Those balance transfer mailings gets pretty annoying but it’s not so bad when they offer 0% APR and 0% Fee. Let me show you how to take advantage of it. .
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This is a short video roundup of our picks for the best no interest credit cards for 2016.
http://www.bestprepaiddebitcards.com – In this video, we discuss our top picks for the best no interest credit card offers for 2016. For this video and article, we are considering “No Interest” credit cards as cards that offer 0% APR for BOTH purchases and balance transfers. These cards perform double duty. They allow you to transfer balances and make new purchases interest free, although there may be a balance transfer fee involved depending on the card. Most nationally available cards carry a balance transfer fee.
Our top pick, Chase Slate, currently offers 15 months for purchases and balance transfers and no balance transfer fee. It is well worth checking out if that time frame works for you.
If you are expecting a large purchase or planning for substantial purchases, these cards 0% introductory purchase APR can be a big help. With the holidays around the corner, you may foresee some expenses coming up, and it would be nice to be able to defer the payment a bit with 0% interest along the way.
For those who are looking to transfer existing balances, we tell you about some cards that can provide a break from your current interest rates to 0% for up to 21 months. Transferring your balances to one of these cards can give you the pause time from interest charges to help pay down your debt faster.
One of our favorite balance transfer tips is to determine how many months you should target for your 0% interest break. Take your total balance and divide it by the number of months at the promotional rate. For example, ,000 for 12 months. You could pay that off in 12 months with monthly payments of 0. If you determine you need a smaller monthly bill, look for a card offering 15, 18 or 21 months. If it is not doable on current offers, find the longest time period you can qualify for and pay on it the best you can during that time. With that in consideration, you will also want to look at the non-promotional rate, as that is the rate you will pay after the promo time period.
We will post the link to the full article once it is live, so if you are interested in leaning more, please check it out.
You can also download our full list of cards mentioned in the article in our PDF of the Best No Interest Cards.
Please ask us your questions in the comments below. If you already have experience with making purchases with 0% cards or transferring balances, we would love to hear from ou. Please let us know in the comments below your favorite credit cards and your experience with transferring balances, whether good or bad. What cards do you recommend? If you have transferred balances multiple times, did you ever experience any problems along the way or any roadblocks? If so, were you able to resolve those roadblocks by calling the company directly?
We wish you the best in picking out the no interest credit card that works the best for you.
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