How can I get good 0% APR credit cards? - Other Questions


ADVERTISING DISCLOSURE: is an independent, advertising-supported web site. receives compensation from most credit card issuers whose offers appear on our site. Compensation from our advertising partners impacts how and where their products appear on our site, including, for example, the order in which they may appear within review lists. has not reviewed all available credit card offers in the marketplace.

Credit Card Applications » Questions » User Questions » Other » How can I get good 0% APR credit cards?

How can I get good 0% APR credit cards?

Answered on | Updated on November 25th, 2010
The content is accurate at the time of publication and is subject to change.
This content is not provided by Citi. Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by the Citi.
To begin with, there is nothing called a 0% APR credit card. But there are cards that will provide you with 0% interest rates if you go for a balance transfer. We now arrive at the question of what the difference is between a normal APR credit card and a balance transfer. When you go for a balance transfer, you will get a special introductory interest rate. On this introductory rate, you will get 0% for a certain time. The time duration is going to range between six months to a year at times. But this time period will vary between different banks. The APR on the credit card is the interest rate that you will pay if and only if you do not pay your outstanding balance in full each time you use the card. If for instance your APR is around 10% and you have a balance of $500 and you pay $200 off on the outstanding balance. Now, you will have to pay that 10% on the remaining $300 balance for the year. And that repayment will be spread out throughout the year, so technically you will be paying less than $3 a month in interest in this case. Finding a 0% credit card is no big task. You can get it even with the card that you already hold. But going for a new account with new terms and conditions is always the better way to go when you are getting a credit card for the sole purpose of enjoying the benefits of 0% APR. If you want to convert your current credit card, all you have to do is call up the customer service representatives and ask. There are a number of banks and financial institutions which offer 0% APR credit cards. And most of them will have great promotional offers. Try looking on the internet to get the best deals. You can also ask around with family and friends to find out what their experiences were like with the 0% APR credit cards. The best bet would be to get a referral. This way, you can be sure of the fact that the credit card is just as good as is claimed and also your friend will in all cases get a bonus for making a referral. Some of the popular cards when it comes to 0% APR are Discover, Citibank and Chase Manhattan bank. Do remember that cards which provide great rewards and offers are the ones which have better deals on 0% APR. Cards that are designed for high risk individuals with a bad credit score will not be able to provide the same frills and benefits.
Disclaimer: This editorial content is not provided or commissioned by the credit card issuer(s). Opinions expressed here are the author's alone, not those of the credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the credit card issuer(s). Reasonable efforts are made to present accurate information, however all information is presented without warranty. Consult a card's issuing bank for the terms & conditions.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.
Get the latest news, articles and expert advice delivered to your inbox. It's FREE.
Introducing the New Citi Rewards+ Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap
Excellent, Good Credit
Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days
Good/Excellent Credit
See Rates & Fees
Perfect credit not required for approval; we may approve you when others won’t
Fair/Bad Credit

Other Questions in

You've successfully subscribed!

Please specify the following:All these fields are optional

Your Credit History
Themes you are interested in:

By providing this information you help us make our news letters more useful and informative. Thank you!