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0% APR credit cards for people with excellent credit history

[Saturday, August 20th, 2011]

If you have been managing your finances wisely and have not gone beyond your spending means, you are in luck. Almost all the major credit card lenders are looking to sign on people with excellent credit scores and make them a part of their business because they fall under the low risk category and the banks can be assured about repayment of the borrowed money. In order to entice customers in this category, most of the major lenders today are offering 0% APR cards with some of the best rewards. Unlike presumed by many, the 0% APR credit cards do not waive off the interest throughout the lifetime of the card. This is just a promotional offer by the lenders that runs over a few months. Here are a few interest free credit cards worth signing up for.

The Platinum Prestige credit card from Capital One is exclusively reserved for people with excellent credit history. The card offers 0% APR on all balance transfers and purchases made till October 2012. There is no annual fee associated with the card and the interest rate post the promotional period varies between 10.9% and 18.9% based on the credit history of the card holder. The other key features of this credit card are the round the clock roadside assistance and travel and emergency assistance.

The BankAmericard Cash Rewards Visa Signature card is another 0% APR card that is worth having in your wallet. The card offers 0% interest for the first 12 months of obtaining the card. The APR post this promotional period varies between 12.99% and 20.99% based on the transaction history of the card holder. In addition to 1 percent cash back on all purchases, you can also avail 3% cash back when you use this card at gas stations and 2% cash back on grocery purchase.

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