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0% intro credit cards APR

Numerous credit cards offer low-interest rates, but there are some that have 0% introductory interest rates for a specified time period; these cards are known as 0% intro credit card APR. 0% intro APR credit card offers no interest rate for a maximum of 21 months. You can also find free credit cards with no annual fee, transaction free or intro APR. Some of these popular cards are Chase Freedom Unlimited®, HSBC Gold Mastercard® credit card, Bank of America® Cash Rewards credit card, Capital One® Quicksilver® Cash Rewards credit card, The Amex EveryDay® credit card from American Express, etc.

So, to simplify your search for the next 0% intro APR credit card, here are a few handy tips. Take a look!

How to use 0% intro APR credit cards?
If you are wondering what is a good APR for a credit card, there are a few things that you should keep handy before choosing one.

Balance transfer fee
Make sure to use the balance transfer accurately. Mostly, the credit card will have a balance transfer fee that ranges between 3% and 5%, and one must ensure to benefit even with the balance transfer fee.

Terms and conditions
It is important to read the terms and conditions before you get a 0% credit card APR. Make sure that you know about all the transfer and purchase options. Know your preferences well so that you can pick the best card.

Plan your payoff strategically
One needs to figure out the number of months it will take to pay off the debt. So, research beforehand to get the perfect credit card with the right terms.

Payoff on time
Do not keep your debts pending. It is necessary to pay off the debts as soon as possible as late payments or dues hamper your credit score.

Avoid any new purchase
It is best to avoid any new purchases on your credit card unless you strategically plan your spending and payments. In case your card does not have the option of a purchase intro APR, it is best to avoid any new charges on the card as it will keep on adding extra interest charges on the same.

Keep the card active
Use your old card correctly and always remember to pay off the debts each month. This will help to keep your account active.

What is the best thing to do once your 0% interest period is over?

Avoid transferring to a new card
Do not transfer to a new card once the offer of 0% intro APR ends. Transferring the credit card balance would allow lenders to see view your transactions, which might put you at risk.

Keep your card
Once you pay off the debt, do not close the account. However, you can always deposit a small amount every month and pay off the dues in full to keep your credit card active. Doing so will help build your credit.

Does the card have an annual fee?
If your card has an annual fee, which is not counterbalanced by rewards, you can close the account. However, closing the account with a credit card balance can hamper your credit score.

When can you benefit from a 0% APR credit card?

If you have some major purchases in line, then a 0% intro APR would be a great pick.
Consolidate your debt and place multiple balances on your 0% APR credit card and make a one-time payment
One of the common uses of this credit card is its feature to transfer the balance from a high credit card interest rates to a 0% APR card
0% intro APR credit cards help you to pay for emergencies such as medical expenses.
Once the debt of the card is over, look for additional rewards cards has to offer. These rewards can be worth hanging on to, once the balance is paid off.

Which are the popular cards with 0% credit card APR?
Some of the best 0% credit cards for APR are:

Chase Freedom Unlimited® credit card
Blue Cash Everyday® Card from American Express
HSBC Gold Mastercard® credit card
The Amex EveryDay® credit card from American Express
Wells Fargo Platinum Visa® Card

Once you’ve have taken a look at what is a good APR for credit card, you can check out credit cards for fair credit and what is a balance transfer credit card !

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