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Finding the Best Gas Card in 6 Steps

Jul 31, 2008
Gas prices are touching the sky and to save on gas, millions of individuals are using gas credit cards. These credit cards are as same as that of normal credit cards that offer rebates as well as rewards to consumers, when they make purchase.

Many people consider buying credit cards due to rising fuel prices and in the process tend to ignore the details of credit card companies and opt for cards, which are not worthy.

Tips:

1. If you have the tendency to carry the dues until next month or few days after the speculated date, select a credit card of such company, which charges low interest rates, even if you fail to pay the dues within speculated time.

2. Other regular credit cards carry higher monthly interest rate and have short grace periods. So, opt for a credit card, which allows making payments after the due date on reasonable interest rates. However, in this type of credit card, you may have to pay higher Annual Percentage Rate (APR) and may get low fuel limit.

3. Do not get attracted by zero interest rate credit cards. Such credit cards carry zero interest rates only for initial few months. After few months, companies start to charge higher interest rates. Therefore, before applying for a gas credit card, you need to consider at least three to four credit cards, study their details, clarify any doubts by calling up customer care or by visiting the banks in person.

4. Many credit card companies offer reward points depending on the number of times you fill your vehicle's tank. If you drive occasionally, you may not get the benefits of a reward system. In such cases, opt for a credit card, which offers good discount when you fuel your vehicle, each time.

5. Another important thing you need to consider while choosing the best credit card is your driving habits. If you are an occasional driver and drive only in local areas, you need to choose a credit card of a particular company, which is specific to your area, so that you do not have to drive all the way to another area to fill the tank.

6. If you drive long distances, choose a credit card from a company that has branches in other cities or areas as well.

Summary:

When these credit cards were introduced, the idea was to offer easy fueling method for individuals who have a good credit history. The reward system was to lure customers to the fuel station. However, at present, these credit cards are available to people even with average credit history too.

With this type of credit card, you obtain benefits such as vehicle repair rebates, travel discounts, and discounts on grocery items. Moreover, the reward systems as well as the terms of different gas credit cards differ with the companies. Therefore, you need to go through the fine print and choose the best credit card, which fits your requirement and lifestyle.
About the Author
Find gas cards and more of Tom's work at FINDgascards.
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