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Even though debit cards rewards programs are disappearing, and some credit card rewards might be on the way out, too, great offers still exist for new credit card customers with good-to-excellent credit. Since my credit score hit 720 and then 750, I’ve been noticing a lot of mail offers with 0% intro APRs for extended periods. This made me wonder what else is out there in terms of excellent credit card offers — and I discovered quite a bit.
If you have good credit and existing debt on a card with a mid-to-high interest rate, now might be the time to consider applying for a card with a 0% APR and start making a real dent in your existing debt. The skeptic in me thinks credit card companies are offering extended 0% APRs in the hopes that customers will forget to make a payment and lose the 0% interest rate nearly immediately. (It does happen; that’s why opening a new revolving credit account knocks your credit score down by a few points!) This way, credit card companies look like they’re offering a great deal, but it’s not a big risk to them. Beat them at their game: Make your payments on time to take advantage of these great intro APRs and other credit card offers.
All but the American Express card have no annual fee, and all the cards may be available to qualified consumers with good-to-excellent credit ratings. If you’re not sure about your credit rating, check your FICO score at www.MyFico.com, and obtain free copies of your credit reports at www.annualcreditreport.com. Don’t apply for credit cards without knowing where your credit rating stands. Each time you apply for new credit, you lose a few points on your credit score.
This card offers a 0% intro APR for a whopping 21 months to qualified customers — that’s nearly two years of interest-free credit. After that, the interest rate is variable and ranges from 11.9% to 22.99%. Just don’t miss a payment, because the default rate is 29.99%, the maximum allowable by law.
Although Discover has done away with its $100 cash back bonus for new Discover More customers for the time being, the card still offers an excellent intro APR of 0% for 15 months on purchases and balance transfers. After that, the APR is between 11.99 and 19.99%. This isn’t an easy card to get, but the rewards — up to 5% in categories that rotate quarterly — make it well worth it.
Chase Freedom, one of our top picks for a credit card, along with Discover More, still offers $100 cash back to new customers after you spend $500 in the first three months. You’ll get 12 months of 0% interest on balance transfers and 6 months on purchases, and an APR between 11.99% and 22.99% after that.
Since ZYNC is a charge card, you won’t use this card for a balance transfer of existing debt, but I couldn’t resist mentioning it because of the 10,000 bonus rewards points after your first purchase and a low $25 annual fee. Most Amex cards have an annual fee of $100 +. If you want the status and benefits of carrying an Amex card, without the price tag, this is a great choice. You can customize your ZYNC card by selecting different packs (which carry an added annual fee) to earn rewards. Learn more in our American Express ZYNC review by clicking here. https://creditshout.com/zync-from-american-express-review/ It’s also worth noting that ZYNC has updated its “packs” to offer even more choices, so check it out.