MoneyUnder30.com
MoneyUnder30.com

0% Intro Rate Credit Cards for Excellent Credit

Credit cards with a 0% intro APR can save you money on existing credit card balances or provide no-interest financing for large purchases such as travel, appliances, home improvements, and more. As the economy improves, banks are getting competitive and more generous with their intro APR rates. With your excellent credit, you’ll have the best chance of approval for these top offers.


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Discover it®

Great For: Saving money on large balance transfers

Credit Needed: Excellent

Average Approved Score: 741*

Lowest Approved Score: 702*

  • 0% intro APR on balance transfers for 18 months-then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • 0% intro APR on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
  • Over 5,000 cardmembers rated 4.8 out of 5 stars* and now Discover "Ranked Highest in Customer Satisfaction with Credit Card Companies in a Tie" by J.D. Power*.
  • 5% cash back for online shopping and department store purchases on up to $1,500 - Oct. through Dec. 2014 when you sign up*. 1% cash back on all other purchases.
  • Free FICO® Credit Score online and on monthly statements.*
  • No annual fee, no late fee for your first late payment - APR won't go up for paying late, no overlimit fee and no foreign transaction fee*.
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0%6 Months 0%18 Months 10.99% – 22.99%* Variable $0

Capital One® Platinum Prestige Credit Card

Great For: Balance transfers and low introductory rates.

Credit Needed: Excellent

Average Approved Score: 674*

Lowest Approved Score: 641*

  • Get 0% intro APR on all purchases until December 2015
  • Balance transfers also have a 0% intro APR until December 2015, a 3% fee applies to each balance transferred
  • Enjoy no annual fee
  • Get peace of mind with fraud coverage if your card is lost or stolen
  • Enjoy extended warranty protection on eligible items purchased with your card
  • Easily manage your account 24/7 with online access, by phone, or using our mobile app
  • Pick the monthly due date that works best for you
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0%until December 2015 0%until December 2015 10.9% – 18.9%* Variable $0

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*This information is provided through a relationship with CreditKarma.com. Credit Karma members have received approvals with these TransUnion New Account credit scores. Please note that because other factors may affect credit card approval, these approval metrics are only guidelines and approval is not guaranteed.