Ok, there are literally hundreds of credit cards that offer "No Annual Fee" as an incentive. What does that mean for you?...basically, it's exactly what it says: There is no annual fee to pay in order to own this credit card.

Now, you may be saying to yourself..."Why would I pay money just to own a credit card?".

It's simple. Some companies offer different incentive packages like cash back or airline miles with their credit cards. A lot of these will have an annual fee associated along with that...so basically you're getting something for your money! (annual fee)...a kickback, if you will.

Also, some credit card companies will charge you an annual fee if you don't have a balance on the card. This deters people from just having a credit card and not using it.
Well, I don't like that cuz I have a credit card that is for EMERGENCIES ONLY. I don't carry a balance, but I also don't have an annual fee either!

All you have to do to avoid this is spend a little money, make your payment every month and you're good to go!

When you think about what to look for in a credit card, I wouldn't recommend getting one that carries an annual fee...especially if the card is just for emergencies. There are too many better options out there that don't have one! Here's a great example...



...this application only takes about 2 minutes to complete!..and also has these additional features:

>No Annual Fee
>5% Cash Back
>Fraud Liability

Okay, here's the big one in my opinion. When deciding what to look for in a credit card, DO NOT overlook the fine print surrounding the APR!

Some credit card companies will try and advertise a very low rate...which is anything under about 10%. However, if you do your homework and read the fine print, you'll find out that the APR goes up after a certain period. Not good...unless it only goes up a couple percentage points, which isn't common.

Usually, they'll advertise between 0% and 5% as an "INTRODUCTORY RATE", and then jack it up to around 20%! Holy Cow!!!

This tactic is designed to trick people into thinking they can get a great rate, and it'll stay that way! Just be careful when your researching the APR's of different credit cards. They'll decieve you!

If a low APR is what you're after, take a look at this...


This card offers a 0% introductory rate, and then a 10.9% after that (depending on your credit). Those are pretty good numbers. It includes the same features as the previous one:

>No Annual Fee
>5% Cash Back
>Fraud Liablity

...just click on the card above to apply!

Rewards are another way of convincing people to apply for a credit card. Rewards come in many different forms. Some of the most common are:

Airline Miles
Cash Back
Gas Credit
Giftcards
etc....

You get the idea. Basically, it's a way for credit card companies to "pay back" their customers for using their cards. However, in most cases the company wins out...big surprise.

Unless you pay off your balance every month, the credit card companies are making money off of your interest. How much money? Well, enough to cover the cost of the "rewards" that they promise you. Funny how that works, huh?

So, is there any way around this? Are the rewards worth it? Well, maybe...but it's all up to you. If you can keep a "zero balance" from month to month by paying it off and collecting the rewards...hey, more power to ya!

How about another example of what to look for in a credit card?
If you get free gas for using a credit card with "gas rewards", then maybe that's the way to go...especially with the gas prices the way they are. Here's a card that specializes in that....and as usual it has all the other features we're looking for! I got ya covered! Check it out!....


This one is great for people that travel, commute or drive a long way to/from college or what have you!

Remember, doing you "credit card homework" can make a huge difference in the long run. Be responsible, and weigh all your options before settling on one.
You can apply for as many cards as you want...FREE OF CHARGE...just make sure you accept only what's right for you when deciding what to look for in a credit card!

This is EXACTLY what you need to avoid! Check out this vid!....