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Zero Percent Credit Cards

Credit Cards are wonderful financial tools if used appropriately. Without discipline they can be very expensive and stressful. If you know how to manage your money well, you can save tons of interest with a credit card. My friend bought his truck on a zero percent credit card and didn't have to pay interest at least for a full year. If I remember correctly he paid the balance in full without ever incurring interest.

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Zero Percent Credit Cards

Save Money on Gas Plus Get Zero Percent Interest

If you need to do a large balance transfer, Chase usually gives a high credit limit

The Good side of Credit Cards Credit cards can also be a life saver if you find yourself in a tight pinch - maybe you lost your job or need to purchase something critical (like gas). Or perhaps you suddenly need to repair a leaky roof, if you didn't have the cash and no credit, you'd incur further damages and costs. Many people will jump at zero percent credit card offers but they forget to read the fine print. Sometimes the zero percent card offers have really high regular APRs like around 20% or more. Now wouldn't you prefer a zero percent card for 12 months with a regular purchase APR of 11% rather than a 12 month zero percent offer with a regular APR of 22%?

Sneaky 0% APR for Life on Balance Transfers* Beware of this offer; once again if you use it correctly you'll be fine but if you don't read the fine print you'll end up paying through the nose. I have an letter from Discover Card that claims 0% APR for life. After reading the fine print I realized that in order to keep the 0% you have to make two purchases a month after the introductory period ends. Two purchases a month doesn't sound to difficult but the 0% doesn't apply to the purchases so you will be paying interest on any purchase that you make. You will not be able to pay off the purchase balance until you pay off the lower interest transfer balance. Here is an example:
You transfer $10,000 to you Discover card and make two purchases a month of $50 each to keep the 0% offer. The purchase APR is 20% and let us see how much interest you would be charged if you couldn't pay off the entire $10,000 balance in 12 months so as to be able to pay off the purchase balance. By the end of the year you would have accumulated $138.29 in interest.

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Credit Card Search Search Credit Card Reviews! Category: All Business Charge Foreign Poor Credit Pre-Paid Regular Reward - Airline Reward - Auto Reward - Cash Reward - Finance Reward - Gas Reward - Hotel Reward - Retail Reward - Sports Reward - Travel Reward - Other All Reward Cards Secured Student Status: All Standard Gold Platinum Intro APR: All 0.0% 1.9% or Less 2.9% or Less 3.9% or Less 4.9% or Less 5.9% or Less 6.9% or Less 7.9% or Less 8.9% or Less 9.9% or Less Time Period: All 3 Months or More 4 Months or More 5 Months of More 6 Months or More 7 Months or More 8 Months or More 9 Months or More Purchases Balance Transfers Cash Advances All APR (Purch): All Less Than 6% Less Than 7% Less Than 8% Less Than 9% Less Than 10% Less Than 11% Less Than 12% Less Than 13% Less Than 14% Less Than 15% Less Than 16% Less Than 17% Less Than 18% Less Than 19% Less Than 20% Less Than 21% Less Than 22% Less Than 23% Less Than 24% Less Than 25% Variable Fixed All Adjusted: All Monthly Quarterly Three Month High APR (Cash): All Less Than 6% Less Than 7% Less Than 8% Less Than 9% Less Than 10% Less Than 11% Less Than 12% Less Than 13% Less Than 14% Less Than 15% Less Than 16% Less Than 17% Less Than 18% Less Than 19% Less Than 20% Less Than 21% Less Than 22% Less Than 23% Less Than 24% Less Than 25% Variable Fixed All Adjusted: All Monthly Quarterly Three Month High Finance Configuration: Average Daily Balance Two Cycles Average Daily Balance All Annual Fee: All $0 $10 or Less $20 or Less $30 or Less $40 or Less $50 or Less $60 or Less $70 or Less $80 or Less $90 or Less $100 or Less $110 or Less $120 or Less $130 or Less $140 or Less $150 or Less Overall Rating: All 5+ Bars 4+ Bars 3+ Bars 2+ Bars 1+ Bar Benefit Rating: All 5+ Bars 4+ Bars 3+ Bars 2+ Bars 1+ Bar *Adjusted options applies to variable rate credit cards only. **Ratings are based on the CardOffers.com rating system for each credit card within the same category listed in the Credit Card Directory. It is important to note that posted ratings should not be the only factor in helping you decide which credit card is right for you, as many of the credit cards listed are not suited for all types of individuals.

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