Credit Cards: What’s Available These Days?

credit card stackThe following article was submitted by guest poster Shay Quincy.

If you already have a credit card, looking for a new bit of plastic might be the last thing on your mind – but it’s worth doing your research. Finding the right deal could save you money in the long run, so let’s take a look at what’s available:

Balance transfer credit cards

Do you have money outstanding on old store or credit cards? Are you looking to organize your finance and consolidate your debts? If so, moving your outgoings onto a card with a lower interest rate could be just what you need. This is known as a balance transfer and should enable you to manage your money in a more efficient way. Many suppliers offer great promotional rates, but the new Manchester United credit card from MBNA, now offers 16 months at 0% on balance transfers (terms and conditions apply), as well as a host of exclusive offers.

Rewards cards

The economy remains in a rather fragile state, which is why it’s important to make your money go further. One of the best ways to do this is to apply for a rewards credit card online and earn points as you spend. These can then be redeemed against a wide range of discounts and deals including special merchandise and will help you buy an array of exciting gifts – without breaking the bank. Of course, with most rewards cards, you can also enjoy all the benefits of a traditional card including online card services, so why not find out more?

Cards for sports fans

Believe it or not, there is also a host of specialist rewards cards for sports fans. So whether you are a fan of soccer or prefer kicking around an egg-shaped ball – there’s something for you. Not only will you get exclusive access to an array of offers, but (with some cards), your issuer will make a contribution to your favorite franchise with each card purchase. The more you spend, the more your club will benefit, helping you to show your support in a unique way. There are also a number of charity cards that work in a similar way, so it’s worth seeing what’s available.

According to a report by the BBC, the way we spend has changed dramatically over recent years thanks to the introduction of credit and debit cards. They are certainly an integral part of life today, but do you have the right one in your wallet? It’s worth finding out!