0% promo APR 12-18 months with rewards?
 

Bank of America's Alaska car gave me an 18 month offer. Not off to bat but about three months after approval I got the offer

Make sure it's a card with no annual fee.

Otherwise, if the next annual fee hits while you stil have a balance transfer on your account, it could get tricky to pay the annual fee without incurring any interest on it, because the grace period on new charges does not apply cleanly when you are carrying a balance (even if it's a 0% balance).

0 intro apr miles and points card?
 

I'm looking for a 0 intro apr rewards credit card. Are there any sign up offers better than these cards?
1. chase freedom 20k bonus
2. citi ty preferred 20k bonus

Note that it's ok if the card has annual fee for the second year (not first year).

Apparently my US Air card has 0% APR for a year. Didn't even realize it. So that's another one. I think the most recent sign up bonus is 40K miles.

Pretty sure the US airways card only has 0% on balance transfers.

and will likely cost you 3-4% fee to do the BT...horrible idea to do a BT and pay that rate.

Yeah, the US Air card has 0 apr for BTs with a high fee. Any other cards?

The new AmEx EveryDay and EveryDay Preferred are 0% for purchases and transfers for 15 months.

I've just got the Citi Simplicity card & need to do a balance transfer of around $14,000.

Is there any way to avoid the 3% balance transfer fee? MS...?

You can buy VGCs on giftcardmall through a cashback portal and pay the old card via bluebird/serve. That will reduce the "balance transfer" cost to about 1%.

Good idea. I just didn't get one thing. Which portals can you use to buy VGC at Gift Card Mall? I thought portals don't pay cash back anymore for GC purchases.

Nvmnd. I just did some research and found there is a whole bunch of portals like TCB, Befrugal etc who not only sell GCs on a CC but also award some cashback, though pretty small.

I assume these cards can still be used to get money order at Walmart.

Discover 0% intro APR
 

Hey everyone

I'm new to this forum and I just got my first credit card and I have a quick question.

I applied for a discover credit card and I noticed on the paperwork I received it says "Annual Percentage Rate (APR) for Purchases: 0.00% intro APR until the last day of your billing period ending during 12/2015, after the intro APR expires, your APR will be 11.99%. This APR will vary with the market based on the Prime Rate."

I'm trying to understand what 0% intro APR means. Does it mean I won't be charged interest on my purchases until december 2015? Or what does it exactly mean? Thanks.

Yup.

No interest.

0% APR question
 

So today i was being very patient and tried to figure out how the bank calculates the credit card interest.;) Then I have a question about the 0% APR.

Say if my statement balance on Jun 23rd is 2000 dollars, my 0% APR ends and changes to 23% on Jun 28th, and I make a payment of 1000 dollars on Jul 15th. My question is, how much interest would the statement on Jul 23rd show for the period from Jun 23rd to Jul 23rd? :confused: