Finally, you’ve decided to get a credit card with 0% APR rate. Now your problem is choosing one. You have to consider all the factors when choosing the best credit card with 0% APR. Below are some examples of credit cards that offer 0% introductory APR. All of these credit cards are available for online application.
• Chase Platinum Visa ® Card – offers a 0% APR for up to 12 months on purchases and balance transfers. The regular APR amounts to only 13.74% after the 12 month period. Chase offers easy access to your account, making it convenient for you especially when you are traveling. Another great feature to the Chase Platinum VISA ® Card is that it is a VISA ® and you are afforded with the all the benefits you get from VISA ®. With this card you can access cash from any ATM in over 150 countries. The Card’s VISA ® affiliation means that there are more that 20 million merchants all over the world that accept purchase with the use of a VISA® Card.
• CITI ® Platinum Select ® Card – gives you 0% APR on purchases and balance transfers for up 12 months. They have one of the lowest regular APR of only 9.74%. They require no annual fee and have a great safeguard program against Identity Theft. You are free of liability on unauthorized purchases made with this credit card. CITI ® Platinum Select ® Card allows you access to your accounts online.
• Discover ® More Card – affords its customers a unique cash back upon application. 0% APR for a minimum of 6 months. This card has a great rewards program, offering up to 20% cash back when you shop online. It has a 24 hour customer service program. Discover ® does not charge an annual fee for almost all of its cards.
• Blue from American Express – up to 15 months of 0% APR as an introductory offer. Has a Balance transfer APR of only 4.99%. They also have a great rewards system and they require no annual fee.
There are a lot of other cards in the market that offer 0% Introductory APR. Pick the right one for you.
Now, you have chosen a credit card. How can you take advantage of the 0% Intro APR? The first thing you must remember is: don’t go spending and purchasing stuff with your new credit card like crazy. Remember, you still have to pay this later and if you spend too much it will accumulate regardless of whether your paying a 0% APR or not.
If you have more than one credit card, try reserving the use of you 0% APR card for big purchases and emergencies. This way, you can rest assured that the big amount you charge to your credit card will not suffer from any APR. However, this does not mean that you have to refrain from using your 0% APR credit card, it just defeats the purpose. If for example, the month is coming to an end and you have not made any big purchases on your card; use it then and avail of the 0% APR.