Looking for a new card with 0%

NoMoreE46 · ‎03-10-2023

Looking for Visa or MC credit card suggestions with 0% in purchases for 15 months or longer. The purchase will be for a new ac system (~ $12,000).

We have the cash but prefer to do it on a card/get a SUB from this.

WF or C1 are off the table due to my current exposure with those Issuers.

AF cards are okay.

Fico scores are > 750

Utility < 6%

3/24

Thanks

JoeRockhead · ‎03-10-2023

Pretty sure BoA still has at least one card with 21 months 0%, might have another with 15 months 0%... Also your heating and air people may have a 0% financing option as well, but of course no SUB with that. My condolences as we had to replace ours this past fall.

SUPERSQUID · ‎03-10-2023

The only card I can think of that is a 15 monther like clockwork on new cards is Discover, ymmv

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MySunrise271 · ‎03-10-2023

Check out Regions Bank, their Life Visa has a 0% offer I think on the website it's 15 months 🤔 I received a targeted offer for 21 months at the end of January.

I replaced mine in Aug of 2021 with a 24-month 0% promotion on my Lowes Advantage card. I just made the last payment in February.

Credit Cards

Brokerage and Credit Unions

Creditwiser · ‎03-10-2023

https://www.nerdwallet.com/m/credit-cards/excellent-low-interest-credit-cards?bucket_id=lp1&gclid=Cj...

Roisin · ‎03-10-2023

We replaced THREE air-handlers last year. Two died, the third was well past it's life expectancy. Of course, this happened after we replaced a well pump that died, as well as a water filtering system, plus some appliances, and more ... Anyway, I don't know how far along you are in your replacement/shopping process, however, after shopping around -- quotes for replacement/labor/financing were wildly different for us -- the best deal we found was financing through the company that actually replaced the units. After paying a little out-of-pocket, we ended up purchasing the units and installation via 60-month, 0% interest payments through a WF CC that was "only" available through the HVAC company, specifically for the purchases we made.

Gmood1 · ‎03-11-2023

The Chase Freedom and Citi Custom Cash both have 15 months 0% promotions.

US bank has several CCs with the 15 months promotions.

The US Bank Cash + is one of my favorites!

NoMoreE46 · ‎03-12-2023

Thanks for you sharing your experience @Roisin.

A friend had the same 0% WF special financing for their AC as well. I am not sure that I will qualify so this thread is to shop around so speak.

Appreciate everyone from the community with all of the helpful suggestions!

Roisin · ‎03-13-2023

@NoMoreE46, I get it. I thought perhaps "special financing" though the HVAC company might see you clear of any earlier issues with WF. Regardless, I hope you find something that works for you.

TRC_WA · ‎03-13-2023

@Roisin wrote:
We replaced THREE air-handlers last year.

@Roisin

Yeah I must say that after spending 30+ years in GA/FL prior to moving to the left coast in 2011 I don't miss the 24/7 AC usage for 9 months out of the year... walking out the door at 5am and instantly sweating... etc... etc...

Most houses here in western WA don't even have AC including mine. I do have a portable unit though just in case we catch a mid 80's heatwave.

FICO8 current as of : 4-6-25 EQ: 736 TU: 728 EX: 722
Hard INQs last 12 months: EQ: 0 | TU: 0 | EX: 0
Verizon Visa $8500 Amex Delta Reserve $10,000 Care Credit $18,000
NFCU CashRewards $7500 Apple Card $7000 Best Buy $8000 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) 6.95%
NFCU motorcycle loan (2024 Harley Davidson Road Glide - Alpine Green & Chrome) 9.45%
Total CL: $64,000 --- Total CC UTI: 31% --- AAoA: 6.5 years --- Income: $200k
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