0 % Credit Card Offers

Issuers of credit cards with 0% introductory rates as a marketing push for the next few years. These offers may be interest-free for purchases, balance transfers or use both. A few years ago, my wife and I used 0% balance transfer offers from debt. We stopped to transfer the balance to another card repaid our debts without interest. It happens that we are not alone. All offers balance transfer is not equal. Some cards offer 0% introductory rate for a longer period than others. And in rare cases, you will receive a card for a balance transfer fee-based services. For this purpose, in this article we will see five of the best deals today. Note that the interest rate and other terms, effective April 25, 2015. These conditions can and will change regularly, so be sure to determine the conditions for check card company's website first credit.

You’ll earn a flat 1% cash back on non-bonus categories. The introductory APR is longer than most for balance transfers: 0% on purchases for 6 months and 0% on balance transfers for 18 months, and then the ongoing APR of 11.24% — 23.24% Variable. There are plenty of extras: free FICO scores, warranty protection, and a Freeze It℠ on/off switch that lets you prevent new transactions on your account if you misplace your card.

You’ll pay no foreign-transaction fees, a rarity among low-interest or 0% APR credit cards. The card comes with a 3% balance-transfer fee, which will take a bite out of your interest savings during the introductory period. The 0% APR period on purchases is relatively short, compared with that for transfers. Once that period is up, you’ll pay interest right away on everything you buy, unless you pay your balance in full. Discover isn’t as widely accepted as MasterCard and Visa, so this is probably not a good bet if you like to carry only one card.

The Discover it- 18 Month Balance Transfer Offer has generous rewards. And we like the looks of that lengthy 0% APR period for transfers. But this card requires cardholders to pay attention to the end of the promotional 0% APR period on purchases, as well as the rotating bonus categories. If you don’t mind keeping close tabs on your credit card and spending, this card is a great deal.

0. The ongoing APR is 6.25% Variable . 5 one-time donation to the ALS Foundation. For debts that will stretch beyond even the most generous introductory 0% APR, the Lake Michigan Credit Union Prime Platinum Visa’s ongoing low interest rate is an attractive one. There is no 0% APR period, which means you’ll pay interest on balance transfers and new purchases from day one.

The card offers no rewards and requires excellent credit. You must be a member of the Lake Michigan Credit Union to get the card. Even though membership requirements are very flexible, even for people outside Michigan, that’s an extra hoop to jump through before you can apply for the card.

The Lake Michigan Credit Union Prime Platinum Visa has an unusually low interest rate, so it’s a real contender if you expect to carry a credit card balance for the foreseeable future and you want to save on interest. You may be able to find a similar deal at a credit union in your area, but this rate is low even by credit union standards.

The credit card business is one of the most competitive industries there is. You can tell that because you no doubt get dozens of invitations for new credit cards every week. That is because the only way a credit card company can continue to grow new business is to steal the business away from another credit card company. It isn’t really a business where there are a lot of new customers coming into the market.

The types of accounts the credit card companies want are people who are carrying a lot of debt, who continue to pay on the debt but never pay it off and who have no history of defaulting on their loans. If that describes you, then you are on the A list for a potential customer for a credit card company. If you have a lot of credit card debt, it really isn’t that flattering that other credit card companies want your business.

Even more infuriating is when a credit card company who already has you in debt sends you offers for still more credit cards. But there may be a glimmer of light in this tough situation. You might be able to leverage you’re “A list” position with the credit world to find a way to manage your credit card debt more successfully.