Zero Interest Rate Credit Card Reviews

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

READYdebit® Visa Latte Control Prepaid Card

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

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READYdebit® Visa Mint Control Prepaid Card

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

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AchieveCard Visa® Prepaid Card

Get paid faster than a paper check

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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.

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READYdebit® Visa Prepaid Card

Instant Account Number - A Great Card for your Money.

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Zero Interest Rate Credit Cards

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.

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. 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:

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 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.

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.

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 Interest Rate Credit Cards In The News

How to save money while paying off a high-interest credit card balance

but may offer a longer zero-percent-interest time, such as 21 months with Citi Simplicity. So let's say you are carrying a $5,000 balance on a credit card with a 21 percent interest rate, and you plan ...

Published:  Sun, 09 Dec 2018 10:10:00 GMT

Give Yourself The Gift Of A $0 Credit Card Balance

With interest rates rising, credit card debt is getting more expensive ... He moves his existing balances to cards with an introductory 0% APR period, which typically lasts 12 to 18 months, and then t...

Published:  Thu, 06 Dec 2018 10:53:00 GMT

Season of Savings: Best credit cards for entertainment

Getting together with family and friends this holiday season can actually pay off, if you use the right credit cards. Three credit cards can ... You need to look at the interest rates and make sure yo...

Published:  Fri, 07 Dec 2018 10:21:00 GMT

Five Signs You're Using The Wrong Credit Card

Generally, the more bells and whistles on a credit card, the higher its interest rates and fees. If you aren't redeeming reward points or benefits, these features may not be worth the cost. You may wa...

Published:  Sun, 09 Dec 2018 18:58:00 GMT

BankAmericard® credit card

applies to balance transfers No annual fee No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.

Published:  Mon, 10 Dec 2018 03:57:00 GMT

Maximize Cash Back for the Holidays with these Credit Cards

Note: It's important to remember that interest rates, fees and terms for credit cards, loans and other financial ... of certain services to you at no charge. The website does not ...

Published:  Mon, 10 Dec 2018 00:27:00 GMT

7 credit-card hacks to save up to $1,000 over the holidays

By punching in the name of a retailer, compare the savings rates offered by different ... easily outweigh the benefits derived through credit-card rewards. If debt repayment is a concern, consider the ...

Published:  Sun, 09 Dec 2018 02:56:00 GMT

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