In the past year, the major credit card companies have changed the terms on 0% APR offers. A few months ago, the top promotional intro period offer was 6 months. However, in Q4, Citi and Discover have begun increasing the intro period back to 12 months. This is great news for consumers with good credit. There may still be changes ahead, so it's important to try and lock-in a 12 month rate before the the promotional periods are further reduced. Before transferring any balance, make sure to confirm the period after receiving your credit card by mail.
LOCK-IN Now! Below are credit cards which offer a low 0% promotional interest rate and an ongoing low regular APR so that you can start saving on interest today.
| Intro APR: | 0% |
|---|---|
| Regular APR: | As Low As 11.99% (V) |
| Annual Fee: | None |
| Intro Period: | Up to 12 Months |
|---|---|
| Balance Transfer: | Yes* |
| Credit Needed: | Good |
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| Intro APR: | 0%* |
|---|---|
| Regular APR: | 11.99% - 19.99%* |
| Annual Fee: | None |
| Intro Period: | 12 Months* |
|---|---|
| Balance Transfer: | Yes* |
| Credit Needed: | Excellent |
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| Intro APR: | 0% |
|---|---|
| Regular APR: | As low as 13.24% Variable |
| Annual Fee: | None |
| Intro Period: | up to 12 Months |
|---|---|
| Balance Transfer: | Yes* |
| Credit Needed: | Excellent |
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| Intro APR: | See Terms* |
|---|---|
| Regular APR: | As Low As 15.24% |
| Annual Fee: | No Annual Fee |
| Intro Period: | See Terms* |
|---|---|
| Balance Transfer: | Yes* |
| Credit Needed: | Excellent |
Don't know your Credit Score? Click here
| Intro APR: | See Terms* |
|---|---|
| Regular APR: | As Low As 17.24% |
| Annual Fee: | No Annual Fee |
| Intro Period: | Up to 12 Months |
|---|---|
| Balance Transfer: | Yes* |
| Credit Needed: | Excellent |
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| Intro APR: | 0%* |
|---|---|
| Regular APR: | 11.99% - 19.99%* |
| Annual Fee: | None |
| Intro Period: | 6 Months* |
|---|---|
| Balance Transfer: | Yes* |
| Credit Needed: | Excellent |
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| Intro APR: | N/A |
|---|---|
| Regular APR: | 14.99% or 21.99% V |
| Annual Fee: | $0- $59* |
| Intro Period: | N/A |
|---|---|
| Balance Transfer: | No |
| Credit Needed: | Fair |
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| Intro APR: | N/A |
|---|---|
| Regular APR: | 13.24% |
| Annual Fee: | $495 |
| Intro Period: | N/A |
|---|---|
| Balance Transfer: | Yes* |
| Credit Needed: | Excellent |
Don't know your Credit Score? Click here
1. For most "low interest credit cards", there are two rates. The rate which tends to be the most appealing to potential credit card applicants is the introductory rate offered on purchases and transfers - this tends be either 0% or in the single digits. Therefore, you should determine or make a note of what is the interest rate being offered for the introductory period (e.g. 12 months) and what interest rate is being offered after that time - the regular interest rate.
2. What is your approximate credit score. If you have a good idea, then you probably don't need to submit for a copy of your credit report. However, your regular rate is determined based on your credit history. Sometimes people expect to get the advertised rate, typically the lowest interest rate offered, and they end up with a higher rate because the credit card company didn't qualify their credit score their lowest consumer rate tier.
3. Don't miss your minimum monthly payment, otherwise your introductory rate will turn into your regular interest rate.
Save even more, by transferring all of your high interest rate balances to a zero or low fixed rate apr credit card for 6 months. The Wall Street Journal also gives recommendations for how to cash in on 0% offers. For more information about low interest credit cards, we have specific articles on fixed rate credit cards, low apr credit cards, low interest cards with no fees, and how cash advances relate to low interest credit cards.
Other resources which are extremely helpful for offering a guide on credits cards are listed below:
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