The best possible deal you could ever get from a credit card is 0% interest for the rest of your life… which is only possible through Discover and only if you’re super special and willing to make some small purchases each month (that aren’t at 0%, they’re at the prevailing rate). But, when you consider how much money these companies are banking and how much effort they put into getting new customers, is it surprising that they would do A/B testing (where they send out two or more versions of an offer to gauge which one performs better) of offers?

Ramit posted a couple screenshots of this sort of testing and it comes at no surprise that this is happening. Whenever you see an offer, compare it to the “best” one ever (0% forever) and see how close it is because those offers are out there, even if you aren’t getting it. Also, don’t assume that all offers are equal, especially with credit scores so easily accessible, and don’t assume you’re getting the best one possible for your credit rating (because you probably aren’t, that would make it too easy).