Credit Card Rates

Choosing a credit card company would seem to be a fairly easy decision. You just pick the one with the lowest interest rate, right? But first, ask yourself whether you're certain you're actually getting the lowest rate. Are you sure you've looked at every offer available?

Next, you have to look at the terms and conditions that surround the interest rate. Let's say you've received a mailing offering you a card with zero percent interest for the first three months. Well, it doesn't get any better than that, you may think. On closer observation, you may find that this offer isn't anywhere near the bargain it appears.

There's More to Credit Costs than APRs

First of all, what start-up fees are involved? Let's say the company charges a $75 origination fee. That's followed by a $50 annual membership fee. Once the three-month introductory interest rate expires, the new APR will be 18 percent. Quick, which is the better deal, this one or one with a straight 16.5 percent rate, a $100 origination fee and a $35 annual fee?

Better yet, let CreditCard-Search.com figure it out for you. Our experts know what rates are available, what terms and regulations apply, and which offer is truly best. Just give us some basic financial information and we'll do the rest. We'll comb through all the offers out there and give you a list of the ones that best suit your situation and resources. Our service would save you time and energy even if we charged a fee--but we don't!