Advanta is a small business credit card issuer that has consistently offered cards with the lowest interest rates in the industry. For a long time, Advanta was only a player in the small business market, but they have recently moved to grab a share of the consumer credit market as well.
Advanta 90 day card is one of the most unique offers in the market. As the name suggests, you can get 90 days of interest free grace period for your outstanding balances. In order to quality for the offer, you will need to make your minimum payment, but as long as you do, you can enjoy 0% APR on your due balances. This is not an introductory offer which means as long as you are being responsible with your credit, you are going to be able to take advantage of this card offer.
Advanta 90 day card is designed for small businesses. You will receive business rewards with your purchases that you can use towards travel or cash back. But you don't have to be a small business owner to take advantage of 90 day offer. Advanta does not ask for an EIN on their card applications, which means individuals can apply and qualify for the 90 day card.
There is no annual for the net 90 card. You will also receive free no annual fee employee cards that you can use to manage your business expenses more effectively.
The Net 90 day card is not perfect. There is a price to be paid for the rotating 3 months grace period that you receive with this offer. The post grace period annual percentage rate is as low as 15.99%, which is quite high for a business card. Your balance transfer balances also do not quality for the grace period offer.
The Ninety day card is not for everyone. If you are a small business owner who would like to defer your full payments by up to 3 months, you can take advantage of this card to avoid paying any interests in that period. But the interest rate is quite high after your grace period is over, which means you should try to pay off your balances in the designated period. The card is also designed with businesses in mind. While consumers can also apply for the card, they may find some of the features useless (e.g. employee cards). All in all, As long as you can afford to pay back your due balances in full within 90 days, you can use the Net Ninety Day card to purchase equipments (or gadgets).
Advanta 90 day grace card is designed for folks with very good credit. Find out more about the 90 day card on intellicreditcards.com: http://www.intellicreditcards.com/myranking.php
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