
With increased competition in the credit card industry, companies are looking for all means to entice customers. In the recent past, low interest credit cards have become more common than they used to be a few years ago. They are as a result of credit card companies trying to outdo each other.
If your credit score is good, you are likely to have received an invitation from a number of credit cards offering you 0 interest credit cards. Apart from the zero interest, the same cards still offer bonuses. However, to qualify for the bonus, you are required to spend a certain amount of money within 3 months of subscribing to the card.
In most cases the card companies offer you the interest free credit card for a period of up to 18 months before you start paying interest. To qualify for this offer, you must have a very high credit score and be considered a person with an extremely low chance of default.

If you are planning to make a large purchase such as furniture, you can make the purchase at the beginning of the zero interest period and ensure you repay the entire amount before the period elapses to avoid interest charges.
When you get the card, you should not be tempted to spend more than you usually do. This is because you might have a balance that rolls over to the end of the offer period and you will have to start paying interest for it.
To find out why some interest free credit cards are more popular than others, we carried out a survey on the leading 0 APR credit cards. The research revealed some of the offers the cards use to entice customers.

- Click “APPLY NOW” to apply online or call 866-582-0808
- One-time $100 bonus after you spend $500 on purchases within the first 3 months
- Earn unlimited 1.5% cash back on every purchase, every day
- No rotating categories and no sign ups needed to earn cash rewards
- Cash back doesn’t expire and there’s no limit to how much you can earn
- 0% intro APR on purchases until August 2015; 12.9%-22.9% variable APR after that
- Balance transfers also have a 0% intro APR until August 2015, a 3% fee applies to each balance transferred
- Pay no annual fee or foreign transaction fees
- Capital One® Credit Tracker—the free way to easily monitor your monthly credit score anytime, anywhere
Purchases | Balance Transfers | Regular APR | Annual Fee | Credit Needed | ||
---|---|---|---|---|---|---|
Intro APR | Intro Period | Intro APR | Intro Period | |||
0% | until August 2015 | 0% | until August 2015 | 10.90% – 22.90% (V) | $0 | Excellent/Good |

- 0% Introductory APR for 15 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 10.99% – 20.99% variable APR
- No annual fee
- The perfect card for those seeking a simple yet convenient-to-use credit card
- Our $0 Liability Guarantee, so you’re not responsible for any fraudulent charges made on your account
- Chip technology for enhanced security at chip-enabled merchant terminals
Purchases | Balance Transfers | Regular APR | Annual Fee | Credit Needed | ||
---|---|---|---|---|---|---|
Intro APR | Intro Period | Intro APR | Intro Period | |||
0%* | 15 billing cycles* | 0%* | 15 billing cycles for qualifying balance transfers* | 10.99% – 20.99% Variable* on purchases & balance transfers | $0 | Excellent Credit |

- Earn a $100 Bonus after you spend $500 on purchases in your first 3 months from account opening
- 5% Cash Back on up to $1,500 in combined purchases between October 1 — December 31, 2014 at Amazon.com, Zappos.com and select department stores
- Earn a $25 Bonus after you add your first authorized user and make a purchase within this same 3-month period
- 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 13.99%-22.99%
- You’ll enjoy new 5% categories every 3 months like gas stations, restaurants and Amazon.com. It’s free and easy to activate your bonus each quarter!
- Unlimited 1% Cash Back on all other purchases
- No annual fee and rewards never expire
- This offer is for people with a good to excellent credit history which means, among other things, that your credit history is clear of bankruptcy and seriously delinquent accounts
Purchases | Balance Transfers | Regular APR | Annual Fee | Credit Needed | ||
---|---|---|---|---|---|---|
Intro APR | Intro Period | Intro APR | Intro Period | |||
0% | 15 months | 0% | 15 months | 13.99%-22.99% (Variable) | $0 | Excellent/Good |
Leave a Reply