[Rina]

I’m having to replace my roof and decided (per a frugal post advice) to pay for it using an interest free credit card.

How do I go about finding a credit card offer with an 0% for 12-18 months from a reputable company? P&TY

[Serena]

Depending on who you get the roof through they might offer 0% financing over so many months.

I just did it with a local company, it’s pretty common.

[Melissa]

Be sure to check with the contractor. Many do not accept credit cards because of the fees they are charged.

[Cindy]

You can compare cards at Experian (website or through the app). I also looked at Motley Fool, and (I think) Bankrate.

[Michele]

Make sure to pay it off well before time it’s due or you will pay a high interest rate.

Most have a very high rate after free period ends

[Shirley]

I just got to thinking…. Instead of writing a check for my new roof I should have put it on my card that gives me money back.

Then paid the balance before I had an interest charge.

[Krista]

It is likely that the roofing company will offer several financing options. Ex: Synchrony Bank has a 0% house repair card that some roofing co’s refer clients to.

The difference between a roofing co’s options and a zero % cc you’d find on Nerd Wallet or elsewhere is that you’ll (in many cases) be charged a one-time 3-5% transaction fee on the whole balance to get the 0% cc offer for a period of time.

But you should not see a transaction fee with a roofing co financing offer.

It’s a big purchase so the fine print is your friend

[Ashley]

Look at the Citi Simplicity or Chase Freedom Flex or Freedom Unlimited. If you have access to Navy Federal, I think they have one.

Maybe Wells Fargo too.

[Janelle]

Google 0% APR credit cards. Chase, Capital One, Wells Fargo, American Express, etc all have these available.

[Amy]

Have you had a recent hail or windstorm? insurance may cover it if you had enough damage.

Roofing companies give free estimates

[Virginia]

Are you on Credit Karma? You can check your score and find the best cards for your score.

Maybe look for a card with a welcome bonus so you can earn some cash when you pay it off?

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