Latitude Financial Credit Cards

More on Latitude Financial Services

Latitude has some pretty interesting credit cards on the table. From rewards cards and retail cards, to travel cards and no-frills cards, Latitude credit cards are well worth a look.

What's different about Latitude?

Who is Latitude?

Based in Australia and New Zealand, Latitude Financial Services offers a range of financial products and services, including credit cards, insurance and loans.

As we know, this new look organisation was once GE Capital Finance. So, despite its makeover, it’s really not ‘new’. For one thing, Latitude has 2.4 million customers. Not many start-ups can say that. And another thing, Latitude still offers many of the products GE Capital Finance offered – with many of the same retailer partnerships.

What does that mean for you? If you apply for a credit card from Latitude, you have a pretty decent range to choose from. Okay, the range doesn’t have frequent flyer or prestige cards packed with features. But, it does offer a selection of extremely usable rewards, travel and retail cards. As for interest free offers? These cards have ‘em in spades.

Introductory Offers on Latitude Credit Cards

Unlike other credit cards, Latitude cards don’t always have those big shiny introductory offers. However, they do come up now and again. Let’s have a look at some of those offers and how they work.

No Annual Fee Offers

With these offers, you’ll pay no annual for a certain period, or for the life of the card. If you want to save money, then this type of offer is perfect. You can enjoy all the benefits the card offers, without paying out in annual fees. If you do choose a card with this type of offer, make sure you know what annual fee you’ll pay at the end of the intro period.

Purchase Rate Offers for New Latitude Cardholders

Cards with a purchase rate offer have an introductory period where purchases attract low or no interest. These are awesome if you want to put something big on your card and pay it off with no interest.

It’s worth bearing in mind that many of Latitude’s credit cards have interest free offers as standard. Check the small print to find out the details, including payment plans and participating retailers. Just make sure you pay off your purchases within the interest free period. Those interest rates could really sting.

Balance Transfer Offers

When you transfer a balance from an existing card to a balance transfer card, you will pay low or no interest for a certain period of time. If you have existing credit card debt, this can be a great way to pay it down while avoiding interest. Any balance left unpaid when intro period ends attracts the card’s revert rate.

Latitude Rewards Offers

Rewards offers are really quite common on rewards cards. They often come in the form of bonus points on sign-up, or additional points on the standard earn rate. As with any offer, you have to read the fine print. To be eligible for the bonus points, you may have to spend a certain amount with a certain retailer within a certain timeframe.

Other Offers

Other small offers often crop up. While they may not be as big and shiny as other offers, if they work for you, that’s all that matters. Keep an eye out for offers that work with your credit card spending and make the most of them.