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What card to choose? 0% apr

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SantaMar
Regular Contributor

What card to choose? 0% apr

My honeymoon is coming up. I have 15k CL but they are old cards with expired promo rates. I closed my first home 6 months ago and everyday I'm getting solocited with apps. I'm just looking to take advantage of a 0 % apr card that I can take advantage of for my trip.
Message 1 of 6
5 REPLIES 5
creditnocash
Valued Contributor

Re: What card to choose? 0% apr

do you need a 0% purchase apr or a 0% bt apr? 

 

freedom is 0% for the first year i believe. 

and bt slate is a good card from what i hear. 



Current: Fico ScoresEQ~706 TU~719 EX 709 4/28/23

Inquiries (24 Months): EQ 0 TU 0 EX 0| Most Recent: A LONG WHILE
Over 12 Months:0


2023 Goals:
Buy A Home
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000

Message 2 of 6
SantaMar
Regular Contributor

Re: What card to choose? 0% apr

0% APR not BT....
Message 3 of 6
SantaMar
Regular Contributor

Re: What card to choose? 0% apr

Actually a second question so i dont need a new threat....i think i have this correct but i just want to throw this out there for the more experienced people on this site....
assuming i get a 0% APR for 12 months and i rack up 2k in my first month off 20 different purchases (restaurants, drinks, excursions)....and i never use the card for the remaining promo period, my 0% apr is on the entire balance of the 2k, not just my first purchase correct?
Message 4 of 6
leoment
Frequent Contributor

Re: What card to choose? 0% apr

For the entire balance.  

800+ across all three (via FAKOs) has been achieved! Current goal - Get down to 6 cards in total - sitting with 8 currently.
Message 5 of 6
creditnocash
Valued Contributor

Re: What card to choose? 0% apr


@leoment wrote:

For the entire balance.  


x2 

its for the entire 12 months, then after that it gets charged the regular apr. 



Current: Fico ScoresEQ~706 TU~719 EX 709 4/28/23

Inquiries (24 Months): EQ 0 TU 0 EX 0| Most Recent: A LONG WHILE
Over 12 Months:0


2023 Goals:
Buy A Home
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000

Message 6 of 6
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