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      February 21, 2018

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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

Visit Site 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.
  • No CreditCheck to Get a Card. No ChexSystems Check. No Existing Bank Account Required.
  • $0 Activation fee†. No Minimum Balance. No risk of Overdraft fees.
  • $15 Bonus§ with qualifying Direct Deposit. Never pay to cash your paychecks and get your pay faster.
  • Use it Everywhere Visa Debit Cards are Accepted and Pay Anyone with PayAnyone Bill Pay. Shop Online, Rent a Car, Pay Your Rent and More.
  • Easy Mobile Account Access and Text Alerts. Get Your Account Balance, Transaction Details Sent to Your Phone within Seconds
  • BBB Accredited A+ Company. Excellent Customer Service.
TopConsumerReviews.com Best-In-Class Blue Ribbon Award

Most Attractive Features:
  • No credit check, minimum balance, free direct deposit.
Least Attractive Features:
  • Fees and usage limits.

Visit Site

3 stars

Visit Site AchieveCard Visa® Prepaid Card

  • Get paid faster than a paper check
  • Quick and easy sign up
  • No minimum balance
  • Online banking and SMS alerts
  • Shop online, pay bills, and make everyday purchases
  • Send paper checks with Online Bill Pay - we print & mail them for free!
  • Exclusive AchieveRewards Loyalty Program

Visit Site

3 stars

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

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3 stars

Visit Site READYdebit® Visa Mint Control Prepaid Card

  • $0 Monthly Fee Pay As You Go Plan (See Cardholder Agreement on site)
  • Free† Direct Deposit
  • No Credit Check or ChexSystems Checks
  • No Risk of Overdraft Fees
  • No Bounced Checks - Ever!
  • Easy Cash Reloading at 50,000 + Retail Locations
  • Send Checks with Easy Online Bill Pay

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3 stars

Visit Site READYdebit® Visa Latte Control Prepaid Card

  • $0 Monthly Fee Pay As You Go Plan (See Cardholder Agreement on site)
  • No Credit Check or ChexSystems Checks
  • No Risk of Overdraft Fees
  • No Bounced Checks - Ever!
  • Free† Direct Deposit
  • Easy Cash Reloading at 50,000 + Retail Locations
  • Send Checks with Easy Online Bill Pay

Visit Site

2 stars

Visit Site READYdebit® Visa Prepaid Card

  • Instant Account Number - A Great Card for your Money.
  • Free† Direct Deposit — Paycheck, Benefit Checks, Tax Refund Checks
  • Easy Online Bill Payment & Mobile Account Access
  • No Purchase Transaction Fees
  • No Risk of Overdraft Fees or Balance Minimums
  • Withdraw Cash at ATMs or Get Cash Back with Purchases
  • Use it Everywhere Visa Debit Cards are Accepted
  • Choose Your Card Color - Blue or Pink

Most Attractive Features:
  • No credit check
Least Attractive Features:
  • Fees and usage limits

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2 stars

Visit Site Horizon Gold Credit Card

  • Guaranteed Approval
  • Bad Credit Accepted
  • No Employment Check
  • Reports to a Major Bureau

The Horizon Gold Card is a completely unsecured credit card that does NOT require a credit check or an initial security deposit to get you started! You can use your Horizon Gold Card at , an online superstore with all your favorite goods and brand names.

There is absolutely no credit check required to get your Horizon Gold Card. All you need is a debit or credit card open in your name, proof of identification, and a valid US street address! Once all these things are verified, you'll be approved! Everyone is approved for the Horizon Gold Card so bad credit and no credit consumers are welcome.

You'll receive a Horizon Gold Card with a $500 unsecured credit limit. This Horizon Gold Card is NOT a credit card in the traditional sense; it is only good at ! This is a great way to get the stuff you need, without having to go through embarrassing credit checks or putting down costly security deposits.

The Horizon Gold Card has a 0.0% interest rate for ALL of your purchases. There is a minimum monthly payment due, but you WON'T accrue interest on any balance you carry from month to month. Plus, all Horizon Card Services members are automatically enrolled in our monthly membership benefit plan.

The monthly membership benefit plan includes a $500 unsecured Horizon Gold card, access to My Privacy Protection, My Universal RX, My Roadside Protect and My Legal Assistance benefits. If you have bad or imperfect or insufficient credit, but still have the need to shop online (and who doesn't) then check out the unsecured Horizon Gold Card!

Most Attractive Features:
  • 0% APR on purchases; 100% approval.
Least Attractive Features:
  • Membership fee.

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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.

 

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