Top Zero Interest Credit Cards for 2021

For many people, credit cards are a convenient way to pay for things without having to carry around cash. But with interest rates on credit cards often ranging from 15% to 25%, the debt can easily pile up if you don’t pay it off quickly. Luckily, there are zero interest credit cards available that can help you save money on interest charges. With these cards, you won’t have to pay any interest on your purchases or balance transfers for a set period of time, giving you a chance to pay off your debt without accruing additional interest. However, not all zero interest credit cards are created equal, and it’s important to find the one that’s right for you. In this article, we’ll take a closer look at some of the best zero interest credit cards on the market and help you decide which one is the best fit for your needs.

Top 10 Zero Interest Credit Cards

Are you looking for credit cards that don’t charge any interest? You’re in luck because we’ve rounded up the best zero interest credit cards on the market! With these cards, you won’t have to worry about paying a high-interest rate on your purchases, which can save you a lot of money in the long run.

1. Citi ® Diamond Preferred ® Card
The Citibank Diamond Preferred Card comes with a 0% introductory APR for 18 months on purchases and balance transfers. It also comes with other perks like no annual fee, access to Citi Entertainment, and worldwide travel accident insurance.

2. Citi ® Double Cash Card
The Citibank Double Cash Card offers 0% introductory APR for 18 months on balance transfers. It doesn’t charge any annual fee, but you do need to pay an upfront balance transfer fee of 3% of the amount transferred. This card also rewards you for paying off your balance by giving you cashback on all purchases.

3. Chase Freedom Unlimited®
The Chase Freedom Unlimited Card comes with a 0% introductory APR for 15 months on purchases and balance transfers. This card also offers a rewards program where you can earn 1.5% cash back on all purchases.

4. Chase Freedom Flex℠
The Chase Freedom Flex Card offers a 0% introductory APR for 15 months on purchases and balance transfers. You can also earn cash back on your purchases and in certain categories such as groceries, gas, and dining.

5. American Express Cash Magnet® Card
The American Express Cash Magnet Card has a 0% introductory APR for 15 months on purchases and balance transfers. With this card, you can earn unlimited cash back on all your purchases. This card also has no annual fee.

6. Bank of America ® Cash Rewards Credit Card
The Bank of America Cash Rewards Credit Card offers a 0% introductory APR for the first 15 billing cycles on purchases and balance transfers. It also rewards you for your everyday purchases and has no annual fee.

7. U.S. Bank Visa® Platinum Card
The U.S. Bank Visa Platinum Card has a 0% introductory APR for 20 billing cycles on purchases and balance transfers. This card also provides free access to your credit score and has no annual fee.

8. Discover it® Cash Back
The Discover it Cash Back card offers a 0% introductory APR for 14 months on purchases and balance transfers. This card also provides cash back rewards, and Discover matches all the cash back you earn at the end of your first year.

9. Capital One® Quicksilver® Cash Rewards Credit Card
The Capital One Quicksilver Cash Rewards Credit Card offers a 0% introductory APR for 15 months on purchases and balance transfers. This card also has no annual fee and provides cashback rewards for all purchases.

10. Wells Fargo Platinum Card
The Wells Fargo Platinum Card provides a 0% introductory APR for 18 months on purchases and balance transfers. This card also offers cell phone protection, travel accident insurance, and no annual fee.

In conclusion, these are the top 10 zero-interest credit cards you can choose from. When selecting a credit card, consider your spending habits, credit score, and other personal preferences. Choose the card that is the best fit for your needs and enjoy the benefits of having a zero interest rate!

Top 10 Zero Interest Credit Cards in the Market Today

Are you looking for a credit card that offers zero interest on purchases and balance transfers? Look no further, because we’ve rounded up the top 10 zero interest credit cards in the market today. These cards offer great perks and no interest for an introductory period. Here’s our list, so you can choose the best card for your needs.

1. Chase Freedom Unlimited

The Chase Freedom Unlimited card offers zero interest for the first 15 months on purchases and balance transfers. Additionally, this card also offers cashback rewards on all purchases, including 1.5% cashback on all purchases.

2. Discover it Cash Back

The Discover it Cash Back card offers zero interest for the first 14 months on purchases and balance transfers. This card also offers a cashback reward on all purchases, including 5% cashback on specific categories, which change every three months.

3. Wells Fargo Platinum Card

The Wells Fargo Platinum card offers zero interest for the first 18 months on purchases and balance transfers. This card also offers benefits like cell phone protection and travel insurance.

4. Citi Diamond Preferred Card

The Citi Diamond Preferred card offers zero interest for the first 18 months on purchases and balance transfers. This card also offers benefits like concierge service and access to presale tickets for events.

5. U.S. Bank Visa Platinum Card

The U.S. Bank Visa Platinum card offers zero interest for the first 20 months on purchases and balance transfers. This card also offers benefits like cellphone protection and automatic bill payment.

6. Capital One Quicksilver Cash Rewards Credit Card

The Capital One Quicksilver Cash Rewards Credit Card offers zero interest for the first 15 months on purchases and balance transfers. This card offers cashback rewards on all purchases, including 1.5% cashback on all purchases.

7. Bank of America Cash Rewards Credit Card

The Bank of America Cash Rewards Credit Card offers zero interest for the first 15 months on purchases and balance transfers. This card offers cashback rewards on category purchases and also offers rewards on gas purchases.

8. HSBC Gold Mastercard Credit Card

The HSBC Gold Mastercard Credit Card offers zero interest for the first 18 months on purchases and balance transfers. This card also offers benefits like travel insurance and rental car insurance.

9. Barclaycard Arrival Plus World Elite Mastercard

The Barclaycard Arrival Plus World Elite Mastercard offers zero interest for the first 12 months on balance transfers. This card also offers great rewards on travel purchases.

10. Alliant Visa Platinum Rewards Card

The Alliant Visa Platinum Rewards Card offers zero interest for the first 12 months on purchases and balance transfers. This card also offers cashback rewards on all purchases, including 2% cashback on all purchases.

In conclusion, these are all great zero interest credit cards available in the market today. But before you choose the best one, make sure to read the terms and conditions and check which card offers the best benefits that suit your needs.

Top 5 Zero Interest Credit Cards with Great Benefits

Zero interest credit cards are a great option for those who want to save money on interest rates. Not only do these cards offer interest-free purchases, but they also come with various perks and benefits. Here are the top five zero interest credit cards in the market right now.

Citi Simplicity Card

The Citi Simplicity Card is perhaps one of the most popular zero interest credit cards available today. It offers 0% APR for 18 months on balance transfers and 0% APR for 12 months on purchases, which is a longer promotional period than most other cards. The card also has no late fees or penalty rates, making it a great choice for people who want a simple and stress-free credit card experience.

Chase Freedom Unlimited

Chase Freedom Unlimited is another top contender in the zero interest credit card market. It offers a 0% APR for 15 months on purchases and balance transfers. Cardholders can also earn unlimited 1.5% cashback on all purchases, making it a great option for those who want to earn rewards while enjoying interest-free credit.

Discover it Cash Back

Discover it Cash Back offers a 0% APR for 14 months on purchases and balance transfers. The card also offers a generous cashback program, with 5% cashback on rotating categories each quarter, and 1% cashback on all other purchases. Discover’s Cashback Match program also matches the cashback earned at the end of the first year, making it an attractive option for those who want to maximize their rewards.

American Express Blue Cash Everyday

The American Express Blue Cash Everyday card offers a 0% APR for 15 months on purchases and balance transfers. Cardholders can earn 3% cashback at U.S. supermarkets (up to $6,000 in purchases per year), 2% cashback at U.S. gas stations and select U.S. department stores, and 1% cashback on all other purchases. The card also has no annual fee, making it a great option for those who want to save money on fees.

Wells Fargo Platinum Card

The Wells Fargo Platinum Card offers a 0% APR for 18 months on purchases and balance transfers, which is one of the longest promotional periods in the market. The card also offers various travel and consumer protection benefits, such as travel accident insurance, extended warranty coverage, and cell phone protection. However, the card does not offer any rewards or cashback program.

Credit Card Intro APR Regular APR Cashback/rewards Other Benefits
Citi Simplicity Card 0% APR for 18 months on balance transfers, 0% APR for 12 months on purchases 14.74% – 24.74% variable No rewards No late fees or penalty rates
Chase Freedom Unlimited 0% APR for 15 months on purchases and balance transfers 14.99% – 23.74% variable Unlimited 1.5% cashback on all purchases No annual fee
Discover it Cash Back 0% APR for 14 months on purchases and balance transfers 11.99% – 22.99% variable 5% cashback on rotating categories each quarter, 1% cashback on all other purchases Cashback Match program
American Express Blue Cash Everyday 0% APR for 15 months on purchases and balance transfers 13.99% – 23.99% variable 3% cashback at U.S. supermarkets (up to $6,000 in purchases per year), 2% cashback at U.S. gas stations and select U.S. department stores, 1% cashback on all other purchases No annual fee
Wells Fargo Platinum Card 0% APR for 18 months on purchases and balance transfers 16.49% – 24.49% variable No rewards Travel and consumer protection benefits

In conclusion, zero interest credit cards can be a great option for those who want to save money on interest rates and enjoy additional benefits. However, it’s important to remember that these offers are typically promotional, and regular APRs may apply after the promotional period ends. Make sure to read the fine print and choose a card that fits your needs and payment habits.

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Section 2: The Pros and Cons of Zero-Interest Credit Cards

Pros

1. Revolving credit without interest: The most significant advantage of zero-interest credit cards is the ability to access revolving credit lines without paying interest. This can make it easier to make large purchases or cover unexpected expenses, without having to worry about paying interest charges.

2. Opportunity for debt consolidation: Zero-interest credit cards can be an excellent tool for consolidating high-interest debts into a single low-interest payment. By transferring outstanding balances to a zero-interest card, you can pay off your debts over a longer period without accruing additional interest charges.

3. Improved credit score: By using a zero-interest credit card responsibly and making regular on-time payments, you can improve your credit score over time. A higher credit score makes it easier to access other credit products with lower interest rates in the future.

4. Cashback and rewards programs: Many zero-interest credit cards come with cashback programs or rewards points that can be redeemed for travel, merchandise, or other benefits. These perks can add up over time and offset the cost of any fees associated with the card.

Cons

1. Potential for high fees: Many zero-interest credit cards come with high fees, such as balance transfer fees, annual fees, and late payment fees. These fees can quickly add up, offsetting any savings you might have gained from the zero-interest rate.

2. Short promotional period: The zero-interest promotional period usually lasts between six and 18 months. After that time, the interest rate can jump substantially, making it challenging to pay off any remaining balances.

3. Credit requirements: Most zero-interest credit cards require a good or excellent credit score to qualify for the best rates and terms. If you have poor credit, you may not be eligible for a zero-interest card or may be subject to higher fees and interest rates.

4. Temptation to overspend: Having access to a zero-interest line of credit can be a temptation to overspend and accumulate debt that ultimately becomes unmanageable.

5. Late payment penalties: Zero-interest credit cards often come with stringent payment requirements. If you miss a payment or do not pay on time, you may incur costly penalties, late fees, and damage to your credit score.

Thanks for Checking Out the Best Zero Interest Credit Cards!

We hope this article helped you find the best zero interest credit card for your needs. Just remember to always read the fine print and pay off your balance before the introductory period ends. If you’re looking for more financial advice and insights, be sure to stay tuned for future articles on our website. Thanks again for reading, and we hope to see you again soon!

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