You may be tempted by limited-time bonus offers but what's really the best time to apply for a credit card?
offers a 0% APR for the first 21 months on balance transfers . This card does come with one of the steeper balance transfer fees: 5% . But this can be worthwhile if you're paying high interest charges.If you have a large purchase coming up, it can be beneficial to open a credit card offering no interest for over a year. This allows you to pay off the balance over time without incurring interest.offers a 0% APR for the first 15 months on purchases .
Avoid opening a card solely for the welcome bonus. While it's a nice perk, consider the other rewards and fees before applying to make sure the card is a good fit and that you can easily afford any spending requirements., which allow you to gauge your chances of qualifying for a credit card. Filling out a pre-qualification form does not hurt your credit, so it's a great way to shop around for the best offers.
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