BT Cash Credit Card

There are so many credit cards available to you right now, how do you know which one to choose? The answer to this is simple, literally: which one is the simplest to use and understand. The BT Credit Card from MBNA Europe Bank Limited is exactly that. It offers basic features that are easy to use so that you can spend more time enjoying the benefits of your card instead of trying to understand its policies.

For example, your approval could find you enjoying 13 months of very low interest rates on balance and money transfers. In fact, it could be as low as 0%. Just make sure to make your transfers within 90 days of opening your account. That's plenty of time to consolidate the balances of other, more complicated cards and pay them down to a more reasonable amount. If that doesn't interest you, then you should also know that standard purchases share the same rate, but for 3 months. After the introductory period, the range of typical variable rates is still quite noteworthy.

There is no annual fee to use this card, which is pretty remarkable considering all of the features. At the same time, though, balance transfers, money transfers, foreign exchange services and cash advances all have their own attached handling fee. These are not very significant but worth noting since each time you perform one you will pay the handling fee. With proper maneuvering, though, you can minimize the effect.

Finally, this card is not only convenient but it is also secure. Not only do you have 50 days to pay off new purchases before interest starts accruing, but the fraud protection is top notch. Of course, having immediate online access helps you to monitor your own account so that you can quickly report questionable activity.