Zero interest rate credit cards are a good option for people who need a Visa or MasterCard and can't, or don't want to, apply for a standard credit card... but be sure to check the fine print of each card you're considering.
Overland Park, KS (PRWEB) July 02, 2012
TopConsumerReviews.com has released their ratings for the best Zero Interest Rate Credit Cards available today.
Zero interest rate credit cards are less well known to many consumers. They offer similar benefits to those of secured and prepaid credit cards with upfront deposits, little to no credit required, no overdrafts and controlled spending. Zero interest rate credit cards require an initial deposit and only that amount is available for spending. No interest is charged on purchases and loading the card with additional cash can occur at local outlets or via phone. A few zero interest rate credit cards offer rewards and perks on specific purchases but can also charge monthly usage fees.
How to choose the right zero interest credit card? Typically, a zero interest credit card does not impact a credit score and therefore doesn't require a strong financial past or credit score. When looking at these types of credit cards, consumers should consider a variety of factors. Some of these include any fees, ease of loading, convenience, customer perks, and reporting if needed. Independent credit card reviews are a good source to help consumers sort through the various zero interest rate credit card offers.
“Zero interest rate credit cards are a good option for people who need a Visa or MasterCard and can't, or don't want to, apply for a standard credit card,” explained Brian Dolezal, of TopConsumerReviews.com, LLC. “With these cards you can enjoy controlled spending, no overdrafts, and no credit checks, and still get account information and perks typically reserved for higher interest rate credit card holders. Zero interest rate credit cards often charge a monthly fee for usage, though, so be sure to check the fine print of each card you're considering.”
To find out more about zero interest rate credit cards, including reviews and comparison rankings, please visit the Zero Interest Rate Credit Cards category of TopConsumerReviews.com at http://www.topconsumerreviews.com/credit-cards-zero-interest-rates/.
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