If you are searching for a credit card with a 0% APR introductory rate, you have many options from which to choose. This article provides details on the top 10 credit cards that offer 0% APR introductory rates.
Discover More Card: The Discover More Card is one credit card with a 0% introductory APR. After the initial introductory period, APR ranges from 10.999-18.99%, depending on your credit history and your payment history with the company. Additionally, there is a 0% introductory APR on balance transfers for the first year with the Discover More Card.
The Discover More Card also has a reward program, where you receive 0.25% cash rewards for every purchase you make up to $1,500, 0.50% cash rewards on all purchases you make between $1,500-3,000, and 1% cash rewards on all purchases over $3,000. You can redeem these cash rewards in $20 increments. Furthermore, when you redeem your points and choose to obtain an e-certificate or gift card, your rewards will be increased or doubled.
Discover also asserts they will actively monitor your account for fraudulent purchases.
Discover credit cards can be used most places in which major credit cards are accepted including grocery stores, department stores, discount clubs, hospitals, airlines, gas stations, and much more.
For more information about this card, please visit Discover at: www.discovercard.com.
Chase Platinum Visa Card: The Chase Platinum Visa Card is another card with an introductory APR of 0%. After the initial introductory period, APR rates are variable and begin at 13.24%. This card contains no rewards and no annual fees.
Benefits of the Chase Platinum Visa Card include emergency card replacement, the ability to report a lost or stolen card immediately, fraudulent purchase protection, travel accident insurance, and auto rental collision damage waiver.
Visa is accepted almost anywhere.
For more information about this credit card, please visit Chase bank.
American Express Blue: A 0% introductory APR rate exists on this credit card for up to 15 months. After the initial period, APR rates begin at 12.24%. There is no annual fee with the American Express Blue credit card. Additionally, you may enroll this credit card in the Membership Rewards Express Program and earn 1 point per almost every $1 you spend.
American Express Blue provides resources to teach you how to protect yourself against identity theft and security options for your account. American Express is accepted almost everywhere most major credit cards are accepted.
You can gain more information about this credit card by visiting the American Express website.
Bank of America Platinum Plus Visa: The Band of America Platinum Plus Visa credit card offers an introductory APR of 0% on purchases and balance transfers for the first six months. After the initial six months, APR rates are variable and begin at 10.24%. There is no annual fee for this credit card.
The Bank of America Platinum Plus Visa card offers great security benefits. If you lose your card or it is stolen from you, Bank of America will not hold you accountable for any purchases that were made during the time in which the card was out of your possession. The credit card also has a picture ID, which helps protect you against fraudulent purchases.
This credit card is accepted anywhere Visa cards are accepted.
For more information about this card, please visit: www.bankofamerica.com.
Chase Free Cash Rewards Visa Card: The Chase Free Cash Rewards Visa Card offers a 0% introductory APR on purchases and balance transfers for six months. After that, APR rates are variable and begin at 13.24%. This credit card has no annual fee.
The Chase Free Cash Rewards Visa Card offers a great rewards package, with 1,000 bonus points with your first purchase and 1 point for every dollar you spend using your credit card. You may redeem your points for checks or for gift cards.
This credit card is accepted everywhere Visa credit cards are accepted, including grocery stores, gas stations, hospitals, department stores, pet stores, and more.
Chase offers emergency card replacement and fraudulent purchase protection.
Discover Open Road Card: The Discover Open Road card has a 0% introductory APR for 6 months on purchases and a 0% APR on balance transfers for the first 12 months. After the initial period, purchase APR is variable and begins at 10.99%. This card has no annual fee. This card also offers 5% cash back on auto maintenance and gas purchases you make with the Discover Open Road card.
Customers with this credit card receive fraudulent purchase protection. This card is accepted in places of business in which most major credit cards are accepted.
For more information, please visit Discover at: www.discovercard.com.
Clear from American Express: This card offers a 0% introductory APR on purchases for up to one full year. After the introductory period, APR is variable and starts at 13.24%. A fixed APR exists for balance transfers at 5.99%. Customers who get this card will receive an American Express gift card for $25 every time they have spent $2,500 using their credit card.
American Express provides a variety of security options for your credit card, including the option to add a photo ID in order to protect yourself from fraudulent purchases.
Capitol One Standard Platinum: The Capitol One Standard Platinum card is another card that offers an introductory APR of 0% for six months. After six months, the APR is variable and begins at 14.4%. This card has no annual fee.
Capitol One offers 0% liability for purchases made without your authorization. This company also offers emergency roadside assistance and towing, travel accident insurance, and emergency card replacement services.
Capitol One credit cards are accepted everywhere Visa is accepted.
GM Flexible Earnings: GM Flexible Earnings has an introductory APR of 0% on purchases and balance transfers for up to a full year. This card also allows you to earn rewards, redeemable for a GM car, another vehicle, or cash back. After the introductory period, APR for purchases is variable and starts at 12.49%.
This card offers protection against fraudulent purchases, replacement cards at no additional cost to the customer, travel accident insurance, and discounts on other GM products, such as GMAC insurance.
The GM Flexible Earnings card can be accepted anywhere MasterCard is accepted.
Starbucks Card Duetto Visa: The Starbucks Card Duetto Visa offers a 0% introductory APR on purchases and balance transfers for six months. After the initial six months, APR is variable and begins at 13.49%. There is no annual fee with this card.
This card offers many perks. When you obtain a Starbucks Card Duetto Visa, you will automatically receive $25 to spend as you please. Additionally, not only can you use this credit card as a Visa card, you can also load the card with money to spend at Starbucks. Each time you use your card to make Visa purchases, you will receive 1% cash back on your Starbucks card in duetto dollars, which will be added to your card every month. These duetto dollars are redeemable for Starbucks drinks.
If your card is stolen or lost, your card can only be protected from the moment you notify the bank that issues your card. From that point on, you will be protected from fraudulent charges.
For more information about this credit card, please visit: www.starbucks.com.
Pet Rewards Visa: The Pet Rewards Visa card has a 0% introductory APR on purchases and balance transfers for the first six months. After the introductory period, APR is variable and starts at 9.9%. There is no annual fee with this credit card.
You may earn points to be redeemed for veterinarian visits, discount certificates, and pet food. Additionally, you may personalize your card by putting your pet’s photo on it.
You can purchase the Cardholder Security Plan, which protects you from damage to your credit if you are unable to pay your outstanding credit card balance in cases of total disability, involuntary unemployment, a family leave of absence from work, hospitalization, or death. For more information about this program, please visit: http://www.bankofamerica.com/petrewards_site/index.cfm?template=features_csp.
Other security features of this card include fraudulent purchase monitoring and 0 liability for any fraudulent purchases in cases in which you lose your Pet Rewards Visa card or it is stolen from you.
You may use the Pet Rewards Visa card anywhere in which Visa cards are accepted.
There are several credit cards that offer a 0% introductory APR; this article has detailed 10 of the best credit cards offering this feature.