It is always better to get a credit card with a 0% APR offer on new purchases than it is to try to avoid interest on previous purchases with a 0% promotional balance transfer offer. Cardholders must pay interest on their purchases until the transfer, and these balance transfer offers typically include a 3% balance transfer fee.
Here are some of the top offers for 0% APR financing for new purchases this September:
Citi Simplicity® Card
This card features 18 months of interest free financing on new purchases as well as balance transfers, but with a 3% balance transfer fee. The highlights of this card include no late fees, and no penalty interest rate if you happen to make a late payment. There is no annual fee for this card. [click to continue…]
Credit cards users love travel rewards as it allows them to earn free travel in exchange for their loyalty. While one or two percent cash back is nice, it just doesn’t have the appeal of a free trip to one’s favorite destination.
This September, there are several great travel rewards promotions available to credit card users:
Citi® Hilton HHonorsTM Visa Signature® Card
This card offers new applicants 40,000 points after spending just $1,000 within four months of opening an account. Cardholders also earn double points on all purchases, three points per dollar spent on purchases at supermarkets, drugstores and gas stations, and six points per dollar spent at Hilton properties. This is also one of the rare travel reward credit cards that has no annual fee.
Earn 40,000 Hilton HHonors Bonus Points after spending $1,000 within 4 months of account opening*
Earn 6 HHonors Bonus Points for each $1 spent at a participating hotel within the Hilton HHonors portfolio.*
Earn 3 HHonors Bonus Points for each $1 spent on purchases at supermarkets, drugstores and gas stations*
Earn 2 HHonors Bonus Points for each $1 spent on all other purchases*
No annual fee.*
Balance Transfers Intro
14.24% or 16.24% (Variable)*
Citi® Platinum Select® / AAdvantage® World MasterCard®
This card offers new applicants 30,000 bonus miles after spending just $1,000 on the card within three months of approval. Cardholders also receive two free Admiral’s Club passes. Other benefits include cardholders first eligible checked bag free, group 1 boarding, and a 25% savings on eligible in-flight purchases. Cardholders can also earn a $100 American Airlines Flight Discount every card membership year that they make a qualifying purchase renew their card. Finally, cardholders can earn 10% of their redeemed AAdvantage miles back – up to 10,000 AAdvantage miles each calendar year. There is a $95 annual fee for this card that is waived the first month.
Earn 30,000 American Airlines AAdvantage® bonus miles and 2 Admirals Club® Passes after making $1,000 in purchases within the first 3 months of cardmembership.*
Your first eligible checked bag is free*
Group 1 boarding and 25% savings on eligible in-flight purchases*
Earn a $100 American Airlines Flight Discount every cardmembership year with qualifying purchases and cardmembership renewal*
Double AAdvantage® miles on eligible American Airlines purchases*
Earn 10% of your redeemed AAdvantage® miles back – up to 10,000 AAdvantage® miles each calendar year*
Balance Transfers Intro
13.99% - 21.99% (Variable)*
$95, waived for first 12 months*
The US Airways® Premier World MasterCard®
US Airways and American Airlines are in the process of merging, but cardholders can still apply for both cards and receive both sign-up bonuses. This card offers 40,000 bonus miles after cardholders first purchase and payment of the $89 annual fee. Other perks include a companion certificate for up to two guests at $99 each, a free checked bag, and zone 2 priority boarding on US Airways operated flights. This card also features 15 months of interest free financing on balance transfers, with a 3% balance transfer fee.
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