New York, NY (PRWEB) December 17, 2013
Today, Creditnet.com, a leading website on credit cards, announced the best 0% APR credit cards of 2013. 0% interest credit cards help consumers to reduce their debt while saving money. With a 0% APR card, there is a promotional period in which no interest is accrued. As a result, consumers can pay off their debt without having extra interest charges. These cards are a great option for the holiday season.
In creating their ranking of the best 0% APR credit cards of 2013, the experts from Creditnet took into account several factors, including introductory offers, interest rates, balance transfers, reward programs, and customer reviews. According to Creditnet’s findings, here are the best 0% APR credit cards of 2013:
Discover it offers an introductory promotion of 0% APR on purchases and balance transfers for 14 months. Furthermore, there are no annual fees, overlimit fees, or foreign transaction fees. With their late fee forgiveness program, making late payments will not raise your APR. Cardholders can get 5% cash back on up to $1500 in purchases made in rotating categories and 1% cash back on all other purchases. They can also use Discover’s Cashback Concierge feature which gives card members excellent customer service at all times. Discover it also offers a $0 Fraud Liability Guarantee, so cardholders are always safe from unauthorized charges. Lastly, this credit card is one of the only cards that offer free FICO credit scores on every monthly statement. Discover it’s generous introductory offer, lack of fees, and cash back program make it Creditnet’s top pick for 0% APR credit cards.
With the Citi Diamond Preferred Card, cardholders get 0% intro APR on balance transfers and purchases for 18 months. The balance transfer fee is then either $5 or 3% of the amount of each transfer, whichever is greater. There is no annual fee, and Citi offers a 24/7 concierge service that can help you with any inquiries or assistance. With Citi Private Pass, cardholders enjoy exclusive access to entertainment experiences, VIP packages, and special deals. They also have $0 liability on unauthorized purchases with Citi Identity Theft Solutions. This card, designed for those with good credit, is one of Creditnet’s best options for consumers looking for 0% APR credit cards.
The Citi Simplicity card rounds off Creditnet’s list of the best 0% APR cards with a 0% intro APR on balance transfers and purchases for 18 months. Once the promotional period is over, card members pay the same interest rate for purchases, balance transfers, and cash advances (often as low as 12.99%) There are no annual fees, no late payment fees, and no over the limit fees. So, the only fees you have to pay are four standard fees: foreign transaction, balance transfer, cash advance, and returned payment. Lastly, you have direct access to a representative 24/7 to receive help at any time.
If you would like to find the best 0% APR card, these are the top credit cards on the market for you. For more information on credit cards and 0% APR, you can access Creditnet’s credit card comparison tool here: http://www.creditnet.com/credit-cards.
Creditnet is an authority credit card comparison site that offers innovative comparison tools to help users find the best credit card for their needs. In addition, the Creditnet Credit Talk Forum is a community of over 100,000 members that discuss credit cards, credit, debt, and credit repair daily.