Secure Your Loan Today The best place to begin is to get a credit card that has a zero percentage interest rate during an initial offer for example, an introductory credit card with 0% card for purchases, or the 0% credit card for balance transfers. This kind of card is an excellent option to pay for large-ticket purchases and not racking up charges, but it is important to pay the account in full every month to avoid switching to a higher interest rate.