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U R @: Education Center : The Credit Crunch : Will the Credit Cruch End 0% Credit Cards


WILL THE CREDIT CRUCH END 0% CREDIT CARDS

Over the past year, credit card companies have been reacting to the credit crunch by making it increasingly more difficult for consumers to gain access to 0% APR credit cards.  Early in the year, a number of companies began raising fees on balance transfers.  More recently, credit card companies have reduced the duration of many 0% credit card offers from a full year on purchases and balance transfers to as little as 6 months.

In the coming months, the availability of 0% APR offers could continue to decline, making the 0% APR credit card one of many credit crunch victims.  At present, however, it is still possible to lock in a 0% APR on purchases and/or balance transfers for a full year or more. 

Below, you can compare current 0% credit card offers and apply online for approval.  By locking in a 0% APR today, you can gain peace of mind for the next year. 

CITI® PLATINUM SELECT® MASTERCARD®

  • 0% Intro APR on balance transfers for 18 months and 0% Intro APR on purchases for 12 months. After that, the APR will be 11.99%-19.99% based upon your creditworthiness. This APR will vary with the market based on the Prime Rate*
  • Extra Cash from Citi: enjoy discounts on gift cards,travel, merchandise and more
  • Citi® Identity Theft Solutions
  • Secure, free online account management
  • No annual fee

Intro APR on Purchases

Intro APR on Transfers

Regular APR

Annual Fee

Credit Needed

0% for 12 Months*
0% for 18 Months*
11.99-19.99% Variable*
None
Good

DISCOVER® MORE CARD

  • 0% intro APR on balance transfers for a full 15 months, then the Regular APR
  • 0% intro APR on purchases for a full 6 months, then the Regular APR
  • 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
  • Up to 1% unlimited Cashback Bonus on all other purchases
  • No Annual Fee

Intro APR on Purchases

Intro APR on Transfers

Regular APR

Annual Fee

Credit Needed

0% for 6 Months*
0% for 15 Months*
11.99% - 20.99% (Variable)*
None
Good

CITI CASHRETURNS® CARD

  • 0% APR on balance transfers for up to 18 months*
  • Important Editor's Note: The 0% rate on this card lasts either 7, 12, or 18 months, based on a review of your application and credit profile.
  • Earn a full 2% cash back on all purchases for the first 6 months and 1% cash back thereafter
  • Earn cash back on eligible cash advances and balance transfers
  • Average 5% cash back at over 400 leading retailers through the Citi Bonus Cash Center
  • No annual fee

Intro APR on Purchases

Intro APR on Transfers

Regular APR

Annual Fee

Credit Needed

0%
Up to 18 Months
As Low As 12.99% Variable
None
Good

How Much Can You Save with a 0% APR on Balance Transfers

If you're carrying a balance on your credit cards, one of the easiest way to save money is with a 0% APR balance transfer.  For example, a person with a $5000 balance on a credit card that charges 14% interest can save close to $700 on interest in one year.  That's a lot of money for most of us, and saving this money can be accomplished online in less than 20 minutes. 


Read more related articles: The Credit Crunch

 

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*Important Disclaimer: See online credit card applications for complete details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the “Apply Now" button, you can review the credit card terms and conditions on the issuing company's website.
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