Best Reviews TopConsumerReviews.com Best Zero Introductory APR Credit Cards Best Reviews
Best Reviews
      February 21, 2020

Home  >  Zero Introductory APR Credit Cards

Your Information Is Secure
Credit Cards: The Lowdown Newsletter

Latest Reviews

Catholic Dating Sites

Cheesecake Clubs

Credit Monitoring

Custom T Shirts

Handbags

Patent Applications

Piano Lessons

Popcorn Clubs

Tea Clubs

Transcription Services

 

2020

Zero Introductory APR Credit Card Reviews

What are the best Zero Introductory APR Credit Cards? Moving your credit card balance over to a card with 0 Intro APR can save you a ton of money right away. There's no need to keep paying 25% in interest if you can get a card that gives you a 0% interest rate for 12-18 months. Just be aware that you'll probably need a decent credit score (such as 700 or higher) to qualify.

The Best Zero Introductory APR Credit Cards

Do you typically carry a balance month-to-month on your credit card, rather than paying the balance in full? If so, you know how quickly costs add up when you're paying high interest rates. If you've got good credit - think 700 and higher - you can save a lot of money with a 0 Intro APR Credit Card.

 

No Transfer Fee or No Interest Charges?

When you're considering credit cards, be aware that there's a difference between cards that don't charge you interest for a certain introductory period (usually a year to 18 months), and cards that don't charge you any fees on whatever balances you transfer.

Fortunately, many credit cards combine those two perks. In other words, you'll pay no interest on the amount you transfer over from a high-interest credit card, and you won't be charged any fees.

Be sure to read the fine print on the credit cards that catch your attention. For example, you may find a card that offers 0% Intro APR for the first year and a half you have the card, but you'll pay a 3% balance transfer fee on anything you move to that card. That can still save you a good chunk of change when compared with paying more than 20% in interest on your old card, but it's still a fee.

 

Credit Cards with Extra Perks and Rewards

Many of the credit cards with no interest fees for the introductory period offer additional benefits that can save you money by putting cash back in your pocket. Depending on the card you choose, you could get 2% cash back on every purchase, 5% back on certain spending categories like restaurants and gasoline, and so on.

While most of these cards don't charge an annual fee, some of them tack on the added benefit of having no foreign transaction fees: a great perk for people who travel overseas for business or leisure.

Another benefit offered by some credit card issuers is complimentary damage protection if you use the card to pay your monthly cell phone bill. There's typically a cap of $600, and you may need to pay a small deductible.

Finally, be sure to look for sign-up bonuses. Yes, it's a pretty big bonus to go from a higher interest rate to no interest, but credit card companies know you have a lot of options. So, sometimes they'll sweeten the deal by giving you extra cash back/rewards if you spend a certain amount in new purchases (not balance transfers) within a designated timeframe. For instance, you might get $150 if you make new purchases totaling at least $500 in the first three months you have the card.

 

Deciding on the Best 0 Intro APR Card

As you look over all of your options, here are some reminders for what to consider when choosing the best 0 Intro APR Card for you:

  • Fees. If you're going to transfer a balance, will you have to pay a certain amount or percentage? Is there an annual fee for using the card?
  • Intro APR Period. How long will you enjoy a 0% interest rate?
  • Extra Benefits. How rewarding does the credit card company make it to use their card? How much could you get in cash/rewards for using the card on your everyday purchases?

The Best Zero Introductory APR Credit Cards

TopConsumerReviews.com has partnered with Lending Tree to help you find the best 0 Intro APR credit cards currently available. We hope this information will give you the insights you need to choose the card that will save you a lot in interest - and may even give you some extra spending money too!

 

The best Capital One credit cards for travel rewards, cash back, intro APR offers, and more

No matter what kind of credit card you're looking for, Capital One likely has an option to suit your needs.

Published:  Wed, 19 Feb 2020 12:29:00 GMT



Here's the Average American's Credit Card Debt -- and How Much It Costs Them

The average American consumer now has $6,194 in credit card debt, according to Experian. This is up from $6,040 in 2018. As of November 2019, the average credit card APR was 14.87%, according to ...

Published:  Mon, 17 Feb 2020 03:00:00 GMT



Pay down your debt with no late fees ever on the Citi Simplicity credit card

The Citi Simplicity credit card doesn't earn any rewards, but it does come with a lengthy 21-month introductory interest rate on balance transfers.

Published:  Fri, 14 Feb 2020 07:39:00 GMT



Capital One Quicksilver Cash Rewards Credit Card

Capital One Quicksilver Cash Rewards Credit Card Review Capital One's Quicksilver Cash Rewards credit card offers a straightforward cash rewards system that focuses on getting you more cash back. It's ...

Published:  Fri, 14 Feb 2020 12:51:00 GMT



Bloomingdale's Credit Card Review: Save up to $250 with this store credit card

CNBC Select breaks down the rewards, benefits and fees associated with the Bloomingdale's Credit Card and the Bloomingdale's Amex to help you decide whether one of these store credit cards is right ...

Published:  Wed, 19 Feb 2020 15:32:00 GMT



What Is a Good APR for a Credit Card?

is one of the most important considerations. This annualized interest rate determines how much more money you owe in the event of a balance carried after the grace period ends (typically, one month ...

Published:  Fri, 14 Feb 2020 13:32:00 GMT



Why You Should Never Make Just The Minimum Payment On A Credit Card

Although minimum monthly payments for credit cards can make that balance appear manageable, the consequences of only paying the bare minimum can leave consumers chained to an anchor of debt for years.

Published:  Sun, 16 Feb 2020 04:44:00 GMT



Can you pay taxes with a credit card-and should you?

CNBC Select looks into whether you can and should pay taxes with a credit card. While there may be benefits like rewards, there are also drawbacks of using a credit card to pay your tax bill.

Published:  Wed, 19 Feb 2020 19:37:00 GMT



The best cash-back credit cards in 2020

Among the dizzying array of rewards credit cards, cash-back credit cards stand out for their simplicity. The rewards you generate for making purchases on a cash-back credit card don't need to be ...

Published:  Fri, 07 Feb 2020 09:14:00 GMT



Why the ABOC Platinum Rewards Card Is 2020's Best Card for Fair Credit

That's a nice upfront sum that can help defray a travel expense. A lengthy interest-free window. If you need to pay down debt or finance a large purchase, the ABOC Platinum Rewards Mastercard® Credit ...

Published:  Fri, 14 Feb 2020 14:20:00 GMT



Share Us!   

Home      About Us      Terms & Conditions      Privacy Policy      Contact Us      Disclosure