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Citi® Diamond Preferred® Card
- Regular Purchase APR 16.74% - 26.74% (Variable)
- Balance Transfer APR 16.74% - 26.74% (Variable)
- Cash Advance APR 28.24% (Variable)
- Annual Fee $0
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Intro Purchase APR 0% for 12 months on Purchases
- Processing Network Mastercard
Best Benefits
- 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 16.74% - 26.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
- Get free access to your FICO® Score online.
- With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
Rates & Fees
- Intro Purchase APR: 0% for 12 months on Purchases
- Regular Purchase APR: 16.74% - 26.74% (Variable)
- Intro Balance Transfer APR: 0% for 21 months on Balance Transfers
- Balance Transfer APR: 16.74% - 26.74% (Variable)
- Balance Transfer Transaction Fee: 5% of each balance transfer; $5 minimum.
- Cash Advance APR: 28.24% (Variable)
- Cash Advance Transaction Fee: 5% of each cash advance; $10 minimum
- Penalty APR: Up to 29.99% (Variable)
- Annual Fee: $0
- Foreign Transaction Fee: 3%
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
Credit Card Deals
Receive a 5% rebate on your search advertising campaign on the Microsoft Advertising Network
Microsoft
Offer Expires on 12/31/2023
See Details
Get creative with a digital colouring book by artist Jenny Haslimeier
Jenny Haslimeier
Offer Expires on 09/30/2022
See Details
Embark on an adventure in the caves and craters around Mount Etna
Go-Etna
Offer Expires on 01/24/2031
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Join today!Citi Custom Cash℠ Card
- Regular Purchase APR 16.99% - 26.99% (Variable)
- Balance Transfer APR 16.99% - 26.99% (Variable)
- Cash Advance APR 28.24% (Variable)
- Annual Fee $0
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Intro Purchase APR 0% for 15 months on Purchases
- Processing Network Mastercard
Best Benefits
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 16.99% - 26.99%, based on your creditworthiness.
- Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
- No rotating bonus categories to sign up for - as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
- No Annual Fee
- Citi will only issue one Citi Custom Cash℠ Card account per person.
Rates & Fees
- Intro Purchase APR: 0% for 15 months on Purchases
- Regular Purchase APR: 16.99% - 26.99% (Variable)
- Intro Balance Transfer APR: 0% for 15 months on Balance Transfers
- Balance Transfer APR: 16.99% - 26.99% (Variable)
- Balance Transfer Transaction Fee: 5% of each balance transfer; $5 minimum.
- Cash Advance APR: 28.24% (Variable)
- Cash Advance Transaction Fee: 5% of each cash advance; $10 minimum
- Penalty APR: Up to 29.99% (Variable)
- Annual Fee: $0
- Foreign Transaction Fee: 3%
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
Credit Card Deals
Receive a 5% rebate on your search advertising campaign on the Microsoft Advertising Network
Microsoft
Offer Expires on 12/31/2023
See Details
Get creative with a digital colouring book by artist Jenny Haslimeier
Jenny Haslimeier
Offer Expires on 09/30/2022
See Details
Embark on an adventure in the caves and craters around Mount Etna
Go-Etna
Offer Expires on 01/24/2031
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Join today!Citi Simplicity® Card
- Regular Purchase APR 17.74% - 27.74% (Variable)
- Balance Transfer APR 17.74% - 27.74% (Variable)
- Cash Advance APR 28.24% (Variable)
- Annual Fee $0
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Intro Purchase APR 0% for 12 months on Purchases
- Processing Network Mastercard
Best Benefits
- No Late Fees, No Penalty Rate, and No Annual Fee... Ever
- 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 17.74% - 27.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater.
- Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges
Rates & Fees
- Intro Purchase APR: 0% for 12 months on Purchases
- Regular Purchase APR: 17.74% - 27.74% (Variable)
- Intro Balance Transfer APR: 0% for 21 months on Balance Transfers
- Balance Transfer APR: 17.74% - 27.74% (Variable)
- Balance Transfer Transaction Fee: 5% of each balance transfer; $5 minimum.
- Cash Advance APR: 28.24% (Variable)
- Cash Advance Transaction Fee: 5% of each cash advance; $10 minimum
- Annual Fee: $0
- Foreign Transaction Fee: 3%
- Late Payment Penalty Fee: No Late Fee
- Return Payment Penalty Fee: Up to $41
Credit Card Deals
Receive a 5% rebate on your search advertising campaign on the Microsoft Advertising Network
Microsoft
Offer Expires on 12/31/2023
See Details
Get creative with a digital colouring book by artist Jenny Haslimeier
Jenny Haslimeier
Offer Expires on 09/30/2022
See Details
Embark on an adventure in the caves and craters around Mount Etna
Go-Etna
Offer Expires on 01/24/2031
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Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.
Join today!BankAmericard® Credit Card
- Regular Purchase APR 15.24% to 25.42% variable based on creditworthiness and Prime Rate
- Balance Transfer APR 15.24% to 25.42% variable based on creditworthiness and Prime Rate
- Cash Advance APR 18.24% to 28.24% variable based on the Prime Rate
- Annual Fee None
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Intro Purchase APR 0% for 18 months from account opening date
- Processing Network Mastercard
Best Benefits
- No interest charges on purchases and balance transfers for the first 18 months from the date of account opening
- No penalty APR for late payments
- No annual fee
- Access your FICO® Score for free
Rates & Fees
- Intro Purchase APR: 0% for 18 months from account opening date
- Regular Purchase APR: 15.24% to 25.42% variable based on creditworthiness and Prime Rate
- Intro Balance Transfer APR: 0% for 18 months for any balance transfers made within 60 days from account opening date
- Balance Transfer APR: 15.24% to 25.42% variable based on creditworthiness and Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 18.24% to 28.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $29
Credit Card Deals
Receive a 5% rebate on your search advertising campaign on the Microsoft Advertising Network
Microsoft
Offer Expires on 12/31/2023
See Details
Get creative with a digital colouring book by artist Jenny Haslimeier
Jenny Haslimeier
Offer Expires on 09/30/2022
See Details
Embark on an adventure in the caves and craters around Mount Etna
Go-Etna
Offer Expires on 01/24/2031
See Details
Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.
Join today!U.S. Bank Visa® Platinum Card
- Regular Purchase APR 17.49% to 27.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 17.49% to 27.49% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 28.99% variable based on the Prime Rate
- Annual Fee None
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent
- Intro Purchase APR 0% for 20 months from account opening date
- Processing Network Visa
Best Benefits
- Get a 0% introductory APR on purchases and balance transfers for 20 billing cycles
- Receive coverage when pay your monthly cellular bill with your U.S. Bank Visa® Platinum Card
- Detects and notifies you of any unusual card activity to help prevent fraud
- Get your TransUnion® Credit Score at no cost
Rates & Fees
- Intro Purchase APR: 0% for 20 months from account opening date
- Regular Purchase APR: 17.49% to 27.49% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 20 months on balances transferred within 60 days from account opening
- Balance Transfer APR: 17.49% to 27.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 28.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Annual Fee: None
- Foreign Transaction Fee: 2% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
Credit Card Deals
Reserve a qualifying Norwegian Cruise Line voyage and receive up to a $500 onboard spending credit
Norwegian Cruise Line
Offer Expires on 12/30/2022
See Details
20% Off Suites + Premium Benefits in New York City
Casa Cipriani
Offer Expires on 12/30/2022
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Save $50 of orders $350 or more at Citizen Watch
Citizen Watch
Offer Expires on 12/31/2022
See Details
Every 4th Night Free + Premium Benefits in New York City
Mr C. Seaport
Offer Expires on 12/31/2022
See Details
Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.
Join today!Citizens Bank Clear Value® Mastercard®
- Regular Purchase APR 16.24%, 20.24%, or 24.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 16.24%, 20.24%, or 24.24% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 27.24% variable based on the Prime Rate
- Annual Fee None
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Good
- Processing Network Mastercard
Best Benefits
- Introductory 0% APR on balance transfers for 18 months from account opening date
- No annual fee
- Travel accident and baggage delay insurance included
- Digital wallet compatibility for in-store and in-app touchless purchases
Rates & Fees
- Regular Purchase APR: 16.24%, 20.24%, or 24.24% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 18 months from date of account opening date
- Balance Transfer APR: 16.24%, 20.24%, or 24.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 27.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or up to 3% of the amount of each cash advance, whichever is greater
- Penalty APR: Up to 29.99%
- Foreign Transaction Fee: Either $1.50 or 3% of the U.S. dollar amount of each transaction, whichever is greater
- Late Payment Penalty Fee: Up to $40
Credit Card Deals
Receive a 5% rebate on your search advertising campaign on the Microsoft Advertising Network
Microsoft
Offer Expires on 12/31/2023
See Details
Get creative with a digital colouring book by artist Jenny Haslimeier
Jenny Haslimeier
Offer Expires on 09/30/2022
See Details
Embark on an adventure in the caves and craters around Mount Etna
Go-Etna
Offer Expires on 01/24/2031
See Details
Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.
Join today!GM Business Card™
- Regular Purchase APR 16.24%-26.24% variable purchase APR based on creditworthiness. Rates as of 8/1/2022
- Cash Advance APR 29.24%
- Annual Fee $0
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Intro Purchase APR 0% for 12 months
- Processing Network Mastercard
Best Benefits
- Get the business card that turns purchases into Earnings. Redeem Earnings towards a new GM vehicle and no annual fee.*
- Get $750 in Bonus Earnings towards the purchase or lease of eligible, new GM vehicles after you spend $5,000 on purchases in your first 5 months from account opening.*
- 0% Intro APR on purchases for the first 12 months, variable of 16.24% to 26.24% APR after.*
- 5% in Earnings on GM dealership parts, accessories or service purchases.*
- 3% in Earnings on purchases at gas stations, restaurants and office supply stores, and 1% on purchases everywhere else.*
- No annual fee, no foreign transaction fees or cash advance fees. Late fees may apply.*
- See if you're approved with no impact to your Credit Score. Accepting a card after your application is approved will result in a hard inquiry, which may impact your credit score.
- Terms & Limitations Apply. Click here to see *Rates and Terms and Benefit Terms. Select ‘Apply Now’ to learn more about the product features, terms, conditions and Program Rules. Subject to credit approval.
Rates & Fees
- Intro Purchase APR: 0% for 12 months
- Regular Purchase APR: 16.24%-26.24% variable purchase APR based on creditworthiness. Rates as of 8/1/2022
- Cash Advance APR: 29.24%
- Cash Advance Transaction Fee: $0
- Penalty APR: NONE
- Annual Fee: $0
- Foreign Transaction Fee: $0
- Late Payment Penalty Fee: Up to $40
Credit Card Deals
Receive a 5% rebate on your search advertising campaign on the Microsoft Advertising Network
Microsoft
Offer Expires on 12/31/2023
See Details
Get creative with a digital colouring book by artist Jenny Haslimeier
Jenny Haslimeier
Offer Expires on 09/30/2022
See Details
Embark on an adventure in the caves and craters around Mount Etna
Go-Etna
Offer Expires on 01/24/2031
See Details
Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.
Join today!Wyndham Rewards Earner® Plus Card
- Regular Purchase APR 17.99%, 22.24% or 27.24% variable based creditworthiness and the Prime Rate
- Balance Transfer APR 17.99%, 22.24% or 27.24% variable based creditworthiness and the Prime Rate
- Cash Advance APR 27.49% variable based on the Prime Rate
- Annual Fee $75
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent
- Processing Network Visa
Best Benefits
- Earn 30,000 bonus points, enough for up to 4 free nights after spending $1,000 on purchases in the first 90 days
- Earn 5X points on eligible purchases made at Hotels by Wyndham as well as on qualifying gas purchases
- Earn 2X points on eligible dining and grocery store purchases (excluding Target® and Walmart®)
- Earn 1X points on all other purchases (excluding Wyndham Vacation Club down payments)
- Automatically receive a Wyndham Rewards GOLD member level and enjoy perks like free WiFi, preferred room selection, late checkout, and more
- Redeem 10% fewer Wyndham Rewards points for go free® awards, and earn your free nights faster
- Wyndham Rewards Earner Cardmembers can save even more on our Best Available Rate for stays at participating Hotels by Wyndham
- There is no limit to the number of points you can earn
- Redeem points you've earned for online shopping, discounts on gas, local tours and activities, gift cards, and so much more
- Earn 7,500 bonus points each anniversary year if you spend $15,000 on eligible purchases—that's enough for up to one free night every year
Rates & Fees
- Regular Purchase APR: 17.99%, 22.24% or 27.24% variable based creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% introductory APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable APR will apply: 15.74%, 19.99% or 24.99%, based on your creditworthiness. There is a fee for balance transfers
- Balance Transfer APR: 17.99%, 22.24% or 27.24% variable based creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 27.49% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Annual Fee: $75
- Foreign Transaction Fee: 0% of each transaction in U.S. dollars
- Late Payment Penalty Fee: Up to $40 (the amount of the fee varies by state)
- Return Payment Penalty Fee: Up to $40 (the amount of the fee varies by state)
Credit Card Deals
Reserve a qualifying Norwegian Cruise Line voyage and receive up to a $500 onboard spending credit
Norwegian Cruise Line
Offer Expires on 12/30/2022
See Details
20% Off Suites + Premium Benefits in New York City
Casa Cipriani
Offer Expires on 12/30/2022
See Details
Save $50 of orders $350 or more at Citizen Watch
Citizen Watch
Offer Expires on 12/31/2022
See Details
Every 4th Night Free + Premium Benefits in New York City
Mr C. Seaport
Offer Expires on 12/31/2022
See Details
Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.
Join today!Truist Future Credit Card
- Regular Purchase APR 12.74% to 21.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 12.74% to 21.74% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 23.74% variable based on the Prime Rate
- Annual Fee None
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Good , Fair
- Intro Purchase APR 0% for 15 months from account opening date
- Processing Network Visa
Best Benefits
- Features the lowest APR of Truist's card offerings
- No annual fee
- Enjoy 15 months of 0% APR on purchases and balance transfers
- Contactless payments and mobile wallets for faster checkout
- Customizable card controls for extra security
Rates & Fees
- Intro Purchase APR: 0% for 15 months from account opening date
- Regular Purchase APR: 12.74% to 21.74% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 15 months on transfers made within 90 days from account opening date
- Balance Transfer APR: 12.74% to 21.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 23.74% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
- Late Payment Penalty Fee: Up to $40
Credit Card Deals
Reserve a qualifying Norwegian Cruise Line voyage and receive up to a $500 onboard spending credit
Norwegian Cruise Line
Offer Expires on 12/30/2022
See Details
20% Off Suites + Premium Benefits in New York City
Casa Cipriani
Offer Expires on 12/30/2022
See Details
Save $50 of orders $350 or more at Citizen Watch
Citizen Watch
Offer Expires on 12/31/2022
See Details
Every 4th Night Free + Premium Benefits in New York City
Mr C. Seaport
Offer Expires on 12/31/2022
See Details
Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.
Join today!Citi Rewards+® Card
- Regular Purchase APR 16.49% - 26.49% (Variable)
- Balance Transfer APR 16.49% - 26.49% (Variable)
- Cash Advance APR 28.24% variable based on the Prime Rate
- Annual Fee None
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Intro Purchase APR 0% for 15 months from account opening date
- Processing Network Mastercard
Best Benefits
- Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
- For a limited time, earn 5 ThankYou® Points per $1 spent on air travel and hotels up to $6,000 in the first 12 months and then 1 ThankYou® Points per $1 spent thereafter.
- 0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 16.49% - 26.49%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
- The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
- Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
Rates & Fees
- Intro Purchase APR: 0% for 15 months from account opening date
- Regular Purchase APR: 16.49% - 26.49% (Variable)
- Intro Balance Transfer APR: 0% for 15 months on transfers made within 4 months from account opening date
- Balance Transfer APR: 16.49% - 26.49% (Variable)
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 28.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Penalty APR: Up to 29.99% variable based on creditworthiness and the Prime Rate
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
Credit Card Deals
Receive a 5% rebate on your search advertising campaign on the Microsoft Advertising Network
Microsoft
Offer Expires on 12/31/2023
See Details
Get creative with a digital colouring book by artist Jenny Haslimeier
Jenny Haslimeier
Offer Expires on 09/30/2022
See Details
Embark on an adventure in the caves and craters around Mount Etna
Go-Etna
Offer Expires on 01/24/2031
See Details
Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.
Join today!You've viewed 10 of 130 credit cards
What Are 0% Intro APR Credit Cards?
A 0% intro APR credit card is quite simply a card that offers an introductory interest rate of 0%. This rate applies to purchases, balances transfers, or both. A card with a 0% APR is as popular as balance transfer credit cards. This is especially true when they feature a low APR once the introductory period finishes.
How Do 0% Intro APR Credit Cards Work?
Zero-percent introductory APR credit cards work by allowing the cardholder to carry a balance for a set period. These periods can vary significantly, from three months at the bottom of the range all the way up to a massive 21 months at the top end.
Cards that offer a 0% intro APR on balance transfers or purchases designed to attract those who want to pay off their existing credit card balances. This process works by combining two (or more) credit card balances into one. The cardholder can then pay down both balances with one payment.
Cards that offer smaller introductory periods are great for those with lower balances. Those with more significant balances – or those who want to finance a substantial purchase – will benefit more from a card that offers a year (or more) of introductory APR.
Are 0% Introductory APR Credit Cards Worth It?
Credit cards offering 0% interest on purchases and balance transfers can greatly benefit consumers if they’re used properly. Not having to worry about any interest for six to 18 months can help cardholders hoping to make a big-ticket purchase they can easily pay it off over time. Plus, if an emergency were to happen such as a needed auto repair or a medical emergency an interest-free credit card can ease the burden of a big bill into multiple payments.
Cardholders who have multiple credit cards with stacking up balances and spiraling interest rates can use a balance transfer card to consolidate all their debts onto a single card, which they can pay off without having to worry about interest for an extended period. They’ll have to pay a fee for each time they transfer a balance, but there’s a good chance these balance transfer fees will be less than the interest cardholders would have accrued had they tried paying off each card individually.
The benefits of 0% Introductory APR credit cards aren’t just limited to the lack of interest rate. It’s not uncommon to find a credit card offer that gives cardholders extra perks such as rewards points, cash back, or travel insurance.
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