Plus, the average credit card interest rate

The Fed cut interest rates by a quarter of a percent earlier this month. That's a bit of good news for borrowers, but credit card interest rates are still high — an average of 24.36% in September, according to a LendingTree report. If you carry a balance on your credit card, that kind of interest can rack up really quickly.

We'll be honest: We don't love making interest payments. One of our favorite tools in our debt-crushing toolbox is the 0% APR credit card, which offers an interest-fee period before a regular APR kicks in. You can leverage these in a couple ways. Got a bigger purchase coming up? Put it on an 0% APR card for new purchases and pay it off without accruing interest. If you already carry a credit card balance that's accruing interest, pick a 0% APR balance transfer card to give yourself a bit of breathing room to pay down your debt.

If you're in the market for a 0% APR credit card, check out our list of favorites. This month's roundup includes cards with intro APR periods up to 21 months.

Ditch the Interest

a woman looking at her credit card with regret

$10K or More in Debt? Most People Don’t Realize This Option Exists

If you're not a big spender, it can feel especially frustrating to find yourself buried in debt. But with inflation and the rising cost of daily essentials, it's no surprise many people are leaning on credit cards just to get by. That's where National Debt Relief comes in. If you owe at least $10,000 in unsecured debt, like credit cards or medical bills, they can help by working with your creditors to reduce what you owe and setting up a payment plan that fits your budget. While there is a fee based on the amount settled, it's usually far less than the original debt, and many people become debt-free in just 24 to 48 months. National Debt Relief has already helped over 500,000 people find relief, and it only takes a few minutes to see your options with a free consultation.

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IN THIS ISSUE

These Major Employers Offer Part-Time Jobs With Benefits

Dumb Things You Should Never Spend Money On

How to Budget Money: A Guide for Beginners

Great Jobs For Retirees for Flexibility and Extra Cash

Fast Ways to Make Cash Today

These Major Employers Offer Part-Time Jobs With Benefits

You do not need a full-time job to get the best benefits. These employers give part-time staff great benefits too.

Learn More →

Dumb Things You Should Never Spend Money On

Your wallet will be a whole lot happier once you stop spending on these silly things because they're holding you back from your goals.

Learn More →

How to Budget Money: A Guide for Beginners

Tracking your spending is one of the smartest ways to take control of your finances. We have the tools to help you get started.

Learn More →

Great Jobs For Retirees for Flexibility and Extra Cash

Retired but need extra cash? We've rounded up 22 moneymaking ideas that offer part-time opportunities, flexible hours or both.

Learn More →

Fast Ways to Make Cash Today

Need cash, like now? Well then, you've hit the motherlode. These quick money opps are ready to hand out fast cash.

Learn More →

Some of the links in this post are from our sponsors. We provide you with accurate, reliable information. Learn more about how we make money and select our advertising partners. We’re letting you know because it’s what Honest Abe would do. After all, he is on our favorite coin.

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