What Credit Cards Are Offering 0% Deals Until 2019
Several good credit cards in the market offer 0% APR interest incentives that last for more than 1 year. Only borrowers with good or excellent credit scores will be considered for credit cards with long 0% APR promo period. There are many benefits for using a credit card with long 0% promo period including financing a large purchase and consolidating credit card debt. The following are the top 3 credit cards that offer 0% APR interest deals until 2019.
1. Citi Simplicity Card
Citi Simplicity Card offers the longest 0% APR deal for purchases and balance transfers with the promo period lasting up to 21 months. The credit card charges variable APR interest that ranges from 14.49% – 24.49%. It does not charge annual, late and penalty fees but there is a balance transfer fee of $5 or 3%. It is suitable for applicants with credit score in between 690 – 850.
2. Citi Diamond Preferred Card
Citi Diamond Preferred Card also have a 0% APR period that applies to both purchases and balances for 21 months. The variable APR range is in between 13.49% – 23.49% and customers who hold the card does not have to pay annual and late fees. Like most balance transfer cards, it does charge a balance transfer fee of $5 or 3%. It is suitable for applicants that have good – excellent credit score. It provides 24/7 access to concierge services. It offers travel protections such as car rental insurance, travel accident insurance, emergency assistance during trip, and coverage for expenses of trip cancellation.
3. Citi Double Cash Card
Citi Double Cash Card offers 0% APR interest incentive for 18 months on balance transfer. Purchases made on the card will not enjoy the 0% APR interest incentive but you can earn 1% cash back on each dollar spent. You can redeem another 1% cash back after clearing the outstanding balance. The APR interest range for Citi Double Cash Card is in between 14.49% – 24.49%. To qualify for the 18 months zero percent intro period, you must complete the balance transfer in 4 months after opening the account. The balance transfer fee is $5 or 3% applies on each transfer.
In conclusion, you should get a credit card with long APR interest promo if you meet the requirements. Carrying this type of credit card in your wallet can help you to save a lot of money on interest rates when you are shopping. If you have a stack of high interest credit card bills, transferring your credit card debts to a card with long 0% promo on balance transfer will allow you to clear your debt faster and save a great deal of money on the interest fees.