The content is accurate at the time of publication and is subject to change.

Among a few options available to consumers the top most reasons for one to consider opting for a credit card are: low interest rates, balance transfers, cards with a zero percent interest rate, rewards points, promotional offers, corporate cards, credit cards based on a bad credit score or credit history, student cards, instant approval cards, flyer miles options and cash back options and business cards.

Based on the above mentioned options consumers have a choice to pick the best card that suits their needs and also gives them an option to make repayments in a timely manner to avoid any form of damage to their credit score. Various banks provide either one of these options or even combine two or three of the options to entice the customer to opt for their card. A combination of these offers may seem like a right choice for a consumer, while for others just one of these options may just fit their criteria.