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0% APR Credit Cards
Updated: April 28th, 2012 by Timothy James -- In this section we'll show you how to choose the most suitable 0% APR Credit Card for your personal circumstances and also tell you what the best card offers are for the current week. Read the guide then compare the cards! Alternatively, if you want search for other card types, you can do that here.
Read The Guide...
This guide
will give
you
important
information
you should
know before
applying;
such as:
0%
APR Credit Cards - What are they
& how do they
work?
This
type
of
card
gives
you an
initial period
where you pay 0%
interest on new
purchases. The
initial
(introductory)
period varies,
depending on the
card issuer and
can range
anywhere from 3
months to as
much as 21
months.
At the end of
the introductory
period, your
interest rate
reverts back to
the normal rate
and you then pay
interest on any
outstanding
balance you have
on the card when
your statement
comes through at
the end of the
month.
As a
result,
you
must
always
be
very
sure
to
check
what
the
APR
will
be
after
the
initial
period
is
up,
because it can
sometimes be
huge! (after
they have
cunningly lured
you in with that
primary offer)
How this card
type can save
you money...
0% credit cards
are very
beneficial if
you have any
large'
purchases on the
horizon for
which you will
need to borrow
money. For
example, if you
are looking to
redecorate or
renovate your
home, go on
vacation, buy a
used car, even insure
a new car, then
you would
benefit from a
0% interest
rate.
The reason why
is that it will
be FAR cheaper
to borrow the
money in this
way than it
would using
other methods,
such as short
term personal
loans or
re-mortgaging.
In fact, in most
cases this is NO
COST borrowing
(as long as
there are no
annual credit
card fees).
BUT and it's a
big 'but', in
order for this
to be no cost,
you must make
sure you make
your monthly
payments on
time, pay off
the debt by the
time the initial
period is up,
and AVOID using
the card for day
to day spending.
In other words,
use this type of
card for
planned
purchases only!
Don't confuse
this card type
with 0% APR
balance transfer
cards.
0% APR credit
cards should be
used for new
debt only, as
that is where
their advantage
lies. If you
want to slash
the on-going
cost of existing
credit card debt
then you should
look at our
balance
transfer credit
cards section.
We'll explain
why there.
Play your
own game with
the credit card
companies!
Here's a clever
trick change
credit cards
just before the
initial 0% APR
period is up.
More
specifically,
shift any debt
you have on your
0% card to a
brand new 0%
balance transfer
card.
As 0% balance
transfer cards
have time
periods (up to
21 months or
more) where you
don't pay
interest on the
debt that you
have
transferred, you
get an extended
period of paying
no interest on
the balance that
you built up on
your 0% APR
credit card.
The best 0% APR Credit Card offers for the current week...
Whilst
other
finance
websites
usually
vast
huge
numbers
of
available
credit
card
offers
on a
single
page,
in
our
view,
all
that
does
is
create
confusion
(and
a
lot
of
research
work)
for
you,
the
consumer.
We've
done
all
that
work
for
you.
The
top
three
cards
in
our
opinion
are
each
marked
with
5
stars.
Remember,
credit
card
companies
change
their
offers
all
the
time
and
the
below
information
is
correct
at
the
time
of
writing.
Be
sure
to
double
check
the
terms
of
the
offer
on
the
provider's
website
before
completing
an
application.
Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months
0% Intro APR for 15 months on purchases and balance transfers
5% Cash Back on up to $1,500 spent at grocery stores and movie theaters from 4/1/12 - 6/30/12
You'll enjoy new 5% categories every 3 months like gas stations, restaurants and even airlines. It's free and easy to activate your bonus each quarter!
0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.
24/7 access to personalized concierge service providing assistance in booking hotel, flights, concert tickets and much more
Special access for Citi cardmembers to purchase presale tickets, preferred seating, VIP packages, and other unforgettable live entertainment experiences through Citi Private Pass®.
$0 liability on unauthorized purchases and Citi® Identity Theft Solutions
$100 cash back after $500 in purchases within the first 3 months of account opening
0% Intro APR on Balance Transfers and Purchases for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness*. This APR will vary with the market based on the Prime Rate.
Earn 5% cash back at The Home Depot and on Home Furnishing and Home & Garden purchases from 4/1/12 to 6/30/12 when you enroll.
Enroll each quarter for new categories that earn additional cash back. To learn more, visit dividend.quarterlyoffer.citi.com.
Full 1% cash back on all other purchases and eligible cash advances
$100 in gift cards - When you redeem the 10,000 bonus ThankYou® Points received after you make $650 in purchases and sign up for paperless statements within the first 3 months
0% intro APR for 12 months on balance transfers and for 7 months on purchases. After that, 12.99% - 22.99% variable
5 points for every $1 spent at restaurants and on books, movies and music. 1 point for every $1 you spend on all other purchases
APR reduction on purchases when using credit wisely
No Annual Fee
Regular APR
Annual Fee
Balance transfers
Credit Needed
12.99% - 22.99%* (Variable)
$0*
3% of each balance transfer; $5 minimum
Excellent
#9 -
Blue Cash EverydaySM Card from American Express
Up to 25,000 bonus points - 10,000 bonus points after your first purchase, plus an additional 15,000 bonus points after you spend $5,000 in the first 3 months!
5X points per dollar on the first $25,000 spent annually at office supply stores, and on cellular phone, landline, internet, and cable TV services
2X points per dollar on the first $25,000 spent annually at gas stations and for hotel accommodations when purchased directly with the hotel
1 point per dollar on all other card purchases with no limit on the amount you can earn
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insurance using our guides, tools & comparison engines!
We have organized the website to make it as easy as
possible to identify cards, loans, mortgages and
insurance that you
will find most beneficial. However, we cannot guarantee
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companies make decisions based upon personal
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and varies constantly.
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financial decisions that are most suitable for their own
circumstances. The information found present on this
website is designed to help you choose financial products amd does not constitute financial advice.
Be very sure to read the terms and conditions before applying for
any financial offer.
