Credits cards are a great way to finance large purchases that you will be able to pay off within one year.

If you need something now, but don’t have the money, or you have the money, but don’t want to part with your savings, simply make your purchase on a credit card with a 0% introductory rate for at least one year.

You’ll have the benefit of being able to pay off your purchases over the entire year, without having to pay any extra money in interest.

Many credit cards with 0% introductory rates also offer cash rebates on your purchases, so you’ll save additional money when you use the card. With a cash rebate of only 1%, you could save an extra $10 for every $1,000 you spend.

There are 3 important features you’ll want to look for in your credit card:

1. 0% Introductory Rate for at Least 12 Months
2. No Annual Fee
3. Cash Back Rebate Bonus

This way, you’ll have an entire year to pay off your purchases without interest, you won’t have to pay any extra in annual fees, and you’ll earn additional savings for your purchases.

It’s important for you to pay off your purchases within the year, because the standard interest rate after the 12 months have expired could really cut into your savings.

It’s even more important to pay any minimum payments on time, because if you are late on any of your payments, the interest rate could default to a much higher APR and you could be stuck with the payments.

If you still have balances remaining when the 12 months are about to end or you accidentally make a late payment, you may want to read some of these tips on Credit Card Balance Transfers.

We have compiled 3 credit cards below that all offer 0% interest rates on purchases for up to 12 months, no annual fees, and cash rebate bonuses as well. Even if the cash rebate is only 1%, that’s an extra $50 in your pocket when you spend $5,000.

These credit cards are great for financing large purchases or if you need some extra spending power and you plan to carry a balance.

We recommend the American Express or Chase cards if you plan on making a few large purchases and want interest-free financing for up to 12 months with a 1% rebate.

The Discover card is excellent if you plan to make purchases in the select categories that offer a 5% rebate. That’s $50 in cash rebates for every $1,000 you spend, with interest-free purchases for up to 12 months.

Clear from American Express®

Clear from American Express® offers a 1% rebate and interest-free purchases for up to 12 months.

• No fees of any kind. No annual fee, no late fees, no over-limit fees, no balance transfer fees, no cash advance fees.
• Automatic Rewards. You’ll get an American Express branded shopping card worth $25 delivered straight to your door every time you spend $2,500.
• Flexible Payment Terms. You can pay in full, or carry a balance. The choice is yours.
• Flexibility to pay over time
• No annual fee and 0% intro APR for up to 12 months.
• World class Cardmember benefits including Purchase Protection Plan, Buyers Assurance Plan, and Return Protection.

Apply Now!

Chase Platinum MasterCard® Card

Chase Platinum MasterCard® offers interest-free purchases for up to 12 months, plus earn 1 point per dollar spent. That’s a 1% cash rebate when you exchange 10,000 points for a $100 cash rebate check.

• 0% APR* for up to 12 months
• No Annual Fee
• 1 point for every dollar spent
• Redeem for Travel, Cash, Merchandise or Gift Certificates/Cards

Apply Now!

Chase Platinum Visa® Card also available.

Discover® More Card

Discover® More Card offers a 5% cash back rebate on select purchases and up to a 1% rebate on all other purchases, plus it has a 0% interest rate for up to 12 months.

• Earn more cash in more ways than anyone else^SM*
• Unlimited cash rewards, automatically
• Up to 20% Cashback Bonus® when you shop online*
• Double rewards with more than 100 Cashback Bonus Partners*
• Customer Service in less than a minute, anytime you want
• 0% Intro APR for 6 months on Purchases, and 12 months on Balance Transfers

Apply Now!

All of the above cards have the features you need to finance your large purchases today.

Thanks and enjoy.

MaximizingMoney.com