0% APR Credit Card solution to reduce your debt
Having problems paying your debt, and you don’t know what to do? The good news is here! 0% APR credit cards can save your day. You can transfer your debt to a credit card which is also known as balance transfer credit cards and pay for the amount based on the terms of your 0% APR credit cards. You can pay the debt for six months or 12 months, without worrying for the interest. Getting the best 0% APR credit card offers is the best option in paying up your debt.
What you need to bear in mind is, not all balance transfer credit cards companies have the best 0% APR credit card offers. In finding the top 10 0% APR credit cards, always make sure you know the terms and conditions before actually applying for one. There are companies that claim to have the best 0% APR credit card offers, but will charge you with high interest on new purchases, or your failure to settle your balance before the period ends.
Top 10 0% apr credit card offers
Below you will find top 10 APR credit card offers you can choose from. These credit cards will give you the best 0% APR credit card offers.
Most (not all) of the credit cards I’ve listed here currently offer a 0% APR on both balance transfers and new purchases.
You’ll pay no interest for the duration of the intro period for any balance you move or any new purchases made on these cards. You have to be keenly aware that beyond the specified period, your rates *will* jump, so read the fine print carefully before you apply.
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Blue Cash® from American Express is a cash back rewards credit card that offers 0% APR for 6 months for new purchases only. This is one of the best rewards cards out there, as it allows you to earn up to 5% cash back on many spending categories such as gas, groceries and drugstores. For everything else, you’ll earn 1.25% cash back. Here’s where to apply. |
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Chase Freedom(SM) Credit Card is a cash back rewards credit card that offers 0% APR on a tiered basis. With excellent credit, you may qualify for 0% APR for 12 months on balance transfers, and 0% APR for 6 months on new purchases. This card provides an ongoing 5% to 20% cash back on various spending categories. You’ll also receive 1% cash back by default (for all other purchases). Here’s where to apply. |
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Discover More Card is a cash back rewards credit card that offers 0% APR for 12 months on balance transfers and 0% for 6 months on new purchases. This card provides a $50 cash back bonus once you have made $500 in purchases, along with ongoing 5% to 20% cashback on various spending categories. It comes with a 5% transfer fee and no annual fee. Here’s where to apply. |
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Discover More American Flag has a 0% APR on both purchases and balance transfers for 6 months. Like other Discover More cash back cards, this rewards card lets you earn 5% to 20% cash back when you spend on certain categories and 1% for other purchases. It has no annual fee but has a 3% balance transfer fee. Here’s where to apply. |
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Escape by Discover offers a 0% APR period on both balance transfers and new purchases for 6 months. It is a travel rewards card that yields unlimited double miles on all purchases, along with other travel benefits, including 25,000 bonus miles. It has a $60 annual fee and a 3% balance transfer fee. Here’s where to apply. |
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Miles By Discover Card has a 0% APR promotional term for 6 months, both for purchases and balance transfers. It converts to a travel rewards card that will earn you miles each time you spend. Specifically, it offers 12,000 bonus miles, with double miles each year on the first $3,000 you spend. It has no annual fee and has a 3% balance transfer fee. Here’s where to apply. |
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Discover Student Credit Card gives you 0% APR on purchases for 6 months. With this cash back credit card, you’ll receive full 5% cash back on popular spending categories and up to 1% unlimited cash back on all other everyday purchases. This card has no annual fee. Here’s where to apply. |
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Citi Platinum Select MasterCard gives you 0% APR on both purchases and balance transfers for up to 18 months. The APR after 18 months is a variable low rate (as low as 9.99% based on your credit standing). It also offers a $30 cash bonus (statement credit). Being a non-rewards card, its regular interest rate is relatively lower than those of rewards cards; it also has no annual fee and a 3% balance transfer fee. Here’s where to apply. |
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Citi® mtvU™ Platinum Select® Visa® Card is a solid rewards card for students. If you qualify based on your credit history and application, you may receive a 0% APR on purchases for 7 months. This rewards card will grant you up to 2,000 ThankYou points twice each year if you maintain a good GPA, plus additional points for everyday spending and for good financial behavior. The card has no annual fee. Here’s where to apply. |
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Citi Forward Card is a rewards card with a 0% APR on both balance transfers and purchases for 7 months. You’ll rack up ThankYou points when you stay under your credit line and pay on time. Once the intro period elapses, this card also gives you a chance to reduce the purchase APR by .25% (possibly several times, up to a 2% maximum reduction). It has no annual fee. Here’s where to apply. |
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TrueEarnings Card From American Express and Costco is a popular cash back rewards card that offers a 0% APR on purchases for 3 months and a low 1.99% APR on balance transfers for 6 months. This card will let you earn up to 3% cash back anywhere. You’ll also get a $25 bonus with your first purchase once you’re a member. There’s no annual fee but you’ll have to be a Costco member to become a cardholder. Here’s where to apply.
Getting out of your debt can be easy and stress-free. What you need is a little research about the top 10 APR credit card offers based on the credit card companies I have mentioned above. With balance transfer cards and other best 0% APR credit cards offers, getting out of your debt has never been easier. You’ll be able to transfer your debt to the credit card of your choice, and pay it based on the promotional period you have agreed unto. Making choices need not to be difficult. Shop around, and get those top 10 APR credit card offers for your advantage. |
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