My Credit Card Choice

My group met and we chose a Bank of America credit card as the best card. There are multiple reasons for this decision. There was a zero dollar liability for any situations when the card would be stolen and purchases are made with it. This is a very good security to have.
There are some specific benefits to having this cards as well. There is no annual fee that is included with this credit card. There is a zero percent interest rate for the first year. All the other cards we looked at had this for only the first six months. After the first year, the interest rate can vary from 12.9% to 20.9%. The interest rate didn't matter to us very much because we will be paying all of our bills on time. This means we won't have any finance charges.
Another added bonus is the rewards program. I can earn 1.25 points for every dollar I spend on retail purchases. Can never have enough clothes! This beats the one point per dollar from other cards. I can eventually redeem these points for cash, travel, car rentals, merchandise, gift certificates, and more! There's nothing better than getting paid back for spending money on things I need!