0% Intro APR Card Promotions

A long 0% intro APR period is one of the many tempting lures in a credit card marketer’s bait box. And it can certainly benefit you, as long as you remember to pay down your card balances aggressively after that 0% introductory rate ends.

Here’s an updated Outlaw round-up for early April of credit cards with the best 0% intro promotions:

* Chase Freedom VISA — New cardholders receive $100 Bonus Cash Back after spending $500 within the first 3 months; 0% intro APR offered — 12 months on balance transfers, 6 months on purchases. No annual fee and 1% cash back on all purchases; 5% cash back in Quarterly Bonus Categories, as long as you remember to enroll your card. More info and application link here.

* Discover More — 0% intro APR offered — up to 15 months on purchases, 15 months on new balance transfers. No annual fee. This one’s a great value, although you won’t receive a $100 bonus as with the Freedom sign-up offer… although Discover is VERY generous with cash back rewards; this particular card offers 5% cash back in rotating purchase categories (such as gas, dining, travel, etc.) and 1% cash back on all other purchases. Application link here.

* Slate VISA — 0% intro APR offered — up to 15 months on purchases and balance transfers. No annual fee and a cool “vertical orientation” card design. Blueprint-enabled, so you can track your account efficiently and predict when your balance will be paid off. Full review and application link here.

* Black Card — 0% intro APR for the first 6 billing cycles, although this card carries a hefty $495.00 annual fee. It’s obviously targeted toward very wealthy customers.

* BankAmericard VISA — Bank of America’s BankAmericard offers approved new cardholders “0% Introductory APR on qualifying Balance Transfers for your first 9 or 12 billing cycles. After the Intro APR ends, a rate as low as 10.99% Variable APR will apply.” Not extraordinary, but I like the convenience of having a couple of BofA credit cards, since I bank with them. (Easy to transfer money from a linked checking account, and it’s convenient to use a BofA card for overdraft protection.)

* Capital One Cash Rewards — Offers 2% cash back at grocery stores and gas stations; no annual fee, and 0% intro APR on purchases until March 2012.

View all of my favourite new credit card deals and offers over on Outlaw.

Disclosures: I used to review credit cards for a living. Also, my web site has a financial relationship with certain card issuers, including Chase and Barclays Bank.

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