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0% Interest Credit Cards - Finding 100% Pure Value
For some consumers, finding a credit card offering a low introductory rate is the most important aspect of shopping for credit. This could be because you have an imminent need for a card, and intend to pay the purchases back by the end of the year. Whatever the reason, there are a few good credit card companies offering 0% APR for the first year or so, and here we will take a look at three of them that offer not only an attractive introductory offer, but continue to offer decent rates and quality rewards programs past the initial offer.
Noted as one of the finest credit cards in the world, and strictly for those with a good to excellent credit history, Blue from American Express offers 0% APR for the first twelve months, allowing you ample time to make purchases and pay them back without ever paying a dime in interest or fees. This is an excellent credit card for those looking for a sterling introductory offer, as well as those looking for a good rewards program.
Blue from American Express allows you to qualify for the Fee-Free Rewards program, which lets the consumer earn points toward travel, dining, and merchandise. There is no expiration date on the points earned, which makes this an ideal choice for those who are tired of scrambling each year to earn enough points to buy something nice. If you choose to transfer any outstanding credit card balances to the American Express Blue card, you can expect a low 4.99% interest rate for the life of the balance, making this card ideal for those who need to get out from under crushing interest rates of a competitive credit card.
Chase PerfectCard Platinum MasterCard
The name is a mouthful, but this card packs as much punch as its wordy moniker promises. With an introductory APR of 0%, this is another in the fine class of credit cards with enticing up front offers. Unlike American Express and many of the other credit card companies, however, Chase promises no particular time frame on the introductory rate.
This is determined by a review of your credit history and application. In addition to the 0% introductory offer, the Chase PerfectCard Platinum MasterCard offers a chance to earn rebates at the gas station, which are then credited to your monthly statement, rather than building up to the end of the year. It also offers up to a 1% rebate on all purchases made anywhere. There are no annual fees.
Citi Diamond Preferred Card
Like the American Express Blue card, the Citi Diamond Preferred Card offers a 12 month period with a 0% APR. There are no annual fees with the Diamond Card, and it promises a bonus 6,000 point in its Thank You Points program after you make your first purchase with the credit card. These points can be redeemed at nationwide stores such as Home Depot, Toys R Us, Starbucks, and more. You'll also be able to earn points through purchases made at grocery stores, drugstores, and gas stations.
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