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| WELCOME TO SMART CREDIT CHOICES |
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Smart Credit Choices is more than just a directory of online credit card applications. At our website, we provide editorial insight to help consumers find the best credit card deals online. Whether you're looking to take advantage of a money saving 0% balance transfer, a no fee rewards credit card or a lower interest rate, we've got the information necessary to make an informed decision. Once you’ve found the best credit card for your needs, you can apply online for fast approval via links to secure, SSL encrypted credit card applications.
At Smart Credit Choices, we believe choosing a credit card is an important financial decision. Our goal is to help you save money on interest and we encourage our visitors to take advantage of 0% APR offers to maximize savings and minimize the money you would otherwise waste on credit card interest payments.
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Best Credit Card Offer |
CAPITAL ONE® VENTUREONE(SM) REWARDS CREDIT CARD |
 
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- 1.25 miles per dollar on every purchase, every day
- Redeem miles for airline tickets, hotel rooms, car rentals and more
- No limit on the miles you can earn and miles won't expire
- Fly free on any airline, any time with no blackout dates
- Use rewards for travel, merchandise, gift cards and more
- 0% intro APR on purchases until August 2011
- No foreign transaction fees
- No annual fee
- To apply online click the Apply Now button or call 1-866-960-8708
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Intro APR on Purchases |
Intro APR on Transfers
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Regular APR
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Annual Fee
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Credit Type
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0% until August 2011*
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n/a
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13.9%(V)*
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None
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Excellent
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Best Credit Card Offers
Credit card applications listed in the best credit card offers category come from the best credit card companies, offer the best credit card rewards, long 0% APR deals and offer no annual fee rewards. |
0% APR Credit Card Applications
 Want to save money on interest? Compare the best 0% APR credit card offers and save with a 0% interest rate for up to 12 months on purchases or balance transfers.
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0% APR Balance Transfer Credit Cards
0% APR balance transfer credit cards can help you save hundreds on interest. Compare the best 0% balance transfer credit card offers and apply online to start saving.
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Rewards Credit Card Applications
Looking to maximize your credit card rewards? Compare rewards credit card applications and find a no annaul fee rewards credit card offer. |
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LEARN ABOUT
Understanding credit card offers
Choosing the best credit card
0% APR balance transfer offers
SEE HOW
0% Credit cards save you money
Cashback credit cards work
Credit card applications differ
GET INFORMED on
The latest credit card offers
Credit card application tricks
New credit card deals 
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FINDING THE
BEST CREDIT CARD APPLICATIONS |
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Best Credit Card Offers
Every month, Smart Credit Choices reviews credit card applications from major banks and creates a list of the best credit card applications on the market by category. This month we selected four credit cards that offer 0% interest rates on purchases or balance transfers and no annual fee rewards. Compare the best credit card offers of the month
Although the CARD Act has limited the ability of credit card companies to arbitrarily raise rates on consumers, it hasn't changed credit card applications very much. Many credit card companies advertise 0% rates for up to 15 months, but may only give you a 0% interest rate for as little as 6 months. Because these not so subtle differences are hidden in the fine print, you may find these tips on how to compare credit card applications useful.
The J.D. Power rankings of the best credit card companies offer some insights into the best credit card offers. But to find the best credit card, you need to closely examine 0% APR offers, rewards, fees, and your own credit card usage. If you pay your credit card bill in full every month, 0% APR offers and long term interest rates are probably not as important as the quality of a credit card rewards program. However, if you carry a credit card balance from month to month, getting a 0% APR on balance transfers and purchases and a low long term APR is extremely important. Learn more about finding the best credit cards.
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