Tag Archives: 0% intro APR

BBVA Compass ClearPoints Visa Card

BBVA Compass ClearPoints Visa Card offers
favorable interest rates and rewards

Get started now with an 0% intro APR offer for the first 13 months and $100 off the first $1500 in qualifying purchases

BBVA Compass ClearPoint Visa CardPay NO annual fee for the BBVA Compass ClearPoints credit card and add additional authorized users at no cost.

CUSTOMIZE YOUR CARD: Earn  up to 3 CompassPoints for every $1 spent on categories you chose when using the card.

Get up to 3X the points on gas, utilities, office supplies, etc.

These points can be redeemed for account credits, retail gift cards, exciting travel options and name-brand merchandise.

Select participating retailers offer higher account points than the 1%.

Free Enrollment feature means as a cardholder, you are automatically enrolled as a BBVA Compass ClearPoints customer at no additional charge.

Multiple Payment Options offers you the ability to pay your bill mail, automatic debit, online banking or at any local branch

Security alerts notify you of possible suspicious activity on your account, as well as convenience notices for payments, balances, special offers and more.

You never pay interest if you pay your balance in full every month.

If you prefer to talk to a person, account representatives are available to assist you by phone at 1-800-239-5175.

The complete VISA benefit package is available here.

Additional free services include:

  • Free extended warranty for up to one year
  • Call 1-800-551-8472 for no-hassle warranty registration
  • Generous free insurance coverage up to $10,000 per purchase, with a $50,000 maximum per cardholder
  • Free Common Carrier Insurance: A full Benefit Amount of $500,000 is payable for accidental loss of life, two hands or two feet, sight of both eyes, one hand or one foot and sight of one eye, speech and hearing in both ears or any combination thereof.
  • The Visa Auto Rental Collision Damage Waiver benefit (“Auto Rental CDW”) provides—at no additional charge—reimbursement for damage due to collision or theft up to the actual cash value of most rental vehicles, when certain terms and conditions are met.

FOR NBA  BBVA CARDHOLDERS

In addition to the credit card, BBVA offers a ($25 minimum) FREE BBVA Compass NBA checking account (with your favorite team’s logo) where you can:

  • Get a $100 NBAStore.com electronic gift card when you make three qualifying bill payments from your NBA Checking account
  • Earn $15 from Amazon.com for receiving two direct deposits
  • Get $10 from iTunes for using your BBVA Compass Check Card to make qualifying purchases from your NBA Checking account
  • There is NO monthly service charge for this checking account

 BBVA has an another special bonus offer for Everyday Heros:

Everyday Heros get 5,000 bonus CompassPoints when they open a new Clear Points or Visa Signature Credit Card within 60 days of opening a new Everyday Heroes checking account and make $500 in qualifying purchases within 30 days after opening the credit card. This relationship is limited to

Ann Taylor and Loft Credit Card

the Ann Taylor lookAttention Loft shoppers, save 5% on your purchases at all ANN INC. stores with the LoveLoft credit card featuring its exclusive rewards program.

The discounts apply while shopping at LOFT, Ann Taylor, Lou & Grey, LOFT Outlet, Ann Taylor Factory Outlet stores, as well as online orders.

Get FREE standard shipping on purchases over $125, while a modest $8.95 shipping fee applies to lesser amounts.

Loft credit card exclusives

  • 15% off on first purchase when opening a new LOFT credit card
  • 5 rewards points for spends at ANN INC stores and online
  • Earn a rewards card for 2,000 points earned
  • Enjoy a $15-off bonus during your birthday month
  • Enjoy an extra 15% off the first Tuesday of every month (combine with all in-store promotions and offers)
  • Double rewards during private card member events
  • FAQs

Loft (LOVELOFT) Mastercard benefits

  • Earn 2 rewards points for every dollar spent on gas and grocery purchases
  • Earn 1 rewards point for every dollar spent wherever Mastercard® is accepted
  • Receive a $20 rewards card for your first purchase made outside of ANN INC. Brands

Loveloft loft credit card

LOVELOFT credit card rates and fees

  • No annual fee
  • 23 days to try before you buy
  • Zero liability for unauthorized use of the card
  • 25.24% APR on purchases
  • 3% balance transfer fee
  • $37 late payment fee
  • Issued by Comenity Bank (Alliance Data)
  • No automatic payment option
  • Pay balance as soon as possible to avoid fees
  • For details apply here

Resources for the LOFT shopper

Loft styles

The new LOVELOFT Card app allows you to shop on the go, because checking out with your digital card, tracking and redeeming your Rewards Cards with the app is a breeze. Plus, you can pay your bill and view your account information at any time and place.

LOFT fashion is part of the ascena retail group, inc., which is a leading national specialty retailer offering apparel, shoes, and accessories for women under the Ann Taylor, LOFT, Lou & Grey, Lane Bryant, caciquemaurices, dressbarn and Catherines brands, and for tween girls under the Justice brand.

Discover It Cash Credit Card

5% rebate on gas purchases has arrived.

Discover it Credit Card saves cardholders 5% on up to $1500 in purchases at gas stations, wholesale clubs and on ground transportation (activation required) from January 1 through March 31, 2017.

discover-it-credit-cardAll other purchases earn 1% cash rewards made with your Discover it card.

For new account holders Discover matches cash back rebates at the end of your first year, that’s up to 10% cash back (limits apply).

Note: if the account is closed before 12 billing cycles, there will be no match.

Best of all, Discover charges you no interest for 12 months from the date of your account opening, provided minimum payments are on purchases you make.

This feature is great to finance those larger purchases that may not be affordable with a single paycheck or could deplete your emergency nest egg.

You can redeem your cash rewards for cash at any time and with no minimums.

You can use your Discover it rewards just like cash, towards purchases at Amazon.com.

All these perks are given to the cardholder with NO annual fee!

Other Discover it Credit Card features include
damaged cell phone window

  • Hassle-free returns: Discover will refund purchase price ($500 max)  on eligible items, if the original store will not accept it within 90 days of purchase
  • Free cell phone insurance, up to $500, through purchase protection (call for details)
  • Should you lose your card, you can freeze your account in seconds with an on/off switch with the Discover App on your smartphone or the discovercard website
  • Paperless statement option
  • $0 fraud liability guarantee against unauthorized spending
  • Text alerts for security and reminders
  • Automatic payments available so you never miss a payment
  • Free monthly FICO scores from Transunion to track your credit rating

The fine print (subject to change):

  • Annual fee: $0
  • Introductory 0% financing for one year
  • No interest if balance paid in full with 25 days
  • Fee for balance transfer: 3% ($5 min)
  • Fee for cash advance: 5% ($10 min)
  • Fee for foreign transaction: 0%
  • Fee for late payment: $0 first time; $35 after that
  • Fee for returned payment: up to $37
  • Fee for going over your credit limit: $0
  • APR: purchases 11.24% to 23.24%
  • APR: cash advances 25.24%

Bonus Discover Deals with selected merchants for online purchases

  • Apple (5% off)
  • Walmart (5% off)
  • Kohl’s (5% off)
  • Macy’s (5% off)
  • Papa John’s (25% off)
  • 1-800 Flowers (15% off)
  • Avis (25% off weekly rental)
  • Bath & Body Works (20% off)

and over 100 more at discover deals.

10 Best No Interest Credit Cards

wallet with credit cardsTired of paying interest on your credit card monthly balances?

Open a new account to avoid interest charges for over a year with any of the ten 0% credit card introductory offers listed below.

Some of them feature interest-free periods as long as 21 months (almost 2 years)!

Others allow you to transfer your current balances, without any upfront transaction fees, to help straighten out your finances during the year.

You still must make the minimum monthly payments on the credit card account and keep track of when the introductory rate expires.

All of the featured selections also do not charge any annual fee.

Check out the choices and see which one or more fit your current situation.

CARD MONTHS FEES BONUS REWARDS
Chase Slate 15 0% $0 0.0%
Edward Jones World Card 12 0% $100 1.0%
Capital One BuyPower 12 0% $0 5.0%
Perdue Federal Visa 12 0% $0 1.0%
La Capitol Federal Credit Union 12 0% $0 0.0%
Alliant Credit Union 12 0% $0 0.0%
Citi Diamond Preferred 21 3% $0 1.0%
Citi Simplicity 21 3% $0 1.0%
Chase Freedom Unlimited 15 5% $150 1.5%
Citi ThankYou Preferred 15 3% $0 1.0%
Wells Fargo Propel American Express® 15 3% $0 1.0%
Wells Fargo Cash Wise Visa 15 3% $0 1.5%
Wells Fargo Platinum Visa 15 3% $0 0.0%

Cards with no balance transfer fee

Save on costly balance transfer fees with this group of cards. Some are lesser-known financial institutions who offer great deals.

Chase Slate

  • The longest 0% Introductory APR, 15 months, with no balance transfer fee.
  • The  transfer must be made during the first 60 days of account opening.
  • Monthly FICO® Score and Credit Dashboard for free

Edward Jones World Card

  • Must be an Edward Jones client to receive credit card
  • $100 Loyalty Invest™ Deposit bonus after making $500 in purchases within 90 days of opening account
  • Earn Loyalty Points® on everyday spending and redeem them for cash back (statement credit), travel, gift cards, charitable donations or Edward Jones Loyalty Invest™ deposits

Capital One BuyPower

  • 5% Earnings on your first $5,000 in purchases every year
  • 2% unlimited Earnings on purchases after initial $5,000 yearly spend
  • Earnings redeemable towards a purchase or lease of new GM vehicle

Perdue Federal Visa Signature

  • One-time $50 fee to join Purdue University Alumni Association as a Friend of the University
  • No cash advance fee
  • Earn 1.25 rewards points per $1 spent on purchases with card

La Capitol Federal Credit Union

  • Must pay a modest $20 fee to join the La Capitol Federal Credit Union by becoming a member of the Louisiana Association for Personal Financial Achievement
  • 0% APR for 12 months is only valid for balance transfers, not purchases, made within first 90 days of account opening
  • 1.99% APR on purchases made within the first 90 days for 12 months

Alliant Credit Union

  • Must be a member of the Alliant credit union, which anyone can do with a $10 donation towards Foster Care to Success.
  • 1 rewards point for every dollar spent with card
  • Earn 10,000 bonus points with qualifying spend

Cards with balance transfer fees

Balance transfer fees take away some of the benefits of 0% financing. New purchases may not incur interest charges during the introductory period, but transfer fees may add hundreds of dollars to your spend.

Citi Diamond Preferred

  • Longest zero-interest intro APR for new accounts at 21 months of zero percent financing
  • 0% APR for balance transfer is subject to an upfront 3% fee and must be completed with 4 months of account opening
  • Enjoyed the many priviledges of Mastercard Diamond Preferred membership

Citi Simplicity

  • Longest zero-interest intro APR for new accounts at 21 months of zero percent financing
  • 0% APR for balance transfer is subject to an upfront 3% fee and must be completed with 4 months of account opening
  • No late fees, no penalty rate and no annual fee

Chase Freedom Unlimited

  • $150 Bonus after spending $500 on purchases in first 3 months from account opening (see details for restrictions)
  • Longer than normal 15 month 0% intro APR period
  • Stiff 5% balance transfer fee
  • Unlimited 1.5% cash back on net purchases with credit card

Citi ThankYou Preferred

  • Lengthily 15 month 0% intro APR period to pay off large purchases
  • 0% intro APR is only valid for transfers within first 4 months of account opening and a 3% balance transfer fee will be charged.
  • Earn 1% rewards on most net purchases, with a higher 2% rewards on dining and entertainment items.

Wells Fargo Propel American Express®

  • 3% balance transfer fee during 15 month introductory period and 5% fee after that.
  • Earn 3x points at gas stations, 2x points at restaurants, 1x on virtually all other net purchases, although points expire after 5 years.
  • Applicants who have opened a Wells Fargo credit card account in the last 16 months will not receive the introductory APR rates.

Wells Fargo Cash Wise Visa®

  • Receive unlimited 1.5% cash rewards on net purchases.
  • Use your Wells Fargo Debit or ATM card to redeem for cash at Wells Fargo ATMs.
  • Credit line may be affected if you have current Wells Fargo credit card

Wells Fargo Platinum Visa

  • Basic Visa credit card with generous 15 month 0% APR offer.
  • Free cell phone protection up to $600 ($25 deductible) on phones purchased with Wells Fargo credit card.
  • Free access to your FICO® Credit Score with Wells Fargo Mobile® Banking.