Zero Percent Interest Credit Card Offer
No matter how enticing a credit card reward program seems, consider the following before you sign up for a new credit card. Your experience may be less than rewarding.
First, pay off your other cards and high-interest debt
Even the most generous reward credit cards are not going to shower you with free airplane tickets and wads of cash every month. It makes no sense to apply for a new card that promises, at most, a 5-percent reward for gas purchases when you are paying 18 percent interest on another credit card. Some reward credit cards, however, offer zero-percent annual percentage rate (APR) balance transfers for a limited time period. If you like to play the credit card juggling game, go ahead and transfer to the new reward card, but pay off your balance within the designated time limit. You won’t earn points or rewards on the transferred balance, but you can take advantage of the no-interest payback period and start earning rewards on your new purchases.
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