Benefits to customers

Because of intense opposition in the credit card industry, credit card provider often offer incentive such as frequent flyer points, gift certificate, or cash back to try to attract clients to their programs.

Low interest credit cards or even 0% interest credit cards are obtainable. The only problem to consumers is that the period of low attention credit cards is incomplete to a fixed term, typically between 6 and 12 months after which a superior rate is charged. However, services are obtainable which alert credit card holders when their low interest period is due to terminate. Most such army charge a monthly or annual fee.