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	<title>Smart Balance Transfers &#187; 0 APR</title>
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	<description>The Balance Transfer Credit Card Resource</description>
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		<title>Tips to Help Choose Credit Cards with 0% Rates on Purchases</title>
		<link>http://www.smartbalancetransfers.com/blog/2011/11/tips-to-help-choose-credit-card-offers-with-0-rates-on-purchases-742/</link>
		<comments>http://www.smartbalancetransfers.com/blog/2011/11/tips-to-help-choose-credit-card-offers-with-0-rates-on-purchases-742/#comments</comments>
		<pubDate>Tue, 22 Nov 2011 15:33:32 +0000</pubDate>
		<dc:creator>Jeffrey Weber</dc:creator>
				<category><![CDATA[0 APR]]></category>
		<category><![CDATA[Credit Card News Stories]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Credit Tips]]></category>
		<category><![CDATA[0% APR credit cards]]></category>
		<category><![CDATA[0% APR purchases]]></category>
		<category><![CDATA[0% rates]]></category>
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		<category><![CDATA[credit card rates]]></category>
		<category><![CDATA[credit cards]]></category>

		<guid isPermaLink="false">http://www.smartbalancetransfers.com/blog/?p=3540</guid>
		<description><![CDATA[Credit card users often see advertisements for cards that offer a 0% intro APR on balance transfers. What is less prominent are 0% promotional APRs on purchases. While these promotional rates can offer customers substantial savings, cardholders should carefully understand both their benefits and drawbacks. How 0% Interest Rate Promotions Work Credit cards advertise 0% [...]]]></description>
		<wfw:commentRss>http://www.smartbalancetransfers.com/blog/2011/11/tips-to-help-choose-credit-card-offers-with-0-rates-on-purchases-742/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Choosing the Best Credit Card for Your Lifestyle</title>
		<link>http://www.smartbalancetransfers.com/blog/2011/09/choosing-the-best-credit-card-for-your-lifestyle-102/</link>
		<comments>http://www.smartbalancetransfers.com/blog/2011/09/choosing-the-best-credit-card-for-your-lifestyle-102/#comments</comments>
		<pubDate>Wed, 21 Sep 2011 22:42:26 +0000</pubDate>
		<dc:creator>Jeff Weber</dc:creator>
				<category><![CDATA[0 APR]]></category>
		<category><![CDATA[Credit Card News Stories]]></category>
		<category><![CDATA[Credit Card Rewards]]></category>
		<category><![CDATA[best credit card]]></category>
		<category><![CDATA[consumer credit]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[rewards credit card]]></category>

		<guid isPermaLink="false">http://www.smartbalancetransfers.com/blog/?p=3135</guid>
		<description><![CDATA[While it may seem premature to start thinking about the holiday season, anyone who will be shopping with plastic should take a moment to consider whether or not the credit cards in their wallets are the right cards to use during the spending season. In many instances, the key to minimizing credit card expenses and [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Post-Hurricane Irene Credit Card Tips</title>
		<link>http://www.smartbalancetransfers.com/blog/2011/08/post-hurricane-irene-credit-card-tips-734/</link>
		<comments>http://www.smartbalancetransfers.com/blog/2011/08/post-hurricane-irene-credit-card-tips-734/#comments</comments>
		<pubDate>Mon, 29 Aug 2011 13:34:12 +0000</pubDate>
		<dc:creator>Jeff Weber</dc:creator>
				<category><![CDATA[0 APR]]></category>
		<category><![CDATA[Credit Card Insights]]></category>
		<category><![CDATA[Credit Card News Stories]]></category>
		<category><![CDATA[0% APR credit card]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[credit card tips]]></category>
		<category><![CDATA[hurricane irene]]></category>

		<guid isPermaLink="false">http://www.smartbalancetransfers.com/blog/?p=3069</guid>
		<description><![CDATA[Now that Hurricane Irene has passed, many consumers are in unfortunate positions that may require spending on credit. Using credit cards to cover unforeseen expenses that can&#8217;t be paid in full is far from an ideal situation, though having a credit card strategy in place can lessen the impact Hurricane Irene will have on long [...]]]></description>
		<wfw:commentRss>http://www.smartbalancetransfers.com/blog/2011/08/post-hurricane-irene-credit-card-tips-734/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Longest 0% APR Credit Card Offers for Summer 2011</title>
		<link>http://www.smartbalancetransfers.com/blog/2011/05/longest-0-apr-credit-card-offers-summer-2011-476/</link>
		<comments>http://www.smartbalancetransfers.com/blog/2011/05/longest-0-apr-credit-card-offers-summer-2011-476/#comments</comments>
		<pubDate>Thu, 26 May 2011 12:52:33 +0000</pubDate>
		<dc:creator>Jeff Weber</dc:creator>
				<category><![CDATA[0 APR]]></category>
		<category><![CDATA[Credit Card Deals]]></category>
		<category><![CDATA[Credit Card News Stories]]></category>
		<category><![CDATA[0% APR credit card]]></category>
		<category><![CDATA[chase]]></category>
		<category><![CDATA[citibank]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[credit card offers]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[discover]]></category>

		<guid isPermaLink="false">http://www.smartbalancetransfers.com/blog/?p=2600</guid>
		<description><![CDATA[As summer begins, credit card companies continue to offer the longest 0% APR credit card promotions in recent history. Last summer, most 0% credit card offers lasted 12 months or less. This year, a number of companies are offering 0% interest rates on purchases and balance transfers for as long as 21 months. Whether or [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Best 0% APR Credit Card Offers &#8211; April 2011</title>
		<link>http://www.smartbalancetransfers.com/blog/2011/04/best-0-apr-credit-card-offers-april-2011-919/</link>
		<comments>http://www.smartbalancetransfers.com/blog/2011/04/best-0-apr-credit-card-offers-april-2011-919/#comments</comments>
		<pubDate>Wed, 20 Apr 2011 18:26:09 +0000</pubDate>
		<dc:creator>Jeff Weber</dc:creator>
				<category><![CDATA[0 APR]]></category>
		<category><![CDATA[Credit Card Deals]]></category>
		<category><![CDATA[Credit Card News Stories]]></category>
		<category><![CDATA[0% APR credit card]]></category>
		<category><![CDATA[Balance Transfers]]></category>
		<category><![CDATA[best credit card offers]]></category>
		<category><![CDATA[chase]]></category>
		<category><![CDATA[citibank]]></category>
		<category><![CDATA[credit card offers]]></category>
		<category><![CDATA[discover]]></category>
		<category><![CDATA[purchases]]></category>

		<guid isPermaLink="false">http://www.smartbalancetransfers.com/blog/?p=2468</guid>
		<description><![CDATA[Consumers looking to take advantage of credit card offers with low introductory rates will find a lot of very strong options this April. In fact, 0% APR credit card offers are likely as strong as they have ever been. On balance transfers, consumers can get a 0% APR for up to 24 months. On purchases, [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Best 0% APR Credit Card Offers &#8211; March 2011</title>
		<link>http://www.smartbalancetransfers.com/blog/2011/03/the-best-0-apr-credit-card-offers-march-2011/</link>
		<comments>http://www.smartbalancetransfers.com/blog/2011/03/the-best-0-apr-credit-card-offers-march-2011/#comments</comments>
		<pubDate>Mon, 14 Mar 2011 15:12:11 +0000</pubDate>
		<dc:creator>Jeff Weber</dc:creator>
				<category><![CDATA[0 APR]]></category>
		<category><![CDATA[Credit Card News Stories]]></category>
		<category><![CDATA[0% APR credit card]]></category>
		<category><![CDATA[best credit card]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[credit card offers]]></category>

		<guid isPermaLink="false">http://www.smartbalancetransfers.com/blog/?p=2255</guid>
		<description><![CDATA[Credit card companies continue to offer some of the longest and best 0% APR credit card offers in recent history. Consumers seeking credit cards with 0% rates on balance transfers can find a handful of cards with introductory rates lasting up to 24 months, while those seeking a 0% APR on purchases can find deals [...]]]></description>
		<wfw:commentRss>http://www.smartbalancetransfers.com/blog/2011/03/the-best-0-apr-credit-card-offers-march-2011/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>New Chase Slate Credit Card Offer &#8211; 0% APR for 15 Months</title>
		<link>http://www.smartbalancetransfers.com/blog/2011/01/new-chase-slate-credit-card-offer-0-apr-for-18-months/</link>
		<comments>http://www.smartbalancetransfers.com/blog/2011/01/new-chase-slate-credit-card-offer-0-apr-for-18-months/#comments</comments>
		<pubDate>Tue, 04 Jan 2011 19:46:44 +0000</pubDate>
		<dc:creator>Jeff Weber</dc:creator>
				<category><![CDATA[0 APR]]></category>
		<category><![CDATA[Chase]]></category>
		<category><![CDATA[Credit Card News Stories]]></category>
		<category><![CDATA[0% APR purchases]]></category>
		<category><![CDATA[chase]]></category>
		<category><![CDATA[chase blueprint]]></category>
		<category><![CDATA[chase slate]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[credit cards]]></category>

		<guid isPermaLink="false">http://www.smartbalancetransfers.com/blog/?p=1989</guid>
		<description><![CDATA[Updated November 3rd, 2011: In addition to the standard Slate card reviewed below, a Chase Slate no fee balance transfer offer is presently available for a limited time. Earlier this year, Chase increased the introductory 0% APR on purchases and balance transfers on the Chase Slate credit card to &#8220;up to 15 months.&#8221;  Presently, the 15 [...]]]></description>
		<wfw:commentRss>http://www.smartbalancetransfers.com/blog/2011/01/new-chase-slate-credit-card-offer-0-apr-for-18-months/feed/</wfw:commentRss>
		<slash:comments>12</slash:comments>
		</item>
		<item>
		<title>What is a Credit Card Grace Period?</title>
		<link>http://www.smartbalancetransfers.com/blog/2010/10/what-is-credit-card-grace-period/</link>
		<comments>http://www.smartbalancetransfers.com/blog/2010/10/what-is-credit-card-grace-period/#comments</comments>
		<pubDate>Mon, 11 Oct 2010 15:57:34 +0000</pubDate>
		<dc:creator>Jeff Weber</dc:creator>
				<category><![CDATA[0 APR]]></category>
		<category><![CDATA[Credit Card Insights]]></category>
		<category><![CDATA[Guest Posts]]></category>
		<category><![CDATA[credit card grace period]]></category>
		<category><![CDATA[grace period]]></category>
		<category><![CDATA[interest]]></category>
		<category><![CDATA[no interest credit card]]></category>
		<category><![CDATA[savings account]]></category>

		<guid isPermaLink="false">http://www.smartbalancetransfers.com/blog/?p=1245</guid>
		<description><![CDATA[This Post comes from Michael, chief editor of DoughRoller.net, which helps consumers find the best online banks available today. If you’ve been wondering what a credit card “grace period” is, don’t be ashamed. Many credit card ads can be confusing, appearing quickly on television commercials and rattling off small print in the seconds before Law [...]]]></description>
		<wfw:commentRss>http://www.smartbalancetransfers.com/blog/2010/10/what-is-credit-card-grace-period/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Best Credit Card Offers in October</title>
		<link>http://www.smartbalancetransfers.com/blog/2010/10/best-credit-card-offers-october-444/</link>
		<comments>http://www.smartbalancetransfers.com/blog/2010/10/best-credit-card-offers-october-444/#comments</comments>
		<pubDate>Mon, 04 Oct 2010 16:49:15 +0000</pubDate>
		<dc:creator>Jeff Weber</dc:creator>
				<category><![CDATA[0 APR]]></category>
		<category><![CDATA[American Express]]></category>
		<category><![CDATA[Citibank]]></category>
		<category><![CDATA[Credit Card Deals]]></category>
		<category><![CDATA[Credit Card News Stories]]></category>
		<category><![CDATA[Discover Credit Cards]]></category>
		<category><![CDATA[balance transfer]]></category>
		<category><![CDATA[best credit card offers]]></category>
		<category><![CDATA[chase]]></category>
		<category><![CDATA[citibank]]></category>
		<category><![CDATA[continental credit card]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[credit card offers]]></category>
		<category><![CDATA[delta]]></category>
		<category><![CDATA[delta skymiles credit card]]></category>
		<category><![CDATA[discover]]></category>

		<guid isPermaLink="false">http://www.smartbalancetransfers.com/blog/?p=1218</guid>
		<description><![CDATA[The best credit card offers in October range from money saving 0% balance transfers that last 18 months to enhanced cash back credit card promotions that offer up to $100 cash back to new card members. Discover is the main driver behind improvements in the quality of credit card deals this month, as they improved 0% APR [...]]]></description>
		<wfw:commentRss>http://www.smartbalancetransfers.com/blog/2010/10/best-credit-card-offers-october-444/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Best Balance Transfer Credit Card Got Better</title>
		<link>http://www.smartbalancetransfers.com/blog/2010/10/best-balance-transfer-credit-card-got-better-110/</link>
		<comments>http://www.smartbalancetransfers.com/blog/2010/10/best-balance-transfer-credit-card-got-better-110/#comments</comments>
		<pubDate>Fri, 01 Oct 2010 18:00:26 +0000</pubDate>
		<dc:creator>Jeff Weber</dc:creator>
				<category><![CDATA[0 APR]]></category>
		<category><![CDATA[0 APR for 18 Months]]></category>
		<category><![CDATA[Balance Transfers]]></category>
		<category><![CDATA[Credit Card Deals]]></category>
		<category><![CDATA[Credit Card News Stories]]></category>
		<category><![CDATA[balance transfer]]></category>
		<category><![CDATA[balance transfer credit card]]></category>
		<category><![CDATA[best balance transfer]]></category>
		<category><![CDATA[dfs]]></category>
		<category><![CDATA[discover]]></category>
		<category><![CDATA[discover balance transfer]]></category>
		<category><![CDATA[discover more]]></category>

		<guid isPermaLink="false">http://www.smartbalancetransfers.com/blog/?p=1202</guid>
		<description><![CDATA[Starting October 1st, Discover has increased the length of the 0% APR balance transfer term on the Discover More card to 18 months. This is an increase of 3 months and, along with the Citi Platinum Select card, the Discover More card now shares the title of longest 0% balance transfer offer. However, while the length [...]]]></description>
		<wfw:commentRss>http://www.smartbalancetransfers.com/blog/2010/10/best-balance-transfer-credit-card-got-better-110/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>When to Get a 0% APR Credit Card</title>
		<link>http://www.smartbalancetransfers.com/blog/2010/09/when-to-get-a-0-apr-credit-card/</link>
		<comments>http://www.smartbalancetransfers.com/blog/2010/09/when-to-get-a-0-apr-credit-card/#comments</comments>
		<pubDate>Mon, 27 Sep 2010 16:45:26 +0000</pubDate>
		<dc:creator>Jeff Weber</dc:creator>
				<category><![CDATA[0 APR]]></category>
		<category><![CDATA[Balance Transfers]]></category>
		<category><![CDATA[0% APR balance transfer]]></category>
		<category><![CDATA[0% APR credit card]]></category>
		<category><![CDATA[balance transfer]]></category>
		<category><![CDATA[credit card]]></category>

		<guid isPermaLink="false">http://www.smartbalancetransfers.com/blog/?p=1177</guid>
		<description><![CDATA[When utilized properly, 0% APR credit cards can save you hundreds, if not thousands of dollars. To maximize savings, however, it is very important to apply for a 0% credit card at the right time. This is especially true if you intend to use the card for purchases as opposed to balance transfers. Below are [...]]]></description>
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		<slash:comments>0</slash:comments>
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