Welcome our our selection of student credit cards. There are so many other things to ‘worry’ about when you are studying in further education. The last thing should be about your finances. With many of these student credit card offers there is the opportunity for you to take advantage of the great introductory offers of 0% on purchases or even if you have a balance on another credit card, a 0% balance transfer offer.

If you are a student, you might want to consider starting to build your credit record as soon as possible, as this can take a few years. If you have a good credit record when you graduate, you will find it easier to get approved for a car loan or a mortgage later on. You might also desire the convenience, flexibility and bonus rewards that many credit card companies offer to students while they are still in school.

If you run your own small business, or even if you have a business out of your home, you have the opportunity to get a credit card just for purchases you make for your business. Have you ever tried to analyze your credit card statement at the end of the month to figure out your personal spending and your business spending? Apply for a business credit card and keep all you business expenses in one statement.

If you would like more recognition and respect when paying for goods, then the business credit card is for you. Hand over your card with your business name embossed on the front and earn extra status that you would not have gained by paying with your personal card!

Not only do these business credit cards offer give you an easier option when composing your accounts you can still benefit from some fantastic introductory offers and reward points. Maybe you would like to earn air miles or cash back..then you still can!!

Welcome to our selection of gas credit cards. Many of you will know what a gasoline card is, but for those of you who do not it is simply a specialist reward credit card setup to offer discounts at the gas station.

pay down debt

There are various other points that benefit users with a gas credit card such as introductory 0% apr balance transfers and some offer 0% introductory purchases, effectively giving you ‘free’ credit on your gasoline purchases and also discounts on your gasoline bills. However, keep in mind that you should at least pay the minimum amount each month(and we would recommend more).

Some of the credit cards listed below also carry an annual fee charge which should be taken into consideration when working out potential savings. Some even waiver this with a certain amount of purchases at designated stores, you should check the web sites for up to date information.

If you need a decision in a hurry these credit cards may be the best options for you. They are classed as ‘instant approval credit cards‘ which means that you should know if you are approved or not for the card within minutes.

However certain circumstances do occasionally arise and more time will be needed to decide if you are approved or not.

Please, do not continue to apply for credit cards if you continue to be rejected. There may be personal credit issues that you need to address first. If you continue to apply for cards and are refused then this may have a further negative affect on your credit report.

You should try and repair your credit history, bookmark us and come back at a letter date for more chance of acceptance with better credit card offers available to you.

Welcome to our 0% balance transfer credit card offers section. The main purpose of this section of the site is to list the main benefits and the length of the introductory 0% balance transfer credit cards that are on offer here at Credit Cards Info.

Not only do all of these credit card offers have a 0% balance transfer rate they also offer some other valuable rewards or incentives. These may include an introductory 0% purchase rate offer, reward points or even the chance to earn cash back with every transaction that you make with the card.

There are other factors that you should consider when applying for a balance transfer credit card. The main consideration, from a cash saving point of view, would be the annual fee involved with the credit card. This fee should be factored into your overall ‘costing’ of the borrowing, which will in fact make the balance transfer card more expensive than first implied. Read more information in our article to balance transfer or not balance transfer.

Balance Transfer Credit Cards

Bank of America Cash Rewards Platinum Plus® MasterCard® Credit Card Introductory 0% Annual Percentage Rate (APR) for Cash Advance Checks and Balance Transfers through your first twelve billing cycles.(subject to a 3% transaction fee, no less than $10) For every $2,500 you spend in net retail purchases, you’ll earn $25! That’s a full 1% cash back — with no limit to how much cash back you can earn. No Annual Fee Absolute fraud protection against unauthorized use, online and offline Intro APR Intro Period Regular APR Annual Fee Credit Limit Grace Period 0% on Balance Transf 12 months See website None N/A 20 days (min)

Discover® MoreSM Card 0% Intro APR No Annual Fee 5% to 20% Cashback Bonus at top retailers through our exclusive online shopping site Up to 1% Cashback Bonus on all other purchases automatically Unlimited cash rewards Increase, even double, your rewards when you redeem for gift cards from our 80 Cashback Bonus Partners $0 fraud liability guarantee Fraud specialists dedicated to helping you 24/7 Timely e-mail reminders to help you avoid fees Intro APR Intro Period Regular APR Annual Fee Credit Limit Grace Period 0% 6 Months As low as 10.99% None $50,000 25 days

Blue from American ExpressSM 0% introductory rate for 6-15 months Then a fixed APR as low as 10.74% Earn points redeemable for travel, merchandise, and more. No annual fee Built-in Smart Chip for Internet security. Online Fraud Protection Guarantee Intro APR Intro Period Regular APR Annual Fee Credit Limit Grace Period 0% 6-15 months 10.74% None $100,000 20 days

Bank of America® Platinum Plus® Visa® Card 0% Introductory APR on balance transfers, check cash advances, and direct deposits for your first 12 billing cycles No Annual Fee Credit lines as high as $25,000 Online Banking Service Total Security Protection® Intro APR Intro Period Regular APR Annual Fee Credit Limit Grace Period 0% 12 months See website None N/A 20 days (min)

Bank of America® Accelerated RewardsTM American Express® Card Earn rewards faster with 1.25 points for every net retail purchase dollar 0% Intro APR on balance transfers and cash advance checks for your first 12 billing cycles No Annual Fee and the flexibility to pay over time Redeem your points for travel with no blackout dates, discounts at hotels, cash, brand-name merchandise, or gift certificates Access to special Cardmember offers from participating American Express merchants to save on shopping, dining, travel, hotels, and much more. Free 24/7 Concierge Service Access to more than 2,200 American Express Travel Services locations worldwide to help you Intro APR Intro Period Regular APR Annual Fee Credit Limit Grace Period 0% 12 months See website None N/A 20 days (min)

The Discover® Open RoadSM Card 0% Intro APR Discover Open Road Card is the only gas card that gives you 5% Cashback Bonus for your gas and auto maintenance purchases. Earn up to 1% Cashback Bonus on all other purchases automatically Unlimited cash rewards Timely e-mail reminders to help you avoid fees 0$ fraud liability guarantee Fraud specialists dedicated to helping you 24/7 Intro APR Intro Period Regular APR Annual Fee Credit Limit Grace Period 0% 6 Months As low as 10.99% None $50,000 25 days

Virgin Atlantic American Express® Card from Bank of America 20,000 Flying Club bonus miles after your first retail purchase Earn 3 miles per $1 spent on Virgin Atlantic purchases Earn 1.5 miles per $1 spent in retail purchases Earn up to 2 tier points per month for accelerated Flying Club status Earn up to 15,000 additional bonus miles upon anniversary Earn 2,500 bonus miles for each additional Cardmember added (max 2) Redeem miles for travel on Virgin Atlantic, or with other Flying Club partners Get 10% off published Virgin Atlantic Premium Economy fares until December 31, 2008 Intro APR Intro Period Regular APR Annual Fee Credit Limit Grace Period 0% 6 Months See website $90 N/A 20 days (min)

Miles by Discover® 0% Intro APR Double Miles on travel and restaurant purchases-up to $3,000 each year 1 Mile for every $1 you spend on all your other purchases-personal and business Unlimited Miles that never expire as long as you use your card Travel without restrictions Good Choose any travel-any airline, cruise, vacation package, hotel or car rental Book it through any airline, travel agent or online travel site Fraud specialists dedicated to helping you 24/7 Double Miles on travel and restaurant purchases-up to $3,000 each year Intro APR Intro Period Regular APR Annual Fee Credit Limit Grace Period 0% 6 months As low as 10.99% $0 $50,000 25 days

PetRewardsTM Platinum Plus® Visa® Credit Card 1 point for every dollar you spend on everyday purchases Rewards begin at just 750 points Earn points toward veterinary services, pet food discount certificates, and shelter donations Earn points toward veterinary services, pet food discount certificates, and shelter donations Intro APR Intro Period Regular APR Annual Fee Credit Limit Grace Period 0% 6 Months See website None N/A 20 days (min)

NASCAR RacePointsSM Platinum Plus® Visa® Card Earn RacePointsSM every time you make a purchase. 0% Intro Annual Percentage Rate (APR)† on purchases and balance transfers for the first 12 billing cycles. No annual fee Online Banking Service Total Security Protection® Card issued by FIA Card Services, N.A. Intro APR Intro Period Regular APR Annual Fee Credit Limit Grace Period 0% 12 months See website None N/A 20 days (min)

Blue Sky from American Express No annual fee and 0% intro APR for 12 months Earn 1 point for every dollar you spend Points good on any airline, hotel, car rental and more. No blackout dates or travel restrictions Express Approval. Get a decision in less than 60 seconds. Intro APR Intro Period Regular APR Annual Fee Credit Limit Grace Period 0% 12 months as low as 8.99%* None N/A 20 days

Discover® MoreSM Card – Clear 0% Intro APR No annual fee Up to 1% Cashback Bonus® on all your other purchases 5% Cashback Bonus® in categories that change four times year Online Account Access and Bill Payment Intro APR Intro Period Regular APR Annual Fee Credit Limit Grace Period 0% 6 Months 9.99% None N/A 25 days

The Chase PerfectCard™ 6% rebates on ALL gas purchases at ANY gas station for the first 90 days 3% rebates on ALL gas purchases at ANY gas station after the first 90 days 1% rebates on ALL other purchases made anywhere 0% Intro APR for up to 6 months The time period for the introductory APR and the balance transfers to which it will apply will be based on our review of your application and credit history No annual fee Intro APR Intro Period Regular APR Annual Fee Credit Limit Grace Period 0% Up to 6 months 11.99% None N/A 20 days

Chase Platinum Card 0% Interest for up to 12 months on balance transfers. The time period for the introductory APR will be based on our review of your application and credit history No Annual Fee Free Online Account Access Intro APR Intro Period Regular APR Annual Fee Credit Limit Grace Period 0% Up to 12 months 11.99% None N/A N/A

Free Cash Rewards® Platinum Visa® Card Earn 1 point for every $1 in card purchases 1,000 Bonus Points* with your first purchase Intro 0% Fixed APR for up to 12 months* The time period for the introductory APR and the balance transfers to which it will apply will be based on our review of our application and credit history No Annual Fee Get your rewards with as few as 2500 points Choose from either a $25 check or a $25 gift card/certificate from leading national merchants for every 2,500 points earned Intro APR Intro Period Regular APR Annual Fee Credit Limit Grace Period 0% Up to 12 months as low as 11.99% None N/A N/A

Chase Travel Plus Platinum Visa® Earn 2 miles per $1 on travel purchases Earn 1 mile per $1 on all other purchases Annual rewards fee of $29 Redeem for airline tickets, cash, gift cards and more! Intro 0% Fixed APR for up to 12 months Intro APR Intro Period Regular APR Annual Fee Credit Limit Grace Period 0% Up to 12 months 15.99% None N/A N/A

Bank of America Secured Visa Platinum 0% Introductory APR on balance transfers, check cash advances, and direct deposits for your first 12 billing cycles Credit lines available from $300 to $10,000 0% Introductory APR Set your own credit limit Build or reestablish your credit Bad Credit OK Intro APR Intro Period Regular APR Annual Fee Credit Limit Grace Period 0% 12 months See website $29 N/A N/A

Pulaski Bank MasterCard® or Visa® 6.50% APR 0.0% Introductory APR on all balance transfers Fixed low rate. Best Credit Card Rate in the Country No Fee balance transfers Only available to applicants with excellent credit and you must also verify your income with either pay stub or tax return Intro APR Intro Period Regular APR Annual Fee Credit Limit Grace Period 0% on Balance Transf 6 Months 6.5% $35 N/A 25 day

If you’ve been thinking of applying for a low interest credit card, you have to realize that not everyone is easily approved. These offers are best for individuals with good to excellent credit. These credit cards do have introductory offers such as 0% balance transfer rates and also 0% purchase rates, however all have a long term low interest rate.

There are other factors that are important when considering this type of credit card, most notably being if there is an annual fee applicable. The annual fee will increase your cost of borrowing, the rate with which this increases will depend on your actual credit card balance. This should be taken into account before applying for this type of credit card.

However, other factors, including 0% balance transfers and 0% purchases, have a positive effect on your credit card APR and if used properly can help cut your borrowing rate, but only for the introductory period!

Low Interest Credit Cards

Bank of America® Platinum Plus® Visa® Card 0% Introductory APR on balance transfers, check cash advances, and direct deposits for your first 12 billing cycles No Annual Fee Credit lines as high as $25,000 Online Banking Service Total Security Protection® Intro APR Intro Period Regular APR Annual Fee Credit Limit Grace Period 0% 12 months See website None N/A 20 days (min)

Discover® MoreSM Card 0% Intro APR No Annual Fee 5% to 20% Cashback Bonus at top retailers through our exclusive online shopping site Up to 1% Cashback Bonus on all other purchases automatically Unlimited cash rewards Increase, even double, your rewards when you redeem for gift cards from our 80 Cashback Bonus Partners $0 fraud liability guarantee Fraud specialists dedicated to helping you 24/7 Timely e-mail reminders to help you avoid fees Intro APR Intro Period Regular APR Annual Fee Credit Limit Grace Period 0% 6 Months As low as 10.99% None $50,000 25 days

Blue from American ExpressSM 0% introductory rate for 6-15 months Then a fixed APR as low as 10.74% Earn points redeemable for travel, merchandise, and more. No annual fee Built-in Smart Chip for Internet security. Online Fraud Protection Guarantee Intro APR Intro Period Regular APR Annual Fee Credit Limit Grace Period 0% 6-15 months 10.74% None $100,000 20 days

Bank of America Cash Rewards Platinum Plus® MasterCard® Credit Card Introductory 0% Annual Percentage Rate (APR) for Cash Advance Checks and Balance Transfers through your first twelve billing cycles.(subject to a 3% transaction fee, no less than $10) For every $2,500 you spend in net retail purchases, you’ll earn $25! That’s a full 1% cash back — with no limit to how much cash back you can earn. No Annual Fee Absolute fraud protection against unauthorized use, online and offline See Intro APR Intro Period Regular APR Annual Fee Credit Limit Grace Period 0% on Balance Transf 12 months See website None N/A 20 days (min)

Clear from American Express® No fees of any kind. No annual fee, no late fees, no over-limit fees, no balance transfer fees, no cash advance fees. 0% intro APR for up to 12 months. Automatic Rewards. You’ll get an American Express branded shopping card worth $25 delivered straight to your door every time you spend $2,500. Pay in full, or carry a balance. Express Approval. Get a decision in less than 60 seconds. Intro APR Intro Period Regular APR Annual Fee Credit Limit Grace Period 0% up to 12 months as low as 9.99%* None N/A 20 days

Blue CashSM from American Express® No annual fee Up to 5% cash back 0% Introductory APR Up to $100,000 line of credit Built-in Smart Chip for Internet security. Intro APR Intro Period Regular APR Annual Fee Credit Limit Grace Period 0% 6 months 11.74% None $100,000 20 days

Pulaski Bank MasterCard® or Visa® 6.50% APR 0.0% Introductory APR on all balance transfers Fixed low rate. Best Credit Card Rate in the Country No Fee balance transfers Only available to applicants with excellent credit and you must also verify your income with either pay stub or tax return Intro APR Intro Period Regular APR Annual Fee Credit Limit Grace Period 0% on Balance Transf 6 Months 6.5% $35 N/A 25 day

PetRewardsTM Platinum Plus® Visa® Credit Card 1 point for every dollar you spend on everyday purchases Rewards begin at just 750 points Earn points toward veterinary services, pet food discount certificates, and shelter donations Earn points toward veterinary services, pet food discount certificates, and shelter donations Intro APR Intro Period Regular APR Annual Fee Credit Limit Grace Period 0% 6 Months See website None N/A 20 days (min)

Blue Sky from American Express No annual fee and 0% intro APR for 12 months Earn 1 point for every dollar you spend Points good on any airline, hotel, car rental and more. No blackout dates or travel restrictions Express Approval. Get a decision in less than 60 seconds. Intro APR Intro Period Regular APR Annual Fee Credit Limit Grace Period 0% 12 months as low as 8.99%* None N/A 20 days

Discover® MoreSM Card – Clear 0% Intro APR No annual fee Up to 1% Cashback Bonus® on all your other purchases 5% Cashback Bonus® in categories that change four times year Online Account Access and Bill Payment Intro APR Intro Period Regular APR Annual Fee Credit Limit Grace Period 0% 6 Months 9.99% None N/A 25 days

True Earnings® Card from Costco and American Express Earn Cash Back – 3% for gasoline, 3% for restaurants, 2% for travel, 1% everywhere else, including Costco No Annual Fee with your paid Costco Membership The TrueEarnings Card serves as both your American Express Credit Card and your Costco Membership Card No Limit on the Cash Back earned Intro APR Intro Period Regular APR Annual Fee Credit Limit Grace Period 0% 3 months See website None N/A 20 days

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Best Secured credit cards are designed to assist people who have never had credit or those who have bad credit, in order to enable them to establish a good credit rating. Secured credit cards are special type of credit cards in which you must first put down a deposit between 100% and 150% of the total amount of credit you desire. Secured Credit Cards are generally used to help people raise their FICO scores, or the line of credit that companies are typically offering them. Secured credit cards are secure for both the lender and the borrower.

Some people are hesitant to apply for a Secured business credit card, thinking that in doing so, they are posing themselves as high risk borrowers. Secured credit cards can be used as a stepping stone to a regular, unsecured credit card. Secured business credit card cards are not just limited for those who have bad credit history. secured credit cards are good for those who are discharged bankrupts or for those who want to control their spending a little more carefully. With a secured credit card, your credit limit matches the security deposit you provide. With good payments you can be considered for unsecured credit card offers.