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Chase Freedom Visa - 0% APR on balance transfers & purchases*

Friday, July 27, 2012 at 12:29:59 AM

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When you have a long history of healthy borrowing habits, you probably have more than a few different kinds of credit card offers available to you, and that can make them hard to sift through. Here in a Chase credit card offer that can be a good place to start.

If you have an excellent borrowing history and are looking for a great credit card that will both help you reduce any outstanding balances you may have and also earn cash back rewards, then the Chase Freedom Visa account might be the best credit card for you.

Great introductory rate - longer term

The Chase Freedom Visa first acts as a balance transfer credit card* because it comes with no interest on any amount moved to the card from an existing account for the first 15 months, and the same rate applies to all purchases within this period.

No annual fee, plus rewards

Further, the card carries no annual fee, and, depending on your credit standing, can have an ongoing interest rate as low as 12.99 percent. All this will be extremely helpful in allowing you to keep the costs associated with maintaining this card to a minimum.

In addition, the card also comes with a beneficial rewards program that grants 1 percent cash back on all purchases, as well as rotating categories in which you can earn 5 percent cash back. This includes purchases made for necessities like gas and groceries, but the category changes every three months.

Do you qualify?

Because this account is only available to those with excellent credit, you shouldn't fill the credit card application for it unless you have a spotless borrowing history. If you've missed a payment in the last year or have sizable outstanding balances, you might not be able to qualify.

What is my credit is only fair?

If your credit is only fair, don't despair. Capital One has credit card for fair credit which could be your best credit card deal. The Capital One Platinum Prestige credit card features no annual fees, 0 percent APR on balance transfer and on purchases during the introductory period. In fact, Capital One specializes in crafting credit cards for fair credit consumers.

How to choose

Taking a look at how an account will affect all areas of your personal finances is a good idea regardless of which credit card offer you are considering. There are four steps to the process:

• Identify your needs
• Find relevant credit card offers which you qualify for
• Choose the best based on the features you will use most
• Apply

Before you apply

Each application you submit posts an inquiry on your credit file and too many of those is not a good thing. Spend the time upfront choosing the best credit card deal for you and less time on applications. Carefully apply for a credit card you really want and wait for an answer. An online credit card application is turned around relatively quickly and you can always try for a different card later if your first choice is not approved.

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