LOW APR CREDIT CARD MAY HAVE MORE TO OFFER THAN INTRODUCTORY OFFERS

It is possible to split credit cards into two groups; those that have introductory credit card offers and those that have lifetime credit card offers. Obviously, the introductory offers will initially appear to be a much greater prospect and in many cases the promise of an interest free credit card is enough to persuade many customers to sign up without considering the alternatives. However, a low APR credit card may turn out to be a much better deal in the long run.

The question of whether you choose from the range of low APR credit cards or those that offer introductory credit card offers is a question that can only be answered having taken into account the way you use your card. If you change cards on an annual basis in a bid to find the best deals then the introductory offers will usually be the best option but if you prefer to find a good credit card and stick with it for many years then a low interest credit card will invariably be better.

Low interest cards obviously do not have the same benefits as 0% APR credit cards for the first 6 months or the first year, but once the 0% APR offer lapses you will be faced with the normal rate of that card. Often, this rate is higher than credit cards with no introductory offer because they need to recoup the money they lost during the initial offer period.

As mentioned in many articles on picking the best credit cards it is vital that you consider your own spending habits and other information before you make the ultimate decision of which is the best credit card for you. By doing this you will be able to compare all credit cards on offer to establish the
best for your needs.

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