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TD FlexPay
TD FlexPay
- 18.74% to 28.74% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 18.74% to 28.74% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The TD FlexPay credit card is a balance transfer card with a difference. Beyond a lengthy intro APR on transfers, cardholders have the peace of mind that they can schedule which billing cycle in the future to skip a monthly payment each year with no penalty.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Get TD Bank's best balance transfer offer
- Skip a Payment once a year with no penalty
- No annual fee
- No foreign transaction fees
- Visa Platinum credit card benefits and protections
- Regular Purchase APR: 18.74% to 28.74% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% Introductory APR for the first 18 billing cycles
- Balance Transfer APR: 18.74% to 28.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Intro fee of either $5 or 3% of the amount of each transfer, whichever is greater, on transfers made within the first 18 billing cycles after Account opening referenced in the offer above After that: Either $5 or 5% of the amount of each transfer, whichever is greater.
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater.
- Late Payment Penalty Fee: Up to $40, first late payment fee refunded every 12 billing cycles.
- Return Payment Penalty Fee: Up to $39
- Minimum Deposit Required: N/A
- You want a balance transfer credit card that works around your needs
- You can be forgetful and want a card that understands nobody is perfect
- You plan to use the card for foreign trips or vacations
- You don't want to pay an annual fee
BMO Harris Bank Platinum Mastercard Credit Card
BMO Harris Bank Platinum Mastercard Credit Card
- 17.74% to 25.74% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 17.74% to 25.74% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 31.74% variable based on the Prime Rate Cash Advance APR
- 0% for 15 months from account opening date Intro Purchase APR
At a Glance
With a 0% introductory APR on purchases for 15 months from account opening date and no annual fee, the BMO Harris Bank Platinum Mastercard® Credit Card is a great choice for someone who has good-to-excellent credit. In addition, you can take advantage of a generous introductory APR on balance transfers as well as the flexibility to make payments with your smartphone, manage your account online, and more.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 0% introductory APR on purchases for 15 months from account opening date
- Make purchases with your smartphone using Apple Pay®, Google Pay™ and Samsung Pay™
- Mastercard cardholders get access to one-of-a-kind experiences in cities across the globe, hotel upgrades and other perks with Priceless® Cities
- Use your card at millions of locations worldwide, wherever Mastercard® credit cards are accepted
- Intro Purchase APR: 0% for 15 months from account opening date
- Regular Purchase APR: 17.74% to 25.74% 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: 17.74% to 25.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: EIther $10 or 4% of the amount of each transfer, whichever is greater
- Cash Advance APR: 31.74% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: Up to $39
- You do not want to pay an annual fee
- You'll make a balance transfer within 90 days from date of credit card account opening
- You want a card that will waive interest rates on purchases for the first six months
GM Business Card™
GM Business Card™
- 18.99% to 28.99% variable purchase APR based on creditworthiness. Rates as of 6/1/2023 Regular Purchase APR
- 29.99% Cash Advance APR
- 0% for 12 months Intro Purchase APR
At a Glance
The GM Business Card is an auto credit card from Marcus from Goldman Sachs whose earnings can only be applied towards the purchase or lease of a GM vehicle from a dealership. Earn up to 5% with bonus categories for GM purchases, gas, dining, and office supplies.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Get the business card that rewards small business owners with special benefits. Redeem Earnings toward an eligible, new Chevrolet, Buick, GMC or Cadillac
- Get $750 in Bonus Earnings towards the purchase or lease of an eligible, new GM vehicle after you spend $5,000 on purchases in your first 5 months
- 5% in Earnings on eligible GM dealership parts, accessories or service purchases
- 3% in Earnings on purchases at gas stations, restaurants and office supply stores, and 1% on all other purchases
- No annual fee, no foreign transaction fees or cash advance fees. Late fees may apply
- 0% Intro APR on purchases for the first 12 months, variable of 18.99% to 28.99% APR after
- 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. Subject to credit approval
- Intro Purchase APR: 0% for 12 months
- Regular Purchase APR: 18.99% to 28.99% variable purchase APR based on creditworthiness. Rates as of 6/1/2023
- Cash Advance APR: 29.99%
- Cash Advance Transaction Fee: $0
- Annual Fee: $0
- Foreign Transaction Fee: $0
- Late Payment Penalty Fee: Up to $40
- You're looking to expand your current business fleet
- You have a business association membership to ABC, AGC, or NAHB of America
- You will need company cards for your employees
- You're already enrolled in My GM Rewards
- You will spend $5,000 within the first 5 months of being a cardmember
Bank of the West Platinum Mastercard®
Bank of the West Platinum Mastercard®
- 19.74% to 27.74% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 19.74% to 27.74% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.74% variable based on creditworthiness and the Prime Rate Cash Advance APR
At a Glance
The Bank of the West Platinum Mastercard® offers cardholders no annual fees and a 0% introductory APR for the first 21 months, followed by a BT APR generally lower than other comparable cards – depending on both creditworthiness and the Prime Rate. The card is a solid choice for those who regularly carry a balance on their account.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Features lower interest rates than other similar cards
- No annual fee
- Ideal for carrying a balance
- 0% intro APR for the first 21 months for Balance Transfers
- Regular Purchase APR: 19.74% to 27.74% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for the first 21 months
- Balance Transfer APR: 19.74% to 27.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.74% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
- 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
- You have excellent credit and want a lower-than-average APR
- You regularly carry a balance
- You're looking for a card with online account management
- You live in a state eligible for Bank of the West credit cards
U First Visa® Credit Card
U First Visa® Credit Card
- 10.74% to 18.00% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 8.74% to 18.00% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 10.74% to 18.00% variable based on creditworthiness and the Prime Rate Cash Advance APR
- 0% for 6 months from account opening date Intro Purchase APR
At a Glance
The U First Visa® Credit Card is a no-frills, low-interest credit card that’s ideal for folks who are looking to save money with a generous introductory APR and a low purchase APR thereafter. Issued by United Federal Credit Union, the U First Visa is aptly named since it makes the needs of the consumer – namely, saving money – a top priority.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- No cash advance fee
- No foreign transaction fees
- 0% introductory APR on purchases for 6 months from account opening
- Low, competitive interest rates
- Intro Purchase APR: 0% for 6 months from account opening date
- Regular Purchase APR: 10.74% to 18.00% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 6 months depending on creditworthiness
- Balance Transfer APR: 8.74% to 18.00% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 10.74% to 18.00% variable based on creditworthiness and the Prime Rate
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $35
- You prefer a credit card without annual fees or balance transfer fees
- You will take advantage of an introductory interest rate to make large purchases
- You want a credit card with a low, competitive regular interest rate
- You have existing balances they you wish to transfer in order to save money on interest charges
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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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