0 APR Card Credit Students
0 APR student credit cards are those credit cards that are issued to student and attract 0% annual percentage rate. These cards are generally offered as promotional credit cards and thus, facility of 0% is available for a particular time period only. Introductory time period for which 0% interest rate is applicable starts from the day when the credit card is claimed by the student. 0 APR student credit cards are considered beneficial for those students that have large balance on other credit card, which attracts high interest rates.
Thus, by making balance transfer at 0%, a student is able to make good savings. These cards are also considered as good for the purpose of consolidation of all the debts into one credit card payment. Generally, introductory offer is made for a period of 6 months, which indeed is a good time period for saving interest on higher rate cards. Also, some credit card companies offer introductory period up to 1 year or even 1.5 years. Since there are many types of 0 APR student credit cards available, it is advised that a student should make comparison of all the features of these cards so as to get the best credit card available. Introductory period is also called a grace period. There are many other types of benefits too that are obtained by these cards. For example, some 0 APR student credit cards offer rewards on air flights, cash back rewards, fuel rewards, rewards on other merchandise etc. Most of 0 APR student credit cards are available without any annual fee. One of easiest ways of searching is the best 0 APR student credit card is internet. There are many web sites that specialize in offering 0 APR student credit card deals and a student can easily apply for the same online too. Let us discuss some of 0 APR student credit cards for understanding more.
Some 0 apr card credit students
Capital One Standard Platinum for Students is one important 0 APR student credit card. A student in United States can easily call at 866-547-0808 for getting this credit card. If a student has limited credit history and is finding a card for improving his credit score as well as for receiving different types of benefits, it is one of best credit cards available. This credit card offers 0% APR on all the purchases that are made until Feb 2009. After this date, card attracts variable APR. Currently, this is 19.8%. There is no annual fee or balance transfer fee attached to this credit card. Many students have found this credit card as a manageable credit line for helping control his finances. This credit card is available with online account services and in case of card getting stolen or lost, there is $0 fraud liability.
Similarly, Citi MTV Platinum Select Visa Card for College Students is one of various 0 APR student credit cards available. This credit card provides 0% APR for first 6 months on cash advances, purchases and balance transfers. Student also earns 5 Thank you points for every dollar spent at record stores, restaurants, video rental stores, movie theaters etc. Similarly, a student earns 1 Thank You point for every dollar spent on making other purchases. If a student makes payment in time, he also earns 25 Thank You points. By maintaining good GPA, a student can easily earn 250-2000 Thank You points. It is important to understand here that Thank You points earned by a student can easily be redeemed for gift cards, airline tickets, and M TV events. There is no annual fee attached with this credit card and regular APR attached is 13.99%. For getting this card, a student should have good credit history.
Similarly, a student can also apply for another Citi 0 APR student credit card which is Citi Platinum Select Card for college students. This credit card offers 0% APR for 6 months on all the purchases made as well as balance transfers and cash advances. There is no minimum income requirement or requirement of any co-signor. There is no annual fee attached and this card is offered along with free online account management. $0 liability is attached with all the unauthorized purchases. Regular APR attached is 12.99% and a student should have good credit history for applying for this card.
Capital One No Hassle Cash for Students is also one of various 0 APR student credit cards. This credit card offers 25% annual bonus on the cash earned by a student during a year. 0% APR is offered on all the purchases up to Feb 2009. There is no limit regarding cash back points or rewards and these do not expire throughout the life of credit card. A student also gets 1% cash back on all the purchases made from day one. However, this credit card attracts annual fee of $29 and regular APR attached is 16.9%. Students with limited credit history can easily apply for this credit card.
Chase +1 Student Master Card is also among the important 0 APR student credit cards. This credit card offers 0% introductory APR on all types of purchases made. As far as balance transfers are concerned, 0% APR is offered for a period up to 3 months. There is no annual fee attached with this credit card. A student also earns Karma Points by paying his credit card bills in time or by taking the credit quiz. More karma points are earned at facebook.com. These points can be utilized towards movies, music, electronics etc at all the Chase +1 stores. Regular APR attached with this card is 14.99% and a student need to have a good credit rating for applying for this credit card.
Discover Student Card is also included in the category of 0 APR student credit cards. It offers 0% APR period of 6 months and regular APR attached is 14.99%. There is no annual fee and a student can earn up to 20% cashback bonus by shopping online. Credit rating should be good for applying to this credit card.
