Card Details Best for low interest BankAmericard® credit card * Bankrate score 4.8 Hover to learn moreBankrate review Add to compare Recommended credit score:(670 - 850) Hover to learn more Purchase intro APR 0% Intro APR for 18 billing cycles for purchases Regular APR 15.24% - 25.24%...
If you have credit card debt and are looking to save on interest, the Citi Simplicity® Card is one of the best options for 0% intro APR balance transfer offers. Standout rewards: The Citi Simplicity Card doesn't provide any rewards, but its intro-APR period for balance transfers is ex...
A credit card balance transfer lets you move an existing credit card debt balance to a new credit card, which may allow you to take advantage of a lower interest rate. A 0% intro APR balance transfer credit card could mean no interest on balance transfers during the introductory period. Tra...
The Wells Fargo Active Cash® Card is a great choice for earning cash rewards on your everyday purchases, as well as interest-free financing. Intro APR offer: The Wells Fargo Active Cash Card comes with 0% intro APR for 12 months from account opening on purchases and qualifying balance ...
A 0% credit card is a credit card with a 0% introductory/promotional interest rate available for a set duration. This means you can spread costs by paying off less than the full amount each month and still pay no interest. Once the offer ends, the standard rates will apply to the remai...
Credit card interest is calculatedon purchases, balance transfers and cash advances, and a high rate of interest can quickly cause your balance to spiral out of control. Some consumers prefer to stick with interest-free and zero-interest credit cards to avoid interest charges and debt. ...
6. Cleo Credit Builder Card Cleo Credit Builder Card Cleo is a financial app with its Credit Builder Card, requiring as little as $1 as an opening deposit to set your spending limit. There’s no credit check, no interest (balance repaid monthly) and Cleo reports to all three credit burea...
Look at the transaction fees – which are usually 2% to 5% – and compare the cash advance APR for each card. It's usually higher than the purchase APR. You should know that there's no grace period with cash advances, which means that interest starts accruing immediately. So a cash adva...
Understand the Terms and Conditions:Familiarize yourself with the terms and conditions of your 0 interest credit card, including the minimum payment calculation method, payment due dates, and potential fees. Being well-informed empowers you to meet your obligations and avoid unnecessary charges. ...
Set up credit card alerts to notify you of payment due dates and card balances, so you can pay on time and avoid maxing out your credit limit. Interest and Fees Because a credit card is essentially a short-term loan, you’ll have to pay back what you spend with interest. The interest...