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Choosing a Gas Credit Card Properly

Jun 19, 2008
When it comes to looking for a gas credit card there are many things you will want to keep in mind. First of all, a gas credit card is very similar to any other credit card as far as what you should look for. So, keep this in mind as you begin your search. Remember that there are many benefits to gas cards and you should keep these in mind while you are comparing different cards. The following points are just a few things you will want to keep in mind when it comes to choosing a gas card.

Introductory Rate

You will want a gas card with an introductory rate of 0% for at least three months if not a year. This is great for you because it allows you to save on interest the entire first year. Of course, you don't want to get in the habit of not paying your credit card bill in full each month, but it is really nice to have a good introductory rate. Look for cards that offer them because there are many that do!

Interest Rates

You also need to keep interest rates in mind. Whether you have an introductory rate or not you will eventually have a regular interest rate to contend with. Keep this in mind because it is really important. You don't want a gas credit card with a high interest rate. Gas is already too expensive as it is and if you can't pay your card in full one month you don't want to have to deal with really high finance charges. That means you need to evaluate the interest rates in conjunction with introductory rates to see what makes the most sense to you. If you have one card offering a 5% interest rate, but no introductory rate, and you pay your card in full each month then that is better than a card offering a 0% interest for a year then 12% afterwards if you don't pay your card in full. Evaluate the whole picture when making a decision.

Benefits

Some gas cards offer great benefits just to use them. For example, you could get cheaper gas by a couple cents per gallon by using your gas card. Or, you may receive points for every dollar you spend that can be traded in for airline miles, gifts, and even cash back! Compare the benefits offered by the gas cards, compare them with the interest rates, and this will help you find the right card for you.

Card Use

Some gas cards are for gas only while others act as full credit cards. Consider which of these options is in your best interest and would work best for you. Some people find they prefer a gas only gas card because they can only use it for gas while others like the flexibility of having a gas card that can be used for multiple purposes.

When it comes down to picking out a gas credit card, make sure that you take your time when you do your research. You will find sooner or later that there will be a card that suits your needs!
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