Numerous Benefits That Globetrotters and Shopaholics Reap Out With Credit Cards

Shopaholics and globetrotters always remain on the lookout for exceptional spending tools that proffer them rewards and give them the liberty for everyday purchases. There is no dearth of credit cards that provide bonus points, hassle-free balance transfers, cash back offers, and various other benefits. Mastercard credit cards offer 3% cash back on gas stations, grocery stores, dining, and entertainment. For the first 15 billing cycles of purchases, there is no introductory APR. For preferred reward members, there is 40%-70% cash back on every purchase.

These cards come with several benefits including low interest rate, zero application fee, a grace period of 25 days on purchases, and cash advances. These cards give their users emergency assistance virtually from every place. Low rate credit cards bring innumerable benefits and there are so many cash back offers on transit such as rideshare, tolls, buses, trains, and cabs. When you spend more than $1,000 on purchases, you get an opportunity to earn a $250 statement credit. You can also apply for Wells Fargo Cash Wise Visa card as it can provide you $600 on cell phone protection, the annual fee is $0, and when you spend more than $500, you can get a $150 cash rewards bonus. 

Whatever your financial goal is, you can apply for a wide assortment of cards with low interest including Discover it cash back, Wells Fargo Propel American Express, and BankAmericard. Citi Simplicity is another fantastic card that gives peace of mind to its users as there is no penalty rate or late fees. For frequent travelers, The Platinum card from American Express is the right one as it gives welcome bonuses and reward points on booking of flights. Cardholders can earn points per $1 spent on all purchases. For those who love to explore their dream destinations, this card provides them additional perks and membership rewards. Also, they can reap out the benefit of complimentary access to airport lounges across the globe. They can pay their cellular bills with this card. Various cards offer 25,000 bonus points, money-saving perks, transferable points, and cash back offers. Find the best credit card that matches your travel and shopping needs.

What are the Pros of Owning a Low Interest Credit Card?

These days, all the major banks offer low interest credit cards. These cards come with a very low to 0% APR somewhere between 5% APR to 0% APR for an introductory period. But, do you want to know the pros of owning a low interest credit card? Well, there are a number of benefits that you can avail and some of them include -

You can save on your hard-earned money by paying a low interest rate for the entire introductory period.

You can split a large purchase over a few months without paying any interest fees.

The credit card extended is completely free for people using a 0% APR.
The low interest credit cards are available with high balance transfer rates.

However, make sure to check for all the fees and future interest before signing up for low interest credit cards. And, to make the best use of these cards, you should make large purchases and pay off the balance during the introductory period.

Caring For Your Citibank Credit Cards

Just like every other credit card holder you too are concerned a lot about your financial standing. This is because every credit card in the market is prone to cyber crime, data theft and forgery. This is why it is very important that you take credit card safety seriously. In fact, there is a lot you can do to help protect your credit cards from any such risks and prevent important financial data from getting into the hands of cyber criminals.

How Do You Practice Basic Credit Card Security?
Whether it is your Citibank credit cards or any other low interest rate credit card, it is very important that the moment you get them in your mail you sign at the back of the financial instrument right away. This is going to protect your card from misuse if someone else gets their hands on it. Also do remember that your pin code is not to be shared with anyone and under no circumstances you are supposed to keep the pin in the same place as your card. The best way is to memorize it and an even better way is to record it at someplace completely far away from your card. This way even if your card ever gets stolen the thief will never have the pin to defraud you of all your money.

Do you know about the various tricks that thieves use to get their hands on your credit card number? Of course you don’t but you can prevent this from happening by:

• Keeping your card private and not letting anyone see it in public
• Not giving your credit card information over the phone unless you are talking to your own Bank
• Not answering any email that requires you to fill in your account number or card information regardless of how reputable they might claim to be
• Consider paperless transactions