TopConsumerReviews.com
      November 20, 2017

Home  >  Zero Interest Rate Credit Cards

Your Information Is Secure
Credit Cards: The Lowdown Newsletter

Latest Reviews

Baby Cribs

Credit Card Consolidation

Graduation Invitations

Gutter Guards

Hair Care Products

Installment Loans

Makeup

Reverse Mortgages

Tickets

Web Hosting

 

Related Articles

How to Compare Credit Card Companies

Important Things to Know About Credit Cards

Improving Your Credit

 

 

 

 

Get a Loan with Lending Club Today!

 

 

 

Get Out Of Debt Today With Natinoal Debt Relief!

 

 

 

Stop hair loss now with Provillus!

Disclosure: We pay our reviewers for their reviews. We are not compensated by companies for their reviews, but we are compensated for links and advertisements on our website. Click here for details.

Zero Interest Rate Credit Cards Better Business Bureau Reliability Seal

Zero interest rate credit cards work particularly well for people who want to build up their credit score and improve their credit history. You get to enjoy the use of a credit card without paying interest fees.

Charges that you make with zero interest rate credit cards typically go against a certain amount that you've already prepaid into the card. Instead of extending you credit that you have to pay back, you essentially are making withdrawals from money that you've already deposited. This gives you the convenience of major credit card purchasing power, without the risk of running up your debt.

Continue reading below reviews

2017

Zero Interest Rate Credit Card Reviews

5 stars
AccountNow® Gold Visa® Prepaid Card
TopConsumerReviews.com Best-In-Class Blue Ribbon Award

AccountNow® Gold Visa® Prepaid Card

Get Paid up to 2 days Faster with Free Direct Deposit ▼ - Get Your Paycheck or Benefits Checks in Your Card Account and Access Your Funds up to 2 days Earlier Than Payday.
Read More... Visit Site

3 stars
AchieveCard Visa® Prepaid Card

AchieveCard Visa® Prepaid Card

Get paid faster than a paper check
Read More... Visit Site

3 stars
Apply for Gettington Credit! We are different from the everyday credit card and are perfect for peop

Apply for Gettington Credit! We are different from the everyday credit card and are perfect for peop

Read More... Visit Site

3 stars
READYdebit<sup>®</sup> Visa Mint Control Prepaid Card

READYdebit® Visa Mint Control Prepaid Card

$0 Monthly Fee Pay As You Go Plan (See Cardholder Agreement on site)
Read More... Visit Site

3 stars
READYdebit<sup>®</sup> Visa Latte Control Prepaid Card

READYdebit® Visa Latte Control Prepaid Card

$0 Monthly Fee Pay As You Go Plan (See Cardholder Agreement on site)
Read More... Visit Site

2 stars
READYdebit® Visa Prepaid Card

READYdebit® Visa Prepaid Card

Instant Account Number - A Great Card for your Money.
Read More... Visit Site

2 stars
Horizon Gold Credit Card

Horizon Gold Credit Card

All Horizon Card members are guaranteed to receive the Horizon Gold Card, an unsecured credit card, with an initial $500 credit limit provided you are 18 years of age or older, a legal U.S. resident and have furnished accurate identity and application information. There is absolutely no credit check required! Everyone is approved! You'll receive an unsecured credit card with a $500 credit limit good at any Horizon outlet or Horizon online retailer. Enjoy 0% APR on all of your purchases for life! Upon final processing, your new Horizon Gold Card will be reported to a major credit bureau as an unsecured credit line. Read More... Visit Site

Continued from above

While many zero interest rate credit cards are available, there are many differences between them. Some of the factors you'll want to consider include:

  • Annual charges. What are the annual or monthly fees charged for your zero interest rate credit card?
  • Rewards programs. Some zero interest rate credit cards give you extra benefits just for using them. What benefits are offered, and will they be useful to you?
  • Penalties. Are there penalties that will be charged if you spend more than you have in your account? Some zero interest fee credit cards will charge you fees if you don't use their card for an extended period of time.

TopConsumerReviews.com has reviewed and ranked the best zero interest rate credit cards available today. We hope these reviews help you find the best credit card that meets your needs!

Understanding Zero Percent Interest Credit Cards

Free money for nothing? Not exactly but, you can have the convenience of a Visa or MasterCard in your pocket to use as needed - even when your credit score is making it hard to qualify. Zero percent credit cards are typically prepaid credit cards. Customers load the card for a fee and then utilize it without being charged interest. This is the same concept as a prepaid card and similar to a secured credit card. Many people that use zero percent interest credit cards choose these cards to get them through a difficult time.

If your credit issues are due to the recession, overspending or job loss you may be without a credit card. If so, you're not alone. Hundreds of thousands of people are enduring difficult financial times and losing access to credit cards is just one element of their problems. Credit cards not only make for fast and convenient shopping but are also required in many scenarios. Using a zero percent interest credit card is one way to get through a credit crunch. Here's how these cards work:

Approval
The process of getting approved for a zero percent interest rate card is simple. Anyone can apply and be approved for this card type. No credit checks are required and will not have a negative impact on your current credit score.

Loading
Loading your card is the process of putting a balance on the credit card for you to spend. Because the card is pre-loaded you are not charged interest for use. Loading credit should be quick and easy with any card you're considering. You'll find credit card loading stations that accept cash for those with limited resources.

Fees
Understanding the respective fees of a zero interest credit card is important. Even if you're feeling desperate it doesn't mean you have to pay outrageous fees. Shop around and look for the most affordable fees out there. You can anticipate annual fees, sometimes application, participation and activation fees as well with zero percent interest rate credit cards. Be sure and look closely at any and all potential fees on the credit card offers you're considering.

Perks
Many zero percent interest credit cards offer incentives. Some include a reward point system that allows you to cash in rewards for gift cards and merchandise. Others offer varying cash back rewards, free savings accounts, and special offers from specific stores.

Zero percent credit cards are another option for consumers that are needing easy credit card approval. There are no interest rate charges or overdraft fees with these credit cards. You simply load the balance you want to have access to, spend and use as desired. Fees can creep up with zero percent credit cards so be sure and look closely at the credit card agreement before signing.

 

When Your Credit Card APR Doesn't Matter

If you're paying a high interest rate on debt that carries over each month for ... Instead, he takes advantage of the 0% APR convenience checks his credit card issuer regularly sends him. The credit expert at RebuildRepairCredit.com has turned to these ...

Published:  Wed, 08 Nov 2017 06:29:00 GMT



How to Apply for a Credit Card -- and Which Is the Best One for You

Here are the kinds of features to look for: No annual fee. Most credit cards don't charge ... This is especially true of travel-related credit cards. Low interest rates. If there's a chance you will occasionally be carrying a balance, you should favor ...

Published:  Mon, 13 Nov 2017 14:18:00 GMT



Credit card mistakes to avoid this Christmas

If you need to spread the cost of Christmas, think about getting a 0% purchase rate credit card so that any expenses you do put on the card, can be paid off over a longer period of time without costly interest charges. #4 Hitting the ATM Using your credit ...

Published:  Sun, 19 Nov 2017 17:44:00 GMT



Pick and choose your holiday credit card promotions carefully

The Consumer Financial Protection Bureau has warned credit card companies against deceptive marketing of interest rate promotions. "A true 0 percent APR offer is much better for consumers," says Chi Chi Wu, a staff attorney at the law center.

Published:  Thu, 16 Nov 2017 11:54:00 GMT



Prepare For Interest Rate Rises And Global Debt Bubble Collapse

The tiny 0.25% rise means households on variable interest rate mortgages are expected to face about £1.8bn in additional interest payments whilst £465m more will be owed on the likes of credit cards, car loans and overdrafts. The 0.25% rise is arguably ...

Published:  Thu, 09 Nov 2017 00:00:00 GMT



Average APR on store credit cards a whopping 24.99%, study finds

"If you can't pay your balance off at the end of the month, retail credit cards aren't for you. Period. The interest rates are just too high ... If you have a balance at the end of the [introductory] 0-percent period, you won't get slapped with ...

Published:  Mon, 13 Nov 2017 19:20:00 GMT



Amazon.com Store Credit Card Review: High Rewards for Frequent Shoppers

The annual percentage rate, fees, credit ramifications and qualification ... or rewards points equal to cash value. There is no annual fee on the Amazon Prime Store Card. However, the variable interest rate for new accounts is 26.99% APR. To access ...

Published:  Fri, 10 Nov 2017 14:42:00 GMT



Best Balance Transfer Credit Cards

By transferring your credit card balance to one of these cards that offer a long 0% intro APR or a reduced APR on balance transfers, you can get plenty of time to pay off your balance with much lower interest rates - if any at all. View our list of the ...

Published:  Thu, 16 Nov 2017 03:55:00 GMT



Share Us!    Share TopConsumerReviews.com on Twitter Share TopConsumerReviews.com on LinkedIn Share TopConsumerReviews.com on Google+ Share TopConsumerReviews.com on Pinterest

Home      About Us      Terms & Conditions      Privacy Policy      Contact Us      Disclosure