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Advertising Disclosure *Advertising Disclosure: SmartCreditChoices.com is an independent, advertising-supported comparison service. SmartCreditChoices.com receives compensation from the credit card issuers whose credit card offers appear on the website. The compensation may impact the order in which they appear within listing categories. SmartCreditChoices.com does not include the entire universe of available credit or financial offers.

About Editor's Picks: Our editor selects credit cards based on the features the credit card offers consumers, including introductory rates, fees, long term interest rates, and its relative value compared to competing offers. While this site receives remuneration from credit card companies, our rankings strive to objectively provide consumers with relevant, unique options.

 

Smart Credit Choices is more than just a directory of online credit card applications. At our website, we provide editorial insight to help consumers find the best credit card offers online. Whether you're looking to take advantage of a money saving 0% balance transfer, a no fee rewards credit card or a lower interest rate, we provide the information necessary to make an informed decision. Once you’ve found the best credit card for your needs, you can apply online for fast approval via links to secure, SSL encrypted credit card applications.

At Smart Credit Choices, we believe choosing a credit card is an important financial decision. Our goal is to help you save money with credit cards and we encourage you to take advantage of 0% APR credit card offers to maximize savings and minimize the money you would otherwise waste on interest payments.

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Featured Offer

CHASE SLATE®



Intro APR on Purchases

Intro APR on Transfers

Regular APR

Annual Fee

Credit Type

0% for 15 months*
0% for 15 months
12.99% - 22.99% (Variable)*
$0
Excellent


Key Features
  • Pay less interest. Save on balances and new purchases
  • $0 introductory balance transfer fee for transfers made during the first 60 days. After that, the fee for future balance transfers is 3% of the amount transferred with a minimum of $5.
  • 0% Introductory APR for 15 months on purchases and balance transfers. After the introductory period ends, a variable APR of 12.99%, 17.99%, or 22.99%.
  • $0 Annual Fee
  • Best 0% Offer in 'Crowning 2013's Best Credit Card Offers' (January 14, 2013) -Forbes Online
VIEW ALL FEATURES

Additional Features
  • Pay less interest. Save on balances and new purchases
  • $0 introductory balance transfer fee for transfers made during the first 60 days. After that, the fee for future balance transfers is 3% of the amount transferred with a minimum of $5.
  • 0% Introductory APR for 15 months on purchases and balance transfers. After the introductory period ends, a variable APR of 12.99%, 17.99%, or 22.99%.
  • $0 Annual Fee
  • Best 0% Offer in 'Crowning 2013's Best Credit Card Offers' (January 14, 2013) -Forbes Online
Apply Now

 

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Learn About 0% APR Credit Card Offers and Online Credit Card Applications
0% APR Credit Card Offers
With a 0% APR credit card, consumers can avoid paying interest on new purchases or pre-existing credit card debt for up to 24 months. Compare offers and learn more about 0% APR credit cards.
Balance Transfer Credit Cards
0% Credit Card Offers - Pay No Interest for 1 Year
The right 0% APR balance transfer credit card can help you save money on interest and get out of debt faster. Compare offers and learn more about balance transfers.
Best Credit Card Offers
Best Credit Card Offers
Every month, we rank the best credit card offers from every major credit card company to help our visitors easily locate the most generous 0% interest and rewards cards on the market.
Cash Back Credit Cards
Consumers who desire easy to use rewards with no annual fees will likely find that cash back credit cards offer the best value. Research and compare cash back credit cards.



LEARN ABOUT

  • Evaluating credit card offers
  • Avoiding fine print tricks
  • Finding the right credit card

    SEE HOW

  • 0% credit cards save you money
  • Cash back credit cards work
  • Credit card applications differ

    GET INFORMED on

  • Recent credit card trends
  • Credit card offer updates
  • Balance transfer promotions Learn About Credit Card Offers
  • Compare credit card offers Learn About Credit Card Applications

    Ideas to Help You Find the Best Credit Card Offers


    The Current State of 0% APR Credit Cards: This analysis of the 0% APR credit card market takes a look at what the top six credit card companies in the U.S. are currently offering consumers seeking 0% interest rates. Presently, the longest introductory rate on both purchases and balance transfers lasts 21 months.

    Cash Back Credit Card Trends: Although credit card companies continue to boldly advertise 5% cash back rewards, these offers tend to come with a big catch. With most of these cards, you can only earn 5% cash back in rotating categories and there are often limits imposed on what you can earn. Because of this, cash back cards with straightforward 2% cash back in key spending categories likely offer the best value, unless a sizable up front bonus is provided.

    What Type of Rewards Credit Card is Best for You: Credit card companies love rewards cards because consumers with rewards cards historically spend more than those who use no-frills platinum cards. However, if you can resist the urge to overspend a rewards card can offer significant benefits. The key to finding the right card is to evaluate your spending and stay away from offers with annual fees unless you are a high roller. Find out how much you can earn with our credit card rewards calculator.

    Balance Transfer Credit Card Market Overview: Credit card companies have vastly increased the length of 0% APR balance transfer credit card offers over the past six months. Just one year ago, getting a 0% APR for 12 months was a difficult task. Today, a handful of credit cards offer 0% rates on balance transfers for 15, 18, and even 21 months. Find out if a balance transfer can save you money by testing out our balance transfer calculator.

    Deciphering Low Interest Credit Card Applications: Finding a low interest credit card is not as easy as it may appear at first glance. Nearly all credit card offers come with multiple interest rates and the difference between the highest and lowest rate offered can be substantial, as in ten full percentage points. This article examines how to evaluate a low interest credit card offer.


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    *Advertising Disclosure: SmartCreditChoices.com is an independent, advertising-supported comparison service. SmartCreditChoices.com receives compensation from the credit card issuers whose credit card offers appear on the website. The compensation may impact the order in which they appear within listing categories. SmartCreditChoices.com does not include the entire universe of available credit or financial offers.

    About Editor's Picks: Our editor selects credit cards based on the features the credit card offers consumers, including introductory rates, fees, long term interest rates, and its relative value compared to competing offers. While this site receives remuneration from credit card companies, our rankings strive to objectively provide consumers with relevant, unique options.

    Editorial Note: This content is not provided by the credit card issuer. Opinions expressed here are author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

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