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Have a 0%* Credit Card Interest Holiday

‘Tis the season for gift giving. In an ideal world, we would all have enough saved for our holiday spending needs. If you find yourself coming up short on cash this year, you’re not alone. While credit cards can help you pay for holiday-related expenses, they often leave you with hefty interest payments well into the new year. Stress levels are high enough. No one wants to be saddled with high-interest debt. How does a credit card with 0%* interest for a year sound? Benchmark VISA® Platinum Credit Card features 0% APR* for 12 months with a $0 balance transfer and $0 annual card fees. Purchases made within the first 90 days of card opening are eligible for the 0% APR* for 12 months. This can be a great solution for your holiday shopping and entertaining needs. If you apply for the card now, you have 90 days of holiday spending that will be eligible for 0% APR*. Best of all, the same 90-day intro rate applies to balance transfers from other financial institutions.

Paying off holiday credit card debt can be much easier when you don’t have to worry about high-interest amounts adding to the total each month. It’s easy to get caught up in the excitement of the season, overlook a budget, and overspend. High-interest credit cards can just add to the problem of overspending as you watch the balance continue to grow. A limited time 0% APR* offer can give you the time you need to pay off your balance interest-free. You’re basically borrowing your holiday money for free if it’s paid off within 12 months.

Enjoy an interest-free holiday 

A 0% APR* credit card promotion can help you get through the holidays on better financial footing. While many financial institutions may have similar credit card promotions, oftentimes the 0% payback period is only a few short months. It’s not every day that you have the ability to take advantage of 0% APR* for 12 months. Using a credit card like the Benchmark VISA® Platinum Credit Card for your holiday shopping can be a smart strategic move when trying to avoid high-interest payments. This is especially true if you can pay off your balance within the 12-month period.

Save when holiday shopping online  

With the coronavirus pandemic still raging on, many shoppers plan to make most of their purchases online. This means increased credit card usage. When using a credit card for online shopping, you may become lax in regard to tracking spending and sticking to your budget. If you take advantage of a good 0% APR* credit card promotion, as well as cash-back or rebate apps, it can help offset any overspending you might do.

A 0% APR* credit card promotion can help you save money this holiday season by allowing you to go interest-free for a certain amount of time. Keep in mind, once that promotional period ends, the card’s regular APR will take over and the interest charges will begin. It’s always in your best interest to pay off the balance before that begins.

Consolidate higher-interest credit card debt

If you’ve already begun your holiday shopping, don’t feel like you’ve missed out, because it’s not too late to save. Benchmark will also allow you to transfer a balance from a credit card with another financial institution to take advantage of this 0% APR* for a limited time. It’s a great way to consolidate higher-interest credit card debt and give you some time to pay down balances interest-free. Best of all, Benchmark charges NO FEE for you to transfer a balance from a higher interest card. Credit card interest can add up quickly. Make the smart financial decision this holiday season and take advantage of our Benchmark VISA® Platinum Credit Card special offer.

 

*APR = Annual Percentage Rate. Rate subject to change & based on an individual’s credit history. 0% Intro Rate is valid for purchases & balance transfer from other institutions within 90 days from card opening. The 0% rate will be in effect for 12 months from first qualifying transaction within the 90 day period & after 12 months the rate on all unpaid balances will convert to the rate member qualified for at card opening. 0% APR promotional rate is only valid on new VISA® Platinum Cards & subject to expire without prior notice.

 

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