Credit Cards

Each and every credit card differs in the features and benefits they offer. Nobody but you can compare credit cards and choose the one most suited to you and your circumstances. Websites that compare credit cards will give you invaluable advice and guidance but the choice of which credit card best meets your needs at this time is completely up to you. When you compare credit cards you will soon realize that there isn’t a single perfect one and they will all need careful management to avoid the pitfall of debt. With more and more lenders providing credit cards it can sometimes be difficult to decipher which is the best card on the market. Credit cards can be a really good way to purchase items and pay for them over a period of time. However they are only a good option if you have chosen a credit card that works out to be a really good deal for you and your circumstances. You'll want to find out about the Interest Rate, annual fee, grace period, and more.

Step 1

Select Card Type
	Standard
	Gold/Platinum/Silver

These cards offer a low ongoing rate. Using this type of card can offer significant savings on interest, especially when you do not pay your full balance each month. To see if a low interest rate credit card is right for you, you first need to work out whether you are an "interest payer" or a "transactor". Interest payers don't clean their balance each month and as a result will get more value out of a low interest rate credit card. Switching to a low rate card will save "interest payers" thousands in the long run. Transactors clear their balance in full each month without paying interest, so higher interest rates aren't such an issue.

These cards allow you to transfer higher-interest credit card balances onto a credit card with a lower interest rate. For instance, if you transfer a balance to a credit card with a low introductory annual percentage rate of zero percent, the balance will typically stay at the lower interest level for a specified period of time, potentially saving you hundreds of dollars in interest charges. When making payments, it's important to understand that the payments you make will first be applied to balances transfers and then allocated toward Purchases. That means you'll be paying down 0 percent balance transfers before you even touch the balance on regular purchases which can be charged at the higher rate

Most issuers charge annual membership or participation fees. They often range from $0to $50, sometimes up to $100; "gold" or "platinum" cards often charge up to $75 and sometimes up to several hundred dollars

Earn free airline miles every time you make a purchase with any of the credit cards listed below. Airline miles cards allow you to earn free travel with every dollar you spend. We have a wide selection to choose from below, from a number of different airlines and banks. Click on each card to get the full details of how many miles you earn, bonus miles and other useful information. Compare credit card offers and features in order to find the best credit card for you.

If you only spend a couple of hundred of dollars a month on a credit card, it�s going to take you a long, long time to be rewarded much of anything. On the other hand, big spenders, people who routinely spend a couple of thousand dollars per month on credit cards, could benefit from a reward card program.

The credit cards below are available to businesses regardless of size. Compare the features and apply for the business credit card that best suits your company's needs

In today's credit-based society, it's hard to get by without a major card. The concept of prepaid debit cards is really very simple. You open an account and "pre-load" the card with cash up-front, similar to a pre-paid telephone card. Then you use your prepaid card where most credit cards are accepted. Some Debit Cards attract interest by linking to a online savings account. So, if there's no credit, what's the point? You can enjoy the benefits of card ownership, such as world-wide acceptance, access to ATMs worldwide, online purchasing power, and online account management, without interest charges, security deposits, or credit checks

Step 2

Select Card Features
	Lowest Interest Rate
	Balance Transfer
	No Annual Fee
	Airline Rewards
	Rewards
	Business
	Debit Cards

Step 3

Creditcard Articles

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30th June 2010

Retailers fighting for market share with credit cards
Retailer-branded cards are fighting for market share from other credit cards, but are they worth comparing? Both types of cards offe ... Read More

1st July 2010

You’ve had the gain and when you look at your credit card balance you feel the pain. OK you have to repay your debts but a balance transfer can make big inroa ... Read More

Editor's Choice Credit Cards

St.George Vertigo Credit Card


	Low ongoing interest rate of 12.74% p.a. on purchases. Cash advance rate of 21.49% p.a.
	2.99% p.a. balance transfer rate for up to six months.
	Up to 55 interest free days credit on purchases*
	Awarded Australia�s Cheapest Balance Transfer Credit Card by Money Magazine 2009.
	Annual fee of $55

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