U R @: Education Center : Understanding the Fine Print : Find a Good Credit Card Application

FIND A GOOD CREDIT CARD APPLICATION

Although many credit card companies advertise a 0% APR for a full year, most credit card companies offer tiered rates, with 0% rates that can only last as little as 3 months, if at all.  When you are completing a credit card application, the key thing to look at is the disclaimer/terms and conditions.  Discover, for example, discloses these terms on the application page.  Most other credit card companies provide a link that is often difficult to find. The reason for this is simple:  they don't want you to see them. 

Here is an example of the terms and conditions of a credit card that offers tiered rates.  Click here to view in another window.  As you can see, this offer provides different rates, based on a review of your credit.  Some applicants will get a 0% APR for a full year.  Others will get no introductory rate at all.  This practice, called tiered pricing, can lead to a lot of confusion, not to mention disappointment.  Thus, if you apply for a credit card with tiered pricing, particularly for the purpose of a balance transfer, be sure to wait until your credit card arrives in the mail before using it.  You may find that the rate you recieved is much different than the one boldly advertised on the credit card application.

Below, you can compare credit card applications.  Before applying, be sure to analyze the terms and conditions to insure you get the best deal.  Because Discover offers straightforward pricing with no tiered rates, we listed their offers first.

Credit Card Applications with Straightforward Pricing

DISCOVER® MORE (SM) CARD

0% Intro APR for 6 months on Purchases, and up to 6 months on Balance Transfers* No annual fee Customer Service in less than a minute, anytime you want 5% Cashback Bonus® in categories like travel, home, gas, restaurants, movies and more Up to 1% Cashback Bonus on all other purchases automatically Unlimited cash rewards Editor's Pick for best overall offer. Click more details below the card to find out why.

Intro on Purchases Intro APR Period Regular APR Annual Fee Transfers Credit Needed 0% * 6 Months * As Low As 11.99% * None * Yes Good

MILES BY DISCOVER® CARD

12,000 Bonus Miles – 1,000 Miles each month you make a purchase for the first 12 months Double Miles on up to $3,000 in travel and restaurant purchases each year Book any travel, anytime with no blackout dates or restrictions 1 Mile for every $1 on all your other purchases Unlimited Miles that never expire No Annual Fee Redeem for travel credits to your account, gift cards from any of our 90 brand-name Partners or cash starting at just 1,000 Miles

Intro on Purchases Intro APR Period Regular APR Annual Fee Transfers Credit Needed 0%* * 6 Months* * 11.99% - 18.99%* * None * Yes Good

Credit Card Applications with Tiered Pricing 

CITI® PLATINUM SELECT® CARD

0% APR* on balance transfers and purchases for 6 months No annual fee Citi® Identity Theft Solutions $0 Liability on unauthorized purchases

Intro on Purchases Intro APR Period Regular APR Annual Fee Transfers Credit Needed 0% * 6 Months * As Low as 11.99%(V) * None * Yes Excellent

View More 0% Credit Card Applications

BEST CREDIT CARD CATEGORIES: Best Credit Cards | Best Reward Credit Cards | Visa Credit Card Offers | Instant Credit Card Applications | 0% APR Credit Cards | 0% Balance Transfer Credit Cards |Best Credit Card Offers | Compare Credit Cards | Small Business Credit Cards | Bad Credit OK! Credit Cards | Credit Card Applications | Free Online Credit Reports | Free Credit Scores |Site Map | Credit Cards Blog | About Us | Privacy Policy | Contact Us | Terms and Conditions | Best Credit Card Applications