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Who has Longest 0% for "PURCHASES"? Also rewards? - Medical!

Epic Contributor

Who has Longest 0% for "PURCHASES"? Also rewards? - Medical!

Hi Hi -

 

I don't think I have ever asked about a 0% card for Purchase not BT! LOL

So my question is who has best 0% - prefer something 18-22 months (Citi was offering for BT, not sure purchase though)

Also chances of any rewards or just focus on the 0%?

 

CareCredit is not an option.

 

This is to handle the growing multiplying medical stuff that never seems to stop! lol

Savings and other credit cards are available to handle all of it but my thought is to continue paying the high payments on the very little debt that is currently 0%(paid off in Jan. if going at it like now) while just charging and paying little on the medical stuff on it's very own card.

Message 1 of 11
10 REPLIES
Established Contributor

Re: Who has Longest 0% for "PURCHASES"? Also rewards? - Medical!

The longest ones that I've seen all seem to come from Citi. When I get their pre-approved applications in the mail, they usually 15-18 months 0% for purchases and BT's.

Discover IT $35K | FNBO Visa $30K | Cash+ Visa Sig $19.5K | Southwest Premier $16K | Priceline $15K | Citi Forward $14.3K | US Bank Plat $14K | Commerce Bank $13K | CSP $13K | CSR $10K | Sallie Mae World MC $10K | Lowe’s Consumer 10K | BoA Cash Rewards 1-2-3 Sig $7.5K | Fidelity Visa $7K | Citi Double Cash $6.5K | WF Cash Back Visa $5.4K | Capital One Cash Rewards $5K | AMEX BCE $3.9K | Freedom $2.5K | Younkers/Comenity $2.4K | Kohl’s 1.5K | Target $1.4K | EX FICO (from AMEX): 768, TU FICO (from Discover): 797, AAoA: 4.4 years
Message 2 of 11
Valued Contributor

Re: Who has Longest 0% for "PURCHASES"? Also rewards? - Medical!

I got 18 months 0% for purchases on bofa cash rewards, bofa amex, Citi foward, Chase freedom, amex bce and citizensbank cash back...
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Message 3 of 11
Mega Contributor

Re: Who has Longest 0% for "PURCHASES"? Also rewards? - Medical!

Jsickz that's very nice! Was the AMEX BCE 0% a targeted offer to you or a regular offer?



EQ FICO 548 3/3/16
Message 4 of 11
Frequent Contributor

Re: Who has Longest 0% for "PURCHASES"? Also rewards? - Medical!

I got the 18month zero % from AMEX for my BCE as well. I did not have any offers on the table whenI app'd for that. my next longest was 12 months from my CU rewards card (Alliant) and my Barclay card.

Back in the garden!
App free since 23Oct2012 reset to 27Aug13 and reset again 4nov13
Message 5 of 11
Valued Contributor

Re: Who has Longest 0% for "PURCHASES"? Also rewards? - Medical!

@ls2982
I dont know if it was a special offer or not useless to me since i pay in full on the bce.
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Message 6 of 11
Contributor

Re: Who has Longest 0% for "PURCHASES"? Also rewards? - Medical!

My citi diamond preffered (for sure) and chase freedom (i think) have 18 month 0% apr for purchases, but I've never seen anything longer than 18 months

My ultimate credit wish,
a JP Morgan Palladium card
Message 7 of 11
Senior Contributor

Re: Who has Longest 0% for "PURCHASES"? Also rewards? - Medical!

Chase Freedom has 0% for 15 mos on purchases AND bal xfers! And you get cash back!
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 8 of 11
Valued Contributor

Re: Who has Longest 0% for "PURCHASES"? Also rewards? - Medical!

Discover gave me 15 months 0% purchase and transfers.  

 

DM Got 21 months (yes, 21 months, I don't know if that exists any longer) for 0% purchase and transfers via a Citi offer.

Message 9 of 11
Frequent Contributor

Re: Who has Longest 0% for "PURCHASES"? Also rewards? - Medical!

i got 15 months on discover and 21 months on citi simplicity mastercard

amazon
Message 10 of 11