Apply for the best APR credit card which offers a 0% introductory rate

When applying for a credit card always go for the card that offers the 0% introductory rate for 12 or more months. Just make sure the regular apr is something you can work with.

Compare these 0% introductory rate apr credit cards

Apply here - This visa credit card has the best rewards combined with the  0% offer. You have four choices in how you earn your rewards, merchandise,  travel points, earn airline tickets, hotel stays or car rentals. Cash back and gift cards. Chase  visa has a 0% Intro APR for up to 12 months. The time lenght may not be as good as others but the rewards are better.

0% introductory rate apr master card - Chase has a pretty good offer if your credit is not perfect. The intro period is for up to 12 months. The time period for the introductory APR and the balances to which it will apply will be based on our review of your application and credit history.

Apply here - If you have good credit blue from american express is the best offer. Their 0% APR is for up to 15 months and they have a low balance transfer APR of 4.99% fixed APR for the life of the balance.

 
What do we consider the best 0% apr card offer?

As a consumer card or for everyday purchases the chase flexible rewards is the best offer so far.

• For business purposes Advanta has the lowest fixed APR which is good for life of the balance. There is no other small business credit card  with this kind of offer. Go here to read more about the life of balance apr credit card.

The tricky part in keeping the 0% intro rates is dependant on how good you are at paying your bill on time. If you are even one day late you could have your credit rate increased.

0% isn't the only number you need to be concerned with because after a time usually 6 to 12 months the 0% introductory apr is going to be over and then you need to be concerned with the regular annual interest rate. You should also take a close look at any rewards and benefits you would receive from the card.

American express, visa and mastercard all have good offers but each is a little different in the apr and the rewards that go with the credit card. Another consideration is the balance transfer interest rate and if it is low enough to warrant transferring your credit card amount over. You can review low interest rate cards here.

Best offer is the 0 introductory apr

APR or annual percentage rate is the rate that is charged to your account if your minimum payment is received after the due date. If there is a variable rate it is calculated based on the prime rate reported by the wall street journal index.

When the index changes the new variable rate will take effect with billing cycle that ends on or after the first day of the month after the change.

For instance if the prime rate is used to determine the apr was 9% which added to the normal spread of 9.99% your rate would be 18.99%.

This is why the reported APR rate and the length of the introductory time is so important when you apply for a credit card. It can save you a lot of money in the long run.