Do you think you spend too much on fees and interests? Would you like to save on your everyday purchases? Then 0 APR deals are what you really need. Review our list of best bank offers and choose the one that seems better for you. These cards are easy to get, for you can apply on-line.

Best Expert Opinions

$75 Cash Bonus and
0% Intro APR

Discover® Card
Discover® More Card - $75 Cashback Bonus

0% intro APR on balance transfers for a full 12 months, then the Regular APR.
0% intro APR on purchases for a full 6 months, then the Regular APR.
Get $75 Cashback Bonus when you make $500 in purchases within 3 months.
5% Cashback Bonus in categories that change like travel, gas, groceries, restaurants, home improvement stores and more.
Up to 1% unlimited Cashback Bonus on all other purchases.
No Annual Fee.
5% to 20% Cashback Bonus at over 150 top retailers through our online shopping mall.
Unlimited cash rewards that never expire.
Turn your Cashback Bonus into bigger rewards every time you redeem for gift cards or instant eCertificates from over 100 brand-name Partners.
Flexible redemption options with no redemption fee. Choose from Partner gift cards, merchandise, Discover gift cards, credit to your Discover card account or an electronic deposit to your bank account.

0%APR for 12 months: BT & Purchases

Citibank
Citi® Diamond Preferred® Card

0% Intro APR on Purchases and Balance Transfers for 12 months. After that, the APR will be 14.99%. This APR will vary with the market based on the Prime Rate.
No annual fee.²⁶
Concierge service that caters to your needs 24/7.
Citi® Identity Theft Solutions.
Secure, free online account management.

0% APR on Purchases & BT,
No Annual Fee

Discover® Card
Discover® More Card

0% intro APR on balance transfers for a full 15 months, then the Regular APR.
0% intro APR on purchases for a full 6 months, then the Regular APR.
5% Cashback Bonus in categories that change like travel, gas, groceries, restaurants, home improvement stores and more.
Up to 1% unlimited Cashback Bonus on all other purchases.
No Annual Fee.
5% to 20% Cashback Bonus at over 150 top retailers through our online shopping mall.
Unlimited cash rewards that never expire.
Turn your Cashback Bonus into bigger rewards every time you redeem for gift cards or instant eCertificates from over 100 brand-name Partners.
Flexible redemption options with no redemption fee. Choose from Partner gift cards, merchandise, Discover gift cards, credit to your Discover card account or an electronic deposit to your bank account.

Purch.--Purchases, Bal.Tr.--Balance Transfers, n/a--Not Applicable

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Topic: Lowering Interest Rates and Its Pitfalls

. A credit card company is asking that i \"opt Out\".. it says close acct then opt out..I had asked them to lower interest rate and finance charge [29.4%] and this is what they told me to do, then they will lower it... By closing acct. do they mean pay it off? and what is \'opt out\'???

As far as your words can be understood, your bank decided to profit from your request and offered to close the present account with higher percentage rate and open a new one, with a lower APR. In my view, this is a trick, as they can charge you for closing the account and for opening a new one, or for something else. I have really no idea about what they meant by opting out, as this term is usually used when speaking about stopping pre-approval credit cards from coming to your mail. If you really want the current credit card with the current bank, but with a lower APR, you have a right to ask the bank to lower it, but if they deny, you can say you will change the bank for a better one, and they can agree in order to keep you as a customer. If you are not satisfied by the results of negotiation, feel free to change the credit card provider. Best, Manager of Immediate Credit Card Care Service

i need enough to purchase a sofa with a recliner and a seperate recliner. How much is at Galery Furniture?

If you have good or excellent credit history, consider the cards with 0% APR on purchases. This would help you save on interest. You may consider the following credit deals that provide 0 interest rates for the extensive period of time.

With Capital One Platinum Prestige, you can save a lot on interest. It offers 0% APR on purchases and balance transfers, plus low ongoing rates. It comes with no annual fee, so you don't have to pay extra for the maintenance of your new card.

Blue from American Express ® also has no annual fee and 0% APR on purchases for 12 months. If you want to earn rewards points on your purchases, consider Capital One No Hassle Points(SM) Rewards that offers 0% APR until October 2009, low ongoing rates, no annual fee. The best thing about this deal is that it allows earning rewards points on your purchases.

Check through these deals and choose the one that suits your payment needs the most.