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Before you apply for a credit card online you should understand the type of credit card you should be applying for. Credit Card Offers come in many shapes and sizes, the are low rate, low balance transfer, gold, platinum and reward program cards. Each of these offers provide certain features and benefits and you need to match these to your needs.

You need to always remember that nothing is free when is comes to reward programs, and to make these cards beneficial you need to spend more than 10k per year and always pay your balances off each month. This is because these offers come with higher interest rates and higher fees to cover the costs associated with the rewards programs.

Credit Card Wizard has been designed to help you apply for credit card that fits your needs. We do this by asking you a series of questions about your spend and repayment habits. We then use this information to help determine the right type of credit card for your needs. Credit Card Search Wizard

Low Rate Credit Card Offers - Apply Online

Credit Cards with ower interest rate and/or balance transfer rate, annual fees are generally around the 50-60 dollar mark and the cards don’t offer membership rewards. Some offers have discount partners, whereby you receive a discount if you use your card to make a purchase at their stores.

The type of consumer who should consider applying low rate product is one who spends less than 10k per year on the card and/or they continually have an outstanding balance. Therefore you would use the low rate product to minimise any interest charges.

Low Balance Transfer Credit Cards – Apply Online

Low Balance transfer offers generally offer 0% for 6 month periods or a rate around the 3-5% mark for 12 months. Most card types offer balance transfer options so when selecting a credit card to apply for select the product type first (eg. Low rate, rewards, gold or platinum) and then select the card that gives you a balance transfer offer.

Before applying for a low balance transfer product need to understand the terms and conditions around the balance transfer promotion as this can impact how you should use the card. See article Credit Card Balance Transfers - maximising the benefits for some handy hints on these types of offers.

Credit Card Types

Low Interest Rate-Compare Now!

Credit Cards with a low interest rate is best suited to those people who have outstanding monthly balances carried over to the next month and/or you do not spend enough annually to justify the annual fees associated with a reward program offer. This figure as a guide is $8,000 spend annually

Low Balance Transfer Credit Cards

Credit cards can sometimes offer 0% on balances transferred over from another. Special balance transfer rate generally lasts for 6 months from date off approval. Used correctly these offers can result in an interest saving.

Special Offers-Compare Now!

CreditMart has a whole range of special credit card offers from leading issuers. Some of these offers are exclusive to CreditMart or only available online.

Rewards Program-Compare Now!

Credit cards with a Rewards Program are really for people who pay their monthly account balance off each month and who's spend is greater than around $8000 p.a. Perfect when used for convenience purposes instead of cash.

Gold & Platinum-Compare Now!

Gold & Platinum offers generally come with greater rewards, benefits and spending limits. They also come with higher annual fees and reward program fees. Really need to be spending more that 20K per year and pay balance offer each month to make these cards worthwhile.