The Best 0% APR Purchase Credit Card Offers (With Balance Transfers)

By MoneyBlueBook

Updated List Of The Best 0% APR Interest Credit Card Offers Below

Zero percent purchase credit cards are specially suited for credit savvy consumers looking to make free purchases for 12 months or more without having to pay the amount back until the end of the promotional offer period. If you've low on spending cash or find yourself in a temporary financial emergency, 0% purchase credit cards can help you deal with your personal finance expenses until you get back on your feet. In the last few years there have been at least two occasions when I personally needed to depend on 0% card offers to help get me out of a temporary financial jam that lasted a few months. Although I was in good financial shape at the time my liquid spending money was just momentarily tied up in stock investments. So to successfully weather the cash strapped period, I paid off daily living expenses using my newly applied no interest credit card. Hey, it beats relying on pay day loans any day (which I've never had to use, thankfully).

Both 0% Balance Transfer and 0% Purchase Credit Cards Have Pros and Cons

While 0% balance transfer credit cards have gotten more publicity among those seeking debt reduction and among those looking to profit from high yield savings account interest, they usually require more careful management effort to maintain. One top differentiating benefit of using 0% purchase credit cards is to avoid the initial transfer fees associated with many balance transfer cards. For those who want

By MoneyBlueBook

Well a year has passed since I started earning and accumulating Citi ThankYou Reward Points using my squadron of Citibank credit cards, and now it's time to redeem them for some well deserved purchase rewards. I own three of them myself, and here are the top Citibank cards when it comes to earning ThankYou reward points:

By MoneyBlueBook

One of the ways to maximize your money is by taking advantage of the higher cash back credit card rewards that many reward credit cards offer for purchases made at special bonus reward locations that include - supermarkets, drugstores, and gas stations. What some people might not realize is that many, if not most of these three brick and mortar locations also sell gift cards that can be used towards other major retailers - everything from places like Home Depot to Bed Bath & Beyond. By buying these retail gift cards at the bonus reward locations, cardholders have the potential to earn up to 5% or more cash back through credit card discounts and rebates through a process that's essentially a mild form of gift credit card arbitrage.

Purchase Gift Cards At Rebated Prices And Use Them At Places Like Department Stores, Restaurants, and Online Retail Websites

While there is a multitude of specialized reward credit cards out there (everything from airline credit cards to restaurant credit cards) offering all sorts of credit card offers and usage perks, the majority of these rebate cards reserve the highest cash back percentages for purchases made at what I'd like to call "the big three" - supermarkets, gas stations, and drug stores. Credit card terms do vary, but they usually offer much lower rebate rates (usually 1% back) for everyday purchases made at non "big-three" locations like department stores, clothing shops, restaurants, and online stores.

The trick to earning the maximum reward percentages even when

By MoneyBlueBook

Updated Compilation Of All The Best 0% Intro APR Balance Transfer Offers Below

If you are searching for a promotional balance transfer card, or if you are looking to eliminate some high interest debt by shifting your balance over to versatile credit cards that offer zero to low interest rates, then you've definitely come to the right place. The following list is a good starting point for credit card arbitrage and 0% intro APR balance transfer seekers looking to borrow interest free money or to make a profit. Below is my compilation list of the best no interest balance transfer offers available from all issuers. I am always on the lookout for new and better balance transfer credit cards so do check back for future updates.

As a general matter, taking on a 0% balance transfer goes beyond just requesting your balance transfer check. Getting the 0% credit card loan is relatively easy - the trickier part is learning to properly micro manage the transferred balance details from credit card application to promo expiration. But once you familiarize yourself with how to make a 0% intro balance transfer and understand the benefits and risks of balance transfer cards, you will find the procedure rather straight forward. As with all financial vehicles, the key is to understand the ins and outs before taking on the responsibility and assuming the inherent, but controllable risks involved.

Balance transfer offers are uniquely versatile in that they can serve numerous functions including balance transfer arbitrage and high interest debt reduction. For those struggling with high

By MoneyBlueBook

I'm a frequent road warrior. I don't fly that often, but I do take frequent long road trips out of state for personal and business purposes. Every time I travel I frequently spend a few nights at a hotel. It doesn't matter whether I stay at an inexpensive motel or whether I stay at a higher end place, I always make sure I maximize my money by earning reward points for every night's stay. If you travel a lot, being a member of multiple hotel reward programs can help you save money and earn reward points for wherever you may choose to stay on a whim.

Joining hotel reward clubs and programs is one of the easiest way to effortlessly accumulate loyalty points for complimentary stays in the future. Many programs even offer frequent flyer miles as a reward option in addition to hotel points. The overwhelming majority of programs are free to join with easy online enrollment and management. Each hotel reward program covers a family line ranging from low cost budget chains to more expensive luxury brands. Many programs also offer upgrade opportunities and additional perks like complimentary newspapers, drinks, and meals. Just register via the program's website and report your assigned membership number everytime you book a hotel stay. Even if you forget to use your membership card at the time of reservation, you can always go back later to report the missing hotel stay. I've done it a few times myself.

Here Are The Most Popular Hotel Reward Programs (Sorted Alphabetically):

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By MoneyBlueBook

Editor's Note: Thank you for your interest, these offers expired and are no longer available.

Despite the popularity of credit cards that offer such rewards as airline miles, the vast majority of cardholders still prefer the simplicity and ease associated with cash back credit card rebates. The most efficient way to maximize your rebate opportunities is still the multi credit card rewards approach. However, despite the greater reward potential with having multiple cards, a sizable number of consumers simply do not want to deal with the hassle of carrying around a wallet bulging with credit cards . If you are one who prefers to have just a single card in your wallet, then definitely take a look at the following two cards - The Chase Freedom Visa Signature and the American Express Blue Cash Card. Depending on the specifics of your card usage habits, you should pick one or the other, as your rebate earnings will differ depending on how much you spend per month and year. As a third alternative, you could even use a hybrid combination of them both for full rebate earning potential.

If You Plan To Spend More Than Approximately $1,500 A Month On Your Credit Card, I Recommend the:

• American Express Blue Cash® - Voted as Kiplinger's selection for the best cash rebate card, the Amex Blue Cash credit card offers a tiered rebate program, based on your purchases to date. For the first $6,500 you earn in the rebate year, you'll earn 1% back on purchases for groceries, gas, and drugs, and 0.5% on everything else. However once