Zero percent credit cards means you don’t have to pay interest fees on purchases and balance transfers during a promotion period. This can help you save money as you will be paying lesser bill without the interest charges. There are several credit cards offering a long intro period that lasts until 2017 or even 2018 on both purchases and balance transfers. The following are the top 3 credit cards which you can apply to enjoy zero percent interest until 2017.
1. Citi Simplicity
Citi Simplicity is offering one of the longest 0% APR intro period that lasts for as long as 21 months for both purchases and balance transfers. This means that you will pay no interest on your credit card balance well into 2018. After the 21 months comes to an end, you will be assigned an APR rate that ranges in between 13.24% – 23.24% and the APR rate will be determined by your credit score. There is a 3% ($5) balance transfer fee. You can choose to pay your credit card bill at a due date that is in the early, middle or late in the month. You get to enjoy extended warranty on everything you purchase with the card and no liability to any unauthorized charges that occur on your account.
2. Citi Diamond Preferred
Citi Diamond Preferred also offers 0% APR for up to 21 months on both purchases and balance transfer. The variable APR rate that is charged onto your account at the end of the introductory period is lower compared to the previous card and ranges from 12.24% – 22.24%. You must pay a balance transfer fee of 3% ($5) everytime you transfer the balance. The advantage of this card is that you automatically become qualified for Citi Private Pass, which gives you free entrances to concerts, sports events and movie previews. It offers damage and theft purchase protection for up to 120 days in addition to the extended warranty and $0 liability on unauthorized charges. The card offers 24/7 personal concierge service to provide assistance on all kinds of needs.
3. Chase Slate
Chase Slate don’t requires you to pay any APR interest fee for the first 15 months. However, you will get charged with a variable interest rate of between 13.24% – 223.24% afterwards. You can save money on the balance transfer fee if you quickly have your balance transferred in the first 60 days. It does not have any annual fee or penalty APR rate. Chase Slate has been voted as the best card for balance transfer for 4 consecutive years at InnovativeFinance. The card offers fraud, purchase and price protection. It has an embedded chip that will automatically generate a one time code for you to give permission for the transaction to go through.
Searching for the best credit card offers for all of 2017, check out Best Credit Cards website to get up to date list of rewards, travel, balance transfer and zero percent card promotions from leading banks.