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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 (some of the cards listed below originate from CardHub advertising partners). 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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    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 spend $500 on 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 October 1 – December 31, 2014 at Amazon.com, Zappos.com and select department 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

     
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    Blue Cash Preferred® from American Express

    blue cash preferred 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 $150
    BASE EARN 1%
    MAX EARN 6%
    • Get $150 back after you spend $1,000 on purchases on your new Card in your first 3 months. You will receive $150 back in the form of a statement credit.
    • Hassle-free cash back: no enrollment required, the same great reward categories year-round.
    • Earn Cash Back: 6% US supermarkets up to $6,000 per year in purchases, 3% 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.
    • Terms and restrictions apply.

     
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    3.5

    Capital One® VentureOne® Rewards Credit Card

    capital one ventureone rewards credit card
    • 0% PURCHASES until September 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 $1,000 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 and there’s no limit to how many you can earn

     
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    3.5

    Capital One® Platinum Prestige Credit Card

    capital one platinum prestige credit card
    • 0% PURCHASES until December 2015
    • 0% TRANSFERS until December 2015 ;   Fee.....3%
    • REGULAR RATE 10.9% - 18.9% (V)
    ANNUAL FEE None
    REWARDS None
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    3.5

    Citi® Double Cash Card

    citi cashreturns mastercard
    • 0% PURCHASES 15 months
    • 0% TRANSFERS 15 months ;   Fee.....3% (min $5)
    • REGULAR RATE 12.99% - 22.99% (V)
    ANNUAL FEE $0*
    REWARDS Cash Back
    BONUS None
    BASE EARN 1%
    MAX EARN 2%
    • The only card that earns you cash back TWICE on every purchase with:
    • 1% cash back when you buy
    • Plus 1% cash back as you pay for those purchases, whether you pay in full or over time*
    • No Category Restrictions, No Caps, No Enrollments in Rotating Categories

     
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    3.5

    Capital One® Quicksilver® Cash Rewards Credit Card

    capital one quicksilver cash rewards credit card
    • 0% PURCHASES until June 2015
    • 0% TRANSFERS until June 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.
    • Cash back doesn't expire and there’s no limit to how much you can earn

     
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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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    Blue Cash Everyday® Card from 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 $100
    BASE EARN 1%
    MAX EARN 3%
    • Get $100 back after you spend $1,000 on purchases on your new Card in your first 3 months. You will receive $100 back in the form of a statement credit.
    • Hassle-free cash back: no enrollment required, the same great reward categories year-round.
    • Earn Cash Back: 3% 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.
    • Terms and restrictions apply.

     
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    3.5

    Barclaycard Arrival™ World MasterCard®

    barclaycard arrival world mastercard credit card with no annual fee
    • 0% PURCHASES 12 months
    • 0% TRANSFERS 12 months ;   Fee.....3%
    • REGULAR RATE 14.99% - 18.99% (V)
    ANNUAL FEE None
    REWARDS Miles
    BASE EARN 1 mile/$1
    MAX EARN 2 miles/$1
    • Earn 20,000 bonus miles when you spend $1,000 on purchases in the first 90 days — that’s enough to redeem for a $200 travel statement credit.
    • Earn 2X miles on travel and dining and 1X miles on all other purchases.
    • Miles don't expire as long as your account is open, active and in good standing.
    • Book the travel you want — airfare, hotels, cruises and more and earn miles on your purchase.
    • Get 10% miles back to use toward your next redemption every time you redeem for travel statement credits.

     
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    Citi Simplicity® Card

    citi simplicity credit card
    • 0% PURCHASES 18 months
    • 0% TRANSFERS 18 months ;   Fee.....3% (min $5)
    • REGULAR RATE 12.99% - 22.99% (V)
    ANNUAL FEE $0*
    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 PapadimitriouZero 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 KiernanNo, 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 PapadimitriouBanks 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 PapadimitriouBelieve 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.)

     
    October 1, 2014
    Photo of Jill M.
    By: Jill McCurley
    I would benefit tremendously from a card with a 0% APR. One of the scariest things to me about having a credit card is the extra cost when interest is added. Improving my credit by paying off bigger purchases faster would be a win-win situation for me. I think I will definitely take this into consideration when choosing my card.
    September 27, 2014
    Photo of Kelly M.
    By: Kelly Mok
    I have never seen a credit card with 0% APR before so I have never used one. Mine are typically around 20% or so. I do think it would be a useful feature in a credit card. The APR determines how much interest you are going to pay for your credit card so if you have 0% APR then I’m assuming you would pay no interest. That would be a cool feature. I would be able to charge purchases on my credit card without being charged interest on them. Who wouldn't want that?
    September 12, 2014
    Photo of Bill S.
    By: Bill Swanson
    I think that 0% APR credit cards are wonderful. I've opened credit card accounts in the past before so that I could finance a larger purchase or to transfer a balance from another card. It takes a lot of stress off my mind knowing that I have 12 or 18 months to pay off my debt without having to pay any interest or fees on my balance. You just have to be careful not to miss any payments and usually you have sure to pay off the entire balance before the 0% APR interest period ends, otherwise they might hit you with fees and interest depending on the details of more
    August 15, 2014
    Photo of Phillip C.
    By: Phillip Cahill
    I can't even imagine how nice it would be to have a credit card with 0% APR. I have a pretty steep credit card debt right now, and if I had a plan like this, man oh man would it be useful. I think it would especially be useful for people who are just learning how to use a credit card, perhaps with a very low limit on the card. That way if someone gets in over their head, they have time to realize it and get out. It sounds great!
    August 5, 2014
    Photo of Don P.
    By: Don Pie
    I definitely think that a credit card with a 0% APR would be very useful. It would allow the user to have greater flexibility with their card and the opportunity to fine tune their spending habits. Others would disagree with me. However, it's all in how you use the card. If you are irresponsible than 0% APR could wind up hurting you instead. But isn't that the case with all credit cards? A 0% APR card is simply another tool to either help or hurt yourself financially.
    August 2, 2014
    Photo of Taylor S.
    By: Taylor Steeves
    I've never really heard of a credit card with 0% apr. To me it seems like its just a debit card that switches to a credit card after the time has elapsed. It seems like a great idea to get customers applying for cards so that they have a grace period and then they will have to be switched to some sort of interest payment. Its a great idea to have 0% for a the time being but in the end it will simply be a debit card and then will be switched to the traditional interest charges of a credit card.
    July 20, 2014
    Photo of Cindi H.
    By: Cindi Hounton
    We are currently using 0 percent Bank of America credit card. I think that you have to be careful with zero percent cards because the trial period will be over before you know it and then can you pay the full balance? We are currently using the zero percent card to buy some extra inventory for my husband's business now that the economy is good and we will pay it off before the trial period is up. I think that zero percent cards can be a very smart move if you have a plan to pay it off.
    July 4, 2014
    Photo of Crystal W.
    By: Crystal Wright
    I have used 0% apr credit cards in the past and it is useful as long as you pay it off before the interest starts. I have used it to buy an item and pay off the balance by the time the introductory period was up, and I have also used it to transfer balances from higher interest rate cards. As long as you are responsible about it, it can be financially wise and useful.
    June 28, 2014
    Photo of Jason S.
    By: Jason Scanlon
    I had a 0% APR credit card, and you can get quite used to not getting charged the APR, It can lull you into a false sense of security, and you might find yourself making purchases that you might not normally purchase. You may have to watch yourself, as your credit can still suffer and your cards maxed out in no time.
    June 14, 2014
    Photo of Jay M.
    By: Jay Melo
    I have used 0% interest card from different companies several times over the years. The 0% feature is great for paying down debt from another card. Do a balance transfer from the high interest card and then put all your available funds toward paying off the debt while not paying any interest for a 12 month period. You do need to check the balance transfer fees and how much the interest will be when the promotion is over before you decide to go with a new card.
    June 5, 2014
    Photo of Christian A.
    By: Christian Avina
    I haven't used 0% APR cards in my lifetime, but I believe that they can be very useful. The best reason to use one is that in the case of an emergency, these cards can be used with ease of mind. No interest means that the debt you get yourself into can be paid without the hassle of having to spend more money than you borrowed to pay it back.
    May 23, 2014
    Photo of Chad K.
    By: Chad Kiah
    I have used more than one card for a 0% APR. I think these cards can be beneficial to the consumer for a number of reasons, but one of which is to make a large purchase where you don't want to tie up your own capital. Typically these cards come with a balance transfer with the same terms. I utilized the US Airways Mastercard balance transfer to pay off another card and I received miles to do so. I was given 12 months to pay off the balance with no interest. It seemed like a no brainer and I'm certainly glad I made the decision to do so.
    May 13, 2014
    Photo of Tracy B.
    By: Tracy Bright
    The amount of time I would have the 0% APR is, in my opinion, just as important as having the 0% APR itself. I need it to be at least 12 months to really count. Also, a lot of companies will raise that APR at the end of that initial period to an unseemly amount. Ideally, I would like to be able to have a long term business relationship with my credit company. So, I need a fair amount of convincing to even consider jumping ship.
    May 9, 2014
    Photo of Jessica T.
    By: Jessica Trivalia
    I got a GE Capital credit card that had a 0% interest for the first two years. It was for a furniture purchase of over $3000. I paid off the card in 10 months so I still have another 14 months at 0% interest. In that time frame my lowest interest credit card would have charged me around $250 in interest. This was a huge savings for me and helped me keep an available balance on my other credit cards if I need them in an emergency. It has no annual fee but there are no perks or points gained when using the card so I am probably not going more
    April 30, 2014
    Photo of AJ C.
    By: AJ Cox
    0% APR cards are a great way of being able to make a large purchase without taking out a loan. As long as there is no introductory fee and no annual fee, and the introductory period lasts long enough for you to pay off the loan, you can build your credit for the length of the introductory period while making an expensive purchase. It also lets you have a security blanket. You can make the large purchase on credit and in case of a complete disaster (like a car accident or something) you still have the on hand cash to ensure your financial safety. As long as you can pay more
    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 F.
    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 W.
    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 more
    March 12, 2014
    Photo of Justin P.
    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 more
    February 19, 2014
    Photo of Clay H.
    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 more
    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 P.
    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 more
    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 more
    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!
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