Would you be able to get the same promotional offer again?
You can't get the promotional offers on the same card immediately, and some are once in a lifetime. You might be able to string together multiple 0% APR promotions across different cards long enough that you could qualify for the first card again. This isn't a very good idea though. 0% is only beneficial if you're carrying a balance which isn't a great idea. They're hoping you have a late payment or break some other rule that kicks you out of the promotion and into a fat interest rate.
You're also likely not getting the best rewards on a 0% APR card, since the cost of credit card rewards are baked into prices it makes sense to get a card that has competitive rewards.
Also would applying and cancelling repeatedly be a bad thing for credit score...
It's not great for your credit score, but short-term cards don't hurt much once you have a decent credit history. You'd want to open some other card and keep it as your oldest line of credit.
If you want to know how often you can get the rewards for various cards, you can search for credit card churning. You'll find good info on how much impact churning has on credit score too. It's a way that some people make extra money, but it takes a fair bit of work and discipline.
Answer from Hart CO on Stack ExchangeVideos
How do you apply for a 0% interest credit card?
What credit score do I need for a 0% intro APR card?
Can you do balance transfers on a 0% spending card?
Would you be able to get the same promotional offer again?
You can't get the promotional offers on the same card immediately, and some are once in a lifetime. You might be able to string together multiple 0% APR promotions across different cards long enough that you could qualify for the first card again. This isn't a very good idea though. 0% is only beneficial if you're carrying a balance which isn't a great idea. They're hoping you have a late payment or break some other rule that kicks you out of the promotion and into a fat interest rate.
You're also likely not getting the best rewards on a 0% APR card, since the cost of credit card rewards are baked into prices it makes sense to get a card that has competitive rewards.
Also would applying and cancelling repeatedly be a bad thing for credit score...
It's not great for your credit score, but short-term cards don't hurt much once you have a decent credit history. You'd want to open some other card and keep it as your oldest line of credit.
If you want to know how often you can get the rewards for various cards, you can search for credit card churning. You'll find good info on how much impact churning has on credit score too. It's a way that some people make extra money, but it takes a fair bit of work and discipline.
There is already a great answer here, but I'd like to add something that is slightly more than a comment. You wrote:
what happens if you cancel the card later (with no remaining balance)
and
would applying and cancelling repeatedly be a bad thing for credit score even if there is no balance in the cards
If you are able to pay off your balance every month, then the interest rate is irrelevant, and if you aren't able to pay off your balance every month, then 0 APR teaser rates are a great way to find yourself in a lot of debt.
I can't open my mailbox or go on the internet without finding a credit card with an intro 0% APR offer, but I'm curious what cards you have found that regularly give offers for either a 0% balance transfer (usually with a fee like 4%) or 0% purchases. I have gotten them a few times on Bank of America, Fidelity, and Capitol One (although that has not given me one in at least two years), and I was curious how common that is on cards that start with a 0% APR offer?
I’ve read just about every U.K. personal finance site out there to try and answer this, but I can’t tell if I’m missing something or just being stupid. When a card says that it’s 0% interest for 15 months, does that mean 15 months from when I get the card, or 15 months from every purchase.
E.g. If I buy something in month 14, is it interest free for 1 month or 15?
I have some housing related expenses for some big tickets items and would like to get a 0% APR card that has a good bonus as well.
I know Chase is a common rec, but I already have:
Chase Sapphire Preferred
Chase Sapphire Ink Business Preferred
Chase Freedom Unlimited
Chase Freedom
I would consider CSR, but I have already gotten the bonus when I had the card previously and got the CSP/CSI bonuses two years ago so I won't qualify anyway.
What other good options are out there?