Dropping your interest rates as low as 0%
There are several ways to drop your interest rates - even down as low as 0%. By adding this "saved money" toward your RPM, you can dramatically shorten your time until becoming debt free. This section will be continuously updated to bring you the best low APR, and 0% interest offers available.
PLEASE NOTE: Some of these solutions have credit score requirements - if your scores are low, be sure to go through Credit Secrets first, before applying for these options.
Best Balance Transfer Offers With 0% Interest
DiscoverIT Cash Back
0% Intro APR for 14 months.
The Discover IT Cash Back is a rewards credit card that is also ideal for a balance transfer.
This rate then rises to between 11.99% to 22.99% depending on your credit score. It also charges 24.99% APR for cash advances and has no penalty APR.
It has no annual fee. It charges a balance transfer fee of 3% of the amount of each transfer. The cash advance fee is either $10 or 5% of the amount of each cash advance, whichever is greater.
The Discover IT Cash Back card has other features like a free Social Security number alert, turn your account on and off with the Freeze It app, and $0 fraud liability. Also, your cash-back never expires, and you can redeem your rewards for cash.
This card typically requires a credit score of 700+
- No annual fee.
- Between 1x and 5x cash back.
- 3% balance transfer fee
- Cash back doesn't expire.
- Redeem your rewards for cash.
- $0 fraud liability.
Wells Fargo Platinum Card
0% Intro APR for 18 months.
The Wells Fargo Platinum Card is an ideal balance transfer card that offers a 0% introduction APR for 18 months. After this period, the APR ranges between 16.49% and 24.49%, depending on your credit rating.
It also charges an APR of between 23.99% to 25.99% for cash advances and overdraft protection advances.
The card charges an introductory fee of either $5 or 3% of the amount of the balance transfer. This amount depends on the balance transfer amount.
Other fees it charges are up to $40 for late payment and up to $40 for a returned check. Further, it charges about 3% for foreign currency conversions.
Some of the other features the card has are access to budgeting tools, account protection tools, roadside assistance, overdraft protection, and zero liability protection. The Wells Fargo Platinum card accepts people with an excellent credit score.
- No annual fee
- No rewards program
- 3% balance transfer fee
- Access to budgeting tools
- Roadside assistance
- Overdraft protection
- $0 fraud liability.
Best Consolidation Loans
Upgrade - Personal Loans
Consolidate up to $50,000 as low as 5.94% APR
Upgrade Personal Loans can help you eliminate high-interest debt and credit card payments with a lower rate.
With Upgrade, you get a fixed rate that won’t ever change. Be confident that you know how much you’re paying each month..
A personal loan can help you streamline multiple payments into a single monthly payment that’s easy to manage and pay off. On top of that, you save money on interest too!
Upgrade makes it easy to apply online in minutes and see your rate with no obligation or impact to your credit score..
Review multiple loan options and decide which offer is best to help you achieve your financial goals
One Day Funding - Accept an offer and you should receive your money in your bank account within a day of clearing necessary verifications.
- Loans up to $50,000
- One day funding
- Affordable monthly payments
- Get your best rate in 30 seconds
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