Zero Percent Credit Cards

Zero Percent Credit Cards are cards issued to customers with good credit rating. The period of zero credit can stretch to very long periods up to a year and this could also include zero-percent deals on both purchases and balance transfers and even zero-percent offers on cash advances.

For example, Discover"s Platinum MasterCard provides customers with a zero-percent interest rate on purchases and balance transfers for a 8 month period. Meanwhile, Chase’s Platinum Visa Card promises a zero-percent on purchases and transferred balances for a year, followed by a 9.99 percent variable interest rate.

The MBNA World Points Platinum Plus MasterCard ,on the other hand, comes with zero-percent rates on cash advances and transferred balances for 12 months. Some cards imposed fees for balance transfers while others do not.

To attract current card holders to migrate to a new card issuer, zero percent credit cards with no balance transfer fee are also made available in the market. The new holder will be given a definite period to roll over his debt before the prevailing rates apply. At such a prudent cardholder must ensure that he pares down his debt to the bare minimum before the zero percent periods expires.

Alternatively, you can check out low interest, fast Fast Cash Advance for personal and small business needs.


Zero percent credit cards with no transfer fees are no longer easy to apply. Card issuers will do a strict check of an applicant’s past payment record from credit bureau information databases before considering approving one. New cards now have stricter terms.

Before applying for a credit card, an applicant must know the APR or annual percentage rate imposed. This is important as it can affect how much interest a cardholder will pay for using the card during the year. The APR, is not a true benchmark as late charges and interest accrued from not paying the full amount will be compounded over time.

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