What are the best credit card deals on the market at the moment?  Well this is a hard question to answer because what is best for me is not necessarily what is best for you.  Let’s look at a few things you should consider before applying for a card in relationship to the best credit card deals available.

• Interest rate:  this is where many consumers turn to first when looking at the best credit card deals.  They most usually think that the interest rate should be the top priority and they are not completely wrong.  It is priority, but it is also secondary in some cases.  I am going to outline an example.  You have a credit card deal on the internet offering zero percent interest rate for six months and after that the interest will be 19%.  Another card deal is offering 0% interest rate for three months and an APR of 14% at the end.  Which is the better deal?  Well let’s look at how you are going to use the card.  Are you going to pay the balance off at the end of six months?  Will you pay the balance off every month?  Most of us are getting a card to have more time to pay off the balance for something.  Say you are going on vacation for 2000 dollars and you will only be able to pay the minimum payment of 40 dollars each month.  This means you will not pay off the balance before the end of six months.  Then you are paying 19% with no chance at lowering the interest rate.  You also find that it increases because your credit score took a recent hit so now you are at 25%.  The other card if you went with that one offered you 14% variable rate, but they do not use the universal default method.  So the interest rate has stayed the same even after the introductory period is over.  The second card seems like the best deal right?
• Let’s look at a few real credit card deals on the market.  Discover Card has an airline miles card.  They offer a six month introductory period with zero percent interest.  They also offer a 10.99% APR for excellent credit history and no annual fee.  This is a great deal because you earn 1 mile for every dollar you spend and double miles on food and travel. 
• Chase is another card we will compare.  They have a 12 month introductory period for zero percent APR and 11.99% after that time.  There is no annual fee.  They offer free travel services for auto rental collision damage waiver and worldwide t ravel accident insurance.
• Of the two which is the best deal?  Some might say the second as the term lasts a little longer, but they are not offering you anything special.  Discover offers miles for flights when you use the card, but a shorter introductory period.  Chase offers no miles, but free travel services that could potentially be found elsewhere.