer double points( or more) . Save at least 1% on all your purchases: At the very minimum, you should be able to save 1% on all your purchases in miles, cash, points- back, or other perks.

If you' re not getting at least 1% back, keep looking for better offers! Some credit cards offer perks that never expire, but most have set expiration dates. Make sure your points don' t expire: It can be frustrating to learn your points have expired because you didn' t use them within the specified time. Know the facts before you apply. That is a great deal, but if you don' t shop at that particular retailer those perks will likely be wasted- perhaps consider a blanket cash- back offer instead. Double points or cashback at selected stores: Did you get an offer with 2% cash- back at selected stores? With so many offers to choose from, it is worth investing a little bit of time to find the credit card that will work for your needs.

Remember that by choosing the right perks you can save anywhere from 1% to 3% of all your purchases, so don' t settle for less!