A zero balance credit card means no debt and no interest. Paying off balances fully or keeping cards unused improves credit ...

For some, that won't be possible. If you fly Alaska Airlines with another person at least once a year, this card is a must-have. Be aware, however, that Alaska doesn't fly everywhere.

If you have a 0% APR credit card offer, here's what happens when it ends and what you can do to lower your interest rate.