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Looking for tons of bonus points? Long 0% APR periods to help you pay off a balance? What about great travel offers and reward programs? Find the best credit card deals on the market right here.
The information related to Discover it® Cash Back has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
The information related to Discover it® Secured has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
The information related to Hilton Honors Aspire Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
As we’ve said before, credit cards come in many shapes and sizes. And that means credit card deals come in many shapes and sizes, too.
The most rewarding credit card offers are usually focused on:
You’ll often get one (or both) of these offers when you get a new card. We’ll go over each of them here.
The intro bonus offer (aka signup bonus or welcome bonus offer) is probably the most lucrative credit card feature.
For a certain amount of spending in the first few months you can earn a ton of card rewards, or gain access to valuable benefits. Or, depending on the terms, earning your bonus may be as easy as making a single purchase with the card.
Signup bonuses are pretty simple, and usually look something like this:
In some cases you may find a certain perk being offered, instead of or along with card rewards. You might see something like this on airline cards, for example:
Discover credit cards are different, coming with a unique first-year bonus offer: the Cashback Match. Discover will match all the cash back you earn in your first year, and that could end up being quite a lot. With the Discover it® Cash Back, for example, you can earn a 10% cash back equivalent on certain purchases in that first year — an exceptional offer.
There are public signup offers, which anyone can see, and there are also private signup offers, which are usually bigger and only available for some applicants. If you go to apply and see a signup bonus that’s a bit bigger than you saw advertised somewhere else, you’re probably seeing a private offer. Nice!
Best Credit Card Signup Bonus Offers
A balance transfer is when you move a balance from one account to another — usually from one credit card to another.
The best balance transfers offers give you 0% APR for a certain number of months. The longer, the better. These usually look something like:
If you transfer a balance away from a high-interest card to a low-interest card (preferably 0%) and continue paying it off, you’ll pay less in interest charges overall. Just be sure to make your transfers within the time frame given in the terms.
And take note of the fee — you’ll have to figure that into your calculations to make sure you’re actually saving money. Luckily, there are a handful of balance transfer credit cards with no balance transfer fees, and their intro periods are definitely long enough to put a big dent in your debt.
Balance transfers are an easy way to save some cash. You can consolidate several balances onto a single 0% card, and you’ll have fewer payments to deal with along with a lower rate. You may even get additional promotional balance transfer offers later on, for 0% or other low rates.
Best Balance Transfer Credit Cards
For rates and fees of the Hilton Honors American Express Surpass® Card, please click here.
For rates and fees of the Delta SkyMiles® Platinum American Express Card, please click here.
For rates and fees of The Platinum Card® from American Express, please click here.
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The information related to Discover it® Cash Back, Discover it® Secured, Hilton Honors Aspire Card, Capital One® Venture® Rewards Credit Card, Citi Prestige® Card, Citi Simplicity® Card - No Late Fees Ever, Amex EveryDay® Credit Card, Capital One® VentureOne® Rewards Credit Card, Discover it® Miles, Capital One® Secured Mastercard®, Marriott Bonvoy Brilliant™ American Express® Card, Capital One® Spark® Miles for Business, and Capital One® Spark® Cash for Business have been collected by Credit Card Insider and have not been reviewed or provided by the issuer or provider of these products.