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Credit Cards: Non reward Type vs Reward Type
You've finally come to that stage in life when you can afford to
own a credit card, not as a supplementary cardholder but as the
principal cardholder.
Finally, you've earned the right to have a
credit card in your own name and to be able to purchase whatever
you want without having to ask anybody else's permission. But now
that that time has come, you find yourself in a quandary - what
type of credit card should you apply for?
There are just two basic choices for you - do you want a credit
card that offers rewards and one that doesn't?
The Non Reward Type of Credit Card
These credit cards do not offer you any reward points or bonuses
no matter how many times you use their credit cards or how prompt
you are when it comes to credit card payments. Instead, this type
of credit cards allow you to waive interest charges for a certain
period of time or avail of lower interest rates than those offered
by reward types of credit cards.
Basically, there are two choices that you're given when it comes
to the non reward type of credit card.
The first one would be a
credit card that offers 0% APR intro rates. When you get yourself
this kind of credit card, you'll be able to purchase anything
without having to worry about contending with high interest rates.
But the 0% APR is only applicable for a certain period of time
because it's an introductory offer. Once it's over, the APR will
revert to normal.
The second type of non reward credit card is the low interest
ongoing APR credit card. Although it's not 0%, the interest rate
may be lower than what the new APR would be for a credit card with
0% APR intro rates.
The Reward Type of Credit Card
If you don't find yourself excited with all those low interest
rates being offered by non-reward types of credit cards then
perhaps you'll find your heart racing with credit cards offering
rewards.
With this type of credit card, the interest charge is usually
higher but you really don't care about that, do you, if it means
being able to win a iPod Mini later on, does it? With reward types
of credit cards, frequency of use and promptness of payment matter
a great deal.
There are also a whole variety of rewards being
offered so you're surely be able to choose one that you truly
desire.
Michael Colucci is a technical writer for
Low Interest Credit Cards - A site that offers
credit cards with an intro rate of 0% for 12-15 months.
(You are granted the right to reprint this article but the title
and content must remain unchanged and the authors name and contact
information must be included.)
Michael Colucci is a writer for $2.
99 Hosting and
Low Interest Credit Cards
(You are granted the right to reprint this article but the title
and content must remain unchanged and the authors name and contact
information must be included.)
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