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Survey highlights: Best 0% credit cards

Credit Cards » 0% Credit Cards » Survey Highlights: Best 0% Credit Cards

CreditCards.com, a Bankrate-owned website, reviewed some 100 cards from 24 issuers and found 38 offers of "0% credit cards." The sample was meant to be as representative as possible of the cards likely carried by Americans, in categories including student, business, rewards and cash-back cards, among others. Bankrate has disregarded the business cards, leaving a field of 89 consumer cards from which this list of 38 interest-free credit cards was derived.

From that list, we have culled the best options for several enticing terms.

The survey's best 0% credit cards

Enticing featureCardThe deal
Best zero percent introductory periodCiti Diamond Preferred Rewards Card MasterCard18 months
Citi Dividend Platinum Select Visa for College Students7 months
Best go-to interest rate when zero percent rate expiresComerica Bank Visa Platinum CardAs low as 9.99 percent
U.S. Bank Visa Platinum CardAs low as 9.99 percent
Best cash back sign-up bonusBankAmericard Cash Rewards from Bank of America$100
BankAmericard Cash Rewards Visa Signature Card$100
Blue Cash Everyday from American Express$100
Capital One No Hassle Cash Rewards (Excellent Credit)$100
Chase Freedom Credit Card$100
First National Bank of Omaha Graphite American Express Card$100
Best points/miles sign-up bonusUS Airways Premier World MasterCard from BarclaysUp to 40,000 miles
Best sign-up bonus for your golf gameGolf Magazine Rewards Visa CardOne dozen personalized Titleist Pro V1 golf balls

Source: Survey conducted by CreditCards.com in July 2012.

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Credit Card Averages
Product Rate
Balance Transfer Cards 16.00%
Cash Back Cards 16.34%
Low Interest Cards 10.93%
Rewards Cards 15.80%
Compare rates:
 

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Another study shows the imperfection of credit reporting. Almost 1 in 4 encountered problems with their credit reports.
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