The best credit card deals are those which offer benefits which match your personal financial needs the best. As with many such areas, there is a lot of advice which attempts to tell you that there is one "best" offer. Since such "advice" completely fails to take into account that different people have very different financial situations, it is misleading and should be ignored.
The best way to see which offers will be of most benefit to you personally is to start by having an honest look at your own finances. Take a good look at your spending. What categories do you spend most money on? Also look at your existing debts and how they are progressing.
There are a wide variety of different benefits offered by credit cards. These might include 0% interest rates for an initial period as well as various rewards. Rewards can include a wide range of different things such as air miles, discounts on hotels, travel, and purchases, cash-back, special offers and free gifts and even payments towards a mortgage.
0% interest on balance transfers for an initial period can be one of the most valuable offers for some people. The two main uses of this benefit are as follows. Firstly one can transfer existing borrowing onto the new account and so save having to pay any interest on it, and thus focus on paying down the borrowing itself rather than just paying off the interest each month.
The second use of such an offer is to use the available money to make a profit by receiving interest payments. This can be done by putting the funds into a savings bank account for example.
Cash-back can be a very valuable offer for some people, particularly larger percentages on particular categories of expenditure that you use a lot, such as gas. Other types of rewards can suit different individuals better. As this article is explaining, the way to find the best credit card deals for you personally is to ignore any general advice recommending a particular offer, and start by looking your own financial situation.
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