There are many reasons to give a Pier One credit card a try. From the very low fees and low interest rates to the generous rewards that will make your spending spree seem like a leisurely stroll through a park to the easy access to one store and thousands of others, you will find that a Pier One credit card will not disappoint you.
The biggest incentive to apply for these credit cards is the 5% reward rate that is being offered to new cardholders. While the rewards are certainly attractive, the limited sign up bonus of only $50 makes it less appealing. To get your first card, you should make sure that you are aware of all the details of the rewards program. When applying for a new card, make sure that the information is correct, and make sure that the rewards that are being offered are the ones that you actually want. If the reward does not appeal to you then you might want to look at other cards available in the same brand.
The rewards that you are able to apply for on the credit cards vary from one card to another. The cash back cards allow you to save money and spend more. The no annual fee cards give you a chance to pay off any balance before the end of the year. Other cards give you a chance to accumulate points towards an annual airline miles reward which gives you the ability to fly for free each year.
The perks that you are offered on these Pier One credit cards will also vary depending upon the type of card you choose. For example, if you have a balance over fifty dollars you will be able to apply for a no annual fee card with a higher interest rate. If you are using the card for a couple thousand dollars a year, you will find that the no annual fee card offers a better rate of interest. If you are a frequent traveler, you will want to find the card that offers you the best rewards on air travel.
If you are looking to use the card at many different companies then you might want to consider a prepaid card instead of one that is based on credit. The reason that you want to use these prepaid cards is because there are often limitations on the amount of credit that you can use. If you do not know what limit you will have on your card and what cards they provide, you will want to make sure to compare them before you choose the one that will work best for your needs.
Once you decide on a credit card that will meet your needs, you will need to start applying for it. It is a good idea to know who you are going to apply to and how much you are looking to put down on it. This will help you narrow down your choices and make it easier for you to get your card approved.
The best time to apply for the credit cards is when the interest rate is at its lowest. When rates are at their lowest, these cards are always the first to go because they offer the best benefits. The advantage of this is that the credit limit is generally lower when the interest rate is highest. This is not to say that the interest rate for a low interest rate card will be any lower than it would be for a high interest rate card, but you have a better chance of getting the card approved and then paying the credit limits off quicker.
When choosing a credit card, there are some things that you must be aware of. The first thing that you need to keep in mind is that there are restrictions that may be applied to you for being a cardholder with a certain company. You should also keep in mind that many credit cards will not offer you a no annual fee card. You must be aware of these restrictions and make sure that you are aware of what is offered to you when applying for a credit card.