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Finding a Zero APR Credit Card

Let's start with the bad news. There's no such thing as a valid, legitimate zero APR credit card. Think about it; the only way that a bank could afford to do this would be to have it be a pre-paid card (in which case you've already paid and they're earning interest on your money) or a debit card where, again, the money is already in their account. If someone else tells you they have a zero APR card, you'd best pay very very close attention to the small print.

Nonetheless, there are some low interest rate cards available, both those that have a very low introductory rate (and then jump up to 21% or higher, beware!) and those that just have a low interest rate but combine the low APR with a high annual fee.

One Zero APR credit card that we recommend is the Amazon.com Platinum Visa Card:
  • $20 automatic discount on your first qualifying Amazon purchase
  • No annual fee
  • Instant approval
  • Free rewards that quickly generate Amazon gift certificates
  • 0% APR for six months on purchases and balance transfers, then a low variable rate afterwards (currently 13.24%)
Apply Online for an Amazon.com Platinum Visa Card

Here are some choices in this segment:

CardBrandPromotional APRAPRAnnual Fee
Huntington Prime Rate Platinum Visa, MasterCard 4.0%$75
TNB Prime Plus Platinum MasterCard 4.25%$50
Wells Fargo Prime Rate Visa 4.25%$79
First Tennessee Platinum Premier Visa3.9%5.9%none
TNB Branch Price Platinum MasterCard 6.25%none
GE Capital Expedia Corporate Travel Business MasterCard 6.6%none
Wells Fargo Platinum Visa0.0%7.15%none
Bank of America Anne Geddes Visa1.9%7.24%none
Amalgamated Bank of Chicago Gold Plus MasterCard 7.25%$45
Amalgamated Bank of Chicago Standard Plus MasterCard 7.5%$37

To identify any of these actual offers online, use google to search for the name of the card and add +application for best results.

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Don't miss College Finance's sister sites with their award-winning unbiased information on post-graduation financial topics:
Real Life Debt
Real Life Debt Blog
    (the weblog)

And while you're reading this far down the left column, check out the latest College News:



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