One of the best deals available are credit cards that offer 0% on purchases. Zero interest on purchases allows you to use the card for big purchases or everyday expenses, and pay no interest until the into period expires.
Until recently, it was common for cards to offer no interest for up to 12 months. Now, some credit cards offer 0% for up to 18 months. Many of these offers are even packed full of other benefits, such as cash back rewards, travel points, or even zero percent balance transfer offers.
Below you’ll see our top pick from Discover which gives you 14 months* months 0% on your purchases, followed by a list of other top offers with the best 0% on purchase deals of 2012.
Citi ThankYou® Preferred Card – $150 in Gift Cards
The Citi ThankYou® Preferred Rewards Card makes our list for a few reasons. First, the card gives 0% for 12 months. In addition, this card offers a nice rewards program and gives a bonus of $150 gift card – When you redeem the 15,000 bonus ThankYou® Points received after $1,000 in purchases within 3 months of account opening. All these factors combined makes this offer a tough one to beat. After the introductory rate the regular APR is 12.99%-22.99%* (Variable), based on your creditworthiness.
See our Citi ThankYouSM Preferred Card – $150 Gift Card review for more details.
Citi® Simplicity Card
The Citi Simplicity® Card makes our list as one of the top cards because it gives 18 months* months of 0% on purchases. That’s not all you get with this card, you will also get 18 months* on balance transfers with a transfer fee of 3%. This dual offer also comes with a regular APR of 12.99% - 21.99%* (Variable), based on your creditworthiness. The Citi® Simplicity Card is part of Citi’s Extra Cash program. With Extra Cash, you can purchase products online through Citi and apply your Extra Cash toward the purchase price.
See our Citi® Simplicity Card review for more details.
Citi® Dividend Platinum Select® Visa® Card
The Citi® Dividend Platinum Select® Visa® Card is an all around great card. To start you get 0% Intro APR on Balance Transfers and Purchases for 12 months. After the introductory period, the APR will be between 12.99%-22.99%* (Variable) and is based on your creditworthiness. In addition, this card gives 5% cash back in rotating categories and as a bonus you will earn $100 cash back when you spend $500 within the first 3 months.
See our Citi® Dividend Platinum Select® Visa® Card review for more details.