Consider a Credit Card with Low APR

When looking for a credit card, you need to look for the one with a low APR or annual percentage rate. This is the interest rate you pay for what you owe on your credit card. Best credit card offers have a zero interest rate on balance transfers from a current card and a low APR for purchases, less than zero percent. The best deals also have no annual, monthly, or activation fees.

Even if with good credit might forget to make a payment now and then, so make sure to check out the terms and conditions and find out what their later payment policy is. Top credit card offers will forgive one late payment a year and reward on-time payments with incentives or cash back.

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