Chip Lupo, Credit Card Writer
@CLoop
No, the OakStone Platinum Card does not have a 0% APR intro period for new purchases. Secured credit cards like the OakStone Platinum Card are meant for building or rebuilding credit, and are not intended for carrying balances or financing large purchases over time. Since secured cards require a security deposit, which typically becomes your credit limit, secured cards don’t give much extra purchasing power.
You’re unlikely to find a secured credit card with a 0% APR deal, but there are plenty of unsecured cards with great promotional 0% periods on purchases and balance transfers. To see which cards you qualify for, check your credit score for free on WalletHub.
OakStone Secured Mastercard® Platinum Credit Card
OakStone Secured Mastercard® Platinum Credit Card
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People also ask
Should I get a 0% APR credit card?
You should get a 0% APR credit card if you have good credit or better, are planning to make a big purchase or balance transfer soon, and have a plan for paying off the balance before the intro APR period is over. If you fit these criteria, you’ll be able to make the most out of a 0% APR credit card.
Making a plan to pay off a large balance can be an organizational hurdle for some...
read full answer by WalletHub, Financial CompanyWhat are the longest 0% APR credit cards?
The U.S. Bank Shield™ Visa® Card has the longest 0% APR, offering an introductory APR of 0% for 24 months on purchases and qualifying balance transfers - subject to a fee of 5% (min $5). The card’s regular APR is 17.24% - 28.24% (V), and it has a $0 annual fee.
Longest 0% Intro APR Credit Card Offers
- U.S. Bank Shield™ Visa® Card: 0% for 24 months
- Wells Fargo Reflect® Card: 0% for 21 months from account opening
- Chase Slate Edge® credit card: 0% for 18 months
- BankAmericard® credit card: 0% for 18 billing cycles
- Fifth Third 1% Cash/Back Card: 0% for 15 months
- Citi Simplicity® Card: 0% for 21 months
- Citi® Diamond Preferred® Card: 0% for 21 months on balance transfers
These cards come with $0 annual fees and typically require good credit or better (a credit score of 700+) for good approval odds. Most don’t offer any rewards, as they’re designed for financing rather than for everyday spending.
Credit Cards with the Longest 0% APRs Compared
| Card Name | Purchase Intro APR | Transfer Intro APR | Regular APR |
| 0% for 24 months | 0% for 24 months – subject to a balance transfer fee: 5% (min $5) | 17.24% - 28.24% (V) | |
| 0% for 21 months from account opening | 0% for 21 months from account opening on qualifying balance transfers – subject to a balance transfer fee: 5% (min $5) | 17.74%, 24.24%, or 28.49% Variable | |
| 0% for 12 months | 0% for 21 months – subject to a balance transfer fee: 3% intro fee ($5 min) for each transfer in first 4 months, and 5% ($5 min) for each transfer after that | 17.74% - 28.49% (V) | |
| 0% for 12 months | 0% for 21 months – subject to a balance transfer fee: 5% (min $5) | 16.74% - 27.49% (V) | |
| Fifth Third 1% Cash/Back Card | 0% for 15 months | 0% for 15 months – subject to a balance transfer fee: 4% (min $5) | 18.99% - 29.99% (V) |
| BankAmericard® credit card | 0% for 18 billing cycles | 0% for 18 billing cycles for any balance transfers made in the first 60 days – subject to a balance transfer fee: 3% | 14.74% - 24.74% Variable |
Store Credit Cards With 0% Intro APRs
It’s important to note that some store cards may offer 0% interest for longer than 21 months, but they use deferred interest. This means there's no interest if you pay off the item in full by the end of the promotion period. So, you should only get such a card if you're planning on paying down your balance in full before the interest-free period ends. But if you miss only one payment due date, then interest will be applied to your entire original purchase amount, as if it had been there from the start. The JCPenney Credit Card is one example, offering 18 months of deferred interest. But these cards are best avoided, due to the potentially high interest rate. Instead, you should check out our picks for...
What happens when 0% APR ends?
When a 0% APR period ends, the credit card’s regular APR will kick in. That rate will apply to any unpaid balance remaining on the credit card as well as any new purchases made from that point on. The regular APR that applies when a 0% APR period expires tends to be very high, so it’s best not to leave much of a balance for it to affect.
The only exception to this rule...
read full answer by Hector Molina, WalletHub AnalystDid we answer your question?
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