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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AchieveCard Visa® Prepaid Card

Get paid faster than a paper check

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

READYdebit® Visa Mint Control Prepaid Card

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

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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 Prepaid Card

Instant Account Number - A Great Card for your Money.

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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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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.

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 Interest Rate Credit Cards In The News

Americans Paid $104 Billion In Credit Card Interest

That is up 11% from the prior year, 35% over the last five years and shows no signs of slowing. Debt will only become more expensive as the Federal Reserve continues to increase interest rates. Most c...

Published:  Thu, 16 Aug 2018 11:24:00 GMT



Discover Surpasses American Express in Credit Card Customer Satisfaction

low introductory interest rate, or low on-going fees. Most of these cards also have reasonable rewards programs and additional card perks. Low Interest Credit Cards 0% Intro Rate Credit Cards Balance ...

Published:  Fri, 17 Aug 2018 09:07:00 GMT



How balance-transfer credit cards can save money and help pay off debt sooner

What if you use the American Express EveryDay, which requires no balance transfer fee and ... 1 to 3 percent or around $25 - your credit card issuer will put it toward your balance with the lowest int...

Published:  Sat, 18 Aug 2018 08:18:00 GMT



When You Don't Have A Credit Card Grace Period

When you make a balance transfer, you are effectively paying off one credit card with another, usually to get a better interest rate and take advantage of an introductory 0% APR period. It's unlikely ...

Published:  Fri, 17 Aug 2018 19:06:00 GMT



What really matters with your first credit card

Getting your first credit card ... Look for a card that will reward you for the spending you're already doing to avoid overspending to land a sign-up bonus. Keep in mind that cards with rewards tend t...

Published:  Sat, 18 Aug 2018 09:57:00 GMT



Florida charges to No. 2 in credit use

Despite cutting the cord on some traditional expenses - such as dropping telephone land lines by 17 percent in a year - Floridians are replacing them with other spending and ringing up credit card deb...

Published:  Fri, 17 Aug 2018 19:03:00 GMT



3 Credit Cards With Zero Percent Interest Rates - and Why They're a Big Deal

Paying off credit card debt is a common New Year's resolution, but you might want to get started on it right now. Multiple credit cards currently feature a zero percent introductory annual percentage ...

Published:  Mon, 11 Dec 2017 16:00:00 GMT



Should I use my savings to pay off credit card debt

... considered "good debt" at a relatively low interest rate. But credit card debt is another story. Average interest on credit cards is around 15%. Meanwhile, savings accounts typically pay around 0. ...

Published:  Thu, 15 Feb 2018 09:42:00 GMT




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