Compare 0% APR Credit Cards - No Interest Cards

What are 0% APR credit cards, How does the 0% offer work, What are some pros and cons, What are 0% APR credit cards, Do you want a card that can save you some major cash on finance charges, Use a balance transfer to consolidate all of your credit card debt onto one low-rate card or to spread out your payments on a large purchase.

Browse and compare our extensive list of 0% APR credit cards to find one that suits your needs. How does the 0% offer work, These cards offer a zero interest rate introductory period that can range from six to 18 months, occasionally longer. What are some pros and cons, In addition to the 0% APR introductory period, some cards offer rewards like cash back or airline miles.

But on the downside, it's typically more difficult to qualify for one of these cards. These cards are typically designed for and offered to those with good to excellent credit. If your credit is in poor standing, you may have trouble qualifying. Keep in mind that the introductory period offered with these cards is a temporary promotional period. Once the period is up, the rate resets to a standard APR, and you could potentially be charged a significantly higher interest rate on your balance. It's best to pay off your balance in full before the promotional period is up.

In addition, it's important to compare 0% APR cards thoroughly. Some of the best cards offer a long introductory period, a low post-intro rate, and no annual fee. The listings that appear on this page are from companies from which this website receives compensation, which may impact how, where and in what order products appear.

This table does not include all companies or all available products. Bankrate does not endorse or recommend any companies. Earn unlimited 1% cash back on all other purchases - automatically. Intro Offer: Discover will match all the cash back earned at the end of your first year, automatically. Redeem cash back any amount, any time. Receive Free Social Security number alerts—Discover will monitor thousands of risky websites when you sign up.

Filling out a 0% interest credit card application is a wonderful way to save money. It most especially makes sense if the 0% APR is also good on balance transfers. Of course, whenever you see a zero percent offer you must realize that it is an introductory rate. Credit card companies are not in the habit of lending money for free.

The introductory rate for most charge card offers lasts between 6 to 12 months, although I have seen some that are good for 15 months. The Advanta Platinum business card comes to mind. The reason that most people seek a zero percent card is that they are trying to consolidate debt on one or more credit cards that they are currently paying high interest rates on.

It's the smart the thing to do. If this is your motivation then please take the time to look over the terms of service and payment policy outlined by the bank or issuer. In some cases the 0% interest credit card application will stipulate that the offer is only good for new purchases and not credit card balance transfers.

If you are planning on making a sizable purchase and would like some time to pay it off then this type of deal is an excellent option to consider. As long as you pay off the entire amount in full before the introductory period lapses, well then you just had the benefit of a free loan.

Pretty smart way to go. You must have a solid credit history to qualify for theses types of cards. If you do have a good credit rating then there are no shortages of offers to choose from. All of the major credit card issuers offer 0 APR deals. No matter if you prefer Visa, Mastercard, American Express or Discover Card, they all have many charge cards that come with zero interest rates.

You will want to pay attention to fees charged. If the issuer wants to charge you an annual fee then just move on to the next one. There is no way you should have to pay annual fees on a credit card, unless it is accompanied by some other extraordinary benefits and rewards. The vast majority do not. Be sure that the 0% interest credit card application that fits your financial needs does not have any hidden terms or conditions that may prove expensive down the road.

Let's face it: the last thing we need is credit card debt and sometimes our intentions to pay our balances in full each month are made in vain. Low interest cards are a worthwhile alternative to no annual fee credit cards, which require squeaky clean credit histories to qualify for at times. However, one card issuer's notion of 'low interest' may not leave you scrambling to fill out an application. Annual Fee - Many low APR credit cards don't charge an annual fee, such as the Advanta Life of Balance Platinum Card.

Think of it as dually saving money: on interest and fees. Fixed Interest Rate - Cards like the Pulaski Bank Gold Visa offer fixed interest rates of less than 10%, which is a great rate if you don't always pay your balance fully each month. Cash Rewards - It isn't always the case that low interest rate credit cards provide great cash-back rewards schemes.

The Advanta Life of Balance Platinum Card offers cardholders 6% cash rebates on specified purchases. Introductory Offers - We all like receiving special rates and promotions, such as the Pulaski Bank Gold Visa's no interest on balance transfers for 6 months. There is an immeasurable number of credit cards available to businesses and consumers alike, some with great bonuses, some with none. Low interest rates are a perfect credit card pick for those who wish to save on interest each month.

You have probably thought that the card seems like a great deal. Although, truth is, there is a lot more to %0 APR Credit Cards. This is not to say they are bad. These cards can be great, if the right one is chosen, and used properly. A 0% APR Credit Card, in shorter words, allows one to borrow money, with no interest.