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0% APR Cards and Cash Advances, Introductory Rates
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Get 0% intro APR on cash advances and purchases for up to 15 months. If you are currently in credit card debt, you can transfer your balance to a 0% credit card. Our 0% credit cards offer cash back, rebates, reward points, and high credit limits for qualified applicants in addition to their 0% introductory APR.
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Discover® More Card
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| 0% APR on purchases and balance transfers for up to 12 months |
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5% Cashback Bonus® in categories that change four times a year like travel, apparel, home, gas, restaurants, movies and more
5% to 20% Cashback Bonus at top retailers through our exclusive online shopping site
Up to 1% Cashback Bonus on all other purchases automatically
Increase, even double, your rewards when you redeem for gift cards from our 80 Cashback Bonus Partners
No Annual Fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for up to 12 mo. |
0% for up to 12 mo. |
10.99% |
None |
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Discover® Open Road Card
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0% Intro APR
Save at the pump and everywhere else.
5% Cashback Bonus® on gas and auto maintenance purchases
5% to 20% Cashback Bonus® at top retailers through our exclusive online shopping site
Up to 1% Cashback Bonus® on all other purchases
Unlimited cash rewards
Increase, even double, the value of your rewards when you redeem for gift cards from our 80 Cashback Bonus® Partners
No Annual Fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 6 mo. |
0% for 12 mo. |
10.99% |
None |
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Miles by Discover® Card
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| 0% Intro APR |
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Double Miles on travel and restaurant purchases $3,000 each year
1 Mile for every $1 you spend on all your other purchases
Unlimited Miles that never expire as long as you use your card
Travel without restrictions
Book it through any airline, travel agent or online site
No Annual Fee
0% Fraud Liability
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 6 mo. |
0% for 6 mo. |
10.99% |
None |
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Discover® Student Card |
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Build your credit history!
Earn more cash in more ways than anyone else
Unlimited cash rewards, automatically
Up to 20% Cashback Bonus® when you shop online*
Double rewards with more than 80 Cashback Bonus® Partners*
Customer Service in less than a minute, anytime you want
No annual fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 6 mo. |
None |
16.99% |
None |
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Chase Flexible Rewards Platinum Visa® Card
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With the Flexible RewardsSM Platinum Visa® card, you can earn 1 point for every eligible dollar spent and turn everyday purchases into extraordinary rewards
Merchandise - Choose from a variety of great brand name products.
Travel - Earn airline tickets, hotel stays or car rentals.
Cash back - Redeem 3,500 points and receive a $25 check.
Gift cards - Get free stuff from your favorite stores and restaurants.
Enjoy great rewards that you can redeem with as few as 2,500 points.
Save even more with a 0% Intro APR for up to 12 months and no annual fee.
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 12 mo. |
0% for 12 mo. |
11.24% |
None |
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Chase Free Cash RewardsSM Visa® Card
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1 point for every eligible dollar in purchases
1,000 Bonus Points after your first purchase
Intro 0% Fixed APR for up to 12 months
No Annual Fee
Get your rewards with as few as 2,500 points
Choose from either a $25 check or a $25 gift card/certificate from leading national merchants for every 2,500 points earned
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 12 mo. |
0% for 12 mo. |
11.24% |
None |
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Chase Platinum® Visa Card
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0% Introductory APR for up to 12 months* on balance transfers and purchases
APR as low as 11.99% thereafter
Free travel services including Auto Rental Collision Damage Waiver and Worldwide Travel Accident Insurance
Platinum Visa® benefits
Free online account access
No annual fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 12 mo.* |
0% for 12 mo.* |
11.99% |
None |
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IN:CHICAGO from American Express
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0% APR for 6 months
Earn one INSIDE Rewards point for virtually every eligible dollar you spend, whether you're in Chicago or not.
Points have no expiration date and you can redeem points for rewards in Chicago, New York and Los Angeles.
Earn double INSIDE Rewards points on city essentials like dining, cell phone service, gym memberships, and more
No annual fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 6 mo. |
0% for 6 mo. |
11.24% |
None |
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Blue Cash® from American Express®
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| Up to 5% Cash Back with Unlimited Cash Rewards |
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Earn unlimited cash back
0% Intro APR for 6 months on purchases
Low Balance Transfer rate - 4.99% fixed APR for the life of the balance
No Annual Fee
Express Approval. Get a decision in less than 60 seconds.
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 6 mo. |
4.99% with application |
12.24% |
None |
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Clear from American Express®
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| NO fees of any kind. No annual fee, no late fees, no over-limit fees, no balance transfer fees, no cash advance fees |
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Automatic Rewards. You'll get an American Express branded shopping card worth $25 delivered straight to your door every time you spend $2,500
Flexible Payment Terms. You can pay in full, or carry a balance. The choice is yours
No annual fee and 0% intro APR for up to 12 months
World class Cardmember benefits including Purchase Protection Plan, Buyers Assurance Plan, and Return Protection
Express Approval. Get a decision in less than 60 seconds.
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 12 mo. |
5.99% with application |
11.99% |
None |
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IN:LA from American Express
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0% APR for 6 months
Earn one INSIDE Rewards point for virtually every eligible dollar you spend, whether you're in Chicago or not.
Points have no expiration date and you can redeem points for rewards in Chicago, New York and Los Angeles.
Earn double INSIDE Rewards points on city essentials like dining, cell phone service, gym memberships, and more
No annual fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 6 mo. |
0% for 6 mo. |
11.24% |
None |
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IN:NYC from American Express
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0% APR for 6 months
Earn one INSIDE Rewards point for virtually every eligible dollar you spend, whether you're in Chicago or not.
Points have no expiration date and you can redeem points for rewards in Chicago, New York and Los Angeles.
Earn double INSIDE Rewards points on city essentials like dining, cell phone service, gym memberships, and more
No annual fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 6 mo. |
0% for 6 mo. |
11.24% |
None |
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Chase Platinum MasterCard®
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0% Intro APR for up to 12 months
Interest-free grace period when you pay your bill in full each month
FREE Online Account Access
FREE travel services including Auto Rental Collision Damage Waiver and Worldwide Travel Accident Insurance
No Annual Fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 12 mo. |
0% for 12 mo. |
11.24% |
None |
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Chase TravelPlus Visa® Card |
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Earn 2 miles per $1 on travel purchases
Earn 1 mile per $1 on all other purchases
Annual rewards fee of $29
Redeem for airline tickets, cash, gift cards and more!
Intro 0% Fixed APR for up to 12 months
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 12 mo. |
0% for 12 mo. |
15.24% |
None |
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Business Credit Cards With 0% Intro and Low APR
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Discover® Business Card
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0% Intro APR* on Balance Transfers and Card Purchases for 12 months
5% Cashback Bonus® on office supplies, 2% on gas, and up to 1% on all other purchases
Fee-free Purchasechecks that earn Cashback Bonus® to pay merchants who don't accept credit cards
Free employee cards with customizable limits and monthly reporting on their spending
No annual fee
Earn $100 Cashback Bonus when you apply now
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0%* for 12 mo. |
0%* for 12 mo. |
13.99%* |
None |
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Discover® Business Miles Card
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0% Intro APR* on Card Purchases and Balance Transfers
12,000 Bonus Miles*
Earn Double Miles on travel and gas*
Travel with no restrictions – book any airline, any date, any seat
No annual fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0%* for 12 mo. |
0%* for 12 mo. |
13.99% |
None |
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SimplyCash® Business Card from American Express® |
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Earn 5% cash back on automobile gas, office supplies, and wireless services
Earn 1% cash back on virtually all other purchases
Cash back is automatically credited to the statement each month
0% introductory APR for the first 12 months
No annual fee with the flexibility to pay in full or carry a balance
Save 3-25% on business purchases at companies like FedEx®, Delta®, Hertz®, and more |
| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 12 mo. |
7.99% for l.o.b.* |
6.5% |
None |
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 15 mo. |
4.99% with application |
8.99% |
None |
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Platinum Business Credit Card from American Express®
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| Option to enroll in the Membership Rewards® Express Program fee-free |
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There's no limit to the number of points you can earn
Save 3-25% on business purchases at companies like FedEx®, Delta®, Hertz®, and more
0% APR for the first 12 months
No annual fee and fee-free Additional Cards
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 12 mo. |
4.99% with application |
8.99% |
None |
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Chase Platinum Visa® Business Card |
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Save with 0% Intro APR for up to 12 months
Free Online Reporting - Quarterly reports enable you to monitor your business spending.
Platinum Business Benefits - Valuable benefits such as Travel and Emergency Assistance, Purchase Security and Extended Protection, and Travel Accident Insurance.
Visa® Business Partner Advantage - Savings of up to 20% from leading retailers with special offers on computer equipment, office supplies and more.
No annual fee/td>
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 12 mo. |
0% for 12 mo. |
9.24% |
None |
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Advanta Platinum BusinessCard
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0% APR on balance transfers for 12 months
0% APR on purchases for 12 months
Up to $50,000 credit line
No Annual Fee
0% Fraud Liability
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 12 mo. |
0% for 12 mo. |
13.74% |
None |
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Chase Business Cash Rewards Visa® Card
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Earn up to 5% cash back with unlimited rewards potential.
With no merchant or category spending restrictions, you can earn points by shopping wherever you want, for whatever you want.
0% Intro APR for up to 12 months
Pay No Annual Fee
Receive quarterly management reports
Receive additional cards your employees can use
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 12 mo. |
0% for 12 mo. |
11.24% |
None |
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Chase Business Rebate Card |
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3% Cash Back for eligible purchases at restaurants, gas stations, office supply stores, building supply stores, hardware and home improvement stores
1% Cash Back on all other purchases
0% Intro APR for up to 12 Months
No Annual Fee
Great deals on computer equipment, car rentals, hotel rooms and more with the Visa® Business Partner Advantage
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 12 mo. |
0% for 12 mo. |
11.24% |
None |
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Save Money with 0% Credit Cards
A 0% credit card that doesn't charge you interest during the introductory period can help your financial situation in several ways:
0% interest credit cards allow you to consolidate high interest credit card debt. You can use the money you get from 0% credit cards to pay off debts from higher interest rate credit cards. Some credit card applications may also have special offers for low interest rates on balance transfers made with the initial application.
0% interest credit cards can give your budget a cash infusion. If you have unusually high expenses or need some extra cash, a balance transfer credit card can help hold you over until your money flow increases. In addition, most balance transfer credit cards will send you a check or transfer the funds directly into your bank account.
Cash Advance credit cards can help you make purchases earlier. A balance transfer credit card gives you the option to make large purchases earlier than you could without a 0% credit card.
Many cash advance credit cards also offer low interest, cash back, rewards, or frequent flyer miles. The combination of these benefits plus introductory 0% APR make these cards very hard to beat.
Get the Most Out of 0% Credit Cards
Make sure you read the terms and conditions of any 0% credit card you sign up for. The 0% rate will expire after the introductory period has ended for all 0% credit cards. Make sure you know exactly when the intro period ends by reading the terms of the balance transfer, that way you won't end up paying unneccassary fees.
You should also be aware that most 0% credit cards have a fee for cash advances. Some cards offer free cash advances, which will be indicated in their terms of service. If there is a fee, the typical cash advance fee runs from $50-$75. Many of these cards allow you to get a 0% cash advance, which will allow you to cash a check for your specified amount instead of simply transfering your balance. If this is the case, you should be sure to know when the 0% intro period has ended to avoid any penalty fees.
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