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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

2018

Zero Interest Rate Credit Card Reviews

5 stars
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.
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3 stars

AchieveCard Visa® Prepaid Card

Get paid faster than a paper check
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3 stars

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

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3 stars

READYdebit® Visa Mint Control Prepaid Card

$0 Monthly Fee Pay As You Go Plan (See Cardholder Agreement on site)
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3 stars

READYdebit® Visa Latte Control Prepaid Card

$0 Monthly Fee Pay As You Go Plan (See Cardholder Agreement on site)
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2 stars

READYdebit® Visa Prepaid Card

Instant Account Number - A Great Card for your Money.
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2 stars

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.

 

The Best Low-Interest Credit Cards in March

depending on how creditworthy you're deemed to be -- in large part via your credit score. Also, some low-interest rate cards feature the lowest rate of all -- 0%! -- but that zero rate will only be temporary. A good zero-interest card will maintain that ...

Published:  Mon, 18 Jun 2018 07:28:00 GMT



Best 0% Credit Cards

If you've a big purchase to make, it's a good alternative to a loan as the interest rate beats the best buys up to around £5,000 - just make sure you budget to pay it off by the end of the 48 months. The Tesco Low APR credit card offers 0% on spending ...

Published:  Tue, 19 Jun 2018 13:16:00 GMT



Susan Tompor: Why Fed rate hike can drive you to pay down credit cards

As a result, the interest rate consumers pay on credit card debt typically ... While rates on variable rate credit cards have gone up, credit card issuers are still offering 0 percent rates for a limited time, such as a 18 months or 21 months, that can ...

Published:  Mon, 18 Jun 2018 16:33:00 GMT



How you can get a credit card interest rate drop

SHOPPERS can slash their credit card interest rates if they sign up to the newest ... period of three to six months and depending on the offer available have a rate ranging from zero per cent to 3.99 per cent, which would apply to the eligible purchase ...

Published:  Mon, 14 May 2018 11:00:00 GMT



Beware deferred interest credit cards -- they're not 0% interest

no interest Deferred-interest credit cards are often offered by places selling ... On the other hand a no-interest promotional period or 0% interest card has an interest rate that changes. For the promotional window of time the interest is 0%.

Published:  Mon, 19 Jun 2017 17:35:00 GMT



What Is a Variable Interest Rate, and What Does It Mean for Your Credit Card Debt

If the variable interest rate's underlying index increases, the rate will increase. Conversely, if the index decreases, the rate will go down. Since there are typically no fees directly involved with borrowing money on a credit card, the terms "interest ...

Published:  Wed, 09 Aug 2017 21:13:00 GMT



Credit cards for bad credit

If you've had the interest rate you pay on an existing credit card ... If not, you can lose any promotional offer (eg, a 0% rate) and the credit card provider will report your missed payment to the credit reference agencies. You'll also be hit with a ...

Published:  Tue, 19 Jun 2018 07:58:00 GMT



Interest rates on credit cards, vehicle loans rise 0.32% to 1.16% in Qatar last year: QCB

69 basis points), Qatar Central Bank said in its 8th Financial Stability Review. Interest rates on credit cards and vehicle loans in Qatar have gone up in the range of 0.32% to 1.16% (32-116 basis points) in 2016, a QCB report has shown. In line with the ...

Published:  Mon, 04 Sep 2017 05:23:00 GMT



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