I need a credit card with at least 12 months of 0% APR thats easy to be approved of. Anyone have any recs?

[ZoomerAmerican]

Unfortunately, my credit score is only 700 and I have some debt. A few months ago, I was rejected for a Bank of America credit card due to "too many hard inquires". whats a good credit card with 0 intro APR thats fairly easy to be approved?

 

[badascan]

Isn't PayPal credit something like that? You'll have a low limit most likely...

 

[crabmeat]

Uh...

What kind of debt are we talkin' about?

 

[Bornstarch]

There's a lot of em. 700 might be able to get the Wells Fargo Active card 18 months 0% interest and $200 sign in bonus

 

[Bballfan123]

Goes on sherdog without owning multiple successful cash only bars...

Mods?

 

[crabmeat]

Honestly, I wouldn't mess around with deferred interest, unless you have a guaranteed plan to pay you debt within that period.

 

[BJ@LW&WW]

16 Best Interest-Free Credit Cards of February 2025 | 0% APR for up to 21 Months

Interest-free credit cards offer 0% intro APR on balance transfers, purchases, or both. Here are the best interest-free credit cards of February 2025.

www.allcards.com

an article last updated on october 29th
some cards with 0% apr up to 21 months
"approval odds" section shows credit scores that got approved or denied

work hard, save money, be frugal, pay off high interest debt. good luck sir

 

[William Huggins]

Honestly, I wouldn't mess around with deferred interest, unless you have a guaranteed plan to pay you debt within that period.

Are you saying he should sell his body.......

 

[HeffDoesWant]

So your credit score has been impacted by to many credit enquiries, and you are asking about where you should make your next credit enquiry.


They know the signs of people who just swap banks after the interest free period expires, they don't want you. Happened to me decades ago and I reckon they are probably better at tracking it now.

Honestly the interest free game is really just putting band aids on the problem, they help but don't fix the actual problem which is the principle owing.

Good interest rates are smart, repaying the principle is smarter.

 

[kimocomplex]

Sherdog Platinum Card is always 0%

 

[Red Beard]

I recommend you using a site like nerd wallet to shop cards that will give you the ability to transfer balances, but I'd advise you to make sure you can pay the balance before the no interest period is up. You want to build your credit a little in the process so keep those cards open after your balance transfer. Age of credit is a big factor. You should tell us how much debt you have and whether you can successfully pay it off in a year's time. Are you living outside your means?

 

[Fedorgasm]

Sherdog Platinum Card is always 0%

Exactly. And with their new 2 factor authentication you know you're protected from fraud.

 

[TeTe]

Pay your CC bill off every month and you don't have to worry about APR.

Stop being poor.

@Revolver

 

[RoastBeast]

Don't spend money you don't have. You'll thank yourself later.

 

[Sakuraba is #1]

Credit card churning is the best way to earn the introductory bonus. I’ve accumulated over several hundreds of thousands of points from Amex, Chase, and Capital One. Simply use your credit cards like a debit card on your normal everyday spend and pay off the balance in full every month. You won’t pay any interest and can reap the benefits.

I would apply for the Amex Gold, VentureX and the Chase trifecta. The Citi Custom Cash, Chase Freedom Flex and the Savor One are great cash back cards if points and miles aren’t your thing.

 

[HeffDoesWant]

Credit card churning is the best way to earn the introductory bonus. I’ve accumulated over several hundreds of thousands of points from Amex, Chase, and Capital One. Simply use your credit cards like a debit card on your normal everyday spend and pay off the balance in full every month. You won’t pay any interest and can reap the benefits.

I would apply for the Amex Gold, VentureX and the Chase trifecta. The Citi Custom Cash, Chase Freedom Flex and the Savor One are great cash back cards if points and miles aren’t your thing.

I can't say I know them but typically points/rewards cards have high interest rates and accordingly are terrible if you don't repay in full each month.

Sounds like TS is carrying debt so likely not a great option for him.

 

[boingyman]

TS, I think you need to have a better grasp of your personal finances. I know people that asks these questions IRL and it bogles my mind especially because they bring in a strong income. Even one of my coworkers who is dual income and make similar to what my wife and I make have credit card debt. The crazy thing is the last of his wife's student loans were paid off, their 2 kids are in public school (I have 2 in private), and they barely invest in retirement, whereas my wife and I go all out. I know their mortgage is like $1000/month more than ours, but like WTF are you spending your money on that you still have cc debt...

 

[Goon Dog]

Credit cards are the devil. I ran one up in college and it took me 2 years to pay the damned thing off. People calling me at home asking for money. Never again. When my kids were in school it seemed like every week they'd get a pre-approved card of some kind in the mail and I'd throw the damned envelope away before they saw it.

 

[SSgt Dickweed]

Unfortunately, my credit score is only 700 and I have some debt. A few months ago, I was rejected for a Bank of America credit card due to "too many hard inquires". whats a good credit card with 0 intro APR thats fairly easy to be approved?

 

[ZoomerAmerican]

Wow thank you!

So this credit card has no APR? As in I can carry a balance and just pay the minimum every month?