If you’ve waited until the last minute to apply for a credit card to use for holiday purchases, applying sooner rather than later is key.  Most credit card companies are taking longer to review and approve credit card applications than they were in the past and the days of instant credit card approval are gone.  However, if you’re looking for a new credit card, here are some features of the best credit card offers of 2009.

1.)  0% APR for 1 Year:  Last year, 0% rates lasting for 1 year were commonplace.  Today, most credit cards are only offering 0% rates that last for 6 months.  To get the best deal, be sure to seek out one of the few remaining 0% APR credit cards that continues to offer a 0% rate for a full year. (more…)