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I plan on making a few large purchases and want to apply for BB&T card with 0% intro APR. Is this card right for me?
Answered on May 01, 2018 Updated on May 01, 2018
The content is accurate at the time of publication and is subject to change.
BB&T cards come with 0% intro APR on purchases, that is a great feature. But you don't mention if you are planning to earn rewards on your purchases, as only BB&T Spectrum credit card comes with cash back rewards. You may choose from cash back credit offers with 0% intro APR.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.
When you carry a balance on a credit card, your minimum monthly payment will depend on the amount you owe, interest rate and fees. As a rule, you have to pay 1%-2% of your card balance plus new interest and late payment fees (if applicable). If you have any past due amounts, they will be added to the minimum payment as well. So, the more you owe on your credit card, the higher your minimum payment will be. However, you can avoid interest if you pay off the card balance in full each month. Also, there are credit cards with 0% intro APRs that do not charge interest during introductory period.
Credit cards from famous brands often come with high rates and fees. If you want to get credit card for your Uber rides, consider 0% and low intererst credit cards to avoid getting stuck with high interest rates or rewards credit cards. Depending on your lifestyle and preferences you may choose to earn miles, points or cash back on your purchases.
Nordstrom Retail card and Nordstrom Visa cards come with high APR, like most store credit cards. If you don't want to apply for their credit card, you can apply for a regular rewards card that offers 0% APR on purchases.
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