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0 Apr Credit Cards
0% APR credit cards are a great option to start with if you wish to save money. They can give you a plenty of financial freedom. The APR - annual percentage rate is the interest rate you pay while carrying over a balance, transferring a balance from another card or taking a cash advance. It states an interest rate as an annual rate.
There can be several APRs for a single credit card: One APR for cash advances another for purchases and balance transfers. The APRs for purchases is often lower than the APRs for cash advances and balance transfers. (For instance, 14% for purchases, 19% for balance transfers and 18% for cash advances). After the intro period expires, a different rate will apply. If you are late making payments, the APR may increase and the penalty rate will apply.
Credit card companies offering 0% APR credit card enable their clients to carry out purchases without charging them interest, which can last for a definite period of time. Usually, it is the introductory rate for the new customers, often for 6 months to a year. After the intro period, a normal APR will come into effect.
Here are some of the recommended 0% APR Credit Cards:
- Citi® Platinum Select® Card
$0 Liability on an Unauthorized Purchases; No Annual Fee; 0% intro APR on Balance Transfers and Purchases for Up To 12 Months; Citi Identity Theft Solutions; Free, Secure Online Account Management; 0$ annual fee; 8, 49% regular APR.
- Chase Platinum Visa® Card
Online Account Access free of charge; No Annual Fee; Worldwide Travel Accident Insurance and Free Travel Services; Up To 12 Months 0% Introductory APR on Balance Transfers and Purchases; Time Period for the Balances and the Intro APR Are Based on The Review of Your Credit History and Application; 10.99% regular APR;
This card is one of the most favorite and popular $0 APR cards available.
- 0.0% Introductory APR on All Balance Transfer for 6 months; Balance Transfers free of charge; Best Credit Card Rate in the Country; Fixed Low Rate; 6.50% fixed regular APR; $35 annual fee.
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