0% Interest Credit Cards: Top Picks for Savvy Borrowers

If you’re looking for ways to save money and avoid high-interest credit card debt, a 0% interest credit card might be a great option for you. This type of credit card offers a zero percent interest rate on purchases, balance transfers or both for a certain period of time, allowing you to pay off your debt without accruing additional interest charges. However, not all 0% interest credit cards are created equal. There are some incredible credit cards available that offer zero percent interest for up to 20 months or more, while others offer only a few months. Furthermore, some cards may have annual fees, balance transfer fees or other costs that can affect the overall value of the card. Today, we will be covering the top credit cards that offer a 0% interest rate to help you make an informed decision about which one is the best fit for your financial needs.

1. American Express Everyday Credit Card

If you’re looking for a card with 0% introductory APR for balance transfers, you might find American Express Everyday Credit Card one of the best options available. You can enjoy a 0% introductory APR for the first 15 months of opening your account. Apart from this, the card also offers rewards in the form of points for purchases made with it. You can earn 2x points for every dollar spent at U.S. supermarkets or 1x point for every dollar spent at other places.

2. Citi Simplicity Card

If you’re someone who loves simplicity, the Citi Simplicity Card could be the right option for you. This card comes with a 0% introductory APR on purchases and balance transfers for the first 18 months of opening your account. Additionally, this card doesn’t charge any late payment fees, making it an attractive feature for those who often forget their payment deadlines.

3. Chase Freedom Unlimited

The Chase Freedom Unlimited credit card offers a 15-month intro APR period on balance transfers as well as purchases. You can enjoy unlimited 1.5% cashback across all transactions, and once you’ve spent $500, you can earn a $200 cash bonus.

4. Blue Cash Preferred Card from American Express

If you’re looking for a credit card with great rewards, the Blue Cash Preferred Card from American Express could be a good option. The card offers a 0% intro APR on purchases and balance transfers for the first 12 months of opening your account. You can also earn a cashback of 6% on U.S. supermarkets up to $6,000 spent each year. Plus, you can earn a 3% cashback on gas stations and select department stores, and 1% cashback on other eligible purchases.

5. BankAmericard Credit Card

For a credit card with favorable rates, the BankAmericard Credit Card could be a good option. This card offers a 15-month 0% introductory APR for balance transfers and purchases, and there’s no annual fee attached to it. Additionally, the card offers a $0 liability guarantee if there’s any wrongful use of your card.

6. Discover it Cash Back

The Discover it Cash Back credit card is another viable option, especially if you’re looking for 0% introductory APR period. The card has a 0% introductory APR on balance transfers and purchases for the first 14 months of opening your account. Additionally, the card offers 5% cashback on rotating categories each quarter. You can also earn unlimited 1% cashback on all other eligible purchases.

7. Wells Fargo Platinum Card

If you want a card with a lengthy intro APR period, the Wells Fargo Platinum Card could be the right option for you. This card offers a 0% introductory APR for the first 18 months of opening your account for purchases and balance transfers. After the intro period, the standard APR will apply as per your creditworthiness.

8. Capital One Quicksilver Cash Rewards Credit Card

The Capital One Quicksilver Cash Rewards Credit Card offers a 15-month introductory APR period on purchases and balance transfers. You can enjoy unlimited 1.5% cashback on all transactions, and if you spend $500 within the first three months of opening your account, you can earn a $200 cashback.

9. US Bank Visa Platinum Card

The US Bank Visa Platinum Card offers a 0% APR period for balance transfers and purchases for the first 20 billing cycles. This card doesn’t charge an annual fee, and it is a great option for those looking for an extended introductory APR period.

10. U.S. Bank Visa® Platinum Card with Cash Back Rewards

For a zero-interest credit card with cashback rewards, the U.S. Bank Visa Platinum Card with Cash Back Rewards could be a good option. The card offers an intro APR period of 20 months on balance transfers and purchases. Additionally, you can earn 5% cashback on your first $2,000 of eligible net purchases made in the first three months of opening your account. Plus, you can earn 1.5% cashback on eligible purchases for the account’s lifetime.

These are some of the best credit cards for 0 interest. Before selecting one, be sure to review the terms and conditions, including annual fees, rewards programs, and other factors that may influence your decision.

Top 10 Best Credit Cards for 0 Interest

Looking for a credit card that offers 0% interest? You’ve come to the right place. In this section, we’ll walk you through our top 10 picks for credit cards that offer 0% interest on purchases and/or balance transfers. These cards can help you save money on interest charges and make it easier to pay off your debt.

1. Chase Freedom Unlimited Card
If you’re looking for a credit card with no annual fee and a long introductory 0% APR period, then the Chase Freedom Unlimited Card could be a great option. With this card, you’ll enjoy 0% APR for the first 15 months on purchases and balance transfers, after which your APR will be 14.99% – 23.74% variable.

2. Wells Fargo Platinum Card
If you’re looking for a card with a longer 0% APR offer, the Wells Fargo Platinum Card could be just what you need. With this card, you’ll enjoy 0% APR for the first 18 months on purchases and balance transfers, after which your APR will be 16.49% – 24.49% variable. Plus, this card has no annual fee.

3. Citi Simplicity Card
The Citi Simplicity Card is a popular choice among consumers who are looking for a simple and straightforward credit card. With this card, you’ll enjoy 0% APR for the first 18 months on purchases and balance transfers, after which your APR will be 14.74% – 24.74% variable. Plus, this card has no annual fee, late fees, or penalty rates.

4. Capital One Quicksilver Cash Rewards Card
The Capital One Quicksilver Cash Rewards Card offers a generous 0% APR intro period on both purchases and balance transfers. With this card, you’ll enjoy 0% APR for the first 15 months, after which your APR will be 15.49% – 25.49% variable. Plus, you’ll earn unlimited 1.5% cash back on every purchase.

5. Bank of America Cash Rewards Credit Card
The Bank of America Cash Rewards Credit Card offers a competitive 0% APR intro period on purchases and balance transfers. With this card, you’ll enjoy 0% APR for the first 15 billing cycles, after which your APR will be 13.99% – 23.99% variable. Plus, you’ll earn cash back on every purchase.

6. Discover it Cash Back Credit Card
The Discover it Cash Back Credit Card is a popular choice among consumers who are looking for a credit card with both a 0% APR intro period and cash back rewards. With this card, you’ll enjoy 0% APR for the first 14 months on purchases and balance transfers, after which your APR will be 11.99% – 22.99% variable. Plus, you’ll earn cash back on all purchases.

7. American Express Blue Cash Everyday Card
The American Express Blue Cash Everyday Card is a great option if you’re looking for a credit card with a 0% APR intro period and cash back rewards. With this card, you’ll enjoy 0% APR for the first 15 months on purchases and balance transfers, after which your APR will be 13.99% – 23.99% variable. Plus, you’ll earn cash back on all purchases.

8. US Bank Visa Platinum Card
The US Bank Visa Platinum Card is a simple and straightforward credit card that offers a long 0% APR intro period. With this card, you’ll enjoy 0% APR for the first 20 billing cycles on purchases and balance transfers, after which your APR will be 14.49% – 24.49% variable. Plus, there’s no annual fee.

9. HSBC Gold Mastercard Credit Card
The HSBC Gold Mastercard Credit Card is a great option if you’re looking for a credit card with a long intro period for both purchases and balance transfers. With this card, you’ll enjoy 0% APR for the first 18 months, after which your APR will be 12.99% – 22.99% variable. Plus, there’s no annual fee.

10. U.S. Bank Visa® Platinum Card
The U.S. Bank Visa® Platinum Card is one of the best credit cards for 0% interest. You can enjoy a 0% APR on purchases and balance transfers for the first 20 billing cycles. After that, the APR would be between 14.49% and 24.49% variable. It’s a great option if you’re looking to consolidate debt or make big purchases without paying interest.

In conclusion, there are many credit card options available for those looking for 0% interest. It’s important to compare the different features of each card and find one that meets your needs. With our top 10 best credit cards for 0 interest, you’ll be able to find the right card for you and save money on interest charges.

Top 5 Credit Cards for 0 Interest

If you’re looking for a credit card with a 0% interest rate, there are plenty of options available in the market. However, not every card is created equal, and some may offer a better deal than others. In this section, we’ll look at the top 5 credit cards for 0 interest, based on their features and benefits.

1. Chase Freedom Unlimited

Chase Freedom Unlimited is a great credit card for those looking for a 0% interest rate on purchases and balance transfers. The card offers a 15-month intro 0% APR period on both purchases and balance transfers. After the intro period ends, the standard variable APR will be 14.99% – 23.74%. Apart from the 0% interest rate, the card also comes with cashback rewards on purchases.

2. Citi Diamond Preferred

Citi Diamond Preferred is another great credit card that offers a long introductory 0% APR period for purchases and balance transfers. The card gives you a 18-month intro 0% APR period on both purchases and balance transfers. After the intro period ends, the standard variable APR will be 14.74% – 24.74%. The card doesn’t offer any rewards scheme, but it’s a great option if you’re looking to consolidate high-interest debts.

3. American Express EveryDay

American Express EveryDay is a good credit card for those who want to earn rewards while enjoying a 0% interest rate. The card offers an intro 0% APR period of 15 months on purchases and balance transfers. After the intro period ends, the standard variable APR will be 12.99% – 23.99%. The card also provides ample reward schemes, including 2X points at US supermarkets and 1X points on other purchases.

4. Wells Fargo Platinum Card

Wells Fargo Platinum Card is a no-frills credit card that offers a long introductory 0% APR period for purchases and balance transfers. The card provides a 18-month intro 0% APR period on both purchases and balance transfers. After the intro period ends, the standard variable APR will be 16.49% – 24.49%. The card doesn’t come with any rewards scheme, but it’s a good option for those who want to avoid paying interest on a big-ticket item.

5. Blue Cash Everyday Card from American Express

Blue Cash Everyday Card from American Express is a credit card designed for those who want to enjoy both cashback rewards and 0% interest rate. The card offers a 15-month intro APR period on purchases and balance transfers. After the intro period ends, the standard variable APR rate will be 13.99% – 23.99%. The card also offers 3% cashback at US supermarkets on up to $6,000 per year in purchases, 2% cashback at US gas stations & select US department stores, and 1% cashback on other purchases.

Credit Card Intro 0% APR Regular APR Reward Scheme
Chase Freedom Unlimited 15 months 14.99% – 23.74% Cashback rewards
Citi Diamond Preferred 18 months 14.74% – 24.74% No rewards
American Express EveryDay 15 months 12.99% – 23.99% Membership Rewards
Wells Fargo Platinum Card 18 months 16.49% – 24.49% No rewards
Blue Cash Everyday Card from AMEX 15 months 13.99% – 23.99% Cashback rewards

In conclusion, there are many credit cards in the market that offer an introductory 0% APR period, and we’ve outlined our top 5 based on their features and benefits. While these cards are great options, it’s important to read the fine print and understand the terms and conditions before applying for a credit card. Remember that 0% interest rate doesn’t indicate you must fail to pay the minimum payment required and has its expiry date. Always aim for financial stability and never overspend on credit card purchases. Use your credit card responsibly and build a strong credit history that will benefit you in the long run.

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The Pros and Cons of Best Credit Cards for 0 Interest

Finding the best credit card that offers a 0% interest rate can be a great financial tool to help you save money. But just like any other financial tool, it is important to weigh the pros and cons before making a decision. Here are 10 things to consider when it comes to the best credit cards for 0 interest:

Pros

1. You Can Save Money

By taking advantage of a 0% interest credit card, you can save money on interest charges that would have otherwise added up. If you are planning on making a large purchase or several purchases, using a 0% interest credit card can be a great way to save some cash.

2. Ability to Pay Off Debt Faster

When you have a credit card that charges high-interest rates, it can be challenging to pay off the balance. With a 0% interest credit card, you can put more of your money towards the principal balance of your debt, which will help you pay it down faster.

3. Offers Rewards and Benefits

Many credit card companies offer rewards and benefits to incentivize people to use their card. This can include cashback rewards, travel rewards, or other perks such as extended warranties on purchases.

4. Can Help Build Credit

Using a credit card responsibly and paying off the balance on time can help you build credit. A good credit score can help you qualify for loans, credit cards, and other financial opportunities in the future.

5. Can be Used for Emergencies

Having a 0% interest credit card can be a useful tool in case of an emergency. If unexpected expenses arise, you can use your credit card without worrying about accruing interest charges.

Cons

1. Introductory Period is Limited

Most 0% interest credit cards come with an introductory period that lasts anywhere from six months to a year. After this period, the interest rate will increase, which can make it challenging to pay off the remaining balance.

2. Fees and Charges

Some credit cards charge an annual fee, balance transfer fee, or other fees. Make sure to read the fine print and understand all of the fees associated with the card before signing up.

3. Minimum Payments Can be Misleading

Just because you have a 0% interest credit card doesn’t mean that you can make minimum payments and still pay off your debt in a timely manner. Make sure to prioritize paying off the balance as quickly as possible to avoid accruing interest charges.

4. Can Hurt Credit Score

Using a credit card irresponsibly can hurt your credit score. If you max out your credit card or make late payments, it can negatively impact your credit score.

5. Can be Tempting to Overspend

Having a credit card with a high credit limit can be tempting to overspend. Make sure to stick to a budget and only use your credit card for necessary purchases.

In conclusion, using a 0% interest credit card can be a great tool to save money and pay off debt faster. Just be sure to weigh the pros and cons before signing up, and use your credit card responsibly to avoid any negative impacts on your credit score.

Thank You and Happy Card Shopping!

We hope you found this article helpful in your search for the best credit cards with 0 interest. Remember to always read the terms and conditions before applying for any credit card and to make sure it fits your financial needs. Don’t forget to come back and visit us again for more financial advice and tips! Happy card shopping!

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