Zero Interest Credit Card Advice
Whether you need breathing room to chip away at debt or want to pay off a large purchase over time, zero-interest credit cards can be a big help.
Here's everything you need to know to make them work for you.
- Introduction to 0% APR Credit Cards
- After the 0% APR Period
APR is your card’s interest rate, and it will cost you if you carry a balance.
A lower APR is better and a good credit score will help you qualify for better APRs
Here’s how to maximize the benefits of a 0% intro APR credit card.
Before signing up for a 0 percent APR card, check out these little-known facts.
Find out the pros and cons of a 0 percent intro APR credit card.
Learn about what key factors to consider before choosing a 0 percent APR credit card.
A grace period is an interest-free period on your card balance.
A higher interest rate will kick in once your promotional APR ends.
It’s not bad to carry a balance on a zero percent intro APR card during the promotion
Learn more about why you may end up paying interest on a zero percent APR card.
Call your card issuer if you want a lower interest rate, and be ready to negotiate
Cards that offer 0 percent intro APR can be excellent tools.
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The Latest on Zero Interest Credit Cards
The Citi Simplicity is worth considering if you have a debt balance to pay off.
You can negotiate with your creditors to settle your debt by paying a lump-sum amount that’s less than what you owe. Here’s how.
Keep personal and business spending separate with a business credit card.
The Citi Diamond Preferred has one of the longest intro APR offers on the market.
The Wells Fargo Reflect card has a number of perks, including no annual fee intro APR offers.
Both cards offer rewards for small-business owners along with some travel perks.
The Chase Slate Edge is a great choice, including an intro APR offer.
The BankAmericard comes with a few notable features for new borrowers, including no annual fee and an introductory APR.