Canstar compares credit cards based on both price and features.
It’s also important to remember that a credit card without a sign-up bonus could still offer better value for you overall.
#UNSUBSCRIBE CREDIT CARD OFFERS FULL#
what is the revert interest rate or annual fee?)īe sure to read the full terms and conditions of each offer before you apply for a credit card. If the offer is only available for a limited time, check what applies when this ends (e.g. Be careful of overspending just to get a reward. What conditions apply? Check whether you have to spend a certain amount to get the sign-up offer.If you will receive rewards or frequent flyer points, are the points going towards a reward you would actually value? Consider what you would redeem the points on.Are the potential rewards worth the annual fee for the card? Rewards credit cards also typically have higher annual fees than non-rewards cards.Do you pay your closing credit card balance in full each month? Rewards credit cards often have a higher interest rate and can be about 20% p.a., based on average stats from Canstar’s database.Make sure you look at factors like the interest rate, fees, interest-free period and any rewards or other perks on offer.Īlso ask yourself the following questions before you apply: If you’re considering getting a credit card with a sign-up offer, it’s important to make sure the card is right for your circumstances overall. This is particularly important for rewards credit cards and frequent flyer credit cards as they often come with a high interest rate. You should always consider whether the credit card suits your spending habits and whether you are likely to pay off the card each month. While many of these credit card deals may seem tempting, bear in mind that the costs of owning and using a credit card can quickly cancel out the benefits of some of these offers. For example, you may get a 0% interest rate for the first 12 months or pay no annual fee for the first year only. Providers may also only offer credit card deals for limited time. For example, to get bonus points or cashback, the provider may require you to spend a certain amount on the credit card within a specified time period. There may be conditions attached to the credit card offer. Credit card offers are when the credit card provider gives you a bonus amount of rewards points, frequent flyer points, cash back, or other reward, when you apply for and are approved for a certain credit card.
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