Some of the best credit card offers currently available include the American Express Platinum card, which gives you up to 5% cashback for the first 3 months that you have it. Obviously there is a ‘maximum spending limit’ of a few thousand dollars, but that’s still enough to earn you well over $100 in cashback. After those 3 months are up, the cashback rate drops down to 1.25%, which is still a respectable rate (since you’ll earn $1.25 for every $100 you spend).

The best thing to do when applying for a ‘time sensitive’ CC such as this is to get it at a time of year (or just before) when you know you’re going to be spending a lot, such as the Christmas holidays. This means you’ll be more likely to spend up to the limit and earn as much money back for yourself as you can, making this one of the best credit card offers on the market.

There was a time when CC companies could bully you (simply because you had very little choice) into getting a card that had a high interest rate. Credit cards are no-longer for the elite (known as the ‘Platinum people’ because they all carry Platinum cards), and almost anyone can now take out an interest free one, making it safer than ever to own it (because you don’t have to worry about being charged high interest rates).

There’s a reason why CC companies can afford to give us such appealing rewards – it’s because they’re charging us a hefty interest, APR or annual fee simply to use the card itself, so be careful!

Another thing that you need to watch out for is the dreaded ‘annual fee’, which lots of companies used to charge in the past (but is less common now). That being said, when taking out a credit card always ask if there’s an annual fee (just in case you missed it in the small print). If you find that there is, 99% of the time there’s a better alternative out there.

If you’re fairly confident that you can pay off your credit card every month you might want to sacrifice a little bit of that ‘low interest security’ for some useful reward, such as Airmiles. The AMEX (i.e. American Express) Airmiles card earns you 1 Airmile for every $20 that you spend. If you fly multiple times a year, this should definitely be a good alternative to consider.

What Are Some of the Best Credit Card Offers Available Today

What Are Some of the Best Credit Card Offers Available Today