One of the most well-known and trusted providers of credit cards is American Express, especially in the low interest rate, high credit genre of cards. Often, their balance transfer options and up to fifteen months with no interest can't be beat. Some of their cards even offer points with redemptions towards travel, hotels, rentals, and more and often with no annual fee. Chase credit cards have 5% on purchases and an offer of 0% APR for up to a full year. Cardholders can even receive cash back on 1% of their additional purchases. Chase offers a wide variety of cards, so you'll probably find one that fits your needs. Citi has the Platinum Select card which has a 0% introductory APR on purchases and balance transfers, though it does not apply to cash advances. If you fail to make payments, go over your limit, or otherwise do not meet the terms of the contract, however, you'll likely lose these benefits. Discover Platinum Cards are also offered with 0% APR as an introductory rate for up to a year. They also offer no annual fees, 5% cash rewards, and zero fraud liability along with limitless cash rewards for 1% of additional purchases. If you purchase products from their select, name-brand companies, they offer double the rewards for doing so. Of course, since you're paying a premium for the name-brand item, this may not really be that great of a deal. Make sure to read up on the card's requirements and small print before joining, as many find themselves caught because they didn't. HSBC Mastercard offers manufactured goods from their in-house catalog to new cardholders. Since this bank mainly deals with newly established credit or people with credit difficulties, their offer few 0% APR or other deals. Their rates go as high as 18.75% and they usually have other fees associated with their credit re-establishing offers. The AT&T Universal Platinum Cards are offered with similar deals, but also include many things the others do not. These include phone savings (through AT&T, of course) and free directory assistance credits and phone minutes monthly. This low-rate card is also a phone card, so you can use it to make long distance calls from any phone world-wide. This is in addition to their 0% APR for a year on purchases and balance transfers and their zero fraud liability guarantee. There are also options for insurance coverage on wireless phones built-in to the account. Of course, it's not all roses. There are down-sides to this card including variable rates after the year is up and very high rates on cash advances and defaults. Bottom line, there are many cards out there for you to choose from and finding the right one for you is only a matter of looking through the options. For anyone looking for a new credit card or to transfer the balance and close out an existing card, there is a lot to look at out there. Hopefully this short list has helped you in making an informed decision. Be sure to check out each individual offer and to read contracts carefully so you don't get burned.
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