Best 0 Interest Credit Cards 2011

When it comes to credit cards, no interest means no penalty fees. It would all be such a dream if every credit card offered by credit card companies had zero interest rates, allowing us to buy what we want whenever we want, without fear of digging ourselves deep into interest debt. Although this sounds too good to be true, we can actually enjoy zero interest for the first few months depending on credit card offers. Here are the best 0 interest credit cards 2011 can give you:

1. Discover Student Mix Tape Card

Zero interest for 9 months! The Discover Student Mix Tape Card offers a 0% introductory APR on all purchases for as long as 9 months. Aside from breathing easy on interest, this card allows you to earn a 5% cash back bonus in practical categories like travel, department stores, gas, groceries, restaurants, and more. Plus you can even get a 1% unlimited cash back bonus on everything else you buy. With $0 fraud liability, and no annual fee, this card is hard to beat.

And if that doesn’t seem enticing enough, Discover allows you to choose among more than five fun and quirky designs that suits your mood and personality.

2. Discover More Card

If nine months isn’t long enough for you, Discover More Card offers a 0% introductory APR on purchases and balance transfers for as long as 15 months. With the same cash back offer of 5% on travel, gas, groceries, and restaurants, those who love their home can also avail of this cash back from home improvement stores. A 5% cash back could mean big savings and big rewards in the long run.

Discover More card charges no annual fee and can give up to 1% unlimited Cashback Bonus on all other purchases. This arrangement makes sure that every purchase you make on your card doesn’t go to waste. And just like Discover’s Student Mix Tape Card, you can have the liberty of choosing from a host of card designs that will truly give you a personalized feel.

Have a worry free credit card experience with Discover Student Mix Tape card and Discover More Card. These cards allow you to breathe easy while you charge, keeping you safe from interest fees for the first 9 – 15 months.

Best Credit Card Offers 2011

With the multitude of credit cards sprouting out from different banking institutions, it’s difficult to choose from the many promotions and freebies they are offering. From cash back rewards to airline miles, credit cards are now packed with rewards of all kinds. However among all the credit card promotions, there are some that stand out amongst the others. Here are the best credit card offers 2011 can give:

1. Discover Student Card Builder – Build Your Own Credit Card

What better way to choose a credit card than to make it yourself! With Discover’s Student Card Builder you can choose your introductory APR and the duration for purchases. Plus you can choose your own card design for a unique touch. Building your card is made easy as you can do it in four simple steps. First you tell them about yourself and how you want to use your Discover card. Second, you choose your rewards, third pick a card design, and finally choose your terms.

With a unique card that allows you to do whatever you want, it’s hard to find any fault as everything you want is within your reach. You can even start building your card with Discover’s interactive tool today.

When looking for a good credit card, supply and demand has given us the opportunity to choose not only from a wide range of interest rates, but also from a host of promotions, freebies and rewards.

Best Student Credit Cards in 2011

College is a great time to gain experience. This is when young people build maturity when it comes to personality, relationships, knowledge, and of course, finances. Usually when young adults are in college, parents withdraw monetary support to teach them how to be financially independent. Sometimes finance management can be made so much easier with the use of a credit card.

A credit card for students can have both advantages and disadvantages, depending on the level of responsibility of the student. If a student spends more than he can afford, or if he misses to make payments on the due date, students can get themselves into a lot of bad debt. Still, there is no harm in getting a credit card as long as you know you’re financially responsible.

When choosing a credit card, some things you have to keep in mind is to getting a card that suits your lifestyle needs. Don’t get a rewards credit card if you know you’re going to keep a balance since those type of cards typically charge a higher interest rate. Also, look for cards that don’t charge an annual fee. You might just get shocked a the end of the year to find an added expense you weren’t prepared for.

Instead of getting a “normal” credit card, there are some credit card companies that are sensitive to the needs of students. These cards fit the lifestyles of students well, giving them low interest rates and practical rewards that students can definitely use. Some cards give cash back rewards on purchases such as groceries, gas, restaurant orders, and many more. Plus, some cards also offer 0% interest for the first few months of use. Just make sure you check what the interest rates are afterwards.

Here are some of the best student credit cards in 2011. These cards are made just for that young adult in college.

Best Student Credit Cards

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Take advantage of the credit cards built just for students. These cards know what students need, giving you rewards and bonuses on purchases you will actually make. And finally, don’t get too excited by the lures of rewards or freebies. If you know you don’t need to buy it, then discipline yourself into delaying the purchase up to the time when you can actually afford it.