42 Credit Cards with 0% Purchase Offers
In my post about Discover’s 5% cashback for Home Improvement and Clothing purchases, commenter Kristen asked the following:
I’ve heard you mention that you put your tuition on a 0% interest card. I’m looking to start school in the fall and would like to do the same thing, can you recommend a card with an initial 0% interest for the first year? Thank you!
And no, I didn’t plant this question. But I have just a few options for you (about 42) and here they are by duration. Please read the Terms & Conditions for any card you may with to apply for. Also most of these cards are rewards or rebate cards.
0% for 15 months on Purchases
With the onset of people using balance transfers to make money, many credit card companies are removing the maximum fees they charge on balance transfers or purchases. The following 2 cards have fees capped at $99 per transfer). There’s no fee for purchases:
Blue from American Express® - No annual fee. Also it’s a rewards cards.
Blue for Business® from American Express - No annual fee. Also it’s a rewards cards.
0% for 12 months on Purchases
Some of the following cards are listed as business cards, but you can generally list yourself as a sole proprietor and use your SSN as your business ID.
American Express SimplyCash® Business Card
Chase Flexible Rewards Platinum Visa® Card
Chase Business Rebate Visa® Card
Chase Business Cash Rewards Card
Chase Free Cash Rewards(SM) Visa® Card
American Express® Platinum Business FreedomPass(SM) Card
The Platinum Business Credit Card
0% for 6 months on Purchases
Chase PerfectCard™ MasterCard®
IN:NYC® Card from American Express
IN:CHICAGO® Card from American Express
IN:LA(SM) Card from American Express
Blue Sky from American Express
Blue Cash® for Business Credit Card
Blue Cash® from American Express®
Discover® Student Card - Tropical Beach
Discover® Open Road(SM) Card for Students
Discover® Student Card - Monogram Collection
Discover® Student Card - Clear
Discover® More(SM) Card - Sealife Collection
Discover® More(SM) Card - Wildlife Collection
Discover® More(SM) Card - Clear
Discover® More(SM) Card- American Flag
Discover® More(SM) Card - Monogram
0% for 3 months on Purchases
TrueEarnings® Card from Costco and American Express
TrueEarnings® Business Card from Costco and American Express
Try one of these related posts too!:
- Is this site “One giant credit card advertisement”?
- Got too much credit card debt? Rotate It!
- Credit Cards Do Have Their Rewards
- Discover Business Card $100 Signup Bonus!
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I see the previous comment about the site being an advertisement for credit has been deleted. It does appear that you are pushing the idea of credit more and more lately, and advertising it.
@jiggypete, it wasn’t deleted. Rather, Spam Karma grabbed it back out for some reason. It’s been snatching comments all over my site today, so I think I need to change the settings.
I’ve been pondering a response to the comment, and I think I’ll respond with a full post instead since I want to be sure all of my readers see it.
I never put 2 and 2 together to realize that one of the reasons that credit card transfer maximums have gone away on a couple of cards is because of those people who use credit cards to make money!
Good insight, but now it makes me slightly annoyed at those people that do that when I am just using the 0% offer to increase the impact of my debt payments on my overall balance!
I am still mostly pissed at the companies though and I have 2 cards that operate that way right now. As soon as they are paid off they are either going to sit there idle to keep my credit score high, or get closed. I think other people should do the same before other credit card companies decide that this is the status quo and they follow along.
When I recently applied for a 0% offer for 12 months from Chase Platinum that was one of my deciding factors and a balance transfer many months ago to a Discover card was also based on this fact.