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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.

 

'Zero balance' credit card deals under ASIC microscope

At the 2015 Senate inquiry into credit card interest rates, some banks defended zero per cent balance transfers as a sign of competition in the market. The biggest credit card lender, the Commonwealth Bank, called for the practice to be banned - though ...

Published:  Mon, 18 Sep 2017 16:43:00 GMT



Commentary: Why interest rates now matter even more than you think

It's no secret that low interest rates have been great news for stocks ... Consumer debt is shifting toward auto loans, 48-60 months, and credit cards. Notably, these types of debt are short maturity and interest rate sensitive. The chart below uses ...

Published:  Mon, 18 Sep 2017 13:17:00 GMT



5 Things to Know About Store Credit Cards

Some store credit cards sport interest rates near 30%. Another danger is if you take advantage of a store credit card's offer to let you buy something for "zero interest" if you pay it back within a certain period. That's likely to be a "deferred interest ...

Published:  Mon, 11 Sep 2017 20:54:00 GMT



Credit cards and college students: Which ones are the best

On the other hand, this card offers no interest rate grace period. It shoots right up to 24.99 percent. Age and assets are also two important criteria in picking a student credit card, Bodnar said. "By law, students who are younger than 21 have to have a ...

Published:  Sat, 16 Sep 2017 07:08:00 GMT



Something I Didn't Realize About Credit Card Interest Charges

I'd like to think I'm pretty well versed on credit cards, though one thing I've never paid much attention to is interest rates. I realize interest rates are of interest (no pun intended) to many people in the country, given how common it is for ...

Published:  Fri, 15 Sep 2017 04:03:00 GMT



Credit Cards Explained

it is vital simply for your finances today that you repay IN FULL every month to avoid the horrid interest. Some also come with 0% balance transfer or spending lengths but often the promotional rate is for far fewer months than cards for good credit scorers.

Published:  Fri, 15 Sep 2017 03:43:00 GMT



Checking Account Interest Rates

And, some offers might no longer be available on the credit card issuers' websites, depending on how you access the web page. GOBankingRates is a personal finance and consumer interest rate website owned by ConsumerTrack, Inc., an online marketing ...

Published:  Fri, 15 Sep 2017 08:50:00 GMT



10 Lies that Got You (and Keep You) in Credit Card Debt

0 APR and low interest credit cards can be like a drug dealer giving away his product for free-at first. Once you're hooked, prices go up-way up. In the case of credit cards, once the 0% APR introductory rate expires, interest rates can easily soar ...

Published:  Thu, 14 Sep 2017 01:00:00 GMT



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