MAKE SURE YOU READ THIS ENTIRE PAGE BEFORE APPLYING FOR ANY CARDS!!

Why We Love 0% Cards

As educated investors we are always looking for different funding tools that can help us grow our portfolio more quickly. We like 0% cards because they offer access to free capital that we can turn around and re-invest for much greater returns!

What We’re Looking For

There are tons of different credit cards out there, and when we are choosing which ones to acquire we typically look for cards that include the following:

• 0% Interest Rate (for 12-24 months)
• No Annual Fee
• Purchase Rewards/Bonuses

Approval Requirements

Banks are constantly changing their approval requirements, and the majority of online credit card applications are completely handled by a computer.  With that in mind, this is generally what we’ve observed that banks want to see in order for a 0% card approval:

• FICO Credit Score of 680+
• Income from Employment
• Social Security Number
• Other (currently open, low balance, high limit) Credit Cards

Disclaimers: Not Licensed, No Guarantees, Affiliate Disclosure

We are not licensed credit, financial, nor legal advisors, so none of the information on this page should be construed as credit, financial, nor legal advice. If you seek such advice please talk with the appropriate licensed professional. The information contained on this page simply comes from our personal experience and is for informational purposes only, use it at your own risk.

We offer no guarantees of credit approvals nor credit limit amounts, as that is determined by the issuing bank and the specifics of your income, debt, and credit history. Each credit inquiry (regardless of the approval status) and each new credit line opened will affect your credit score. Please use your credit responsibly.

The buttons below are referral links, which means that if you are approved for a card we may receive a small kickback from the card issuer. For some of them you may actually receive a referral bonus as well, for signing up through a friend!

Application Tips & Tricks

There are a few important things to keep in mind when completing your applications:

• We recommend you apply using a computer with a keyboard (rather than on a mobile device)
• Enter all the information completely and honestly
• Format the information the same on all applications (“123 S. Main St.” vs. “123 South Main Street”)
• Pay close attention to what qualifying income can be included on each application (they usually request “gross” (before taxes) income, and it often can include the employment and investment income of anyone in your household that is over 18)
• Complete each application you want, but wait until all of them are filled out, and then CLICK “SUBMIT” ON ALL THE APPLICATIONS AT THE EXACT SAME TIME (This gives you the greatest chance for approval on ALL the cards, rather than just the first one)
• Rather than adding your spouse as an authorized user on your account, you can have them apply for their own cards separately on their own, and gain access to even more capital!
• Most card issuers will only give you ONE of a specific card (i.e. if you already have the “Chase Freedom Unlimited” card don’t apply for another one)

Application Links

These are the most popular cards that we (and many of of our investor friends) have relied on for years. Click each button to open the application page in a new tab: