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U.S. Bank Altitude® Go Visa Signature® Card
U.S. Bank Altitude® Go Visa Signature® Card
- 18.24% to 29.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 18.24% to 29.24% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
- 0% for 12 months from account opening date Intro Purchase APR
At a Glance
The U.S. Bank Altitude Go Visa Signature is an enticing rewards card geared towards those who like to eat out, fill up, or dine-in while binging their favorite shows. The card comes with a competitive selection of features – all for no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Intro Offer: Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening. That's a $200 value redeemable towards merchandise, gift cards, cash back, travel and more
- 4X points on dining, takeout, and restaurant delivery
- 2X points on streaming services. Plus, a $15 credit for annual streaming purchases like Netflix, Hulu, Spotify(R), Apple Music, Disney+, HBO Max and more
- 2X points at grocery stores, grocery delivery, gas stations, and EV charging stations
- 1X point on all other eligible purchases
- No Annual Fee
- Points never expire
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan
- Terms and conditions apply
- Intro Purchase APR: 0% for 12 months from account opening date
- Regular Purchase APR: 18.24% to 29.24% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 12 months from account opening date
- Balance Transfer APR: 18.24% to 29.24% 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: 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 $41
- Return Payment Penalty Fee: Up to $41
- You frequently use your credit card on dining purchases
- You're a cord–cutter looking to earn rewards for streaming subscriptions
- You plan on making at least $1,000 in purchases within the first 90 days of opening an account
- You do't want to pay an annual fee
- You want no foreign transaction fees when using your card abroad
Citizens Bank Everyday Points® Business Mastercard®
Citizens Bank Everyday Points® Business Mastercard®
- 13.24%, 19.24%, 22.24% or 24.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 28.49% variable based on the Prime Rate Cash Advance APR
- 0% for 7 months from account opening date Intro Purchase APR
At a Glance
The Citizens Bank Everyday Points® Business Mastercard® offers cardholders two points for every dollar they spend with their card. There is no limit to the points a cardholder can earn, and cardholders are also eligible to receive a 3.5% points bonus in the first 90 days from the date of opening an account. What’s more, this card has no annual fee. Continue reading to learn more about this credit card’s benefits.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- 2 reward points per $1 spent
- 3.5% introductory point bonus in the first 90 days
- 0% introductory APR
- Intro Purchase APR: 0% for 7 months from account opening date
- Regular Purchase APR: 13.24%, 19.24%, 22.24% or 24.24% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 28.49% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or up to 5% of the cash advance amount, whichever is greater
- Penalty APR: 27.49%
- Foreign Transaction Fee: Either $1.50 or up to 3% of the transaction amount in U.S. dollars, whichever is greater
- Late Payment Penalty Fee: $39
- Return Payment Penalty Fee: $20
- Over Limit Penalty Fee: $39
- You don’t want to pay an annual fee
- You want to earn rewards points for your purchases
- You would like to earn bonus points in the first 90 days
- You like a 0% introductory APR for 7 months
Choice Rewards World Mastercard®
Choice Rewards World Mastercard®
- 13.25% to 18.00% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 13.25% to 18.00% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 14.25% to 18.00% variable based on creditworthiness and the Prime Rate Cash Advance APR
At a Glance
The Choice Rewards World Mastercard® from First Tech Federal Credit Union offers cardholders a range of benefits. There are no annual fees and no fees on many common transactions. Additionally, cardholders can earn double rewards points on many types of purchases and 20,000-point bonus within the first 60 days of opening an account. Find out more about this card’s attractive features below.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 0% Introductory APR on balance transfers for the first 12 months
- No annual fee
- No fees on foreign transactions, cash advances, and balance transfers
- Earn 20,000 bonus points when you spend $3,000 in the first 60 days
- Regular Purchase APR: 13.25% to 18.00% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 12 months from account opening date
- Balance Transfer APR: 13.25% to 18.00% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 14.25% to 18.00% variable based on creditworthiness and the Prime Rate
- Late Payment Penalty Fee: Up to $25
- Return Payment Penalty Fee: Up to $25
- You want a credit card that offers rewards points that never expire
- You want to earn 20,000 bonus points when you spend $3,000 in the first 60 days
- You don’t want to pay an annual fee or fees on foreign transactions, balance transfers, or cash advances
- You want 0% introductory APR for balance transfers for 12 months
Wells Fargo Autograph Card
Wells Fargo Autograph Card
- 20.24%, 25.24%, or 29.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 20.24%, 25.24%, or 29.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
- 0% for 12 months Intro Purchase APR
At a Glance
Cardholders can earn up to 3X points on everyday purchases with the Wells Fargo AutographSM Card. The card, which features no annual fee and a year-long 0% intro APR period on purchases, earns 3X points on broad categories, including gas, transit, dining, streaming, and more.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- No foreign transaction fees
- Earn 3X points on dining, travel, gas, transit, streaming, and phone plans
- Earn 1X points on all other purchases
- 0% intro APR for 12 months on purchases
- Intro Purchase APR: 0% for 12 months
- Regular Purchase APR: 20.24%, 25.24%, or 29.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 20.24%, 25.24%, or 29.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 5% of the amount of the 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 advance, whichever is greater
- Late Payment Penalty Fee: Up to $40
- You already bank with Wells Fargo
- You want a lucrative credit card without rotating categories
- You don’t want to pay an annual fee
BankAmericard® Secured Credit Card
BankAmericard® Secured Credit Card
- 26.24% variable based on the Prime Rate Regular Purchase APR
- 26.24% variable based on the Prime Rate Balance Transfer APR
- 29.24% variable based on the Prime Rate Cash Advance APR
At a Glance
Designed for establishing, building, or even rebuilding one’s credit score, the BankAmericard® Secured Credit Card offers the basic tools needed to strengthen your financial standing while covering everyday purchases. With a refundable security deposit, no annual fee and a few educational resources thrown in, this card can guide you to becoming a responsible credit card user with minimal hassle.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Requires minimum $300 deposit (refundable)
- Free access to monthly updated FICO® Score
- Digital wallet compatible
- No annual fee
- Overdraft protectio
- Regular Purchase APR: 26.24% variable based on the Prime Rate
- Balance Transfer APR: 26.24% variable based on the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transactio
- Cash Advance APR: 29.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- 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
- Minimum Deposit Required: $300
- You're looking for your first credit card or need to boost your existing credit
- You have at least $300 to put toward the security deposit
- You want to learn about the impact of credit card usage on a credit score
- You need a card that won’t penalize by raising the interest rate
- You want the opportunity to get your security deposit back eventually
M&T Business Credit Card
M&T Business Credit Card
- 15.24% to 22.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 15.24% to 22.24% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 27.24% variable based on the Prime Rate Cash Advance APR
- 0% for 12 months from account opening date Intro Purchase APR
At a Glance
The M&T Business Credit Card provides an uncomplicated way to make everyday purchases without the fear of a high APR. The card features no annual fee and an introductory 0% APR on purchases and balance transfers for the first 12 months, followed by a competitive APR after that.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- 0% introductory APR for the first 12 months after opening account
- No foreign transaction fees
- Global acceptance and chip technology for added security
- Additional cards for employees at no added cost
- Intro Purchase APR: 0% for 12 months from account opening date
- Regular Purchase APR: 15.24% to 22.24% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 12 months from account opening date
- Balance Transfer APR: 15.24% to 22.24% 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: 27.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
- Penalty APR: 24.99% variable based on the Prime Rate
- Late Payment Penalty Fee: Up to $35
- Return Payment Penalty Fee: Up to $25
- You're Interested in a straightforward and hassle-free business card
- You enjoy the convenience online, and mobile account management provides
- You enjoy the convenience online, and mobile account management provides
- You want a business card with no annual fee and no foreign transaction fees
Webster Bank Platinum Card
Webster Bank Platinum Card
- 19.24% to 29.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 19.24% to 29.24% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
- 0% for 18 months from account opening date Intro Purchase APR
At a Glance
The Sterling National Bank Visa® Platinum Card provides a great rate and an extensive 0% intro APR period in one neat package. The card also benefits from no annual fee, plus a host of Visa® perks and protections.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- No interest on purchases or balance transfers for 18 months
- Sterling National Bank's lowest available APR
- Visa protections and benefits
- Intro Purchase APR: 0% for 18 months from account opening date
- Regular Purchase APR: 19.24% to 29.24% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 18 months from account opening date
- Balance Transfer APR: 19.24% to 29.24% 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: 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.
- Foreign Transaction Fee: Up to 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
- You live on Long Island or in the Greater NYC area
- You already carry a credit card balance you want to pay down significantly
- You prefer the option of financing a large purchase over 18 months instead of rewards points
- You do't want to pay an annual fee
Business Advantage Customized Cash Rewards Credit Card
Business Advantage Customized Cash Rewards Credit Card
- 18.49% to 28.49% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 18.49% to 28.49% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.49% variable based on the Prime Rate Cash Advance APR
- 0% for 9 months from account opening date Intro Purchase APR
At a Glance
The Business Advantage Cash Rewards Mastercard® is a great starter card for business owners who want customizable 3% cash back categories and a card without an annual fee. Ideal for small businesses or startups with modest expenditures.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- $300 statement credit bonus after spending $3,000 with 90 days
- 3% cash back on the category of your choice
- 2% back at restaurants
- 1% cash back on all other purchases
- Cash earnings never expire
- Intro Purchase APR: 0% for 9 months from account opening date
- Regular Purchase APR: 18.49% to 28.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 18.49% to 28.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: $10 or 4% of the amount of each transaction, whichever is greater
- Cash Advance APR: 29.49% variable based on the Prime Rate
- Cash Advance Transaction Fee: $10 or 4% of the amount of each transaction, whichever is greater.
- Foreign Transaction Fee: 3% of the U.S. dollar amount of each transactio
- Late Payment Penalty Fee: Up to $49
- Return Payment Penalty Fee: $39
- You have business expenses that are less than $50,000 per year
- You will take advantage of the introductory bonus by spending $3,000 in the first 90 days
- You want a versatile card that can also give you points for everyday (non-business) dining expenses
- You don’t want to pay an annual fee
BMO Harris Bank Platinum Rewards Mastercard®
BMO Harris Bank Platinum Rewards Mastercard®
- 21.24% to 28.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 21.24% to 28.24% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 32.49% variable based on the Prime Rate Cash Advance APR
At a Glance
The BMO Harris Bank Platinum Rewards Mastercard® credit card is a solid option for those who wish to maximize the points they earn from gas and grocery purchases. Earn 2x points per $1 spent on gas and grocery purchases and 1 point per dollar on all other purchases; you’ll also enjoy a low introductory APR on purchases, an anniversary points bonus each year, and the opportunity to earn up to 25,000 bonus points when you spend $2,000 in the first three months of opening your account.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Receive 2 points per $1 spent on eligible gas and grocery purchases, up to $2,500 in combined spend each calendar quarter; receive 1 point per $1 spent on all other purchases
- 0% 12-month introductory APR on balance transfers made within 90 days of opening an account
- Earn 25,000 bonus points when you spend $2,000 in the first 3 months of account opening
- 10% anniversary point bonus every year
- Regular Purchase APR: 21.24% to 28.24% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 12 months on transfers made within 90 days from account opening date
- Balance Transfer APR: 21.24% to 28.24% 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: 32.49% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- 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 want to receive compensation of up to 2x rewards points on gas and groceries
- You want flexibility when you redeem your rewards points
- You're looking for a card with no annual fees
- You wlike to earn up to 25,000 points in the first three months of having your new card
BMO Harris Bank Platinum Mastercard Credit Card
BMO Harris Bank Platinum Mastercard Credit Card
- 18.24% to 26.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 18.24% to 26.24% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 32.49% 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: 18.24% to 26.24% 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: 18.24% to 26.24% 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: 32.49% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- 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
You've viewed 5 of 118 credit cards
What Are 0% Intro APR Credit Cards and Why Should You Choose One?
If you’re looking for a way to save money on interest charges, 0% intro APR credit cards can be a game-changer. These cards offer an introductory period during which you won’t be charged any interest on your purchases or balance transfers.
But what exactly are 0% intro APR credit cards, and how do they work?
How Do 0% Intro APR Credit Cards Work?
Zero-percent introductory APR credit cards allow cardholders to carry a balance for a set period. These periods can vary significantly, ranging from 6 months to a maximum of 21 months.
This can be incredibly beneficial if you want to make a big purchase or transfer a balance from a higher-interest credit card. During the promotional APR period, you can pay off your balance without incurring any interest charges. However, it’s important to note that the card’s regular APR will apply once the introductory period ends. So, it’s crucial to have a plan to pay off your balance before the intro period expires.
These cards are designed to attract individuals who want to pay off their existing credit card balances. They work by consolidating two or more credit card balances into one. This allows the cardholder to make a single payment to pay down both balances.
Cards with shorter introductory periods are ideal for those with lower balances. Conversely, individuals with larger balances or those looking to finance a significant purchase will benefit more from a card that offers a year or more of introductory APR.
What Are the Longest 0% Intro APR Offers?
It’s essential to note that the length of the 0% intro APR period can vary depending on the credit card issuer and the specific card. Some cards offer shorter intro periods of six months, while others may provide a more extended period of 18 months or more.
Here are the current longest 0% introductory APR periods on credit cards from the leading banks:
Credit Card | Purchase Intro APR | Balance Transfer Intro APR |
---|---|---|
Citi Simplicity® Card | 0% for 12 months | 0% for 21 months |
BankAmericard® | 0% for 21 months | 0% for 21 months |
Chase Slate Edge | 0% for the first 18 months from account opening date | 0% for the first 18 months from account opening date |
U.S. Bank Visa® Platinum Card | 0% for 21 months from account opening date | 0% for 21 months on balances transferred within 60 days from account opening |
Wells Fargo Reflect Card | 0% for 21 months | 0% for 21 months |
Comparing Different 0% Intro APR Credit Cards
With so many 0% intro APR credit cards available, it’s essential to compare the different options to find the one that suits you best. Here are some key factors to consider when comparing different cards:
- Introductory Period: Look for a card with a longer introductory period if you need more time to pay off your balance or make your desired purchases.
- Regular APR: Compare the regular APRs of different cards to ensure you won’t be hit with high-interest charges once the intro period ends.
- Fees: Pay attention to any fees associated with the credit card, such as annual fees, balance transfer fees, or foreign transaction fees. Choose a card with minimal fees or one that aligns with your spending habits.
- Rewards Program: If you’re interested in earning rewards, compare the rewards programs offered by different card issuers, like Chase Ink or Capital One Spark. Consider the types of rewards, redemption options, and earning potential.
- Credit Score Requirements: Check the credit score requirements for each card to ensure you meet the criteria for approval. Most 0% APR credit cards require good or excellent credit scores to apply, but this may vary based on the offer.
By comparing these factors, you can narrow down your options and choose the credit card that best fits your financial needs.
Common Mistakes to Avoid
While 0% intro APR credit cards can be a powerful financial tool, there are common mistakes that cardholders should avoid to maximize their benefits. Here are some mistakes to steer clear of:
- Not Paying Off the Balance in Time: Failing to pay off the balance before the introductory period ends can result in high interest charges on the remaining balance.
- Making New Purchases During the Intro Period: Continuing to use the card for new purchases during the intro period can hinder progress in paying off the existing balance.
- Ignoring Fees: Being mindful of associated fees, such as balance transfer fees or annual fees, is essential to preserve the benefits of the 0% intro APR.
- Closing Old Credit Card Accounts: Closing old credit card accounts can negatively impact credit utilization ratio and should generally be avoided.
- Overlooking the Regular APR: While the 0% intro APR is appealing, it’s important to consider the regular APR that will apply after the intro period ends.
FAQs
Can I use a 0% intro APR credit card for balance transfers?
Yes, many 0% intro APR credit cards allow for balance transfers. This can be a useful strategy if you’re looking to consolidate high-interest debt onto a card with no interest charges during the intro period.
What happens if I don't pay off my balance before the intro period ends?
If you don’t pay off your balance before the intro period ends, you’ll be subject to the regular APR, which can be significantly higher. It’s crucial to have a repayment plan in place to avoid high interest charges.
Can I earn rewards with a 0% intro APR credit card?
Yes, some 0% intro APR credit cards offer rewards programs. These programs allow you to earn rewards on your everyday spending, providing additional benefits alongside the interest savings.
Will applying for a 0% intro APR credit card affect my credit score?
Applying for a new credit card may have a temporary impact on your credit score due to the hard inquiry. However, if you make timely payments and manage your credit responsibly, the long-term impact should be positive.
What should I do if my credit score is not high enough to qualify for a 0% intro APR credit card?
If your credit score is not high enough to qualify for a 0% intro APR credit card, focus on improving your credit before applying. Pay your bills on time, reduce your debt, and review your credit report for any errors that need to be corrected.
Conclusion
0% intro APR credit cards can be an excellent tool for saving money on interest charges and managing your finances. By understanding how these cards work, considering key factors when choosing a card, and using it wisely, you can maximize the benefits they offer.
Remember to compare different cards, avoid common mistakes, and create a repayment plan to pay off your balance before the intro period ends. With proper research and responsible use, a 0% intro APR credit card can help you achieve your financial goals and save money in the process.
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Low & 0% Intro APR Credit Cards
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