0% APR Credit Cards |
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Narrow your search for a 0% APR Credit Card
If you are planning to make purchases with your new credit card, then a credit card with an introductory 0% APR on purchases is the best choice for you. Be sure to remember when your 0% APR credit card will convert to the Regular APR. Double your bonus by choosing one of the 0% APR credit cards that also offer cash back rewards or airline miles.
If you are looking to make a balance transfer then you need a 0% balance transfer credit card.
Barclaycard Arrival™ World MasterCard Credit Card with No Annual Fee
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BankAmericard® Visa® Card
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Annual Fee None
Rewards None
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Barclaycard Arrival™ World MasterCard Credit Card
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Annual Fee None 1st yr, $89 after
Rewards Miles
Initial Bonus 40,000 miles
Base Earn 2 miles/$1
Max Earn 2 miles/$1
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Barclaycard® Rewards MasterCard®
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Capital One® Cash Rewards
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Blue Cash Everyday® Card from American Express
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Blue Sky from American Express®
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Annual Fee $0
Rewards Points
Initial Bonus 7,500 points
Base Earn 1 point / $1
Max Earn 1 point / $1
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Barclays Rewards Credit Card - Excellent Credit
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Blue Cash Preferred® from American Express
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Capital One® VentureOneSM Rewards Credit Card
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Annual Fee None
Rewards Miles
Initial Bonus 10,000 miles
Base Earn 1.25 miles / $1
Max Earn 1.25 miles / $1
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(Transfer Fee, Foreign Fee, etc.)We work hard to present you with the most accurate credit card information, however, this information does not originate from us and thus, we do not guarantee the accuracy of the information. Certain offers originate from paying advertisers, and this will be noted on a card’s details page, when applicable.
Before you apply for a credit card we recommend that you review and verify the credit card terms and conditions on the credit card company's web site. Please let us know if you find any differences related to the 0% APR Credit Cards shown on this page.
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What’s the best way to utilize a 0% APR credit card?
In order to truly take advantage of a 0% APR credit card offer, you must have a plan from the start. A 0% credit card isn’t simply an invitation to spend freely and worry about paying later, after all, as the 0% APR introductory period will end and the regular rate will kick in. Ideally, you should be getting a 0% card with a specific big-ticket purchase in mind or to pay for some unexpected expenses. That way you can use a credit card payoff calculator to determine the monthly payments required to pay down your balance before the conclusion of the 0% intro period.
If you don’t have a good reason to need a 0% APR credit card, then your motive in opening one comes into question. You shouldn’t need a 0% card to escape interest on everyday expenses because if you are truly living within your means, you should be able to pay for them in full every month. A spending adjustment is in order if you can’t, not a new credit card. Some people also use 0% credit cards in order to put the money they would have spent paying off their bills into savings accounts and thereby garner interest revenue. Doing so is fine, but be careful because it takes a tremendous amount of discipline not to overextend yourself using this strategy and you’ll be forgoing the ability to maximize your rewards (0% credit cards typically have low rewards structures, if any rewards at all).
Are 0% APR credit cards always on the market? No, people often assume that 0% credit cards are always around, but in reality they’re usually only limited-time offers. While more 0% credit card offers will be on the market during economic times characterized by growth and/or low interest rates, these offers are by no means permanent. Because of this confusion, consumers sometimes don’t plan to pay their balances in full by the end of the introductory period, thinking they can simply transfer whatever they owe to a 0% balance transfer credit card. Well, guess what…0% cards might not be available at that time, which is exactly what happened to a lot of people during the Great Recession.
Why do banks offer 0% APR credit cards? Banks offer 0% APR credit cards for three main reasons: to get the business of new customers, to encourage people to spend more than they would otherwise and thereby benefit from higher interchange fees, and to generate interest revenue off people who fail to pay down the entirety of their balances before the 0% period concludes and the regular APR starts.
When should you avoid a 0% APR credit card? Believe it or not, 0% APR credit cards aren’t for everyone. First of all, you shouldn’t use a 0% card if the lack of interest charges will cause you to spend more than you would ordinarily. Remember, you have to pay your balance in full at some point, and the interest rates you’ll incur after the 0% period concludes will quickly erase any prior savings. Second, if you pay your bill in full every month and plan to continue doing so, you would probably be better served getting the best rewards credit card possible. There’s really no point saving on interest if you won’t be paying any to begin with, and a 0% APR credit card with rewards isn’t likely to maximize your rewards potential.
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Sam Mark: I signed on with my Discover card a while back. They sent me a pre-qualified zero percent offer. It seemed like a good deal because the intro rate lasted a good long while. Everyone I talked to when I signed up was very helpful and polite. It was pretty easy getting everything set up quickly and smoothly. I highly recommend them.
May 14 at 1:40pm -
Anonymous User: I recently chose to go with the Capital One Cash Rewards for Newcomers Credit Card. Overall I am happy with the decision I made. What I like most about the card is that it is designed to help build your credit up where it automatically reports to the main credit bureaus. This is a big deal to me because I would eventually like to upgrade to the bigger reward cards and this is a good starter card where you can still earn reward points on purchases, in addition to having access to a decent credit line and being able to seamlessly work on your credit all at the same time.
May 14 at 1:28pm -
Anonymous User: I use the Capital One Venture Rewards Card and couldn’t be happier. This is the perfect credit card if you plan to do a lot of traveling. You get 10k bonus miles within the first 3 months if you spend 1,000 or more and you always earn 2 miles per dollar on every purchase. There is no annual fee the first year and $59 after that, which is a great deal considering the bonus miles pay for the card many times over in the course of a year. The interest rate is decent and there are lots of additional benefits that come with the card. Recommended.
May 14 at 1:24pm -
Steven Bourg: Personally, I've enjoyed my experience with my Wells Fargo Platinum credit card. I've had it for a few years now, and it's the only credit card I've had. I was a checking account member with Wells Fargo, so it seemed a reasonable choice to apply for their credit card as well. I've had no fees or interest rates, and since I've signed up for online banking with Wells Fargo for both my checking and credit accounts, It's extremely convenient for me to pay off my credit card each month. I don't really receive any rewards from this card, but I don't care about that.
May 14 at 1:24pm -
Lucas Neuffer: I chose to get the Chase Sapphire card based on the interest rate and the fees that came along with it. The interest rates were low when I saw them and I thought that the fees on the card were very reasonable. When I signed up the customer service was really helpful and I did not have any trouble getting and using the card to start off.
April 22 at 2:28pm
