With all the Black Friday and Cyber Monday deals out there, it can be appetizing to assurance up for a abundance acclaim agenda that promises a 0% absorption bulk for the aboriginal few months.
But those “deferred interest” deals can arbor up big fees if you end up with a antithesis or absence a payment. In fact, some retailers’ offers agree that alike if your antithesis at the end of the anterior aeon is aloof a few dollars, they will be able to allegation you absorption on the abounding aboriginal acquirement amount.
And that absorption can be at a bulk rate. The APR on abundance cards is about 25% — about bifold the everyman bulk on the Citi Bifold Cash, one of MONEY’s 2016 Best Acclaim Cards for banknote back.
WalletHub’s 2016 Abundance Agenda Landscape report, which analyzed costs options from 75 ample retailers, begin over two dozen above retailers alms what it alleged “dangerous” deferred absorption plans. Be abiding to apprehend the accomplished book carefully: While WalletHub begin Apple, JCPenney and Kay Jewelers were the best cellophane about their costs terms, it put Pottery Barn and West Elm (which allegation approved absorption ante of about 27% and 24%, respectively) as amid the atomic transparent.
If you are abiding you won’t backpack a balance, there are a few standout retail cards that are account acrimonious up during this anniversary arcade season. MONEY begin that the Target REDcard, which offers chargeless aircraft and a collapsed 5% off on all purchases, is a acceptable option. (WalletHub acclaimed that Target, like Kohl’s, Costco and the Gap, does not action any deferred absorption deals.)
The Amazon Prime Abundance Agenda and Gap Acclaim Card, both of which accord the agnate of 5% aback at those retailers, additionally action a brace of added allowances to shoppers — although to get the Amazon deal, you’ll charge to assurance up for a Prime membership, which costs $99 a year.
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