No, the World Of Hyatt Business Credit Card does not have a 0% APR intro period for new purchases. If you’re planning on making a large upcoming purchase and you don’t anticipate paying off the balance for a few months, the World Of Hyatt Business Credit Card is not a great credit card to use.
Alternatively, you can check out the best 0% APR credit cards of 2022, selected by WalletHub’s editors from 1,500+ offers. Just keep in mind that many cards with a 0% APR intro period for new purchases require good or excellent credit for approval. You can check your credit score for free on WalletHub to gauge your odds.
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 (15.24% - 23.99% (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 (15.24% - 23.99% (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 15.24% - 23.99% (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 15.24% - 23.99% (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 15.24% - 23.99% (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 13.49% - 19.49% (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 13.74% - 25.74% 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
0% for 18 months – subject to a balance transfer fee: 5% (min $5)
14.49% - 24.49% (V)
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 - 60 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.
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.… read full answer
The only exception to this rule is a 0% interest period with a feature called deferred interest. General-purpose 0% credit cards don’t have it, but some store credit cards do. This isn’t a true 0% APR deal because the interest is still accruing while it’s “deferred,” and it will apply if you don’t pay your balance on schedule. So when the 0% APR ends on a deferred interest financing offer, you’ll be charged interest on the original purchase amount, as accrued from the purchase date, if you have even $1 of your original balance left to pay. Your deferred interest could also return prematurely if you make a late payment, and it’ll likely be a lot more expensive than a late fee. That’s why it’s very important to make on-time payments on deferred interest credit cards, and to pay off the balance before a deferred interest period is over.
Even though a credit card with a true 0% APR period won’t retroactively charge interest on purchases, be smart with these cards. Interest will apply to any balance remaining when the 0% period ends, so plan out your payments to ensure there’s little left at that point. Using a credit card payoff calculator can be a big help.
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