I have a credit card with 0% APR for the first year. What ... - Reddit

Q: What is a 0% APR credit card?

A credit card with an introductory 0% APR period can save big on interest if you have a major purchase coming up. The best zero-percent cards include options with long intro periods, and many offer rewards and sign-up bonuses.

Q: Is 0% APR worth it?

Whether 0% APR is worth it depends on your financial goals and habits. If you can pay off or significantly pay down your credit card balance during the 0% APR period, getting a credit card with this offer can save you some serious money and keep you from paying unwanted interest.

Q: When should I apply for a 0% APR credit card?

You should apply for a 0% APR credit card if you need months to pay off a major purchase because it can save you a lot of money on interest. Anyone who currently has high-interest debt should also consider doing a balance transfer to a 0% APR credit card.

Q: What is the best credit card with a 0% APR?

Chase Freedom Unlimited® is the best credit card with a 0% APR for 15 months. This card offers an introductory rate of 0% for 15 months on new purchases and balance transfers.

Q: Does a 0% APR credit card save you money?

Many or all of the products on this page are from partners who compensate us when you click to or take an action on their website, but this does not influence our evaluations or ratings. Our opinions are our own. A zero-percent or 0% APR credit card saves you money by stopping the clock on interest for a year or more. Got a big expense coming up?

Q: How do I find the best 0% APR credit card offers?

To identify the best 0% APR credit card offers, WalletHub editors routinely compare 1,500+ credit cards and calculate the expected costs/savings for the average cardholder when paying off a purchase of $5,000 over the course of 24 months.

Credit Building. Credit Reports. Credit Scores. Credit Cards. I am a bot, and this action was performed automatically. Please contact the moderators of this subreddit if you have any …

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I Have A Credit Card With 0% APR For The First Year. What ... - Reddit

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Credit Building. Credit Reports. Credit Scores. Credit Cards. I am a bot, and this action was performed automatically. Please contact the moderators of this subreddit if you have any …

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Best Card For 0% APR On Purchases For First Year : R/CreditCards

2 weeks from now

Wells Fargo 0% APR is for the first 15 months and Citi is 18 months. The Chase Freedom cards are also great options if you specifically choose the “double cash-back at the end of your first …

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How To Utilize Cards With Introductory 0% APR : R/CreditCards

2 weeks from now

I am new to credit card churning. I normally pay off my cards in full every month using an automatic EFT to avoid any interest at all. But with the ability to get high interest in money …

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Best 0% APR Credit Cards Of January 2025 – Forbes Advisor

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Jan 24, 2025 · The best 0% APR credit cards usually require good or better credit to qualify, as it’s quite risky for an issuer to lend you money for a period of 12 or more months without …

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13 Best 0% APR Credit Cards Of February 2025 - CNBC

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4 days ago · CNBC Select compares the best 0% APR credit cards with no interest for up to 21 months, ... Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent …

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Does 0% APR Actually Work? What's The Catch?

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Dec 5, 2024 · Like, with a credit card you might get 0% for the first 12 months, but then after that they'll hit you with 30% when the average would've been 18% if you had just gone the normal …

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How Do Intro 0% APR Credit Cards Work? : R/CreditCards - Reddit

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A 0% credit card does not excuse you from making monthly payments, but it can save you from interest charges when they would normally be added to your bill. Specifically, a 0% card won’t …

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Best 0% APR Credit Cards Of February 2025 (Compared) - WalletHub

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2 days ago · Why We Like It: The Citi Simplicity® Card is the best 0% APR credit card for balance transfers because it offers an intro APR of 0% for 21 months on balance transfers, along with …

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Best 0% APR Credit Cards Of 2025 | CreditCards.com

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4 days ago · Best 0% APR Credit Cards of 2025. Wells Fargo Reflect® Card – 21 months 0% intro APR on purchases and qualifying balance transfers from account opening More …

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9 Best 0% APR And Low-interest Credit Cards Of January 2025

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Typically, this period lasts between 12 and 18 months, though some cards offer even more time than this to pay down balances. Although we don’t recommend carrying a balance on your …

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7 Best Credit Cards Reddit Users Recommend (Jan. 2025)

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Jan 2, 2025 · 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. ... Get 10,000 bonus miles (equal to $100 towards travel) every year, …

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The Pros And Cons Of Zero Percent APR Credit Cards - MSN

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Related: Why the Chase Freedom Unlimited should be the first card in every student's wallet. ... Of course, a 0% APR credit card does have some drawbacks. 0% doesn't last forever.

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Is It Worth Getting A 0% APR Credit Card To Manage Holiday …

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Oct 16, 2024 · With the holidays coming up, I’m considering getting a 0% APR credit card to handle the extra expenses without paying interest for the first...

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All Credit Cards Are 0% APR... : R/CreditCards - Reddit

2 weeks from now

I have a care credit for this very reason. Yes, it's not used much, but most vets have promos that are 6+ mo 0 apr. Is it the best card, no. But it saved my ass when my dog needed $8000 in …

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Has Anyone Actually Received Approval For 0% APR?

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Oct 28, 2024 · 810 FICO, <1% utilization. 15 credit cards with great history. Got denied. I tried to reach out the finance department. They told me since I don’t have any loan or mortgage …

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Is Opening A New Credit Card The Only Easy Way To Get Access

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There are several credit cards which offer 6-18 months of 0% APR as an introductory offer. Keep in mind that even the 0% APR offers have fine print about an upfront fee for balance transfers …

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0% APR Credit Card: 5 Questions To Ask Yourself - NerdWallet

2 weeks from now

Dec 14, 2014 · Get valuable rewards, flexible redemption options, a lengthy 0% introductory APR period and a sign-up bonus that’s worth more than most cash-back cards offer — all for an …

nerdwallet.com

FAQs about I have a credit card with 0% APR for the first year. What ... - Reddit Coupon?

What is a 0% APR credit card?

A credit card with an introductory 0% APR period can save big on interest if you have a major purchase coming up. The best zero-percent cards include options with long intro periods, and many offer rewards and sign-up bonuses. ...

Is 0% APR worth it?

Whether 0% APR is worth it depends on your financial goals and habits. If you can pay off or significantly pay down your credit card balance during the 0% APR period, getting a credit card with this offer can save you some serious money and keep you from paying unwanted interest. ...

When should I apply for a 0% APR credit card?

You should apply for a 0% APR credit card if you need months to pay off a major purchase because it can save you a lot of money on interest. Anyone who currently has high-interest debt should also consider doing a balance transfer to a 0% APR credit card. ...

What is the best credit card with a 0% APR?

Chase Freedom Unlimited® is the best credit card with a 0% APR for 15 months. This card offers an introductory rate of 0% for 15 months on new purchases and balance transfers. ...

Does a 0% APR credit card save you money?

Many or all of the products on this page are from partners who compensate us when you click to or take an action on their website, but this does not influence our evaluations or ratings. Our opinions are our own. A zero-percent or 0% APR credit card saves you money by stopping the clock on interest for a year or more. Got a big expense coming up? ...

How do I find the best 0% APR credit card offers?

To identify the best 0% APR credit card offers, WalletHub editors routinely compare 1,500+ credit cards and calculate the expected costs/savings for the average cardholder when paying off a purchase of $5,000 over the course of 24 months. ...