0% Introductory APR Credit Cards: Perks and Applications

Credit Cards are everywhere these days. In fact most people use them on a daily basis to purchase everything from gas to fast food to home improvement products. Most Amercians have several cards in their wallet rather than just having one for emergencies like others. Since this is the case many people want to make their credit go farther and avoid high interest rates. Finding a card with a low introductory rate is importantant and these 10 cards provide just that

1. Citi Platinum Select Card issued by Citibank
*MasterCard accepted at any retailer, online retailer accepting the MasterCard logo
*0 % APR on Balance Transfers up to 12 months APR goes to 8.49% or higher after 12 month introductory period
*No Annual Fee
*APR for cash advances is 21.49%
*Defaulting on payments can cause loss of introductory 0% on transfers and can cause Interest rate to raise to 30.49%
*Transaction fee for balance transfers is 3% of the amount of each balance transfer
*Apply

2. Chase Platinum Credit Card Issued by JP Morgan Chase
*Visa card accepted at all retailers accepting the Visa Logo
*0% interest up to 12 months on balance transfers and purchases. The introductory period may be shorter depending on credit history. If credit is less than perfect intro period will be reduced to 3 months. After introductory period APR increases to 13.49%
*No annual fee
*Apply

3. Blue from American Express: Issued by American Express
*Accepted at all locations accepting American Express Logo
*0% APR on purchases for up to 15 months
*Balance Transfers 4.99% fixed for the life of the balance
*Included express pay which allows for paying without swiping card
*Fraud protection guarantee
*Purchase protection plan will cover items for up to 90 days from date of purchase if item is stolen or accidentally damaged
*Apply

4. HSBC Platinum MasterCard : Issued by HSBC Bank
*0% introductory rate on balance transfers and purchases for 12 months . After completion of introductory period APR increases to 8.99% or higher depending on credit history.
*Introductory APR does not apply to cash advances. Cash advances have a 3% APR
*No Annual Fee
*Apply

5. Capital One No Hassle Miles Rewards Visa: Issued by Capital One
*Accepted at all retailers that accept the Visa logo
*Apply now to receive 0% APR on purchases made until September 2008. After September APR will increase to as low as 9.4% though this could be higher depending on credit ratings.
*Earn rewards for each dollar spent. This card offers 1.25 miles for each dollar spent. These miles can be redeemed for airline tickets, cash, or for select merchandise. Miles can also be redeemed for Gift Cards for your friends and family.
*This card has no annual fee and credit limits from $500 - $20,000 depending on credit history.
Apply at capitalone.com

6. Discover More Card Issued By Discover Card
*Accepted at all retailers who accept the Discover Card Logo
*This card has an introductory rate of 0% APR on all purchases until the end of the August 2008 billing cycle. This introductory rate will raise to a rate ranging from 10.99 to 18.99 depending on the card holders credit history
*This card also has a 0% APR on balance transfers until February 2009
*The Introductory APR is not applicable to cash advance which have an APR of 23.99%
*Perks of this card include cash back rewards ranging from 1% to 20% depending on the type of purchase.
*Apply for this card at discovercard.com

7. Bank of America Platinum Plus Visa: Issued by Bank of America
*Accepted by all retailers accepting the Visa Logo
*This card has no annual fee and a 0% introductory rate for the first 6 months on all purchases, balance transfers, and cash advances. Following the introductory period the APR will increase to prime +2.99% or higher depending on credit history
*If card holder goes over credit limit or is late with payment the introductory period will end and the card holder will go to the standard APR.
*This card has zero liability protection if unauthorized purchases are made to the card
Apply at bankofamerica.com

10. American Express Simply Cash Business Card Issued by American Express
*Accepted at all retailers accepting American Express logo
*This card has 0% APR on all purchases for 12 months. Following the introductory period the APR will increase to Prime +0% or higher depending on the cardholders credit history.
*This card has no annual fee and earns cash back rewards as high as 5% for purchases such as gas, office supplies, and cell phone services.
Apply for this card at Americanexpress.com

8. Orchard Bank Platinum Visa: Issued by HSBC
*If you have less than perfect credit this card may be what you are looking for. With a 0% introductory rate for the first 6 month you can begin to reestablish your credit history. Following the introductory period the APR will increase to 14.9% or higher depending on history.
*This card has an annual fee of $59.
*To apply for this card visit hsbc.com

9. Bucks Back Platinum Edition Visa Card: Issued by First National Bank, Omaha
*Accepted at all locations accepting the Visa logo
*Cardholders receive an introductory 0% APR for the first 12 months. Following the introductory period the APR increases to rates as high as 14.32% though this could be lower depending on history.
*With this card earning cash back is as simple as applying. Cardholders receive $10 upon approval and an additional $10 after first purchase. For every $2500 spent cardholders receive $20 cash back
*Apply at Firstnational.com