Does Chase Ink Preferred Card have a 0% APR intro period for new purchases?

The Chase Ink Preferred annual fee is $95 per year. Chase Ink Preferred’s $95 annual fee is higher than the average annual fee among new credit card offers right now. It’s not the only fee you need to worry about with the Ink Business Preferred® Credit Card, either.

Chase Ink Preferred Fees… read full answer

• Annual Fee: $95
• Cash Advance Fee: Either $15 or 5% of the amount of each transaction, whichever is greater.
• Foreign Fee: $0
• Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.

The best Chase credit card with a 0% APR offer is the Chase Freedom Unlimited. This card offers an intro APR of 0% for 15 months (15.74% - 24.49% (V), thereafter) and has a $0 annual fee. Since the average 0% intro APR for new purchases lasts 12 months, the Chase Freedom Unlimited offer is above average. But there are multiple Chase credit cards with a 0% APR on new purchases, ranging from 0% for 12 months to 0% for 15 months.… read full answer

If you're looking to finance existing debt, the Chase Slate Edge℠ card offers an introductory balance transfer APR of 0% for 18 months (15.74% - 24.49% (V), thereafter). Each balance transfer is subject to a fee: Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days (5%, min $5 after).

Here are some Chase credit cards with 0% intro APR offers:

The Chase Freedom Unlimited card offers an Intro APR of 0% for 15 months on purchases and balance transfers. The card’s balance transfer fee is: Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days (5%, min $5 after). Once the intro period is over, remaining balances are subject to the card's regular APR of 15.74% - 24.49% (V), based on creditworthiness.

The Slate Edge card has an intro APR of 0% for 18 months on purchases and balance transfers. The card is subject to a balance transfer fee: Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days (5%, min $5 after) Once the intro period is over, remaining balances are subject to the card's regular APR of 15.74% - 24.49% (V), based on creditworthiness.

The Chase Freedom Flex card has an Intro APR of 0% for 15 months on purchases and balance transfers. The card’s balance transfer fee is: Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days (5%, min $5 after). Once the intro period is over, remaining balances are subject to the card's regular APR of 15.74% - 24.49% (V), based on creditworthiness. On top of that, the card also offers 1 - 5% cash back on purchases.

The Ink Cash card has an intro APR of 0% for 12 months on purchases. Once the intro period is over, remaining balances are subject to the card's regular APR of 13.99% - 19.99% (V), based on creditworthiness.

Each Chase 0% APR credit card has a higher regular APR once the intro rate expires. To avoid interest charges, you’ll want to pay off your balance before the regular APR sets in. Before you apply, it’s therefore important to compare 0% APR credit card offers and calculate your savings with WalletHub’s Credit Card Calculator.

The longest 0% APR credit card is the Wells Fargo Reflect℠ Card as it offers an introductory purchase APR of 0% for up to 21 months from account opening. That rate is coupled with a balance transfer intro APR of 0% for up to 21 months from account opening on qualifying balance transfers – subject to a balance transfer fee: 3% intro for 120 days, then up to 5% (min $5). Once the introductory periods are over, remaining balances are subject to a regular APR of 14.49% - 26.49% Variable. Given its $0 annual fee, the Wells Fargo Reflect card makes for a great option both for financing larger purchases and transferring pre-existing debt. There are several other options with long 0% intro APRs that are worth your consideration.… read full answer

Here are the longest 0% APR credit cards:

These cards benefit from $0 annual fees and require good credit or better (a credit score of 700+) for good odds of approval. None of these cards offer rewards, but they’re meant for financing rather than regular spending. You can always adopt the island approach and use a different rewards card for purchases you’ll pay in full each month. All of these cards also require good or excellent credit.

It’s important to note that some store cards may offer 0% interest for longer than 21 months, but they use deferred interest. That is, you earn interest on your balance during the 0% period but don’t have to pay that interest if and only if you bring your balance to $0 before the 0% period ends. The JCPenney Credit Card is one example, offering 18 - 48 months of deferred interest. But those cards are best avoided, because not paying your balance in full by the end of the intro period allows for a high APR to retroactively apply to your entire original purchase amount – as if the low intro rate never existed.