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Bank of America® Customized Cash Rewards Credit Card for Students
Bank of America® Customized Cash Rewards Credit Card for Students
- 18.24% to 28.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 18.24% to 28.24% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 21.24% to 30.24% variable based on creditworthiness and Prime Rate Cash Advance APR
- 0% for 18 months from account opening date Intro Purchase APR
At a Glance
The Bank of America® Cash Rewards Credit Card for Students is a solid means for students to build their financial borrowing reputation while covering everyday purchases. Unlike most student cards, earn up 3% cash back which can be redeemed as a statement credit, check, or deposit in your Bank of America checking or savings account, as well as a $200 signup bonus.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Introductory 0% purchase APR for your first 12 months
- Introductory 0% APR for 15 months
- Enjoy additional travel, auto rental, and purchase benefits
- 3% cash back on the category of your choice
- 2% back at grocery stores and wholesale clubs
- 1% back on all other purchases
- Free access to monthly FICO® Score
- Intro Purchase APR: 0% for 18 months from account opening date
- Regular Purchase APR: 18.24% to 28.24% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 18 months on transfers made within 60 days of account opening date
- Balance Transfer APR: 18.24% to 28.24% 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: 21.24% to 30.24% variable based on creditworthiness and Prime Rate
- Cash Advance Transaction Fee: Either $10 or 3% 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 $40
- Return Payment Penalty Fee: Up to $29
- You want a card with no annual fee
- You can pay off your monthly balance in full
- You'll spend $1000 within the first 90 days of opening an account
- You want changeable 3% cash back categories to earn rewards for decorating your dorm, buying groceries, or booking plane tickets to visit home
Wells Fargo Reflect Card
Wells Fargo Reflect Card
- 18.24%, 24.74%, or 29.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 18.24%, 24.74%, 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 21 months from date of account opening, with an extension of up to 3 months for meeting minimum requirements Intro Purchase APR
At a Glance
The Wells Fargo Reflect Visa is a low APR credit card that offers one of the lengthiest intro APR periods available. The card, which features no annual fee, starts with 21 months of 0% APR on purchases and balance transfers.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers.
- Cell phone protection for up to $600 when you pay your monthly cell phone bill with your eligible Wells Fargo card
- Intro Purchase APR: 0% for 21 months from date of account opening, with an extension of up to 3 months for meeting minimum requirements
- Regular Purchase APR: 18.24%, 24.74%, or 29.99% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 21 months from date of account opening, with an extension of up to 3 months for meeting minimum requirements
- Balance Transfer APR: 18.24%, 24.74%, or 29.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening. After that, up to 5% for each balance transfer, with a minimum of $5
- 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.
- Foreign Transaction Fee: 3% of each transaction converted to U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- You have a significant credit card balance they want to pay down
- You plan on making your payments on time each month
- You have a good credit score
- You do't want to pay an annual fee
Truist Future Credit Card
Truist Future Credit Card
- 16.24% or 25.24%. variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 16.24% or 25.24%. variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 27.24% variable based on the Prime Rate Cash Advance APR
- 0% for 15 months from account opening date Intro Purchase APR
At a Glance
The Truist Future Visa Credit Card offers 15 months of 0% intro APR on purchases and balance transfers, a competitive APR after that, no foreign transaction fees, and no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 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
- Intro Purchase APR: 0% for 15 months from account opening date
- Regular Purchase APR: 16.24% or 25.24%. 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: 16.24% or 25.24%. 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 4% of the amount of each cash advance, whichever is greater
- Late Payment Penalty Fee: Up to $40
- You have an existing credit card balance you want to pay down
- You're planning a big-ticket purchase
- You have excellent credit and can access the very best interest rates
- You do't want to pay an annual fee
Sallie Mae Evolve Card
Sallie Mae Evolve Card
- 17.99% to 29.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 17.99% to 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 15 months from account opening date Intro Purchase APR
At a Glance
The Sallie Mae Evolve? Credit Card is a student credit card designed for recent college graduates, is a great way to earn cash back rewards while you build your credit score up from the ground. Earn 1.25% cash back on all purchases and you’ll automatically receive an extra 25% bonus on those rewards earned from your top two purchase categories each month, along with a generous introductory bonus offer.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn unlimited 1.25% cash back on every purchase, every day
- Earn a 25% bonus on cash back rewards earned from your top two purchase categories each month
- No annual fee
- 0% introductory APR on purchases for 15 months from account opening
- Intro Purchase APR: 0% for 15 months from account opening date
- Regular Purchase APR: 17.99% to 29.99% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 15 months from account opening date
- Balance Transfer APR: 17.99% to 29.99% 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 transfer, 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 don’t want to pay an annual fee
- You like the idea of earning unlimited 1.25% cash back
- You would like to earn a 25% cash back bonus each month on your top two purchase categories
- You will take advantage of a generous introductory purchase APR of 0% for 15 months
Wyndham Rewards Earner® Plus Card
Wyndham Rewards Earner® Plus Card
- 20.99%, 25.24% or 30.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 20.99%, 25.24% or 30.24% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 30.49% variable based on the Prime Rate Cash Advance APR
- 0% for 12 months from account opening date or 0% for 6 months (from purchase date) on Wyndham Timeshare purchases Intro Purchase APR
At a Glance
The Wyndham Rewards Earner® Plus Card is a premium hotel card that earns decent points for its $75 annual fee. The Barclays-issued card really comes into its own, however, when the impressive status upgrades, status matches, and big bonuses are accounted for.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 45,000 bonus points, enough for up to 6 free nights after spending $1,000 on purchases in the first 90 days
- Earn 6X points on eligible purchases made at Hotels by Wyndham as well as on qualifying gas purchases
- Earn 4X 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
- Intro Purchase APR: 0% for 12 months from account opening date or 0% for 6 months (from purchase date) on Wyndham Timeshare purchases
- Regular Purchase APR: 20.99%, 25.24% or 30.24% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 15 months on transfers made within 45 days of account opening
- Balance Transfer APR: 20.99%, 25.24% or 30.24% variable based on 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: 30.49% 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)
- You're already a member of Wyndham Rewards or prefer to stay at any of Wyndham’s 20+ brands
- You use your credit cards to spend heavily on gas, dining, or groceries
- You have an existing balance on another card that you can transfer and pay off without interest charges for over a year
- You plan to use a credit card for purchases outside the United States and don’t want to worry about foreign transaction fees
First Citizens Cash Rewards Visa®
First Citizens Cash Rewards Visa®
- 17.99% to 26.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 17.99% to 26.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 26.99% to 29.99% variable based on creditworthiness and the Prime Rate Cash Advance APR
At a Glance
The First Citizens Cash Rewards Visa® offers cardholders a flat 1.5% cash back on all qualifying purchases. There is no limit to how much cash back you can earn, and this card adds your cash back rewards daily to your account. New cardholders can also take advantage of 0% interest over 12 months on balance transfers.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Earn 1.5% cash back on every $1 you spend
- Unlimited cash back potential
- 0% introductory APR for 12 months on balance transfers made within 90 days from account opening date
- Regular Purchase APR: 17.99% to 26.99% 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: 17.99% to 26.99% 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: 26.99% to 29.99% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Annual Fee: $0
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: $25
- You don’t want to pay an annual fee
- You would like to earn 1.5% cash back on your purchases
- You want to take advantage of 0% APR on balance transfers for 12 months
- You want the option of redeeming rewards as cash deposits or statement credits
Business Advantage Travel Rewards World Mastercard®
Business Advantage Travel Rewards World Mastercard®
- 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 sign-up bonus of 30,000 bonus points offered by the Business Advantage Travel Rewards World Mastercard® credit card after making at least $3,000 in net purchases in the first 90 days is practically a given for the business travelers that this card caters to. Those points can be redeemed for a $300 statement credit towards travel purchases, which could cover a flight to a can’t-miss industry convention.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Online exclusive: Earn 30,000 bonus points after making at least $3,000 in net purchases in the first 90 days of your account opening
- 3X points for ever $1 spent on travel booked through the Bank of America Travel Center
- 1.5X points for every $1 spent on all other purchases
- 0% on purchases for 9 months
- No annual fee
- No foreign transaction fees
- 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: Either $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: Either $10 or 4% of the amount of each cash advance, whichever is greater
- Late Payment Penalty Fee: Up to $49
- Return Payment Penalty Fee: $39
- You travel frequently for work purposes
- You can earn lots of bonus points for regular business expenses
- You do not want to pay an annual fee or foreign transaction fees
Sallie Mae Ignite Card
Sallie Mae Ignite Card
- 17.99% to 29.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 17.99% to 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 6 months from account opening date Intro Purchase APR
At a Glance
Students often have a difficult time finding a cash back cards that are a good fit for them, since it takes time to build credit history and many high-tiered rewards programs require excellent credit. However, Sallie Mae’s Ignite? Credit Card is a great cash-back option that will help students establish their credit while earning bonus rewards for responsible financial behaviors.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Earn unlimited 1% cash back on every purchase, every day
- Get a 25% bonus on your cash back rewards when you make 6 consecutive on-time payments
- 0% introductory APR on purchases for 6 months from account opening
- Intro Purchase APR: 0% for 6 months from account opening date
- Regular Purchase APR: 17.99% to 29.99% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 6 months from account opening date
- Balance Transfer APR: 17.99% to 29.99% 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: 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 earn unlimited 1% cash back on all purchases and a cash back bonus for responsible financial behavior
- You don’t want to pay an annual fee
- You will take advantage of an introductory APR of 0% for six months after account opening
- You're a student, or someone looking to build their credit history
KeyBank Business Rewards Mastercard® Credit Card
KeyBank Business Rewards Mastercard® Credit Card
- 17.24% to 27.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 17.24% to 27.24% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 0% for 6 months from account opening date Intro Purchase APR
At a Glance
A step above a traditional business credit card, the KeyBank Business Rewards Mastercard is a smart choice for proprietors who need more purchasing power and also want to get rewarded as they cover costs.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 10 points per $1 in combined purchases on gas, restaurants, travel, and telecommunications
- Earn 5 points per $1 in other eligible purchases
- Earn 100,000 bonus points when you spend $1,000 within the first 60 days from opening an account
- Introductory 0% APR for 6 months on purchases and balance transfers
- No annual fee
- Intro Purchase APR: 0% for 6 months from account opening date
- Regular Purchase APR: 17.24% to 27.24% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 6 months on transfers made within 60 days from account opening date
- Balance Transfer APR: 17.24% to 27.24% 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
- Penalty APR: 29.99% variable based on the Prime Rate
- Foreign Transaction Fee: 3% of the amount of each transaction in U.S. dollars
- Late Payment Penalty Fee: Up to $39
- Over Limit Penalty Fee: $39 per cycle
- You own or operate a business
- You want a credit card that gives back as you use it
- You want a points-based rewards program with an appealing signup bonus
- You do't want to pay an annual fee
- You bank with KeyBank already
- You can take advantage of an introductory 0% APR offer for either purchases or balance transfers
Sallie Mae Accelerate Card
Sallie Mae Accelerate Card
- 17.99% to 29.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 17.99% to 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 15 months from account opening date Intro Purchase APR
At a Glance
The Sallie Mae Accelerate? Credit Card, designed for recent college graduates, stands out from other cash back cards because it’s the only credit card currently on the market that will reward you with a bonus when you use it to pay down a student loan. Earn 1.25% cash back on all purchases while you build your credit, along with no annual fee and a generous introductory APR offer.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Earn unlimited 1.25% cash back on every purchase, every day
- Earn a 25% bonus on any cash back rewards used to pay down student loans
- 0% introductory APR on purchases for 15 months from account opening
- Intro Purchase APR: 0% for 15 months from account opening date
- Regular Purchase APR: 17.99% to 29.99% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 15 months from account opening date
- Balance Transfer APR: 17.99% to 29.99% 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: 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 earn unlimited 1% cash back on all purchases and a cash back bonus for responsible financial behavior
- You don’t want to pay an annual fee
- You will take advantage of an introductory APR of 0% for 15 months after account opening
- You are a student, or someone looking to build their credit history
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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