Best Current Fixed Rate Balance Transfer Card Offer

Money Insider: Nationwide revamps its credit card offerings

A growing number of the bigger financial providers are concentrating their marketing on products that offer tangible rewards to loyal customers. In the past couple of years, Santander with its Zero products and Halifax with its Reward offerings are just two of the more high-profile examples in which the strategy has been to deliver exclusive deals for existing account holders.

The days when you could pick and choose the best personal finance products from a variety of banks or building societies appear to be over, and you'll need to maintain your current account or make regular use of your credit card with a provider to take advantage its tastiest deals. On Tuesday, Nationwide Building Society revamped its credit card range by replacing its existing "Gold" and "Classic" cards for new customers with a single and simply named "Nationwide Credit Card".

The card offers a 17-month interest-free balance transfer plus three months free on purchases or, if you're not interested in the balance-transfer offer, you can opt for a six-month interest free-purchases deal.

The real change comes on charges for overseas transactions. Most credit cards will charge a foreign loading fee of 2.75%-2.99% on each transaction. With the Nationwide Credit Card the fee is 2%, and frequent users have the opportunity to reduce or eliminate their overseas charges by using the card regularly in the UK.

For every £5 spent on purchases in this country, you'll earn an allowance of £1 commissio free purchases abroad. For example if you spend £3,000 over the course of 12 months (£250 per month) you'll accrue £600 of overseas commission free purchases. The amount you earn will be shown on your statement and doesn't have an expiry date.

It's a clever move by Britain's biggest building society as it will provide real benefits to customers who use the credit card, rather than its plastic being used purely as a cheap overseas payment mechanism by customers of other banks at which foreign charges are more expensive. Before this latest revamp, the cost of using a Nationwide credit card overseas was 1% (and free in Europe).

Keeping the best products and rates for those customers who use your services most, seems to be the way that providers are starting to think, and I'm sure we will see more examples of this in the coming months.

Low Interest Credit Cards With No Annual Fee – RealFina Cial.com

Initially, when the credit card concept had just been introduced, for quite some time later there used to be an annual or yearly fee charged to the customer. There was lot of resentment and this fee slowly got eliminated. Nowadays, most credit cards come with a no annual fee offer and the marketing companies are utilizing this as a marketing gimmick. Most banks and financial institutions do not charge an annual fee and hence, the customer can look for additional features before deciding on a credit card.

This “no annual fee” does not strictly mean that there are no fees at all. It is the responsibility of the customer to read the entire document before signing for a new card. Service charge is the fee levied if the customer is unable to pay the entire balance every month. An additional fee, in the range of $35, is charged in case the customer goes over the individual credit card limit. There is a late fee charged in case the payment is delayed.

There are many credit card companies that offer no interest for an introductory phase, which enables the customer to clear his balances without any interest- accrues. There are also other attractive offers in terms of cash back and air miles rewards. Depending on the customer’s current financial outlook, the credit card companies offer cards that suit the customer’s requirements. Some cards offer best low interest as well as 0% interest rate for the first year for both, balance transfers and new purchases. It is generally an option offered to people with the best credit ratings.

People are generally fond of affordable and inexpensive credit cards and so credit card companies are always coming up with new low interest rate credit cards, with no annual fee, that corresponds to the customer’s needs.

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