Using a credit card to pay down a balance over time can be convenient, but there is a trade-off: interest charges. You can think of interest as the fee you pay for borrowing money, usually expressed as a percentage of your balance. You can avoid interest entirely if you pay your balance in full each month.
With a zero interest credit card, you get the best of both worlds: the ability to split up payments over a certain amount of time without accruing interest charges. These credit cards will typically offer new cardholders a 0% introductory APR period – usually 12 months or longer – in which new purchases or even balance transfers made with their card do not accumulate any interest.
With the right zero interest card, you can save hundreds or more. Our experts have analyzed 1,002 different credit cards with a 0% introductory APR period and listed the best offers from our partners, making your decision that much easier. For more, check out our payoff calculator to estimate how much you could save with a zero-interest credit card.
Using a credit card to pay down a balance over time can be convenient, but there is a trade-off: interest charges. You can think of interest as the fee you pay for borrowing money, usually expressed as a percentage of your balance. You can avoid interest entirely if you pay your balance in full each month.
With a zero interest credit card, you get the best of both worlds: the ability to split up payments over a certain amount of time without accruing interest charges. These credit cards will typically offer new cardholders a 0% introductory APR period – usually 12 months or longer – in which new purchases or even balance transfers made with their card do not accumulate any interest.
With the right zero interest card, you can save hundreds or more. Our experts have analyzed 1,002 different credit cards with a 0% introductory APR period and listed the best offers from our partners, making your decision that much easier. For more, check out our payoff calculator to estimate how much you could save with a zero-interest credit card.
Chase Freedom Unlimited® – 15-month 0% intro APR for purchases
Regular APR is 14.99 - 23.74% Variable
Bank of America® Cash Rewards credit card – 15-billing-cycle 0% intro APR for any balance transfers made within the first 60 days and purchases
Regular APR is 13.99% - 23.99% Variable APR on purchases and balance transfers
Wells Fargo Platinum card – 0% intro APR on purchases and qualifying balance transfers for 18 months from account opening
Regular APR is 16.49%-24.49% (Variable)
Wells Fargo Cash Wise Visa® card – 0% intro APR on purchases and qualifying balance transfers for 15 months from account opening
Regular APR is 14.49%-24.99% (Variable)
Citi® Double Cash Card – 18-month 0% intro APR for balance transfers
Regular APR is 13.99% - 23.99% (Variable)
BankAmericard® credit card – 18-billing-cycle 0% intro APR for any balance transfers made within the first 60 days and purchases
Regular APR is 12.99% - 22.99% Variable APR on purchases and balance transfers
CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Intro Offer: Unlimited Cashback Match - only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! There's no minimum spending or maximum rewards. You could turn $150 cash back into $300.
CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Editorial disclosure: All reviews are prepared by CreditCards.com staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the bank's website for the most current information.
All information about the Navy Federal Credit Union Platinum card has been collected independently by CreditCards.com. The issuer did not provide the content, nor is it responsible for its accuracy.
Comparing zero interest credit card offers
Zero interest credit cards let cardholders skip paying an annual percentage rate on purchases, balance transfers or both for a set period of time, usually six to 18 months. You’ll still have to make at least your minimum payments on the card each month.
Overview: If paying off debt is your top priority and you have good to excellent credit, the Citi Diamond Preferred Card could be a lifesaver. The card comes with an extremely long introductory APR offer: 0% for 18 months on balance transfers completed within the first 4 months and purchases, after which your APR is a relatively low 14.74% to 24.74% (variable).
Pros: There’s no annual fee. Plus, cardholders do enjoy certain Citi benefits, including Citi Entertainment, Citi Easy Deals and Citi Flex Plan.
Cons: The lack of a base rewards program limits this card’s long-term value. There’s a balance transfer fee of 3% of your balance or $5, whichever is higher.
Overview: One of the best rewards credit cards on the market, the Discover it Cash Back also touts a 0% intro APR for 14 months on new purchases and balance transfers (11.99% to 22.99% variable after that).
Pros: You earn 5% cash back on the first $1,500 you spend in rotating bonus categories each quarter (upon activation, then 1%) and Discover matches your cash back at the end of your first year. The Q2 2021 categories include gas stations, select streaming services and wholesale clubs.
Cons: There is a 3% intro balance transfer fee (up to 5% fee on future balance transfers).
Overview: This no annual fee card has a decent 0% intro APR on purchases of 15 months, which means you pay off purchases without paying interest throughout 2021; it’s 15.49% to 25.49% variable after that.
Pros: Cardholders earn 1.5% cash back on all purchases. They can also earn $200 after a $500 spend within the first 3 months.
Cons: There’s no 0% intro APR on balance transfers.
Overview: You can get 0% intro APR for 15 months on purchases, then it’s 14.99% to 23.74% variable.
Pros: Cardholders receive 5% cash back on travel purchased through Chase Ultimate Rewards; 5% cash back on Lyft purchases (through March 2022); 3% cash back on dining and drugstore purchases; and 1.5% cash back on general purchases. The sign-up bonus on this card is $200 after a low $500 spend within the first 3 months.
Cons: There’s no 0% intro APR offer on balance transfers.
Overview: New cardholders can take advantage of a 0% introductory APR on purchases and for any balance transfers made in the first 60 days for 15 billing cycles (after that it’s 13.99% to 23.99% variable).
Pros: Choose one of 6 valuable categories each calendar month for 3% cash back: gas, online shopping, dining, travel, drug stores or home improvement/furnishings. Plus, you’ll also earn 2% cash back at grocery stores and wholesale clubs (up to the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then earn 1%).
Cons: Keep in mind that any balance transfers will be subject to a fee of 3% ($10 minimum).
Overview: The Wells Fargo Platinum boasts an impressive 18-month-from-account-opening introductory APR period for both purchases and qualifying balance transfers (then 16.49% to 24.49% variable APR). If you’re looking to maximize the amount of time you can avoid interest charges, this is one of the best offers on the market.
Pros: The card carries no annual fee.
Cons: There is a tradeoff if you’re going to transfer a balance: a fee of 3% or $5 (whichever is greater) for transfers made within the first 120 days from account opening, then up to 5% after that ($5 minimum). Also, there is no rewards program, so the long-term value of this card is limited.
Overview: There’s a 0% intro APR on purchases (15 months, then 13.99%to 23.99% variable).
Pros: You’ll enjoy an impressive cash back rewards program for no annual fee. That includes 3% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%); 2% cash back at U.S. gas stations and select U.S. department stores; and 1% cash back on general purchases. Cardholders can also earn $200 when they spend $1,000 in their first 3 months.
Cons: There is no 0% intro APR balance transfer offer.
Overview: There’s a 0% intro APR offer on purchases for 15 months (then it’s 15.49% to 25.49% variable).
Pros: The SavorOne offers 3% cash back on dining and entertainment, as well as 2% cash back at grocery stores. It’s 1% cash back on everything else. You can also earn $200 if you spend $500 in your first 3 months. There is no annual fee.
Cons: There is no zero percent introductory APR for balance transfers.
Overview: There’s a 15-month introductory APR period from account opening for purchases and qualifying balance transfers made within the first 120 days (14.49% to 24.99% variable APR thereafter).
Pros: The card keeps its value long after that intro APR period ends, offering 1.5% cash rewards on purchases. Plus, you’ll earn a boosted rate of 1.8% cash rewards on digital wallet purchases for the first 12 months if you use the card to pay through Google Pay™ or Apple Pay®.
Cons: There’s an intro balance transfer fee of 3% or $5 (whichever is greater) for 120 days from account opening, then up to 5% ($5 minimum).
Overview: You’ll pay 0% interest for the first 18 months on balance transfers, after which the APR is 13.99% to 23.99% (variable).
Pros: One of our favorite flat-rate cash back cards, the Citi Double Cash Card offers 1% cash back on general purchases and 1% cash back as you pay those purchases back. There’s no annual fee.
Cons: The balance transfer fee for new cardmembers is either $5 or 3% of the amount of each transfer, whichever is greater. There is no 0% intro APR offer for purchases.
Overview: With this card, you’ll have 18 billing cycles to take advantage of a 0% introductory APR on both balance transfers made within the first 60 days and purchases. After that, your regular APR ranges from 12.99% to 22.99% variable.
Pros: The low regular APR and lack of an annual fee make this card more valuable than the average 0% APR card.
Cons: The balance transfer fee is a standard 3%, with a $10 minimum.
Research methodology
We analyzed over 1,000 zero interest intro APR credit cards to identify some of the best offers on the market. The major factors we considered were:
0% intro APR period for purchases: Does the card allow you to skip interest charges of purchases for a set period of time? If so, how long does the offer last?
0% intro APR period for balance transfers: Does the card allow you to skip interest charges on a balance transfer for a set period of time? If so, how long does the offer last?
Regular APRs: After the introductory period expires, are the purchase APRs and/or balance transfer APRs reasonable, relative to the current industry average?
Balance transfer fee: Do you have to pay a fee to transfer a balance onto the new card and take advantage of the zero percent offer? If so, is the fee reasonable relative to the industry standard?
Overall card value: Does the card offer benefits once the introductory 0% APR offer ends? For no-frills cards, we considered whether continued use would cost cardholders an annual fee.
Other criteria used include other rates and fees, rewards rates, extra benefits and features, customer service, credit needed, ease of application and security features.
What are zero interest credit cards?
Every credit card comes with an APR, also known as an interest rate, which is usually expressed as a percentage. APR stands for annual percentage rate and is essentially the cost of using the credit card to borrow money. The lower the interest rate, the less interest you will pay.
A 0% interest credit card allows you to use the card without accumulating interest for a set amount of time. Some cards even offer a 0% intro APR period for debt you transfer from a different card, too, which can be a saving grace for those who are overwhelmed by an existing credit card balance. Zero interest cards usually require good or excellent credit and often have no annual fee.
How do 0% interest credit cards work?
Each zero percent introductory offer is different, but there are a few nuances that you should be familiar with when evaluating each one.
Zero percent intro offers are usually only for new applicants. If you’ve already had the card for years when you find out about the 0% intro offer, chances are you won’t qualify. Another situation that usually makes one ineligible for a 0% intro APR offer is completing a product change. Say you call your card issuer and ask to trade your card for a different one without closing your account. Even if the card is new to you, your account wouldn’t be considered new.
Some zero percent intro offers are only for balance transfers. With balance transfers, the 0% intro APR offer is usually only valid for balance transfers made within a short period of time after you open the account, such as 60 days. Sometimes you can transfer balances from multiple cards. You’ll usually have to pay a fee for transferring a balance, something like 3% to 5% of the transfer amount. If you still have a balance when the intro APR period is over, the ongoing APR will apply to whatever the current balance is.
Some zero percent intro offers are only for purchases. You can carry a balance from month to month without accumulating any interest until your intro period is over. Once that period ends, any balance remaining on your card will accrue interest.
How do I choose a credit card with no interest?
When looking for an intro 0% interest card, you’ll have options – according to our January 2021 survey, there were 36 cards offering a 0% introductory APR for balance transfers. But how do you choose one? Start by considering these factors.
Credit score: The bulk of cards with high-quality balance transfer and purchase offers require good or excellent credit. There are exceptions, but the offers may not include a term with 0% or they may have a short offer. For example, the Discover it® Student Cash Back offers 0% intro APR for 6 months on purchases and 10.99% for 6 months on balance transfers (then it’s 12.99%-21.99% variable).
Balance transfer fee: Most cards that allow balance transfers charge a fee, which is usually 3% or a set dollar amount, whichever is greater. A precious few cards sometimes waive this fee, which can save you hundreds of dollars, depending on your balance. But there’s a tradeoff, because you may not get rewards or a lengthy offer. For example, the Navy Federal Credit Union Platinum card offers no balance transfer fee but no rewards to speak of.
Length of offer: When you are looking for rewards in an intro 0% credit card, the zero percent offer is often lower than a card that exclusively offers an introductory 0% on balance transfers and/or purchases. An exception is the Citi® Double Cash Card, which has strong rewards, as well as an 18-month 0% intro APR offer on balance transfers (then it’s 13.99%-23.99% variable).
Annual fee: Most cards with a 0% intro offer have no annual fee, although there are a few that do, so check before committing. For example, the Blue Cash Preferred® Card from American Express has a 12-month 0% intro APR offer on purchases (then it’s 13.99%-23.99% variable) and a $95 annual fee, although it is waived in the first year.
How does your credit score affects your interest rate?
Not only does your credit score impact whether you get credit, your score affects what interest rate you get. This is true of all types of credit, including mortgages, car loans and credit cards.
Your credit card issuer will look at your application and your credit score to decide where on that variable range your interest rate will land. For example, the range may be 11.99%-22.99% variable APR, and because you have excellent credit and a solid income, you are granted a lower interest rate of say, 12.99%. Have a credit report that shows some missed payments? The interest rate you are assigned will likely be on the higher end.
How to make the most of your zero interest intro APR
Transfer existing, high-interest debt
Chipping away at credit card debt is a good thing, but it’s even better to do so without paying interest charges.
For example, say you’re currently carrying a $2,000 balance on a credit card with a 16% APR and you’re making $60 monthly payments. You can expect to pay that balance off in 45 months and pay $662.73 in total interest. Were you to transfer your balance to, say, the BankAmericard® credit card, which offers an 0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days at 3% fee (min. $10), you could expect to pay that balance off in 37 months and pay $212.51 in interest**. That means you’ll pay the balance back 8 months sooner and save $450.22 in interest.
Our balance transfer calculator can help you determine how much you could save by transferring your current balance to various cards with a 0% intro APR.
Plan large purchases ahead of time
Do you have a home improvement project on the horizon? What about a car repair, or even a vacation? If you have a large purchase planned, taking advantage of a 0% intro purchase APR offer can reduce some of the financial strain.
Using our balance transfer calculator, if you were to charge $3,000 in car repairs to a credit card with an 18% APR on purchases and pay those repairs off in $500 monthly increments, you would pay $168.04 in interest over 7 months. But if you charged those repairs to a credit card with a 0% introductory offer for at least 6 months, you could skip interest entirely and pay your balance off one month earlier.
Make sure your balance is as close to zero as possible when the intro period ends
Any balance that you still owe at the end of your 0% intro period will be subject to interest charges, even if you made the purchases before the intro period ended. For that reason, you should be hyper-aware of when that period ends.
For instance, let’s say you charged $5,000 to a zero percent interest credit card, but are only able to pay off $2,000 before the 0% introductory offer expires. If that card then carries a 22% APR and you start making $500 monthly payments, it’ll take you another 7 months to pay off the balance and you’ll pay $208.34 in interest.
* *All calculations were obtained using our balance transfer calculator.
How to reduce your interest costs
All good things must come to an end, and that includes 0% introductory APR periods. When that time comes, your credit card balance will be subject to interest charges, which can add up quickly if you’re not careful. Let’s look now at how to minimize your interest costs.
Don’t carry a balance over to the next month. The best way to avoid interest charges is to pay your balance in full and on time each month. Not only will you avoid interest charges, but you’ll also give your credit score a boost.
Pay more each month. By paying just $100 more each month toward your balance, you can dramatically lower how long it takes to pay off the debt, as well as the total you pay in interest.
Ask for a lower rate. We’ve found that by picking up the phone and calling, you have a fair shot of getting your issuer to lower the rate.
If you’re looking to pay down a balance over time while minimizing interest charges, a 0% intro APR card is one of the best ways to do so. But there are shortfalls, like the fact that you usually need good to excellent credit to qualify. Here are a few similar options for those looking to pay minimal interest.
Bad credit? Consider transferring a balance to a card with no intro APR. Not all balance transfer cards offer introductory 0% interest periods. If you’ve got bad credit, you might have a better shot at approval for a balance transfer card with no introductory APR offer. If you can find a card with a better APR, you may still be able to save money by transferring a balance, even without the introductory period.
Look for a low interest credit card. While a 0% intro APR period is nice, the ongoing interest rate is important in the long term. If you might carry a balance in the future, a low interest card can save you money.
Negotiate a lower APR with your current issuer. Some credit card issuers may lower your APR if you make a good case for why you need it. Citing the current financial hardship you’re experiencing, as well as a positive history of on-time payments, will help your case. Read our full guide to lowering your credit card interest rate for step-by-step help.
A 0% intro APR offer allows you to carry a balance month to month while paying no interest for a set amount of time, up to 21 months. Then the regular APR kicks in, which is typically a variable rate within a specific range.
These are great cards for paying off a card balance (or two) without incurring more interest charges. They are also good for consolidating debt into a single payment. These cards can sometimes offer 0% APR on purchases for a limited time. With balance transfers, you can avoid the debilitating costs of interest fees, which can number in the thousands of dollars over time.
Unlike other types of loans, credit cards have several APRs, which we look at here.
Regular APR – This APR is applied when you make a purchase. When you allow the balance to carry over past the grace period, you face interest charges. This is the most common interest rate on a credit card.
0% intro APR on purchases – If you make purchases while your card has a 0% intro APR offer on purchases, you will not pay interest, provided you follow the issuer’s rules. Once the offer ends, if a balance remains, the go-to rate kicks in.
0% intro APR on BT – When you transfer a balance to a new card, if there is a 0% intro APR offer, you will not pay interest during the offer period, provided you don’t violate any rules. If there is a balance after the offer ends, the go-to rate kicks in.
Go-to APR – A go-to APR, typically the regular APR, is the rate you pay once a 0% intro APR period ends.
Penalty APR – If you aren’t making payments – in other words, you are delinquent – you can face this rate. This rate is quite a bit higher than the other rates. Some cards, such as the Discover cards, don’t have a penalty APR.
Cash advance APR – When you take out a cash advance, such as when you make an ATM withdrawal, you are charged this rate. While not as high as the penalty rate, it is typically higher than purchase or balance transfer APRs. There is no grace period with a cash advance, so count on being charged interest from day one.
You know now that paying down your debt is optimal, but high interest rates can increase the total amount you pay in interest and delay your payoff timeline. Most credit cards have a variable rate, anywhere from 14%-27%. The rate you are given by the card issuer depends in part on your creditworthiness.
Say you owe $5,000 and you are assigned a 14% interest rate. If you pay down $300 each month, it will take you 19 months and you will pay $592.79 in interest.
Now, take that same $5,000 but with 27% interest. If you pay the same $300 each month, it will take you 22 months and it will cost you $1,337.32 in interest.
As you’ve probably figured out, the sooner you pay the debt, the less in interest you’ll pay. But the interest rate is another huge factor, as you’ve seen. Check out our handy-dandy calculators to crunch the numbers yourself and see how you can minimize your interest charges.
There are 2 types of 0% intro APR offers: balance transfers and purchases. In the last year, balance transfer offers all but dried up, but they are now starting to come back, and there are excellent opportunities out there. Purchase offers are more common and we had no trouble finding superior purchase offers for you.
Long balance transfer offer. The U.S. Bank Visa® Platinum Card offers 0% intro APR for 20 billing cycles on balance transfers. Then it’s 13.99%-23.99% variable. If you’re looking for a product with a superior BT offer and rewards, the Citi® Double Cash Card is stellar, with an introductory 18 months at 0%, then it’s 13.99%-23.99% variable. The advantage to the Double Cash is that it offers rewards, while the Platinum doesn’t.
Long purchase offer. Again, the U.S. Bank Platinum Visa offers 0% intro APR for 20 billing cycles on purchases, making it top-notch. Looking for a purchase offer in the CreditCards.com lineup? Consider the Citi® Diamond Preferred® Card, with 0% intro APR on purchases for 18 months, then it’s 14.74%-24.74% variable. (The Diamond Preferred also offers 18 months with no interest on balance transfers, then 14.74%-24.74% variable.)
A 0% intro APR credit card offers that rate for a limited time, anywhere from 6 months to 18 months, then you are charged the card’s go-to rate for the remaining balance, which is typically the regular variable APR.
A low interest credit card is usually a card with a rate that is below the national average, which is currently about 16%. Because most credit cards in the U.S. offer a variable rate that is tied in part to your credit score, you could still be granted a rate above the national average, even if your bank offers a variable rate that falls below that average. For example your card’s rate may be 11.99%-22.99% variable APR, but you might be granted a rate of 18%.
We’ve found that 0% intro APR offers typically require good or excellent credit. There are some intro APR cards that accept lesser credit and even no credit history, but their offers are typically not as rich.
If you have your eye on a 0% intro APR card but you don’t think you have the credit for it, you’ll need to pay your card bills on time each month and start making a dent on your debt. Ironically, you might want the 0% APR card because of existing debt, but you might need to pay some of it down to free up your available credit, which is the second most important aspect of your credit score.
Once you get your FICO score to 670, it’s time to start applying. Make sure you don’t apply for multiple cards at once, because each card you apply for temporarily knocks your score down a few points. Card issuers also look at your income, so make sure you include all income that you have legitimate access to, such as your spouse’s income.
Of the 0% intro APR offers on purchases that CreditCards.com features, the average offer period is 13.3 months and starts at 6 months and goes up to 18 months. Balance transfer offers with 0% intro APR average about 14 months and can also go up to 18 months. These figures are as of 2/9/21.
A credit card with a 0% introductory APR usually offers new cardholders a certain amount of time to use the card without accruing any interest at all — maybe for new purchases, balance transfers or both. Once that period ends, the regular APR kicks in. On the other hand, a low interest credit card might offer an introductory APR, but the main selling point is that the regular APR is lower than average.
Credit card offers are always changing, but one of the longest 0% intro APR offers we’ve seen is that of the U.S. Bank Visa® Platinum Card, at 20 billing cycles on purchases and balance transfers (after that it’s 14.49% to 24.49% variable).
A zero interest intro APR of 15 months is about average. On the high end, you’ll find intro APR offers of 18 months or longer. On the low end, 14 months or shorter is common.
Closing a credit card may ding your credit score, so it’s best to avoid doing so without good reason. Even if you don’t plan to use the card, an inactive account isn’t a bad thing. If nothing else, it helps your credit score by contributing to your total credit available.
On the other hand, if the card is costing you money to have around – maybe by way of an annual fee – closing the account may be the right move.
About the Author
Jeanine Skowronski
Jeanine Skowronski is a credit card expert, analyst, and multimedia journalist with over 10 years of experience covering business and personal finance. She has previously served as the Head of Content at Policygenius, Executive Editor of Credit.com, Deputy Editor at American Banker, Staff Reporter at TheStreet and a columnist for Inc. Magazine. Her work has also been featured in The Wall Street Journal, Fox Business, Business Insider, U.S. News & World Report and more.
About the Editor
Tracy Stewart
Tracy Stewart is a personal finance writer specializing in credit card loyalty programs, travel benefits, and consumer protections. He previously covered travel rewards credit cards, budget travel, and aviation news at SmarterTravel Media. His money-saving tips have appeared in the Washington Post, the Wall Street Journal, Consumer Reports, MarketWatch, Vice, People, the Zoe Report and elsewhere.
About the Reviewer
Ted Rossman
Creditcards.com analyst Ted Rossman has helped consumers make well-informed decisions about credit cards for over ten years. His advice is regularly featured with major media outlets such as the TODAY Show, Good Morning America, the Wall Street Journal and the New York Times among others. He can be reached at ted.rossman@creditcards.com.
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