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0% Credit Card
Offers & Apply
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MasterCard®, Discover®, and American Express®.
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Highlight: Apply online now for this low APR credit
card and get a 0% Intro APR on Purchases and Balance Transfers. |
Highlight: 0% APR for 12 months on purchases
and balance transfers, no annual fee and free enrollment in the
Flexible Rewards program. |
Highlight: Get a 0% Intro APR*, no annual fee and a Full 5% Cashback Bonus® on gas and auto maintenance purchases*. |
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Highlight: This credit card offers a
0% Intro APR for up to 15 months, plus a 4.99% Fixed APR for balance transfers.
Must have superior credit. |
Highlight: Get a 0% Intro APR* on Purchases and
Balance Transfers for 12 months. Plus, receive 12,000 Bonus
Miles*. |
Highlight: This
rewards credit card offers a 0% APR on purchases &
balance transfers, plus 1% cashback on all purchases. |
Recent 0%
APR Credit Card Articles
0% Credit
Card Offers: Relief from Rising Interest Rates
If you haven’t
checked your credit card statement lately, you should. Why?
Because just about every time the Prime Rate increases, the
interest rate you pay on a variable rate credit card rises
accordingly. Over the past two years, the prime rate has
skyrocketed to 8.00%, up 100% from January 2004, when this
benchmark rate was a mere 4.00%. That means many credit cards
that once charged rates around 10% are now charging close to 14%
or more. Fortunately, credit card issuers have continued to offer
0% interest rates on balance transfers and purchases. For many,
these 0% APR credit card offers represent the best way to cut down on mounting
interest charges.
Just about every credit
card issued by Discover and Chase offers a 0% interest rate on
purchases and balance transfers for up to 1 year. Similarly,
many American Express credit cards offer 0% interest rates for 6
to as many as 15 months, depending on your credit.
So, knowing
what’s on the market, the question becomes: just how much can I
save with a 0% APR credit card offer? While the precise value will
differ from person to person, the basic answer is quite simple: a
lot. For example, a $5,000 0% balance transfer can save a person
with a 14% interest rate close to $800 over the course of one
year. That’s no small change. If you don’t need a 0% balance
transfer, but want flexibility in paying back your balance, a 0%
APR on purchases will also provide great savings. For example,
using a 0% credit card on just a $1000 of new purchases would
still save you over $100 in interest expenses over the course of a
year.
Smart credit
card usage can save you hundreds, if not thousands of dollars a
year in interest. With current credit card rates moving higher
and higher, a 0% credit card is more of an asset today than it was
just a few years ago. Remember, however, that not all 0% offers
are the same. Be sure to read the fine print. And enjoy the
money you will save.
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