Credit cards can be a valuable tool in life, but not all cards are created equal. When looking for
that perfect credit card, start by thinking about how you will use the card. The best credit card
for you will be one with features designed to meet your specific needs.

While it is important to pick the right credit card, it is not always easy. The credit card you
choose should help you achieve your financial goals in the most affordable, efficient way
possible, whether you are trying to build credit, borrow money or earn rewards.

Here are three important things to consider when deciding which card is right for you.

• A Reasonable Interest Rate: The Annual Percentage Rate (APR) is the amount of
  interest you will incur if you do not pay the whole balance off each month. The interest
  on most credit cards can be relatively high. Therefore, it is important to focus on finding
  the credit card with the lowest interest rate possible.
• Low or No Fees: When choosing a credit card, one of the things you need to consider is
  the fee structure. Credit cards can come with various fees, including annual fees, late
  fees, over-the-limit fees, balance transfer fees, and foreign transaction fees when you
  use your card abroad. You will want to look at each of these different fees on any card
  you consider and opt for a card with minimal fees to avoid any unexpected charges.
• A Rewards Program You Will Use: A rewards credit card can help you earn cash back,
  travel rewards, and other perks with everyday purchases. Your card should be well-
  matched to your spending habits to ensure you are getting rewards in an area where you
  get the most value and use.

In conclusion, the card you choose should help you to build your credit history, be affordable, and ideally, even reward you for your spending. At Advancial, our uncompromising credit card with premium benefits offers low rates, no annual credit card fees and unlimited reward points. Plus, 0% interest for the first 12 months!*

Our Advancial Visa ®  Rewards Plus credit card offers:
 No Balance Transfer Fees
 No Annual Fee
 No Foreign Transaction Fees
 No Over-Limit Fees
 No Cash Advance Fees
 No Penalty Rate
 0% APR for the first 12 months on balance transfers and purchases.*
 Up to 1.5% Rewards on All Spending **
 Earn $100 cash back value when you spend $500 in the first 90 days after account
opening.

* After that, your interest rate will be 8.90% - 14.90% based on creditworthiness
** Spend between $1-$2,499 and earn 1% rewards. Earn 1.5% when you spend $2,500+ or when you
make 25+ purchases during a billing cycle.

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Apply for an Account Today or visit our website at www.Advancial.org for more information.