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  Capital One® |
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| Grace Period | Intro APR PURCH. | Intro Period PURCH. | Intro APR BAL.TR. | Intro Period BAL.TR. | Annual Fee |
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| 25 days | n/a | n/a | n/a | n/a | $0 |
Cards with Large Grace Period Online
Applying for a credit card we pay great attention not only to its options and features. We also are interested in grace period within which we are not required to pay any charges on a credit card by paying all the balance before the due date. And as any other features of credit card that vary, grace period can be also larger or smaller. Read on!
| Bank name Credit card name |
Grace Period | Intro APR PURCH. | Intro Period PURCH. | Intro APR BAL.TR. | Intro Period BAL.TR. | Annual Fee | Apply Details |
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 American Express Blue from American Express® |
20 days | 0% | 15 months | 4.99% | Until Paid Off | $0 |
 see details
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 Citibank Citi® Platinum Select® Card® |
20 days | 0% | Up to 12 months | 0% | Up to 12 months | $0 |
see details
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 Chase Bank Platinum Visa® |
20 days | 0% | 12 months | 0% | 12 months | $0 |
see details
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 Merrill Lynch MERRILL+® Visa® Credit Card |
25 Days | n/a | n/a | 1.9% | 12 billing cycles | $0 |
see details
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 Discover® Card More Card - American Flag |
25 days | 0% | 6 months | 0% | 12 months± | $0 |
see details
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Purch.--Purchases, Bal.Tr.--Balance Transfers, n/a--Not Applicable | ||
Practical Guidelines
Applying Online for Large Grace Period Cards
The meaning of the word "grace" carries only positive meaning. Someone waits for days of grace because of the own reasons and needs. No doubt, all of us like a grace period (free period) relating to credit cards and debt payment.
Most credit cards offer you a grace period of 20-25 days before you start to pay interest rate on the purchases made with the card. Free period varies depending on the type of card and its issuer.
If your card does not include a grace period, you may be charged starting from the day you use your plastic. Keep in mind, a pay that you made even a day past the expiration of free period, is late. And even the one-day missed payment will lead to sad consequences. Besides paying the fees and penalties, you can harm your credit history which plays a great role in getting loans and credits and having lower rates.
So, always make payments on time to avoid such mistakes and keep your credit history stable! And don't carry balances on your plastics because some card issuers allow a free period on accounts without balances born from the preceding month. Therefore you may not have a free period for new purchases and may be charged interest right after you make the first one.
The grace period generally applies only to new purchases.
If you are in need of cash and wish to apply for cash advance option, you won't have a grace period even when your balance of previous month is paid in full. So, be ready to start paying interest rates from the day of money withdrawal. The same is about balance transfer. But don't go to pieces, both of these options are alluring by or in themselves and sometimes can be like magic wands in financial needs.
Don't Know What Grace Period You Have?
Usually you carry not one or two plastics but much more. And most probably many of you don't know for sure what grace period they have. Finding it out is quite simple. You can look at the back of your monthly credit card statement and check whether your average everyday balance includes or excludes new purchases.
Sometimes it happens that you look at your statement and can't determine what grace period you have. Contact the bank or credit card issuer! It will send you a copy of the consumer agreement, where you can find the computation method described.
At our web site we have collected only the best grace period credit cards from the major banks and credit card companies of the US. If you need a credit card with larger grace period, then pay attention to credit card deals with a free period of 25 days. That is the largest grace period of credit offers presented at our site.
Searching out the right credit card, you need to take into account not only the length of free period, but also such important features as annual fee, ongoing and introductory APR on balance transfer and purchases, and interest rate. Consider what you need credit card for and weigh all the pros and cons of each credit offer in order to apply for a card that matches your needs and wishes undoubtedly. Pay your bills in full monthly and use a grace period to your advantage.
