11/28/2023 0 Comments Unsubscribe credit card offers![]() ![]() As such, you’ll usually have to be a new customer – holding no other credit cards issued by the company (or even banking group) with which you are applying. These offers are designed to recruit new customers. These conditions vary but usually include the following: You usually have to meet specific requirements to get your hands on an introductory offer on a credit card. How can I get a promotional credit card offer? But if you expect to use your card a fair bit and to clear your balance in full each month (don’t forget you can set up a direct debit to do this), then this guide can help you to capitalise on reward points, cashback or air miles to make your money go a bit further.Ĭrucially, don’t forget that when it comes to credit cards, there’s a good chance that the best deal for you right now probably won’t be the best deal in a couple of years’ time. If you don’t expect to clear your balance in full each month, then generally what you’ll end up paying in interest will outweigh the potential earnings. American Express frequently offers an enhanced earn rate once your spending amount on the card has reached a specified threshold. However, some card issuers will try to retain customers by offering anniversary bonuses or by negotiating with customers who request to cancel their card. You’re generally not tied in to these deals, so there’s nothing stopping you from just using them while the going’s good. Cards with an annual fee typically come with other perks too, like complimentary travel insurance or airport lounge access.Īs you’d expect, the benefits of sign-up offers only last for a limited time. This puts some people off straightaway, but it’s simply a question of doing the maths – if you’ll earn enough rewards to justify the spend, then the fee can be worth paying. The biggest rewards usually come in return for an annual fee. Our table shows introductory deals but also the ongoing “earn rates” of different cards – earning 1p or 1 point per pound spent makes for a 1% earn rate, for example – but it’s crucial to note that how much a point is worth will depend on the card issuer, programme and potentially even how you’re redeeming the points. These deals usually offer extra value to you in the form of a lump sum of reward points or an elevated points/cashback/air miles earn rate for a limited period. Most intro offers are only available to new customers who apply and are approved for a specific credit card during the promotional period. Some introductory offers come with specific requirements in order to qualify, and some are offset by a card’s ongoing rewards, rates and fees, which can be less appetising. Compare Clear How do credit card introductory offers work? ![]()
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