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0% APR Credit Cards

0 apr credit cards

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.

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    3.5

    Capital One® VentureOne® Rewards Credit Card

    capital one ventureone rewards credit card
    • 0% PURCHASES until April 2015
    • 0% TRANSFERS Not Offered
    • REGULAR RATE 11.9% - 19.9% (V)
    ANNUAL FEE None
    REWARDS Miles
    BASE EARN 1.25 miles / $1
    MAX EARN 1.25 miles / $1
    • Earn unlimited 1.25 miles on every purchase, every day.
    • Enjoy a one-time bonus of 20,000 miles once you spend $2,000 on purchases within the first 3 months, equal to $200 in travel.
    • Fly any airline, stay at any hotel, anytime.
    • Enjoy a low intro APR on purchases.
    • Travel when you want—no blackout dates.
    • Miles don’t expire.
    • No limit to the miles you can earn.

     
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    4

    Capital One® Quicksilver® Cash Rewards Credit Card

    capital one quicksilver cash rewards credit card
    • 0% PURCHASES until January 2015
    • 0% TRANSFERS until January 2015 ;   Fee.....3%
    • REGULAR RATE 12.9% - 22.9% (V)
    ANNUAL FEE None
    REWARDS Cash Back
    BONUS $100
    BASE EARN 1.5%
    MAX EARN 1.5%
    • One-time $100 bonus after you spend $500 on purchases within the first 3 months.
    • Earn unlimited 1.5% cash back on every purchase, every day.
    • No rotating categories and no sign ups needed to earn cash rewards.
    • Redeem the cash back you earn for any amount, any time.
    • Your cash back doesn't expire.

     
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    4

    Chase Freedom®

    chase freedom credit card
    • 0% PURCHASES 15 months
    • 0% TRANSFERS 15 months ;   Fee.....3%
    • REGULAR RATE 13.99% - 22.99% (V)
    ANNUAL FEE None
    REWARDS Cash Back
    BONUS $100
    BASE EARN 1%
    MAX EARN 5%
    • Earn a $100 Bonus after you make $500 in purchases in your first 3 months from account opening.
    • Earn a $25 Bonus after you add your first authorized user and make a purchase within this same 3-month period.
    • 5% Cash Back on up to $1,500 in combined purchases between April 1 and June 30, 2014 at restaurants and Lowe's® home improvement stores.
    • You'll enjoy new 5% categories every 3 months like gas stations, restaurants and Amazon.com. It's free and easy to activate your bonus each quarter!
    • Unlimited 1% Cash Back on all other purchases.
    • No annual fee and rewards never expire.

     
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    4

    Capital One® Platinum Prestige Credit Card

    capital one platinum prestige credit card
    • 0% PURCHASES until July 2015
    • 0% TRANSFERS until July 2015 ;   Fee.....3%
    • REGULAR RATE 10.9% - 18.9% (V)
    ANNUAL FEE None
    REWARDS None
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    3

    Capital One® QuicksilverOneSM Cash Rewards Credit Card

    capital one quicksilverone cash rewards credit card
    • 0% PURCHASES until January 2015
    • 0% TRANSFERS Not Offered
    • REGULAR RATE 22.9% (V)
    ANNUAL FEE $39
    REWARDS Cash Back
    BONUS None
    BASE EARN 1.5%
    MAX EARN 1.5%
    • Earn unlimited 1.5% cash back on every purchase, every day.
    • No rotating categories and no sign ups needed to earn cash rewards.
    • Redeem the cash back you earn for any amount, any time.
    • No limit to the cash back you can earn.
    • Your cash back doesn't expire.

     
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    3.5

    Chase Slate®

    slate credit card
    • 0% PURCHASES 15 months
    • 0% TRANSFERS 15 months ;   Fee.....None
    • REGULAR RATE 12.99% - 22.99% (V)
    ANNUAL FEE $0
    REWARDS None
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    4.5

    Blue Cash Preferred® from American Express

    Blue Cash Credit Card
    • 0% PURCHASES 15 months
    • 0% TRANSFERS 15 months ;   Fee.....3%
    • REGULAR RATE 12.99%-21.99% (V)
    ANNUAL FEE $75
    REWARDS Cash Back
    BONUS $100
    BASE EARN 1%
    MAX EARN 6%
    • Get 100 Reward Dollars, redeemable for a $100 statement credit, after you make $1,000 in purchases with your new Card in the first three months.
    • Plus, get one year of Amazon Prime after you sign up for a new membership with your Card and meet the spending requirement in the same time period.
    • As an Amazon Prime member, you get unlimited FREE Two-Day Shipping on millions of items.
    • Earn Cash Back: 6% US supermarkets up to $6,000 per year in purchases, 3% US gas stations & select US dept stores, 1% other purchases. Terms and limitations apply.
    • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.

     
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    4

    Sony Card from Capital One®

    sony credit card
    • 0% PURCHASES until February 2015
    • 0% TRANSFERS Not Offered
    • REGULAR RATE 13.9% - 24.9% (V)
    ANNUAL FEE None
    REWARDS Points
    BASE EARN 1 point / $1
    MAX EARN 5 points / $1
    • Earn 5,000 bonus points after first purchase in your first 90 days.
    • 5 points per $1 at Sony Store and store.sony.com.
    • 3 points per $1 on dining out and movie purchases.
    • 1 point per $1 spent on all other purchases.
    • Redeem for Sony products, movies, music & more

     
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    4

    Blue Cash Everyday® Card from American Express

    american express blue cash credit card
    • 0% PURCHASES 15 months
    • 0% TRANSFERS 15 months ;   Fee.....3%
    • REGULAR RATE 12.99%-21.99%
    ANNUAL FEE $0
    REWARDS Cash Back
    BONUS $50
    BASE EARN 1%
    MAX EARN 3%
    • Get 50 Reward Dollars, redeemable for a $50 statement credit, after you make $1,000 in purchases with your new Card in the first three months.
    • Plus, get one year of Amazon Prime after you sign up for a new membership with your Card and meet the spending requirement in the same time period.
    • As an Amazon Prime member, you get unlimited FREE Two-Day Shipping on millions of items.
    • Earn Cash Back: 3% at US supermarkets, up to $6,000 per year in purchases, 2% at US gas stations & select US dept stores, 1% on other purchases. Terms and limitations apply.
    • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.

     
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    4.5

    Capital One® Classic Platinum Credit Card

    capital one classic platinum mastercard
    • 0% PURCHASES until January 2015
    • 0% TRANSFERS Not Offered
    • REGULAR RATE 22.9% (V)
    ANNUAL FEE $39
    REWARDS None
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    Ask our Experts
    EXPERT’S ANSWERS

    What’s the best way to utilize a 0% APR credit card?

    By: Odysseas Papadimitriou Zero percent credit cards are undoubtedly valuable. In fact, “a 0% loan that can be paid off in monthly installments of 1-3% of the principal balance is a pretty good deal, perhaps the best borrowing one could engage, assuming future income remains stable,” according to Jason Kilborn, a professor at The John Marshall Law School who studies bankruptcy and insolvency.

    But 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.

    “Zero percent credit cards are obviously a great financing option compared to other forms of short term credit that charge market rate interest such as other revolving credit cards, overdraft protection and payday loans. And since the CARD Act was implemented, they are even better,” says David Reiss, founding director of the Community Development Clinic at Brooklyn Law School. Prior to the CARD Act, credit card companies might solicit new business with a zero percent interest rate and then jack it up for sometimes legitimate reasons (for example, default on the credit card debt) but often for illegitimate reasons (for example, alleged default on another, unrelated debt). So, if you are confident you can avoid default (which may trigger all sorts of bad financial outcomes), this option is worth considering. … Ideally, you will pay back the debt before the zero percent rate expires, but if you do not plan to, you should compare the interest rate of your current credit card with that of the one with the promotional rate to at least get a sense of the difference in the rate you would be paying after the promotional period expires."

    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. Many consumers would do well to heed such advice, as "consumer debt is clearly a big issue that is likely to only get bigger," according to Dr. Matthew Ragas, a professor at DePaul University.

    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?

    By: John Kiernan 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?

    By: Odysseas Papadimitriou 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.

    “If consumers actually routinely borrowed at 0% without paying any fees or interest, it would be difficult for credit card companies to earn a profit on these deals. So many 0% offers may come with balance transfer fees, time limits, caps on the amount eligible for the 0% balance or other conditions attached which will usually cause consumers to end up paying some interest or fees,” says Michael Simkovic, an associate professor at the Seton Hall University School of Law who studies the regulation of credit markets through the bankruptcy code. “Customers just really have to read the fine print, compare the total cost of borrowing the amount they need for the time they need it (including interest and fees) and be very, very careful. That being said, credit cards are generally going to be a less expensive source of credit than payday loans.”

    When should you avoid a 0% APR credit card?

    By: Odysseas Papadimitriou 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.

    “Consumers need to be wary of 0% credit card offers,” warns Gina Calabrese, a professor at St. John’s University School of Law and former head litigator with the Foundation for Taxpayer and Consumer Rights. According to Calabrese, such cards are good options for people who can manage to pay off what they owe before a card’s low-interest introductory period concludes, “but many people are over-confident in their ability to do this. That's where it can become a trap.”

    “Consumers need to stay within their budgets and choose an item they will be able to pay off” in time, she adds. “Close monitoring is critical. “
    COMMUNITY DISCUSSION

    Help others find the best 0% apr credit card by sharing what your deciding factor was when choosing your card (customer service, interest rate, fees, convenience, rewards, etc.)

     
    March 21, 2014
    Photo of Brian O.
    By: Brian Oxenreider
    When looking at 0% apr cards, I always look at the length of time of the 0% offer first. In my opinion, it needs to be at least 12 months for me to apply for the card. Anything less isn't worth the hassle of the balance transfer requests, the application process and the small ding on the credit report when they review your application.
    March 25, 2014
    Photo of Diana Ferrara
    Diana Ferrara
    I agree! A 12 month is minimum for me. I also think that it needs to have NO annual fee (for the life of the card), otherwise that sort of negates the purpose for me.
    March 15, 2014
    Photo of Jackie F.
    By: Jackie Farace
    A credit card offering 0% APR is a great deal, provided that you are able to pay off the balance within the set time frame. A lot of cards will charge the accrued interest after the promotional period, which doesn’t save you any money at all. But if you can pay the entire balance, 0% APR is a money-saving tool because you can stretch out the payments without incurring interest. A balance transfer offer for 0% APR is also a great option, as it can help you pay off a high balance without paying further interest.
    March 31, 2014
    Photo of Jessica Walls-Lavelle
    Jessica Walls-Lavelle
    I totally agree, the key is paying off the card before the promotional period ends. I have known people who were not able to do that and then got saddled with high interest rates. So if you are going to take advantage of a 0% APR card, only do it if you can pay off the card before the end of the promotional period.
    February 27, 2014
    Photo of Melissa M.
    By: Melissa Marie
    Awesome! I love 0% APR credit cards. I can feel free to transfer balances without guilt and I know I won't pay more if I do not pay my balance off. I recommend a card with air miles as well as cash back. Go for it and build credit along the way.
    February 25, 2014
    Photo of January T.
    By: January Torres
    0% credit cards are awesome the only thing is that you have to be sure to pay off the credit you used before the 0% credit rate ends. I was able to carpet my house, get new windows and buy many things all utilizing 0%.
    February 22, 2014
    Photo of Patricia V.
    By: Patricia Van Landingham
    If you need to make a big purchase or transfer a balance, a card with a 0% APR is the way to go. I used one to transfer a balance from a higher interest card, and it worked out well. I was able to pay off the debt without incurring interest. Now that I’m building my credit and have a better credit rating, I plan to use another card with a 0% APR to buy new living room furniture. I do want to caution you, though: you must read the terms in the card agreement. Make sure you understand what will happen if you have not paid off the full balance, before the time frame of the 0% APR is up. You may end up not saving any money otherwise. A card with a 0% APR is definitely the way to go, though, if there is no doubt you can pay off the balance before the 0% APR expiration period.
    March 12, 2014
    Photo of Justin Parker
    Justin Parker
    I agree on making sure you read the fine print. 0% APR cards are great for balance transfers if you think you can pay off the amount within the 0% APR period. Otherwise, as you noted, you may find yourself in a bigger mess after that special APR expires. If you do not think you can pay off the balance, it makes no sense to transfer from a card with, for example, an 18% APR, to a card with a 24.9% APR. Now, if you can qualify for a card with a 0% APR and an even lower regular rate, then jump on that opportunity!
    February 12, 2014
    Photo of Ava D.
    By: Ava Doll
    I had a Barclay Card from Visa that had 0% APR, it helped me out immensely when I was in an emergency. My computer unexpectedly died and I needed to buy a new one ASAP, as I was a student with limited cash at the time. The combination of getting a student discount on my computer plus the 0% APR for a year really helped me, because I could afford to quickly buy a new computer, and pay it off quickly without damaging my credit or going without other necessities. The only thing I needed to be cautious of was paying off the full amount before 1 year, or else I would have had to pay all that back interest. For me, this was an easy goal, and I had no problems paying it off within the time frame.
    February 19, 2014
    Photo of Clay Hamilton
    Clay Hamilton
    I have a 0% APR card I keep just for this type of situation. When you experience an emergency or an unexpected expense (car repair, for instance) you can pay for it with the card and, as long as you pay it within the terms of the card, pay 0% interest. You're essentially borrowing money from the credit card for free.
    February 6, 2014
    Photo of Donald M.
    By: Donald McFarland
    I personally have used credit cards with a 0% APR as zero cost financing for large purchases. For the record I have above average credit, (a FICO Score above 810, debt-to-income under 25% and I am long-term homeowner), so I see 0% APR cards as a means to reduce my cost of borrowing on a short-term basis. I would recommend that anyone who is carrying credit card balances and can get a 0% APR card to do so. You can transfer that high interest balance to the 0% card, keep making the same payments and make a great reduction on your outstanding card balance, if not completely pay it off. The important thing to remember is to keep track of the expiration date of the 0% rate and be sure to payoff the balance by that date. Also don't let the lack of interest on the balance blind side you into greater expenditures.
    February 2, 2014
    Photo of Greg K.
    By: Greg Kempisty
    More and more banks today are offering the 0% APR feature in an attempt to draw new customers. This is extremely attractive to consumers looking to save a few bucks--or a lot of bucks-- on interest charges. Should you take advantage of this feature, make sure you keep note of the expiration date of the APR period, as letting it pass will trigger the usual interest rate ( I caught this mistake just in-time with my primary card). Also, stay disciplined in your buying habits; many users are overcome by the temptation to spend more than they can afford during these periods.
    January 16, 2014
    Photo of Marci B.
    By: Marci Bushnell
    Personally, I think that choosing to get a 0% APR credit card is one of the most important decisions you can be faced with, when selecting a credit card. I used to use cards that didn't offer this option and I never knew what I was missing. Having a card with 0% APR saves you big in the long run. Just remember that it all adds up. Any rewards or savings you can get will add up to huge discounts in the future.
    January 8, 2014
    Photo of Lucy M.
    By: Lucy Morgan
    I have always liked applying for credit cards with a 0% APR because it gave me a chance to transfer high-interest rate credit card balances to them, and get a hold on the debt quickly. Also, it allowed me at times to make large purchases and pay the balance off within that six or nine-month period in which the 0% rate was effective.
    December 27, 2013
    Photo of Doug M.
    By: Doug Miller
    I think the 0% can be a great tool in getting the most effective use of your funds. The biggest problem I see is people get complacent and don’t pay enough to pay it off before the intro rate expires and end up getting hit with the back interest. I’ve used it to purchase appliances and a lawnmower before and it allowed me to save the entire interest amount and was basically the same as paying cash because I paid it off before the promo rate was over.
    February 19, 2014
    Photo of Sallie Papp
    Sallie Papp
    I have had several opportunities to use 0% credit cards, the most recent one with a furniture company that offered 48 months interest free. I agree with Doug, however, and advise that you MUST pay off that balance before the 0% expires or you will get slapped with a huge interest amount added to your balance. For me, this involved making more than the minimum payment each month so that I would be even, i.e., paid off, at the end of the 0% interest period. A great motivation to keep on top of this is to look at what the interest will be if you don't.
    December 18, 2013
    Photo of Rafael M.
    By: Rafael Maldonado
    A 0% APR card is the only card I’ll go for these days. With money being tight, I like to rely on the introductory rate to make sure I’m not paying a huge amount of money on interest. 0% APRs are easy to find and usually come with most decent cards. I would not recommend getting a card that doesn’t come with this introductory rate unless you are super responsible with credit cards! It’s a no-brainer to want this on your card!
    December 12, 2013
    Photo of Dallas H.
    By: Dallas Hawkins
    I think 0% APR is a great feature for a credit card. My Bank of America rewards credit card has a 0% APR for the first 18 months, and I think it is a great draw to start using the card, especially when I have big purchases that I don't want to pay off immediately. Obviously it can be a trap for some people, since there is no incentive to pay off a 0% APR card, but if you pay off most of your purchases monthly then it is a great reason to get a new card and to build credit history by doing the same spending as usual.
    December 3, 2013
    Photo of Sean C.
    By: Sean Cortes
    when choosing the Capital One VentureOne Rewards Credit Card, I realized that I really needed a card that would help me earn travel points so that I could use the card to add up points to be able to travel home more often. I also really thought that the benefit of having an interest free card for purchases for one year allowed me to save money and get my holiday shopping done while adding up travel. Furthermore, I had an amazing experience with a customer service rep who had a very high financial IQ, not just about this card but about finances in general. This made me very confident on making the decision to obtain this card. Having faith a companies customer service department is very important to me because I like to know I can trust whom I am doing business with. Also I really liked the fact that the Capital One VentureOne Rewards Credit Card has no annual fee, this allows me to have more money in my pocket.
    November 20, 2013
    Photo of Scott B.
    By: Scott Bogle
    I signed up for the TrueEarnings Costco American Express card because I was already a Costco member. So when I found out I could get cash back for the purchases I was already making at Costco, it seemed like a no brainer. The only thing to keep in mind is you need to pay your balance off in full EVERY MONTH, so it's definitely not a card to use for larger purchases you're not prepared to pay off right away. But I'm thrilled with the included Costco benefits.
    November 19, 2013
    Photo of Brandon C.
    By: Brandon Crowl
    I personally decided to choose my Capital One VentureOne rewards credit card for several reasons. One reason that stands out the most is the fact that I've been a customer of Capital One, and the whole time I've been surprised by their dedication and quality customer service. Another reason I chose the Capital One VentureOne card is because the deal is great; the rewards are abundant, and the APR is less than 20%. I think many would like this card, so I've told friends about it.
    November 19, 2013
    Photo of Jared B.
    By: Jared Bissonnette
    I applied for the Capital One Platinum Prestige Credit Card because I was looking for something new. I got approved online and was given $1000 limit with 0% APR for one year. I use this for gas and furniture purchases among other things, and it has been a big help ever since I received it. Having no interest is great, and I use this card to save me money in the future.
    November 4, 2013
    Photo of Allen M.
    By: Allen Marshall
    My hands-down favorite card is the Blue Cash Preferred from American Express. It is the best card to have if you are looking for a nice 0% APR period for a big purchase. It gives you fifteen months of no interest and fifteen months of 0% interest on balance transfers and allows you plenty of time to pay off the balance without having to incur interest charges. I like that it is also a rewards card and gives you an initial bonus for signing up with them. This card will be beneficial to have even past the introductory period so it is the easy choice to make.
    November 1, 2013
    Photo of Jacoby G.
    By: Jacoby Greene
    The best credit card that I've owned to date is the Capital One Rewards Venture card. This card has an excellent interest rate, which is a necessity for me in a card as I tend to carry balances. This card also has a great travel rewards system, providing 1.25 points for each and every dollar spent. Capital One's customer service isn't exactly helpful, but I've only had to use them once, so its a small disadvantage that I could live with.
    October 25, 2013
    Photo of Cara T.
    By: Cara Towle
    I currently went with the Capital One Journey card as it has 1% cash back on everything, plus 0% interest until June of next year. What made me choose it is a combination of the benefits including no annual fee and the fact that I've had a really good experience with Capital One in general. I have more than one accounts with them.
    October 18, 2013
    Photo of Dan D.
    By: Dan Diciaula
    One of the best cards I've ever owned was the TrueEarnings Card from Costco and American Express. My favorite thing is that there is NO annual fee. For the first 6 months there is also 0% APR. I earn a 1% base money back all the way up to 3%. It's an elite card which offers me cash back and extra on gas. The customer service also can't be beat. Any time of day from anywhere you can call and talk to a live person. They are more than willing to help and take care of all your needs. All the other 0% APR cards claim rates around 12-22% as well. We all know that means closer to 22%. The TrueEarnings card gets you set at 15%. There are no hidden strings attached. It's just a great card that does the earning for you.
    October 11, 2013
    Photo of Chris N.
    By: Chris No
    I chose the Chase Freedom card it has an intro rate of 0 percent for the first 15 months that's one thing that attracted me. The other thing that caught my eye was there is no annual fee to have the card because in my uses with credit cards you get charged too much anyway so that was a nice feature. It also has all kinds of rewards just for using the card basically, one of the rewards I enjoy is the Unlimited 1% Cash Back on all other purchases. Overall this is my perfect card.
    October 3, 2013
    Photo of Robert B.
    By: Robert Brasher
    I chose the PNC bank Points Visa because of my relationship with PNC. I have an account with them and their customer service is fantastic. The introductory 0% APR and no annual fee were factors involved as well. Overall, PNC has consistently offered great service and value for my banking and credit needs.
    September 27, 2013
    Photo of George G.
    By: George Gevoian
    I have been using a Blue Cash Everyday Card from American Express and I have to say it is simply one of the best cards available for anyone, whether you have no or some credit built up. No annual fees, no APR for the first 15 months to give you plenty of time to build up your credit, and to top it all off you still get cash back on some item purchases. Great card for someone new to credit cards, such as a student, or anyone really who wants a simple no frills card.
    September 13, 2013
    Photo of Stephen M.
    By: Stephen Marth
    I have a BankAmericard basic Visa Card because at the time it was an 0 APR card and it worked out great. All of a sudden the rates skyrocketed and I was giving too much money to the bank. I immediately transferred my balance to another card and kept this card for emergencies only. If you do get this card, enjoy the perks but then stay away!
    September 10, 2013
    Photo of Chris M.
    By: Chris Martin
    It's always a smart idea to have access to a 0%APR card when you actually need a credit card to make a large purchase with spread out payments, instead of just using one for the rewards. That's why I got the Capital One Platinum Prestige card. While I didn't get any rewards like I would have if I had used another card, the money I saved with the 0% APR more than made up for it. And without an annual fee, after it was paid off I didn't feel like I was wasting money paying for a card I wasn't getting much use out of.
    September 6, 2013
    Photo of Daniel L.
    By: Daniel Lopez
    On a whim, I applied for the Capital One Platinum Prestige Credit Card. I was immediately approved online and was given $1000 limit with 0% APR for one year. I use this card for small entertainment purchases and vacation trips such as airlines or hotels. I've also used this card to transfer balances from some of the other higher interest cards just to save some money.
    August 26, 2013
    Photo of Michael M.
    By: Michael Mitros
    The Capital One Platinum Prestige Credit Card is the card I chose for a couple a reasons over the others. The first and major reason I picked this card was because of the great 0% APR offer until December 2014. I could easily pay off big purchases I had to make before I would be charged any interest. The second factor for this card is that is has no annual fee. I hate paying annual fees for a credit card, especially when I do not use them, to me it feels like I am just burning money. The Capital One Platinum Prestige card is great for these reasons, I highly recommend it.
    August 26, 2013
    Photo of Cory G.
    By: Cory Grant
    BankAmericard Visa Card was my first credit card and something they foisted on me when opening my checkout with BOFA ages ago. At first it was a great card, I had to use it for some college expenses and the 0 APR rate for the time period was great. They sure hiked up the credit limit to excessive amounts. If you carry a balance on this one the interest rates are out of this world, way higher than my future BOFA and capital one cards. I would not recommend this card to anyone unless you are planning to pay your balance in full every month, and are diligent about the fine print and on time payments. The high limit makes it great for emergencies though but otherwise I'd look for fixed interest rates and a better overall deal.
    August 7, 2013
    Photo of William R.
    By: William Reyes
    When it comes to different credit cards, the Blue Cash Everyday® Card from American Express is best card I have ever used. Before I had this card I heard good things about American Express customer service, but once I was a customer I confirmed it. The level of service is extraordinary, they even extend your warranty on products like electronics, and offer zero liability for fraudulent transactions. The representatives I have talked to were very friendly, and professional, and that is why I keep using this card.
    July 18, 2013
    Photo of Gayle D.
    By: Gayle Dunshee
    I use the Chase Freedom Visa as my primary credit card. I don't use it much, but it has come in handy at times. I decided to go with the Chase Freedom card because my husband and I were already banking with Chase, and we had good experiences with their customer service. The rewards system was also the most appealing of the cards we were looking at. So far I've gotten multiple gift cards to various online stores, and my husband got a griddle from them. I always pay off my balance at the end of the month, and it seems to have been beneficial to our credit. I haven't had any problems that haven't been cleared up. We had one instance of someone using our card, and Chase cleared it all up quickly, and at no cost to us, since it was pretty apparent that we weren't the ones using the card. Overall, it's a pretty great card.
    July 18, 2013
    Photo of Bryan T.
    By: Bryan Thomas
    The Chase Freedom Visa Card has treated me really well. The reason I choose this card is the zero percent interest rate obviously. But the customer service has been good the one time I had to use it. Chase's website is also easy to use, and it's easy to get to the payment area. They have a points reward system, and unlike other companies they don't use a third party site to host your tally. Your number of points is right next to other information like credit available, etc. Overall it's a great card, and Visa is taken pretty much everywhere so no worries about not being able to pay.
    July 8, 2013
    Photo of Robert S.
    By: Robert Salovin
    I've had my 0% APR interest card for a little under a year now (Have it for 2 years) through Capital one and it has been amazing. Even when I had problems, it was a simple phone call to get the charges cleared up. Five minute wait on the phone, super-friendly and knowledgeable customer service staff, couldn't ask for much more. I haven't been involved in the world of credit for very long, but I can tell you that Capital One is now my credit company of choice for years to come.
    July 1, 2013
    Photo of Michelle F.
    By: Michelle Fields
    While there's no such thing as a true 0% interest rate card (they all go up eventually!), I always look for the cards that give me the longest time at 0%. I also make sure to check the terms to see if they're going to hit me with any up-front transfer fees when I use the 0% interest rate. This goes not only when signing up for a new card, but also when using balance transfers or convenience checks offered by that same card down the line. The other thing to watch out for is what happens if/when you don't pay off your balance before the 0% offer runs out. What's the interest rate when that happens, and do they charge it only from that point on, or do they back-date it all the way to the time when you took advantage of the 0% offer (yes, some shady cards do this!). So just make sure to read those T&Cs carefully before signing up for any card or offer.
    July 1, 2013
    Photo of Betty H.
    By: Betty Holmes
    The Chase Freedom Visa Credit Card is awesome! I recently moved across country and this card definitely saved me! I got it a couple of months ago and hadn't used it for much, but it's definitely earning it's worth right now. I already got my cash back bonus since I racked up so many expenses moving. Even though there isn't going to be any interest for another couple of months, it was nice to know that if something came up, I wouldn't worry. I've already paid it off, thankfully. When the zero interest period is up, my rate is still very fair!
    July 1, 2013
    Photo of Madelene K.
    By: Madelene G. Koelle
    I had heard about the Amex Blue Cash Everyday card from a couple of friends. I like that there was no annual fee, and an 0% APR meant that I would be saving money in the long run because of a low interest rate if I even had an unpaid bill. I also really liked the rewards - they weren't the best. Some cards had 2% on everything, but they were in categories I liked, rather than my old card which was at specific retailers that I never shopped at. With an Amex and a Visa in my pocket, I can pretty much go anywhere.
    June 17, 2013
    Photo of Robb H.
    By: Robb Halbrook
    I wasn't sure what card I wanted to get at first but since I am a member of Chase bank I was offered the Chase Freedom Visa a few times and finally decided it was the best for me. Overall the rates are fair, and no annual fee is a huge plus! I also love getting the $100 initial bonus, and really enjoy the whole idea of cash back, it is kind of fun and every little bit helps!
    June 17, 2013
    Photo of Jordan W.
    By: Jordan Webb
    I chose to have a 0% APR credit card because I think that the first step to saving money while using a credit card is to have a small interest rate. 0% APR cards are forgiving on your credit, or at least they have been during my experiences with my Union Bank Maximum Rewards Platinum Edition. Overall, it is a fiscally responsible financial decision.
    June 17, 2013
    Photo of William R.
    By: William Reyes
    I first considered getting a credit card from my bank, U.S. Bank, after I realized that not only I could help my credit by doing so, but also the convenience of having one. I signed up for a US Bank Visa Platinum Credit Card with my bilingual representative because it was very convenient for me to pay for things in advance, and not worrying about paying my balance until the end of the month (0% APR by the way, with the same excellent customer service that I always get). Having that kind of freedom allows me to pay for my necessities and also some luxuries once in a while. It is also very nice for me that I can access my credit card balance in the same page where I have my savings and checking accounts, and pay it from one of those as well. I would definitely recommend everyone to get a US Bank Visa Platinum Credit Card as it really is hassle free and easy to use.
    June 3, 2013
    Photo of Jacoby G.
    By: Jacoby Greene
    A little over a year ago now, I signed up for the American Express Blue Cash Preferred card. I chose this particular mainly because I already had another American Express card and was just blown away by the helpful of their customer service when it came to resolving the few issues that I ran into. The rewards provided along with the Blue Cash Preferred card were also major draws for me, mainly the up to 6% return for everyday grocery shopping. Overall, this card has made like just that much more enjoyable; I completely recommend it to anyone on the market for a rewards card.