Excellent Credit Card

download-3Do you have excellent credit? If so, banks are actively looking to win you as a new credit card customer by offering some unprecedented deals. Although banks have been more careful about acquiring customers with questionable credit since the 2008 Financial Crisis, they are now fighting harder than ever to win coveted customers with great credit. If you are in the excellent credit sweet spot, they are effectively giving you money (and a lot of it) to use their credit cards. These are the top 7 deals you can take advantage of today:

Chase Sapphire Preferred: This is our No. 1 travel rewards card because it offers a lot of value and flexibility. It starts off by earning you 2 points for each dollar spent on travel and dining out, and 1 point per dollar on all other purchases. That’s followed up by an industry-leading 50,000 point intro bonus after spending $4,000 in the first 3 months – equal to a whopping $500 cash back. Redeeming your earned points via Chase’s Ultimate Rewards saves 20% off travel costs, enabling you to stretch that 50,000 point intro bonus into $625 in travel. You can also redeem your points for cash back, gift cards and merchandise.

The best part is that you can transfer your points 1:1 to many frequent travel programs with no transfer fees, including United MileagePlus, Southwest Rapid Rewards, Hyatt Gold Passport and Marriott Rewards. That means 1,000 points are equal to 1,000 partner miles/points, straightforward and simple. This feature is likely to appeal to road warriors who are members of various partner programs, as users aren’t limited to spending their points via Chase’s rewards program. In fact, according to our travel rewards card analysis, your 50,000 point intro bonus is worth more than $1,000 when transferred to Hyatt’s reward program. There is a $95 annual fee, but it is waived the first year.

Blue Cash Preferred Card from American Express: The Blue Cash Preferred Card from American Express (a NextAdvisor advertiser) is such a great cash back card that I have one. You’ll earn a spectacular 6% cash back at supermarkets (on up to $6K in purchases annually), 3% on gas and at department stores like JCP, Kohl’s and Macy’s, and 1% on everything else. And if you apply by 1/11/2017, you’ll earn a very generous 10% back on Amazon.com purchases made in the first 6 months, up to $200 cash back. Plus you’ll get a $150 intro bonus after spending $1,000 on purchases with your new card in the first three months – that’s a 15% cash back bonus on the first $1,000 you spend! In addition you’ll enjoy a 0% 12-month intro APR on purchases and balance transfers. There is a $95 annual fee, but depending upon your spending patterns this card should easily pay for itself and then some. For example, if you max out your spending at supermarkets up to the $6,000 limit, you’ll get $360 cash back on groceries alone (plus 1% back after that), which still gives you a total of $265 cash back for the year after subtracting the $95 annual fee! That doesn’t even include the $150 intro bonus, which would get you up to $415 cash back just on groceries and the intro bonus. If you want a similar card that has no annual fee, check out Blue Cash Everyday Card from American Express, which has the same 12-month 0% APR but lower cash back rates and a slightly lesser intro bonus. The lower cash back rate on groceries for this card (3%) means it will only earn you a max of $180 in cash back on groceries each year as opposed to the $360 Blue Cash Preferred from American Express will earn, but it’s still a worthy card to have in your wallet, particularly if you don’t want to pay an annual fee.

Chase Slate: This card was designed with credit card balance consolidation in mind. It’s the only card we’ve found with both a lengthy 0% introductory APR and no balance transfer fee. Its 15-month, 0% introductory APR on both balance transfers and purchases translates to interest-free payments until 2017. Plus, there are no balance transfer fees during the first 60 days of card membership. This is a big deal, as depending upon how much you plan to transfer, balance transfer fees can really add up. In fact, a $0 intro balance transfer fee can save you hundreds of dollars in fees, and the $0 annual fee is also a money-saver. So if you have excellent credit, you absolutely should not be paying any credit card interest. Get this card and transfer your balances.

Discover it Cashback Match: If you’re in the market for a great cash back rewards cards that also has a 12-billing-cycle 0% APR, this is a smart pick. Not only can you transfer over balances from your high-interest cards to the Discover it Cashback Match card and pay zero interest for a full year (note that there is a 3% balance transfer fee), but you’ll get the same 0% intro APR on new card purchases. Plus you’ll earn 5% cash back on categories that rotate quarterly (on up to $1,500 in purchases, then 1% back), and 1% back on all other purchases. Amazon.com, Sam’s Club and department stores are the 5% back categories from now through the end of 2016, which means you can rake in the cash back rewards while shopping for the holidays. Plus Discover will double the cash back you earn at the end of your first year as a card member, making that 5% back effectively 10% back. So if you earn $300 in cash back, Discover will match that $300 for a total of $600 cash back! This is a really great bonus with endless potential, but remember it’s only available the first year so make sure to take advantage of it. Discover it Cashback Match really does have it all – cash back, an extra cash back bonus (2x cashback your first year!), a lengthy 0% intro APR on purchases and balance transfers AND no annual fee.

Your Social Security statements

download-5Social Security can be a big part of your retirement income, so it helps to know if the federal government calculated your benefits correctly.

A Social Security statement details your earnings history and estimated monthly retirement benefit. The Social Security Administration (SSA) mailed 47.9 million paper statements in the 2016 fiscal year, which ended September 2016. And more than 26 million people have a My Social Security account that allows them to check their statements

“Most clients don’t realize the statements are not mailed each year and can’t remember the last time they looked,” said certified financial planner Jan Valecka, owner of Valecka Wealth Management.

How big will your social security check be?  

Not everyone receives a paper Social Security statement each year.

The SSA mails paper statements to workers at ages 25, 30, 35, 40, 45, 50, 55 and 60 who aren’t receiving retirement benefits and do not yet have a My Social Security account. After age 60, people will receive a statement every year. The statements are mailed three months prior to your birthday.

The paper statements differ slightly depending on your age. Here are examples of statements for young workers, people in the middle of their careers and those 55 and older.

The SSA has been mailing paper statements this way since 2014. In 2011, the agency stopped sending everyone paper statements to save $70 million annually on printing and postage costs, but had to backtrack after beneficiaries and lawmakers complained.

People who have an online Social Security account receive an annual email reminder to review their statements.


Focus on the earning record

The Social Security statements are far from perfect.

Last year, Valecka double-checked her statement and noticed that her 2014 earnings were not reported. She is still waiting for her earnings history to be corrected. She reviews her clients’ Social Security statements annually.

Your monthly Social Security retirement benefit is based on your highest 35 years of earnings, so make sure your income is correctly reported on the statement.

If you worked for 45 years, your 10 lowest-earning years will not count in the benefits calculation. If you worked 30 years, your benefit would be reduced because of the five years you did not work. You must work a total of 10 years to qualify for retirement benefits from Social Security.

“Typically the statement does not reflect accurate earnings, which is a big deal.”-Andy Tate, a CFP and financial advisor at North Star Resource Group

The SSA processed 92,000 complaints about statements in the 2016 fiscal year. That official figure may vastly understate the problem.

“Typically the statement does not reflect accurate earnings, which is a big deal,” said Andy Tate, a CFP and financial advisor at North Star Resource Group. “I have seen errors on about 25 percent of them [for his clients].”

The Government Accountability Office recently found that the SSA often fails to give out key details to people in face-to-face meetings and online that could cost them tens of thousands of dollars in benefits.

How to fix an error

The clock is running if you spot an error on your earning record with Social Security.

Officially, you have to correct errors within 3 years, 3 months and 15 days following the year of the mistake.

“As a result, it’s quite possible that mistakes aren’t found until after the deadline to fix them has passed,” said Randy Bruns, a CFP and private wealth advisor at HighPoint Planning Partners.

Even if the time limit has expired, Bruns recommends people still attempt to fix errors on their earnings record because the “SSA has been known to correct mistakes beyond the deadline.”

“The easiness of correction is directly tied to how recent the error was committed.”-Matthew Boersen, a CFP with Straight Path Wealth Management

You’ll need to prove what you’ve earned to have the SSA correct your record. A W-2 form, a tax return or a pay stub will suffice as evidence.

If you don’t have those documents, at least have the name of your employer, the dates you worked and how much you’ve earned when you contact the SSA for a correction.

Need to know about the money

download-4Dinner, getting gas, at the salon … saying thank you in the form of cash is rife with uncertainty. It’s that age old question: Who do you tip and how much?

Fortunately, there are general rules for the Do’s and Don’ts of leaving a tip.

For example, when you order out, tip 10 percent for delivery. At a restaurant, always tip the server between 15 percent and 20 percent on the pre-tax amount. If you are out for drinks with friends, make sure you bring cash for the bartender — usually $1 or $2 per drink is acceptable.

If there’s a restroom attendant, even if you don’t need or want their help handing you a towel, tip 50 cents to $3. A coat roam attendant should get $1 per coat and a valet should receive between $2 and $5.

At a hotel, leave between $2 and $5 per day with a note. Even just a simple “Thank you, housekeeping” goes a long way. For all salons and barbershops, 15 percent to 20 percent of the bill is the norm.

If you have a doorman, make sure to tip $1 to $4 for carrying any luggage and $1 or $2 if they hail a cab for you. And then tip 15 percent to 20 percent to your taxi driver.

Of course, it’s always a good way to show your appreciation throughout the year by giving a little extra cash at the end of the year. The same goes for your everyday coffee shop barista or dry cleaners. (Check out the chart below from The Emily Post Institute for a selection of some often-tipped people.)

It’s also acceptable not to tip when you’re getting gas, using a handyman or plumber, or for furniture delivery. Postal Service regulations only permit carriers to accept small tokens worth $20 or less, and many schools, health-care providers and other companies prohibit cash tips.

Whatever you give, be sure to include a handwritten card thanking that provider for their service. And then make a note for yourself on who you tipped and how much. That way, you won’t face the same anxiety next year.

Read On To Discover More Regarding Payday Cash Loans

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Do you possess an unexpected expenditure? Do you want a bit of help making it to the following shell out working day? You can obtain a cash advance to help you through the next handful of days. You may typically get these personal loans swiftly, but first you need to know several things. Here are some ideas to help you.
Do not be fraudulent over a application for the loan! This can result in fraudulence, which may damage the likelihood of acquiring a personal loan and put you in difficulty with all the legislation.
If you have to get yourself a pay day loan, available a new bank account with a banking institution you don’t normally use. Question the bank for short term inspections, and employ this accounts to obtain your pay day loan. Once your bank loan arrives because of, down payment the exact amount, you must pay back the loan into your new bank account. This protects your regular income just in case you can’t spend the money for bank loan back on time.
Be sure that you know how, and once you can expect to pay off your loan before you even obtain it. Have the bank loan transaction proved helpful to your budget for your shell out periods. Then you could ensure you spend the money back again. If you fail to reimburse it, you will definitely get trapped paying out a loan extension cost, along with extra fascination.
An excellent means of decreasing your expenses is, purchasing whatever you can utilized. This does not just relate to cars. This too implies clothing, electronic products, furniture, and much more. When you are unfamiliar with craigslist and ebay, then make use of it. It’s a fantastic area for getting superb discounts. In the event you could require a fresh computer, look for Google for “refurbished computer systems.” A lot of personal computers can be bought for cheap with a great quality. You’d be amazed at how much money you may help save, that will help you have to pay away from those payday loans.
Ensure you pick your payday loan carefully. You should think of how much time you are given to repay the loan and precisely what the interest rates are like before selecting your cash advance. See what your very best choices are and make your variety to save money.
Compile a summary of every single debt you have when acquiring a payday advance. This consists of your health-related charges, credit card bills, home loan payments, and much more. With this particular list, you are able to determine your monthly bills. Compare them in your month to month income. This will help you make certain you make the most efficient feasible choice for paying back your debt.
Keep in mind that payday cash loans are created only for the best extreme of crisis situations, for example emergency vehicle maintenance or staying away from eviction. These kinds of loans have got a means of trapping you in the program from where you cannot crack cost-free. Your effective wage is going to be under regular, and also the loan provider may try and entice you to take out new financial loans.
An outstanding approach to reducing your expenditures is, purchasing whatever you can used. This may not only affect cars. This too means clothing, electronic products, furnishings, and a lot more. Should you be unfamiliar with craigslist and ebay, then make use of it. It’s a fantastic location for getting exceptional deals. In the event you could require a fresh laptop or computer, lookup Yahoo and google for “restored personal computers.” Several pcs can be obtained for cheap in a high quality. You’d be blown away at the amount of money you are going to preserve, that will help you have to pay off of these payday loans.
Go through all of the fine print on what you read, sign, or may possibly indication with a payday lender. Seek advice about anything at all you may not fully grasp. Measure the self-confidence from the replies offered by the workers. Some just browse through the motions all day long, and have been qualified by a person doing the identical. They could not know all the small print them selves. Never ever think twice to phone their toll-free customer care number, from inside of the retailer in order to connect to someone with solutions.
Make an application for your cash advance very first thing inside the day time. A lot of financial institutions have a strict quota on the amount of payday loans they can supply on any day. When the quota is hit, they shut up shop, and also you are at a complete loss. Arrive there very early to avoid this.
Repaying a payday advance as soon as possible is obviously the best way to go. Spending it well quickly is obviously the greatest thing to accomplish. Funding your loan by way of many extensions and paycheck periods gives the monthly interest time for you to bloat your loan. This may quickly cost you several times the quantity you borrowed.
Avoid taking out several payday loan at a time. It can be illegal to take out multiple pay day loan against the exact same paycheck. Another issue is, the lack of ability to pay back a number of different lending options from a variety of lenders, from a single income. If you cannot repay the financing on time, the fees, and fascination carry on and increase.
Now you find out more about getting pay day loans, consider getting one. This information has provided you plenty of real information. Use the suggestions in the following paragraphs to prepare you to try to get a pay day loan and to pay off it. Invest some time and judge intelligently, so that you can shortly restore economically.

Payday Loans: What You Need To Know

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There are a variety of aspects to consider when you will get yourself a payday loan. Prior to deciding you wish to obtain a payday advance, make certain you know most of the standard information that is certainly included in them. So have a look at the following tips, to discover things to look at when getting a payday advance.

When contemplating a cash advance, despite the fact that it could be tempting be certain not to use a lot more than within your budget to pay back. As an example, when they let you borrow $1000 and set your automobile as security, nevertheless, you only will need $200, credit an excessive amount of can cause the loss of your automobile when you are not able to repay the full financial loan.

Should you must get a pay day loan, wide open a brand new bank checking account with a financial institution you don’t normally use. Check with your budget for short term assessments, and use this profile to obtain your payday advance. When your personal loan will come due, downpayment the total amount, you should pay off the financing in your new bank account. This guards your regular cash flow just in case you can’t pay for the bank loan back again promptly.

Tend not to indicator a cash advance that you just do not comprehend in accordance with your commitment. Lenders who definitely are unwilling to offer this kind of information and facts may not be legit, and may be susceptible to charging additional fees.

Make inquiries about service fees. You can never be way too careful with charges which could come up later, so try to look for out upfront. You may feel as if you owe over you should when you are not aware of these fees. Avoid this case by studying the entire deal cautiously and asking questions when needed.

Well before completing your payday loan, go through each of the small print from the deal. Pay day loans could have a great deal of legitimate language concealed with them, and often that authorized vocabulary is used to face mask concealed costs, high-listed delayed costs along with other things that can eliminate your finances. Before signing, be smart and know specifically what you are actually signing.

Apply for your pay day loan first thing within the time. A lot of loan companies have got a stringent quota on the quantity of payday cash loans they can offer you on any given day. If the quota is hit, they shut up retail outlet, and also you are at a complete loss. Arrive there early on to prevent this.

Tend not to have a personal loan for almost any a lot more than you really can afford to repay in your after that pay period of time. This is an excellent thought to be able to shell out your loan back in full. You may not desire to pay in installments since the fascination is indeed substantial which it can make you need to pay far more than you obtained.

When you have to obtain a payday advance, ensure you go through all fine print associated with the personal loan. If there are actually charges associated with repaying earlier, it depends on one to know them up front. When there is anything at all that you just do not understand, will not signal.

Payday cash loans are simply for urgent situations. These personal loans almost always produce a vicious circle that is difficult to get away. Every single pay day, the pay day loan will eat up your hard earned dollars, and you will definitely not be totally away from debt.

Invest some time shopping around before you invest in 1 lender. You can find a ton of various payday advance companies, every single could have different interest levels, and various terminology because of their lending options. By taking serious amounts of take a look at numerous businesses, you can save lots of your difficult-gained money.

If you are often resorting to payday cash loans to get by, take a shut review your shelling out behavior. Payday loans are as close to authorized financial loan sharking as, legislation will allow. They must basically be utilized in urgent matters. Even there are generally much better choices. If you find oneself on the payday advance constructing on a monthly basis, you might need to establish yourself up with a financial budget. Then adhere to it.

Payday cash loans are a costly short-term answer to an unpredicted function, such as a flat tire. Probably you need to pay hire and also have however to be paid for. A cash advance can save the day. When you stick to the recommendations presented here, you should certainly understand the cash advance program easily.

Ways To Bring You To The Very Best Pay Day Loan

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Payday cash loans, also called short-expression financial loans, offer you economic methods to anybody who requires a few bucks quickly. However, the method could be a little challenging. It is essential that you know what can be expected. The tips in the following paragraphs will get you ready for a payday advance, so you can have a good experience.

As you consider a cash advance, make time to examine how in the near future it is possible to reimburse the money. The attention on payday cash loans can be as very much as 400 percentage, so be sure to recognize that just before recognizing that loan provide.

1 important hint for anyone looking to get a payday advance is not to simply accept the very first provide you with get. Payday loans are certainly not all the same and while they usually have horrible interest rates, there are many that are superior to other individuals. See what kinds of delivers you can find then pick the best one particular.

If you must sign up for a cash advance, be sure you study any and all small print of the loan. If you will find penalty charges related to paying back early, it is up to you to definitely know them in advance. If there is anything at all that you do not fully grasp, tend not to sign.

When having a payday loan be sure to question how their rollovers work to see if the service fees are deducted automatically. Some creditors who provide payday cash loans will organize to restore the loan and consider charges and penalties from the accounts fully automically. Since the rollovers are automated, all that you should do is register one time. Through your bank loan quickly going around each thanks time, it could be very easy to overlook to repay the loan, leading to very high service fees. Look at the tiny printing and select a lender with a great status.

Payday cash loans must be paid for much faster compared to a standard bank loan or credit card. You might need to pay back the loan in 2 days or less. The exception to this is in case you are appointed to obtain a salary within 7 days of your particular date of your personal loan. Typically, this moves your expected go as far back in your after that paycheck.

Are you gonna be in a position to repay the loan inside of 3 weeks? When you have to find more than you can pay, then tend not to undertake it. Brief-term loans for reasonably reduced quantities of dollars do not have to get payday loans. View alternative options before you choose a pay day loan company.

Payday creditors are really collecting with regards to places as well as personal loan possibilities, so they might be extremely attractive for you personally. A payday loan offers a tiny bit of funds lent until finally your upcoming salary. This kind of financial loans are of quick durations. Since these financial loans tend to be temporary naturally, they come with really high interest rates. Nevertheless, those in desperate situations could need them.

Just before agreeing to your loan, read the commitment completely. Be wary for any on the internet loaning firms that want entry to your banking account, since there are a lot of ripoffs available connected with these companies making unwanted withdrawals.

If you need a payday advance, but have got a a bad credit score historical past, you really should think about no-fax bank loan. This kind of loan is like almost every other payday advance, although you will not be asked to fax in every paperwork for endorsement. A loan in which no paperwork are involved signifies no credit score check out, and chances that you will be accredited.

Don’t work with a cash advance except if you have to. If you are having problems, try to visit a credit rating therapist, they may be of some guidance. Paycheck and advance loan lending has driven many individuals towards personal bankruptcy. Be aware that it might be most prudent to protect yourself from taking out even one cash advance.

Be extremely aware of just what the interest levels have payday loans. Some creditors explain to you right away what their rates are, and some make an attempt to hide these details. Prior to signing a loan agreement, consider if it’s seriously worth the cost.

Pay day loans are not for daily expenditures only take them out for urgent scenarios. There should be no problem with getting one, when you use it the way it ought to be utilized. Keep your tips from this write-up at heart when taking out a payday loan.

Introductory Interest Terms

Credit card issuers are in such fierce competition these days to attract new customers that most have started offering sweetheart deals to win you over, like ultra-long 0% introductory interest periods. While these types of offers can be great (switching from paying something like 15% interest to 0% is obviously a smart move), so many cards are offering so many varying offers that sifting through them to find the better ones can become a little confusing.

Like most things, there’s no single answer for everyone, yet in our research, we found that four cards in particular each offered appealing features that beat out other similar cards. One offers a solid 15-month 0% term, yet charges no balance transfer fee. Two more offer nice 0% intro terms together with attractive cash back rewards programs.

15 Months of 0% Intro APR. No balance transfer fee. No annual fee.

The Chase Slate® is tied as our highest-rated balance transfer card, and for good reason. It charges no fee for transferring your balance to it in the first two months, no annual fee, and no interest on balances transferred for a full 15-month 0% intro APR period. This makes it a phenomenal tool to gain control of your credit card debt, as you can make a costless balance transfer, then use the 15-month interest grace period to pay down your balance.

The Verdict: If you don’t need the entire 18 months offered by the BankAmericard, this can be efficient since it doesn’t have a balance transfer fee. No transfer fee and no annual fee, combined with the 0% intro APR means that this is really free money for the 15 month term, no catches.

Most Appropriate For: Those who want a no-fee way to stop paying interest, and possibly pay off the cards during that breather. Those with good rather than excellent credit.

Least Appropriate For: Those who pay off their balances every month would be better served getting a card paying high rewards.

Recommended credit:  Just Good. The Chase card has the most lenient credit requirements of our top balance transfer cards.

More Details >

The Ultra-Long 0% Card

18 billing cycles (months) of 0% Intro APR on balance transfers. No annual fees.

BankAmericard® Credit Card

The BankAmericard® Credit Card is tied as our highest rated balance transfer card, featuring an unbelievable 18 billing cycles (months) 0% APR intro period. This means that if you were to roll your balance over onto the card today, you wouldn’t have to pay interest until well into 2018. The card does charge a 3% balance transfer fee (or $10, whichever is greater), but if you’re looking to avoid paying any interest on your credit card balances for as long as possible, the BankAmericard could be your card.

The Verdict: Getting a loan this cheaply for this long is pretty amazing. If you’re carrying a balance, and realistically you know you will have to carry that balance for a while, this card becomes a no-brainer. As an example, assume you have a $10,000 balance on your current cards at a 18% rate. Over the 18 billing cycle (month) term, you would have paid $3,098 in interest.* Switching to this card would cost $300 in fees, but then nothing the rest of the way, for a net savings of $2,798. Not bad, you could do a lot with that extra cash.

Most Appropriate For: Those who have large balances and want as much interest-free time as possible to pay the principle down.

Least Appropriate For: Those who pay off their balances every month or every few months.

Credit Required: Good to Excellent

Picks It Every Month

You see, renowned investors David and Tom Gardner (whose investing newsletter was reported in The Wall Street Journal as one of the best performing in the world*) just revealed their next great stock ideas.

And I don’t know about you, but I always pay attention when some of the best growth investors in the world give me a stock tip.

But please note: As of right now, you could miss out because you may not be on the list to receive the stock ideas.

You see, David and Tom Gardner only released these new recommendations to members of their service, Motley Fool Stock Advisor.

Lucky for you, it’s not too late to join, so I’m going to show you the simple steps to get on the list today.

But first, consider this:

If you read this note on June 7, 2002… when David recommended Marvel (years before it was acquired by Disney), you’d be up 4835% today.

Or on May 21, 2004, when David first recommended Priceline, You’d be up 6121% today.

Or – more recently – on January 22, 2016… when Tom announced his recommendation of Criteo? In just a few months, you’d be up 22%.

Now if you had invested just $1,000 in each of those stocks, you’d be sitting on close to $156,514 today.

And loyal followers of David and Tom who invested more did even better – a $5,000 investment in each of those ideas would be worth about $782,570 today.

But there’s no need for me to cherry-pick returns here. It’s as simple as this…

David and Tom’s average pick in Motley Fool Stock Advisor (their stock recommendation service) is up 193%, while the S&P 500 during the same period is up just 57%.

In other words, David and Tom’s average pick has tripled the stock market’s return for more than a decade. That track record is remarkable in a world where most fund managers actually lose to the market.

And that’s the reason Stock Advisor has been reported in The Wall Street Journal as one of the top 3 investing newsletters in the world.

Now, you can’t go back in time and invest in those stocks I mentioned earlier.

But you can join today and be among the first people to hear about David and Tom’s newest picks.

For details on how you can join Stock Advisor and put yourself on the list today, simply click here.

In case you’re strapped for time, I just tested it myself and joining took less than two minutes.

Interest Pay With This

Stop wasting money on interest fees! If you’re carrying a balance on one (or several) credit cards, you’re probably paying interest fees each month. Or if you need to make a large purchase that you can’t pay off for a while, you’ll likely start racking up substantial interest on your card. The fees might not seem like that big of a deal, but over time they can add up to a lot of dough and make it much more difficult and expensive to pay down your balance. Did you know there’s a way to avoid paying interest on your credit card balances? By taking advantage of a card with a long 0% intro APR, you can essentially get a free loan and pay down your balance without spending a dime in interest.

The question is, which cards offer the most competitive features and longest 0% intro APRs? We’ve done the research and found the best. In fact, with some of these cards the 0% intro APR is so outrageously long you’ll pay absolutely no interest until 2018!!! Our list of the top 0% intro APR cards is below.

Citi Simplicity Card

With an amazing 21-month 0% intro APR on balance transfers and purchases, the Citi Simplicity Card (a NextAdvisor advertiser) will take you all the way into 2018 without paying a dime in interest. It sounds crazy, but it’s true. There is a 3% balance transfer fee, but given the lengthy 0% intro APR period, it still might be worth transferring a balance to this card (to find out, use our free Balance Transfer Calculator). Additionally, there are no late fees, no annual fee and no penalty rates imposed. This means if you happen to be late with a payment, you won’t be penalized with a higher ongoing interest rate after the 0% intro APR period is over. It does require excellent credit, so if you’re in more of the good credit range consider Chase Slate, which is discussed below. We really like Citi Simplicity because of its super-long 21-month 0% intro APR, lack of late fees and $0 annual fee.

Citi Diamond Preferred Card

Similar to Citi Simplicity, the Citi Diamond Preferred Card (a NextAdvisor advertiser) features a spectacular 21-month 0% intro APR on balance transfers and purchases. It also has a very reasonable ongoing interest rate after the 0% intro period is up. If you’re transferring a balance, you will need to pay a 3% balance transfer fee, but paying no interest until 2018 could make it worthwhile. Take a look at our free Balance Transfer Calculator to see whether this card will work best for your needs. Additionally, the Citi Diamond Preferred Card has absolutely no annual fee and provides a free monthly Equifax FICO Score. You do need excellent credit to qualify for the card, so if you’re not necessarily in that range check out one of the cards listed below that only require good credit.

Chase Slate

If you’re worried about paying a fee to move your balance from your current card(s) to a new card, worry no more. Chase Slate has absolutely no balance transfer fees for transfers completed within the first 60 days your account is open, which means you can transfer your balances from cards with high ongoing APRs to Slate without paying a cent in fees. Plus, you’ll enjoy a 15-month 0% intro APR on both balance transfers and purchases. And if you happen to have a ding or two on your credit reports, Chase Slate is available to those with good credit (rather than “excellent” credit), which is typically a credit score above 670. All this, and there is no annual fee.

Citi Double Cash Card – 18 month BT offer

With a nice balance of cash back rewards and an 18-month 0% intro APR on balance transfers, the Citi Double Cash Card – 18 month BT offer (a NextAdvisor advertiser) hits the spot. There is no annual fee, and the card is available to those with good credit (670+ credit score), but there is a 3% balance transfer fee. Citi Double Cash’s cash back potential is substantial, with an effective 2% back on every single purchase. You’ll get 1% back when you make the purchase and the other 1% when you pay for it, making this an ideal card for making a big purchase you may not be able to pay off for a while. You’ll also receive a free monthly Equifax FICO score, helping you to track your credit over time. Altogether this is a winner of a card, mixing generous cash back with a lengthy 0% intro APR and no annual fee.

Discover it — 18 month Balance Transfer Offer

Combining cash back rewards with a 18-month 0% intro APR on balance transfers and a low ongoing APR, Discover it packs a big punch. Transfers incur a 3% balance transfer fee, but this is pretty standard. Discover it also offers a 6-month 0% intro APR on purchases. Plus, you’ll earn 5% cash back in categories that rotate each quarter (on up to $1,500 in purchases) and 1% back on everything else. Some of the past 5% categories include Amazon.com, gas and restaurants. There is no annual fee and you’ll get a free TransUnion FICO Score each month. As an added bonus, Discover it is available to those with average credit which is usually considered to be a credit score of 670 and up.


Intro APR Card

Do you need to make a large purchase, but are worried about being able to pay it off in a timely manner? Or are you already paying interest on credit card balances that you can’t pay off right away? Consider the Citi Simplicity card (a NextAdvisor advertiser). While there are many other cards with 0% intro APRs, Simplicity’s 21-month 0% intro APR is the longest of any card we’ve reviewed, and it offers a terrific no-fee policy to boot.  Although we don’t recommend spending more than you can afford, Citi Simplicity can help with the purchases you need to make now but may not be able to pay for right away, allowing you to avoid any interest fees for 21 months. You can also transfer balances from other high interest rate cards onto Simplicity to eliminate interest you’re already paying for 21 months.

Below we take a closer look at Citi Simplicity to help you decide if it’s the right card for you. In short, this is a great 0% intro APR card that could save you some serious money in interest and fees as well as give you the time to pay down your purchases and balance transfers. Our full analysis is below.

The Highlights

Right out of the gate, Citi Simplicity‘s biggest attraction is its incredibly long 21-month 0% intro APR for both purchases and balances transfers. Twenty-one months is the longest 0% intro APR period we’ve seen on a major credit card. In fact, with Citi Simplicity you can literally pay no interest until 2018, which is pretty incredible. This is a great perk if you want to make any big or small purchases, as you’ll have until 2018 to pay them off without paying a dime in interest fees. It’s almost like a free (or 0%) loan on purchases you make now, as you won’t have to pay anything for 21 months and if you pay them down completely you won’t pay anything except the actual cost of the purchase.

More strong features include the no late fees and no penalty rates. That means if you happen to be late on a monthly payment or two Citi Simplicity won’t charge you a late fee, and they won’t penalize you with a higher interest rate (of course, you’ll be paying 0% interest for the first 21 months, but after that time period you won’t be penalized with an increased interest rate). Plus there is no annual fee to worry about. Both these perks together, along with the 21-month 0% APR make this a standout card.

Citi Simplicity also provides a 0% intro APR for 21 months on balance transfers. You can transfer you balance(s) from other high-interest credit cards and save a ton of money on interest fees as you won’t be paying any until 2018. And because the 0% intro APR is 21 months long, you’ll have a generous amount of time to gradually pay down your balance.

As an added bonus, Citi Simplicity only requires good credit, which is generally considered to be a credit score above 670. So if have some dings in your credit history, you may still qualify for all the great 0% intro APR perks this card offers.

World travelers can relax, as Citi Simplicity’s chip-enabled card means it will be accepted outside the U.S. Embedded EMT technology is typically mandatory in international countries, and the fact that Citi Simplicity provides it means you can make purchases knowing your card will be accepted.