Zero Percent APR Cards
0% APR credit cards could be the solution you’re looking for if you’re carrying balances on other credit cards. The main feature of these cards is their 0 APR introductory rate. Compare the credit cards below to see which is the best for your needs and then simply apply online.
- 0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 10.99% - 20.99%*
- 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
- Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
- Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
- 24/7 access to a U.S.-based Account Manager within 60 seconds
- $0 Fraud Liability plus automatic mobile and email fraud alert options
- Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
- *Click apply to view rates, fees, rewards, limitations and other important information
- This offer is for people with a good to excellent credit history which means, among other things, that your credit history is clear of bankruptcy and seriously delinquent accounts
- Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months
- 0% Intro APR for 12 months on balance transfers and 6 months on purchases
- 5% Cash Back on up to $1,500 spent at gas stations and on Amazon.com from 1/1/12 - 3/31/12.
- You'll enjoy new 5% categories every 3 months like grocery stores, restaurants and even airlines. It's free and easy to activate your bonus each quarter!
- Unlimited 1% Cash Back on all other purchases without limits on what you can earn and up to an additional 10% Cash Back when you shop online at select merchants through Chase
- No annual fee and rewards never expire
- No annual fee
- Travel rewards with no blackout dates or travel restrictions. Redeem with any airline, any car rental, any hotel - anytime
- Pay your bill all at once, or over time. It's up to you.
- Blue Savings Program: big deals on big brands, all the time
- Rated "Best Airline Credit Card" by Card Ratings Consumer's Choice Awards in 2010
- Get approved in 60-seconds
Zero Percent APR Cards
0% APR Credit Cards
Carefully examine your financial situation before selecting a 0% APR credit card. Some companies offer introductory terms of up to 18 months, while others might give you only six months before your interest rate goes up. Having an idea of how long the offer will last will help you determine whether you can pay off your debt before the interest clock starts ticking again.
Find Out How Interest on New purchases is Calculated
A 0% APR credit card can be a real lifesaver, but new purchases with your card can very quickly cut to the heart of the financial progress you’re trying to make with your card. Payments on your account in many cases are applied first to the portion of your balance with the lowest interest rate, which could potentially mean that all new charges will accrue interest until your balance is paid in full. This policy could result in your having a balance subject to interest charges once you pay off the transferred amount.
Keep Your Options Open
In the event that your 0% APR credit card goes up, it’s always wise to have a plan “B”. If this happens to you, what are your options? Do you have another credit card to which you could transfer your balance? Is applying for another 0% APR credit card an option for you? If you have good credit, this might be something to consider in the event that a minimum monthly payment somehow slips under the radar and you’re late with your monthly payment, but keep in mind that one or two late payments could potentially hamper your efforts to get a new card.
Other Features and Benefits of Card Membership
Every credit card offer has certain benefits and 0% APR credit cards are no exception. Additional warranty protection for purchases made with your card, zero liability for fraudulent charges and no annual fee are all features that most 0% APR credit cards have. Some cards, however, give you additional perks such as free travel insurance and zero fees for transferred balances – and more.
Making the decision about which 0% APR credit card is right for you is as distinctly personal as deciding which political candidate to support. Like a political candidate, the wrong 0% APR credit card could wind up costing you more than advertised. Choose wisely and reap the rewards that come with choosing the right 0% APR credit card.