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KeyBank Business Mastercard® Credit Card
KeyBank Business Mastercard® Credit Card
- 16.24% to 26.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 16.24% to 26.24% 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
An unassuming business credit card, the KeyBank Business Mastercard is a simple solution for customers looking to fund their companies’ expenses without the promise of additional perks.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 0% introductory APR for 6 months on purchases and balance transfers
- No annual fee
- Generous credit lines offered
- Lost or stolen reporting available 24/7
- Intro Purchase APR: 0% for 6 months from account opening date
- Regular Purchase APR: 16.24% to 26.24% 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: 16.24% 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
- Penalty APR: Up to 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
- Own or operate a business
- Want a business credit card without an annual fee
- Have a large upcoming expense that they can benefit from paying off over time with 0% interest
Truist Enjoy Cash Credit Card
Truist Enjoy Cash Credit Card
- 18.24% to 27.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 18.24% to 27.24% 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 Enjoy Cash Visa® Credit Card is an interesting cash back credit card from Truist. The card offers the choice of how to earn cash back, with options including 1.5% unlimited cash back on all purchases or elevated rewards on gas, groceries, and utilities.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Option 1: Earn 3% cash back on gas, 2% back on groceries and utilities (up to combined $1,000 monthly spend cap), and 1% cash back on all other eligible purchases
- Option 2: Earn 1.5% cash back on all eligible purchases
- Up to 50% Loyalty Cash Back Bonus based on your Truist deposit relationship when cash rewards are redeemed into a Truist deposit account
- No annual fee
- Contactless payments and mobile wallets for faster checkout
- Intro Purchase APR: 0% for 12 months from account opening date
- Regular Purchase APR: 18.24% to 27.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 18.24% to 27.24% 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 already bank with Truist
- You don’t want to pay an annual fee or foreign transaction fees
- You want the option of deciding how you earn your cash back rewards
Safe 1 Credit Union Mastercard Platinum Rewards Card
Safe 1 Credit Union Mastercard Platinum Rewards Card
- 14.75% to 21.75% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 14.75% to 21.75% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 14.75% to 21.75% variable based on creditworthiness and the Prime Rate Cash Advance APR
At a Glance
The Safe 1 Mastercard Platinum Rewards Card offers several features that make it stand out from many competitors. It provides cardholders many of the same benefits as the regular Platinum credit card, cardholders can earn points for every purchase and redeem those for merchandise or travel vouchers. Keep reading for more information on this credit card.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- 0% intro APR for 12 months on purchases and cash advances
- Earn 1 point for ever $1 you spend with your credit card
- No balance transfer fees
- Regular Purchase APR: 14.75% to 21.75% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 14.75% to 21.75% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 14.75% to 21.75% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 2% of the amount of each cash advance, whichever is greater
- Penalty APR: 27.50%
- Foreign Transaction Fee: 1% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: $15
- Return Payment Penalty Fee: $25
- You want a credit card that earns rewards points
- You don’t want to pay an annual fee
- You don’t want to pay balance transfer fees
Amex EveryDay® Preferred Credit Card
Amex EveryDay® Preferred Credit Card
- 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
- 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 Amex EveryDay® Preferred Credit Card touts 3X points at U.S .supermarkets on up to $6,000 per year in purchases, 2X points at U.S. gas stations and 1X points on other eligible purchases. Plus, when you make 30 or more purchases with your card in a billing period, you’ll earn 50% more points on those purchases (minus returns and credits).
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 3X points per $1 at supermarkets (up to $6,000)
- 2X points per $1 at gas stations
- 1X points per $1 on other eligible purchases
- Earn 50% more points when you make 30+ purchases with your Card in a billing period
- 0% APR on purchases and balance transfers for 12 months
- Intro Purchase APR: 0% for 12 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 12 months from account opening date
- Balance Transfer APR: 18.24% to 28.24% 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
- Penalty APR: 29.99% variable based on the Prime Rate
- Annual Fee: $95
- Foreign Transaction Fee: 2.7% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- You want 3X points at U.S. supermarkets on up to $6,000 per year in purchases, 2X points at U.S. gas stations and 1X points on all other purchases
- You will spend $1,000 within the first three months of the account opening in order to earn 15,000 Membership Rewards® points welcome offer
- You're likely to make 30 or more purchases with your card in a billing period to earn a massive 50% extra points on those purchases
Randolph-Brooks Premier Rate Mastercard
Randolph-Brooks Premier Rate Mastercard
- 11.95% to 18.00% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 11.95% to 18.00% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 11.95% to 18.00% variable based on creditworthiness and the Prime Rate Cash Advance APR
At a Glance
The Randolph-Brooks Premier Rate Credit Card is designed for those that want an exceptionally low APR for conducting balance transfers, paying down existing credit card balances, or making purchases and spreading the cost over time. The card features a typical APR of around 10% for those with excellent credit, as well as 0% introductory APR on cash advances and balance transfers for the first 12 months. The card also features no annual fees or foreign transaction fees.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Excellent low APR
- No foreign transaction fees
- 0% introductory APR for 12 months from account opening
- Regular Purchase APR: 11.95% 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: 11.95% to 18.00% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 11.95% to 18.00% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: Up to 2% of the amount of each cash advance
- Late Payment Penalty Fee: Up to $25
- Return Payment Penalty Fee: Up to $24
- You live in either Austin, Corpus Christi, Dallas, or San Antonio
- You want an exceptional APR
- You don’t want to pay an annual fee
M&T Visa Credit Card
M&T Visa Credit Card
- 18.24% to 22.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 18.24% to 22.24% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 27.24% varies 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 Visa Credit Card from M&T Bank is ideal for those who want a hassle-free credit card with a low APR, the convenience of multiple payment options, and the security and global purchasing power for which Visa is renowned. The card features no annual fee, no foreign transaction fees, and an introductory 0% APR on purchases and balance transfers for the first 12 months.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- 0% introductory APR for the first 12 months after opening account
- Ability to pay with Apple Pay®, Google Pay™ or Samsung Pay
- Low APR after 0% introductory period ends
- Intro Purchase APR: 0% for 12 months from account opening date
- Regular Purchase APR: 18.24% 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: 18.24% 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% varies 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
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $35
- Return Payment Penalty Fee: Up to $25
- You want a straightforward card with no annual fee
- You're looking for the convenience to pay via multiple digital methods, including Apple Pay®, Google Pay™ or Samsung Pay
- You want a card with 0% introductory APR and a low APR after that
- You want peace of mind with your credit card’s security – especially when traveling abroad
Huntington Bank Voice Low Rate
Huntington Bank Voice Low Rate
- 15.24% to 27.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 15.24% to 27.24% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.24% variable based on the Prime Rate Cash Advance APR
At a Glance
The Voice Low Rate Card from the Huntington Bank is a balance transfer and low APR card that simply can’t escape the shadow of its Rewards Card sibling. The card benefits from 0% intro APR on balance transfers for the first 12 months, no balance transfer fees, and a regular APR that is 2% lower than what comes with the Rewards Card. The card also features no foreign transaction fees and no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- No penalty APR
- Get an extra day to pay if you miss a payment with Late Fee Grace
- No foreign transaction fee
- Regular Purchase APR: 15.24% to 27.24% 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: 15.24% to 27.24% 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: 29.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 3% of the amount of each advance, whichever is greater
- Late Payment Penalty Fee: Up to $40
- You want a low APR and nothing else
- You have excellent credit and plan on carrying a balance
- You don’t want to pay fees for balance transfers, foreign transactions, or annual membership
California Bank & Trust Reserve Visa® Card
California Bank & Trust Reserve Visa® Card
- 19.49% to 29.49% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 19.49% to 29.49% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 28.49% to 29.49% variable based on the Prime Rate Cash Advance APR
At a Glance
The California Bank & Trust Reserve Visa Card is a luxury travel rewards card that also feels at home with everyday life. The card benefits from an impressive array of travel perks, earns a remarkable amount of points on every purchase, and enjoys six months interest-free on balance transfers.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 3X points or 3% cash back on travel and dining
- 2X points or 2% cash back on all other purchases
- $250 annual travel credit
- No foreign transaction fees
- Regular Purchase APR: 19.49% to 29.49% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 6 months from account opening date
- Balance Transfer APR: 19.49% to 29.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each balance transfer, whichever is greater
- Cash Advance APR: 28.49% to 29.49% 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: $450
- Late Payment Penalty Fee: Up to $35
- Return Payment Penalty Fee: Up to $35
- You plan to use your card every day – but especially on travel and dining
- You want lounge access when you travel, but don’t feel the need to pay for unlimited access
- You want 0% intro APR on balance transfers and a great low rate after that
- You have an existing CB&T bank account into which you want to divert cash back rewards
KeyBank Latitude® Credit Card
KeyBank Latitude® Credit Card
- 20.24% to 27.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 20.24% to 27.24% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 0% for 12 months from account opening date Intro Purchase APR
At a Glance
With a 0% APR offer for 15 months, the KeyBank Latitude® Credit Card can save you plenty on interest charges.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 0% introductory APR on purchases and balance transfers
- Low regular APR on purchases and balance transfers after promotional rate expires
- No annual fee
- Temporary lock feature lets you freeze your card and prevent fraudulent activity if it gets lost or stole
- Intro Purchase APR: 0% for 12 months from account opening date
- Regular Purchase APR: 20.24% to 27.24% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 15 months on transfers made within 60 days from account opening date
- Balance Transfer APR: 20.24% 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
- Foreign Transaction Fee: 3% of the amount of each transaction in U.S. dollars
- Late Payment Penalty Fee: UP to $40
- Over Limit Penalty Fee: $10 for each overdraft protectio
- You want a basic, low-rate credit card
- You're planning to carry or transfer a balance and can take advantage of an introductory 0% APR offer
- You don’t want to pay an annual fee
Greylock Federal Credit Union Explore Rewards Card
Greylock Federal Credit Union Explore Rewards Card
- See Terms Regular Purchase APR
- See Terms Balance Transfer APR
- See Terms Cash Advance APR
- See Terms Intro Purchase APR
At a Glance
The Greylock Federal Credit Union Explore Rewards credit card isn’t the most competitive card available but it’s a low APR rewards card ideal for Greylock customers wanting to earn (modest) rewards for their purchases. Cardholders will earn 1X points per dollar on all purchases and enjoy 0% intro APR with no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Introductory purchase APR of 0% for the first six months of account opening
- Earn 1 reward point for every $1 spent
- Rewards can be redeemed for gifts, travel, and cash rewards
- Intro Purchase APR: See Terms
- Regular Purchase APR: See Terms
- Intro Balance Transfer APR: See Terms
- Balance Transfer APR: See Terms
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: See Terms
- Cash Advance Transaction Fee: Either $10 or 2% of the amount of each cash advance, whichever is greater (maximum $25)
- Foreign Transaction Fee: Up to 1% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $27
- Return Payment Penalty Fee: Up to $27
- You want credit card rewards but also a low APR
- You're a low spender who primarily uses cash or a debit card
- You have good – but not excellent – credit
- You are a current Greylock customer
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.
Check out more
Low & 0% Intro APR Credit Cards
Editorial Disclosure – The opinions expressed on BestCards.com's reviews, articles, and all other content on or relating to the website are solely those of the content’s author(s). These opinions do not reflect those of any card issuer or financial institution, and editorial content on our site has not been reviewed or approved by these entities unless noted otherwise. Further, BestCards.com lists credit card offers that are frequently updated with information believed to be accurate to the best of our team's knowledge. However, please review the information provided directly by the credit card issuer or related financial institution for full details.