0% Credit Cards

Smiling Girl, Happy with 0% Credit Cards,0% credit cards are all the rage these days and this list will help you identify the best deals out there. Consumer spending is down, fears of a recession are up, and retailers are scrambling to entice regular people like you and me to enter their stores and buy more stuff. One group of companies you’ll also find lining up to offer you special offers is the credit card industry.

0% Balance Transfer

Many of the cards below have a 3% balance transfer fee and some of them have a cap on how high the fee will be. I can’t keep up with the changing card terms so the only thing I can guarantee I’ll monitor closely is whether they continue to offer a 0% balance transfer. If they stop offering a 0% balance transfer, I’ll pull it from the list. Finally, if you do get a card, remember to request a balance transfer and not “cash,” because they will try to give you a cash advance which won’t be 0%!

Balance Transfers

you will find credit cards that offer a 0% APR on balance transfers for up to 1 year. As a result of the credit crunch, many credit card companies have changed the duration of balance transfer credit cardoffers from a full year to as little as three or six months.Additionally, most credit card companies have eliminated no fee balance transfers, while some major banks are beginning to charge a 4-5% balance transfer fee. Fortunately, there are still a number of credit card companies offering 0% rates on balance transfers. However, it is more important than ever to take advantage of these rates, as credit card companies have become increasingly unwilling to provide low rates to all consumers, including those with good credit.