Things You'll Need:
- internet
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Step 1
Find out the Annual Fee to Find 0 APR credit cards
The first step to find 0 APR credit cards is to look at the annual fee associated with the card. 0 APR credit cards carry different annual fees, from $0-$250 per year. Look for a 0 APR card with no or a very small annual fee. -
Step 2
Find Out The Terms For The 0 APR Credit Card
The next thing to look at to find 0 APR credit cards is the terms of the 0 APR offer. Most offers are introductory in nature and can last anywhere from 3-18 months. You want to find a card that have 0 APR for the amount of time you need to pay down your balance (for a balance transfer) or to pay off the purchase (for large purchases). Look at what you will be able to pay off monthly and find out how many months you need the 0 APR credit card offer to last. -
Step 3
Read the Fine Print of 0 APR credit cards
The last thing you need to do is read the fine print. Find out what the APR will go up to once the 0 APR credit card phase ends. This should be a reasonable rate, that if for some reason you still have a balance, you can manage. Many 0 APR credit cards catch people by having extremely high rates after the 0 APR time ends. Make sure the card offers rates along industry standards. -
Step 4
Where to Look for 0 APR Credit Cards
You can find 0 APR credit cards in many places. One of the easiest ways to find cards are to use online sites that compare multiple credit card offers and search for certain types of cards, like 0 APR credit cards. Most experts recommend not ordering the cards from these sites (use the provider's home site) but they are a great place to compare cards and find a 0 APR credit card that meets your needs.
