What is the best credit card with the lowest APR for a first-time card holder?
Answers:
Unfortunately, this isn't as simple as you'd like it. Because credit card companies will solicit you based on the FICO/BEACON scoring method and they will offer you an introductory APR. You want to go with something like 0% for a year, then a FIXED APR after that, and preferrably a card with a good rewards program. Because they use your scoring to determine offers that they'll send you, I can't say which card is best, because that's going to depend on your credit. Beware: even if credit card companies offer you what seems like an amazing APR, read the fine print--it'll state that if after the credit check they don't feel they can offer you that, you'll get a different offer. If that's the case, either don't apply for it or don't do anything until you find out what the true offer is. Always go for a card that has no annual fee.
PS: Please don't use the other guy's advice and try HSBC. They have the worst customer service EVER. Citi, Chase, Discover, and Providian have been the best I've ever had.
the don't get credit and save your money in a bank account until you can afford to purchase card.
Get one with no fee if paid in full. Read the DETAILS very carefully.
Discover? it pays you to use it.
If you've never had a card before, you might want to go to HSBC's website and try the card selector to see what you would qualify for. Also, do you have a local credit union that you could join and try for a credit card through? I have numerous cards, and my CU cards always have the best rates.
you might want to go here to compare them . http://www.bestcreditrates.net
Credit cards with 0% Intro APR from American Express
Blue Cash from American Express® has 0% Intro APR for 6 months,
the Amex Blue Cash for Business has 0% APR during your first 6 months,
Blue from American Express® has 0% APR for up to 15 months,
Platinum Business Credit Card from OPENSM The Small Business Team offers 0% Intro APR for Purchases along with the option to Pay Over Time or In Full,
Blue Sky® Credit Card has No annual fee and a 0.00% intro APR,
The IN:NYC® Card from American Express has 0% Introductory APR for 6 months on purchases and balance transfers. Apply online for a best lowest apr credit card at: http://www.credit-card-gallery.com/ameri...
Apart from no annual fee feature of the American Blue Express it also gives cash returns on specific purchases. Users of the American Blue Express also enjoy protection against fraud for online credit card transactions. This card tries to right the various wrong notions about the American Express credit cards, one of which is that it is a credit card only for rich or those who have money to keep a credit card.
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