Citi® Diamond Preferred® Card 0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 14.74% - 24.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- 0% Apr Definition
- Credit Cards 0 Apr First Year
- 0% Apr On Balance Transfers
- Airlines Credit Cards 0% Apr First 18 Months
- Credit Cards With 0% Apr First Year
- I got approved for the Discover Student IT card which has 0% APR for the first 6 months. I read over the terms and all, and it doesn't seem to have any surprise purchase / carryover fees / negative implications as long as you make the minimum payment. I'm planning to buy a $200 item for which I plan to pay off in 2 months, about half this month.
- Different deals come with different APR rates and term lengths, as well. Just ask your local Toyota dealer about your options for Toyota 0% or low-APR finance deals. Only very well-qualified buyers will qualify for the lowest APR. APR stands for Annual Percentage Rate.
- The 0% introductory APR applies to Balance Transfers made within 620 days of account opening and is valid for the first 20 billing cycles. The introductory rate does not apply to Cash Ad vances. Thereafter, the APR may vary and as of, the u ndiscounted variable APR for Purchases and Balance Transfers is 13.49%-23.49%.
- Choose an exciting 0% intro APR credit card that rewards you for everyday purchases. The Citi Rewards+ ® Card offers a 0% intro APR in addition to ThankYou ® Points with every purchase. Earn bonus points after you spend $ in purchases with your card within the first months.
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Compensation may factor into how and where products appear on our platform (and in what order). But since we generally make money when you find an offer you like and get, we try to show you offers we think are a good match for you. That's why we provide features like your Approval Odds and savings estimates.
Of course, the offers on our platform don't represent all financial products out there, but our goal is to show you as many great options as we can.
This offer is no longer available on our site: Capital One® VentureOne® Rewards Credit Card
Even if you're not looking for another credit card, discovering new credit card offers for a 0% intro APR can be incredibly exciting.
After all, it could mean you don't have to pay interest on purchases for a certain period of time. But is taking advantage of a 0% intro APR offer the right decision for you?
Before you rush off to apply for a 0% intro APR card, make sure you understand how the offer works, as well as how you plan to use the card.
Looking for a low-interest card? Compare Cards NowTypes of 0% APR offers
A purchase APR, or annual percentage rate, is the interest rate applied to your purchases if you carry a balance on your credit card. A credit card offer may boast a 0% intro APR, but it may not apply to both balance transfers and purchases.
To find out the specifics of the card you are considering, check the terms and conditions listed on the credit card agreement and a summary of the costs of the credit card listed in a table format (also known as the Schumer box). You can find the Schumer box in credit card agreements.
0% Apr Definition
One type of 0% APR offer is for purchases. A 0% introductory purchase APR means you won't be charged interest on your purchases for a certain period of time as determined by your credit card company. In order to take advantage of this offer, you'll need to make at least the minimum payments due on your statement.
For example, if you receive an offer for 12 months, you won't be charged interest for 12 months on items you've purchased in the first year of your account opening. However, any benefits of this offer may be contingent on you paying off your balance in full by the end of the introductory period.
Another type of 0% APR offer is for balance transfers. A 0% introductory APR offer on balance transfers means you're not charged interest on a balance you transfer from another credit card. This type of offer also comes with a temporary introductory period.
Is it really 0% APR?
In order to tell if a card offers 0% intro APR, you'll need to scrutinize the fine print.
Even if a card offers a 0% intro APR, you may still have to pay interest on some things. For example, if your 0% intro APR offer was for balance transfers only, then any new purchases on your card may be charged interest unless you pay off your balance in full each month by the due date.
After the introductory period ends, your balance and any new purchases will be subjected to the regular APR (the national average as of June 24, 2017, is 15.96%). This could negate the savings from transferring your balance if you do not pay it off during the introductory period.
You'll also need to watch for penalty APRs, which are imposed if you're late on your payments or exceed your credit limit. Penalty APRs can be significantly higher than the regular APR. In fact, a penalty APR can be as high as 29.99%.
In addition to paying the penalty APR, paying late may cause you to lose your introductory APR offer. Also note that even one late payment can hurt your credit.
Looking for a low-interest card? Compare Cards Now
When is it a good idea to apply for a 0% APR offer credit card?
Even if you're not looking for another credit card, discovering new credit card offers for a 0% intro APR can be incredibly exciting.
After all, it could mean you don't have to pay interest on purchases for a certain period of time. But is taking advantage of a 0% intro APR offer the right decision for you?
Before you rush off to apply for a 0% intro APR card, make sure you understand how the offer works, as well as how you plan to use the card.
Looking for a low-interest card? Compare Cards NowTypes of 0% APR offers
A purchase APR, or annual percentage rate, is the interest rate applied to your purchases if you carry a balance on your credit card. A credit card offer may boast a 0% intro APR, but it may not apply to both balance transfers and purchases.
To find out the specifics of the card you are considering, check the terms and conditions listed on the credit card agreement and a summary of the costs of the credit card listed in a table format (also known as the Schumer box). You can find the Schumer box in credit card agreements.
0% Apr Definition
One type of 0% APR offer is for purchases. A 0% introductory purchase APR means you won't be charged interest on your purchases for a certain period of time as determined by your credit card company. In order to take advantage of this offer, you'll need to make at least the minimum payments due on your statement.
For example, if you receive an offer for 12 months, you won't be charged interest for 12 months on items you've purchased in the first year of your account opening. However, any benefits of this offer may be contingent on you paying off your balance in full by the end of the introductory period.
Another type of 0% APR offer is for balance transfers. A 0% introductory APR offer on balance transfers means you're not charged interest on a balance you transfer from another credit card. This type of offer also comes with a temporary introductory period.
Is it really 0% APR?
In order to tell if a card offers 0% intro APR, you'll need to scrutinize the fine print.
Even if a card offers a 0% intro APR, you may still have to pay interest on some things. For example, if your 0% intro APR offer was for balance transfers only, then any new purchases on your card may be charged interest unless you pay off your balance in full each month by the due date.
After the introductory period ends, your balance and any new purchases will be subjected to the regular APR (the national average as of June 24, 2017, is 15.96%). This could negate the savings from transferring your balance if you do not pay it off during the introductory period.
You'll also need to watch for penalty APRs, which are imposed if you're late on your payments or exceed your credit limit. Penalty APRs can be significantly higher than the regular APR. In fact, a penalty APR can be as high as 29.99%.
In addition to paying the penalty APR, paying late may cause you to lose your introductory APR offer. Also note that even one late payment can hurt your credit.
Looking for a low-interest card? Compare Cards NowWhen is it a good idea to apply for a 0% APR offer credit card?
If you can make the minimum payments to keep the introductory offer, there are a few scenarios when you may want to get a 0% intro APR card.
You want to pay down high-interest credit card debt
High-interest balances can be difficult to pay down, but making a balance transfer with a 0% intro APR card could help ease the burden. Doing so can help you focus on paying off your debt as quickly as possible, ideally during the introductory period.
Keep in mind that some cards will require you to request a balance transfer within a certain timeframe of account opening, so check to see if this is the case.
One more thing to note: Balance transfers are typically subject to a fee — often between 3% and 5% of the balance.
You have a large purchase
Whether you're saving for a vacation or a major appliance, or you get struck with an unexpected emergency, a credit card with a 0% intro purchase APR can be a handy tool.
Using this credit card can help ease the burden of paying a large amount at once. It can also help you avoid taking out a personal loan, which you may have to pay interest on. Instead, you can parcel out your payments throughout the introductory period without having to pay any interest.
However, this option only works to your advantage if you pay off the balance before the introductory offer ends. Otherwise, you will have to start paying interest on the remaining balance moving forward. To avoid this, make a plan to pay off the card before the introductory offer is over.
Credit Cards 0 Apr First Year
Keep in mind that there is a chance you may get denied when applying for a new credit card. Also, if you apply to a card, you will have a hard inquiry on your credit reports. Too many of these within a short timeframe could result in lowering your credit scores.
Credit cards with great 0% intro APR offers
Chase Freedom Unlimited®
From our partner0% Apr On Balance Transfers
Chase Freedom Unlimited®
Airlines Credit Cards 0% Apr First 18 Months
4.0/5
Credit Cards With 0% Apr First Year
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