If you have a limited credit history or derogatory marks (i.e., a negative history) on your credit report, it can be difficult to qualify for a traditional credit card. For many people currently experiencing this predicament, a secured credit card is often the best way to establish or rebuild credit history.

Typically, people find that most credit cards for good to excellent credit offer the same promotions across most cards in this category. The features that you’ll likely see include: rewards programs, zero percent introductory APRs, and special balance transfer rates.

For most of 2011 and so far in 2012, the average FICO credit score has hovered around 690 (out of 850). While the mean is 690, the median credit score is actually much higher (at 723), because the majority of scores are above 700.

These days, credit card issuers are offering some extremely enticing deals to very well-qualified consumers. In order to get one of these cards, though, you need to have excellent, or blemish-free, credit. If that describes your credit situation, then congratulations for all of your hard work maintaining superb credit.

For most of 2011 and so far in 2012, the average FICO credit score has hovered around 690 (out of 850). While the mean is 690, the median credit score is actually much higher (at 723), because the majority of scores are above 700. The difference between an average or fair credit score of 690, and a good credit score of 723, is huge in terms of applying for loans and new lines of credit.

Consumers are looking for 0% APR credit cards more than ever before; fortunately these offers are also more common in the marketplace today. One reason consumers love these cards so much is that they allow cardholders to make large purchases (or a lot of smaller purchases), and stretch out repayment without having to pay a dime in interest.