1. Visa

2. Mastercard

3 American Express &

4.Discover

For those of us who need short term loans, we sometimes turn to credit cards to finance our purchases for 30 days or more. Not only do credit cards allow us extra time to pay off our debts, they can be a great way of tracking expenses for extended time periods (this is especially handy during tax time & for those of us who own our business').

But, since there are thousands of different types of credit card offers out there - like student cards, gas cards, & business credit cards - it's sometimes a little tricky to figure out which offer is right & whether a offer is really a good deal or not.

So, what can we do? Besides taking the time to do the legwork & investigate the different credit card offers, here is a tip to make sure that whatever card you get really is the best deal you can get...

Low APR Will Get You Far.

- 0% APRs are optimal. Some credit cards offer very low introductory teaser rates in order to get you signed up as a customer & then the rates will sometimes rise. However, these can be really great deals if you find the right one.

For example, a few years ago, I signed up for a 0% APR credit card, but the 0% term ran for 18 months! Granted, the interest rate eventually rose, but by then, I had long since paid off my balance. 

Look around for true 0% APRs, but pay close attention for how long the 0% term runs for.