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HomeBlog Credit Card Debt“What’s The Best No-interest Credit Card For Big Purchases?”
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“What’s The Best No-interest Credit Card For Big Purchases?”

March 19, 2013 by National Debt Relief

Long line of credit cards (generic)Do you need to make some big purchases in the next few months? Maybe you’re moving into a new home and need major appliances. Or maybe you have some unexpected medical bills. You think you would like to open a new credit card that has a long 0% interest introductory period. But which one might make the most sense?

What’s okay and what’s not

It would be okay to apply for a new credit card so long as you use it only for those major purchases or on unexpected medical bills. What’s not okay is to start relying on that 0% interest card for everyday purchases. This is where many people get into trouble with debt. It’s also not okay to still be carrying a balance when your introductory period ends. This is because if you haven’t paid off your balance, you could see your interest rate skyrocket to 20%, 20% or even higher. Once you’ve made those major purchases or paid off those medical bills, you need to check your balance and then divide it by the number of months of your introductory period. For example, if you’ve charge $2,000 and have a 15-month introductory period, you need to pay at least $133 a month to make sure you clear your balance before those 15 months are over. And, of course, you wouldn’t want to charge anything else to that card until you have your balance completely paid off.

The three best cards

As of this writing there were three no-interest cards that would be great for making big purchases. Do keep in mind that while all three come with 0% interest on purchases and balance transfers, there could be a fee associated with balance transfers. This means that transferring a balance from another card or cards to one of these cards could cost you money.

Capital One Cash Rewards Card

If you’re looking for a card with a long 0% interest introductory period, this one could be a good choice. You would get a 0% interest introductory APR on your balance transfers and purchases untilß February 2014. After that, your APR would go to something between 12.9% and 20.9%. The card requires no annual fee and has 1% cash back on all your purchases. It also gives you a 50% cash back bonus a the end of the year on all the cash back you earned.

Discover It Card

This is a great no-interest credit card as it comes with a lot of other benefits in addition to a 0% introductory APR. You would get 0% interest on both purchases and balance transfers for 14 months. Once your introductory period ends, your variable APR would be between 10.99% and 20.99% – depending on how creditworthy you are. The Discover It Card requires no annual fee, has no over-limit fee and no fee when you pay by phone. Plus, your APR will not be increased if you make a late payment after your 0% interest period ends. The Discover It Card has 5% cash back on rotating categories throughout the year. All other purchases qualify for 1% cash back.

Citi Simplicity Card

This card would give you 0% interest on purchases and balance transfers for an amazing 18 months. It has no late fees, no annual fee and no penalty rate increases. While it doesn’t offer any kind of a rewards program, it does have the longest 0% interest rate introductory period currently available.

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Easy National Debt Relief Caller: April Transcribed WE 1/17/2021 April: Our call may get recorded. What financial concerns had led you to seek out National Debt Relief's services? RILEY: I guess just not being able to pay my debt. April: What had you choose National Debt Relief over other companies that provide the same service? RILEY: Really just researching online. Everything that I had read about them seemed pretty positive. April: What service or program did National Debt Relief help you to get through? Like a payment or consolidation program, anything like that? RILEY: I just do bi-monthly payment to them, and then they reach out to my debt account, I guess, that negotiated everything for me. So, it’s pretty easy. April: Can you walk me through the process of what you went through to enroll for the services? RILEY: God, it's been like two years, so I kinda don't really remember. I just had to fill out some stuff online and then talk to them on the phone. I had to give them all my account information and everything. And then they worked out a payment plan for me. And they communicate with me like once a month with my statement. And whenever they have communication with my accounts, they have called me and had me verify before they've done anything and whatnot. April: That sounds like a really good service there. RILEY: Yeah. April: At this point, are you still in the program or have you completed it at this point? RILEY: I'm almost done. It was, I think, a two-year plan. So, yeah, I think I just have one other account that I'm paying on. April: How about any interactions with the negotiators? You said they will call you at any time that there was maybe an account activity that they want to confirm with you first. RILEY: Uh-huh [yes]. April: So, how is the interaction with them when they reach out to you and you're able to discuss with them? How is that interaction? RILEY: It's been super easy and positive for me and relieves a lot of stress and anxiety. So, yeah, it’s been very easy. April: And then how has National Debt Relief been able to work with you in terms of your payment plan? RILEY: I basically just told them what I could afford, and they figured it out. And they have offered COVID relief if I need to stop payment for the time being or whatever. Fortunately, I haven't had to do that. So, I don't really know how that would have worked, but that was an option. But they're always like, “Call us if you can't make payment, and we'll figure something out for you.” April: What are your thoughts about the cost in relation to the quality of the service you received? RILEY: I'm really happy with the program. [unclear 0:04:22] as far as I know. I don't have any complaints. April: Has working with National Debt Relief impacted your life? RILEY: Yeah. April: How would you say that it's impacted your life at this point? RILEY: It just has relieved a ton of pressure and stress, financial stress, anxiety. I'm not living paycheck to paycheck now to pay my interest, so that’s been nice. April: Have you had other experiences to National Debt Relief that perhaps you want to share with us in regards to your experience with them? RILEY: No. I think that’s it. April: On a scale of 1 to 5, where would you rate National Debt Relief, if 5 stars is that you recommend to your friends and 1 star is you're very dissatisfied? RILEY: I would say 5. April: In a few words, how would you summarize overall the National Debt Relief in your experience with them? RILEY: Just easy and stress-free. April: Would it be okay for us to also utilize your commentary as a review that we can publish for National Debt Relief? And that would go to public webpage here, but that's to help other consumers make good choices if they're also in the same market. RILEY: I guess. Would it have my first and last name? I don’t— April: Only the first name. And if that's an issue, we do the first letter. RILEY: [unclear 0:06:03] you want my full name. April: Not at all. So, we only do the first name as an option. We can also do the first letter. So, it's really up to you on which option you prefer. But just the first name. We don't do last name. We don't post anything personal like your phone number. RILEY: Yeah. I think you can use my first name. April: I do offer a link that we can also send you with a direct link to your review. So, once it's published, you also get to see directly. Is that something you would like to have sent to your email? RILEY: No.

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Riley Barker
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