The Best Credit Cards with 0 Interest for 21 Months

If you’re carrying a balance on an existing credit card balance, then you know all too well how hard it can be to keep up with the monthly payments. But what if you could have some time to pay off your debt without piling on even more interest? Enter credit cards with 0 interest for 21 months. If you can find a credit card that offers this feature and transfer your balance over, you could enjoy some significant savings and potentially pay down your debt faster than you ever thought possible. But before you start applying, it’s essential to understand how these types of cards work and how to use them responsibly.

Best Credit Cards with 0% Interest for 21 Months

If you’re in the market for a credit card and want to avoid hefty interest charges, you may want to consider a 0% interest credit card. The introductory 0% APR period can give you a much-needed break when it comes to interest payments. Here are some of the best credit cards with 0% interest for 21 months:

1. Chase Slate: One of the most popular credit cards with 0% interest for 21 months is the Chase Slate card. This card offers a 0% introductory APR on both purchases and balance transfers for 21 months. Additionally, it has no balance transfer fee for the first 60 days.

2. Discover it Cash Back: The Discover it Cash Back credit card offers a 0% introductory APR for 14 months on both purchases and balance transfers. The card also offers cash back on purchases, including 5% cash back on rotating categories and 1% cash back on all other purchases.

3. Citi Simplicity: The Citi Simplicity credit card offers a 0% introductory APR for 21 months on both purchases and balance transfers. This card also has no late fees or penalty fees, making it a great option for those who may forget to make payments on time.

4. Wells Fargo Platinum: The Wells Fargo Platinum credit card offers a 0% introductory APR for 18 months on both purchases and balance transfers. It also has no annual fee and offers free access to your FICO credit score.

5. Bank of America Cash Rewards: The Bank of America Cash Rewards credit card offers a 0% introductory APR for 15 billing cycles on purchases and balance transfers. This card also offers cash back on purchases, including 3% cash back on a category of your choice and 2% cash back at grocery stores and wholesale clubs.

6. Capital One Quicksilver Cash Rewards: The Capital One Quicksilver Cash Rewards credit card offers a 0% introductory APR for 15 months on both purchases and balance transfers. It also offers unlimited 1.5% cash back on all purchases.

7. U.S. Bank Visa Platinum: The U.S. Bank Visa Platinum credit card offers a 0% introductory APR for 20 billing cycles on both purchases and balance transfers. This card also offers free access to your TransUnion credit score.

8. HSBC Gold Mastercard: The HSBC Gold Mastercard offers a 0% introductory APR for 18 months on both purchases and balance transfers. Additionally, it has no annual fee and offers various travel and shopping benefits.

9. American Express Blue Cash Everyday: The American Express Blue Cash Everyday credit card offers a 0% introductory APR for 15 months on purchases and balance transfers. It also offers cash back on purchases, including 3% cash back at U.S. supermarkets and 2% cash back at U.S. gas stations.

10. Barclaycard Ring Mastercard: The Barclaycard Ring Mastercard offers a 0% introductory APR for 15 months on balance transfers made within 45 days of account opening. It also has no annual fee and offers community features that allow you to connect with other cardholders.

In conclusion, there are many credit cards with 0% interest for 21 months available for those who want to avoid interest payments. It’s important to compare the features and benefits of each card before making a decision, and to be aware of any potential fees that may apply. By doing your research, you can find a credit card that works best for your financial situation.

10 Best Credit Cards with 0 Interest for 21 Months – A Comprehensive Guide

Credit cards have become an integral part of our lives, whether we use them to pay for our daily expenses or for emergency expenses. However, with the interest rates being as high as they are, credit cards can become a financial burden. That’s where credit cards with 0% interest for a certain period come in handy. In this section, we will be taking a look at the 10 best credit cards with 0% interest for 21 months.

1. Chase Freedom Unlimited

The Chase Freedom Unlimited credit card is a great option if you’re looking for a card with no annual fee. With this card, you’ll enjoy 0% interest for the first 21 months on purchases and balance transfers. Plus, you’ll earn 1.5% cash back on all purchases.

2. Citi Double Cash Card

The Citi Double Cash Card is another great option for those looking for a 0% interest credit card. This card offers 0% interest for the first 18 months on balance transfers and purchases. Additionally, you’ll earn 2% cash back on all purchases, which is a great perk. This card does not have an annual fee.

3. Discover it Cash Back

If you’re looking for a cashback credit card with 0% interest, the Discover it Cash Back card is a great option. This card offers 0% interest for the first 14 months on purchases and balance transfers. Plus, you’ll earn 5% cash back on rotating categories and 1% cash back on all other purchases.

4. Chase Sapphire Preferred

The Chase Sapphire Preferred credit card is a great option for those who travel frequently. This card offers 0% interest for the first 15 months on purchases and balance transfers. Additionally, you can earn up to 80,000 points in the first three months of opening the card if you spend $4,000 or more on purchases. This card has an annual fee of $95.

5. Blue Cash Everyday Card from American Express

The Blue Cash Everyday Card from American Express is a great option for those who want to earn cashback on their purchases. This card offers 0% interest for the first 15 months on purchases and balance transfers. Additionally, you can earn 3% cash back at U.S. supermarkets, 2% cash back at U.S. gas stations and select U.S. department stores, and 1% cash back on all other purchases.

6. Capital One Quicksilver Cash Rewards Credit Card

The Capital One Quicksilver Cash Rewards Credit Card is a great option for those who want a straightforward cashback credit card. This card offers 0% interest for the first 15 months on purchases and balance transfers. Additionally, you’ll earn 1.5% cash back on all purchases.

7. Wells Fargo Platinum Card

The Wells Fargo Platinum Card is a great option for those who want to transfer their balances to a 0% interest credit card. This card offers 0% interest for the first 18 months on balance transfers and purchases. Plus, there is no annual fee.

8. Bank of America Cash Rewards Credit Card

The Bank of America Cash Rewards Credit Card is a great option for those who want to earn cash back on their purchases. This card offers 0% interest for the first 15 billing cycles on purchases and balance transfers. Additionally, you can earn 3% cash back on a category of your choice, 2% cash back at grocery stores and wholesale clubs, and 1% cash back on all other purchases.

9. U.S. Bank Visa Platinum Card

The U.S. Bank Visa Platinum Card is a great option for those who want a 0% interest credit card with no annual fee. This card offers 0% interest for the first 20 billing cycles on purchases and balance transfers. Additionally, you’ll have access to free TransUnion credit score, which is a great perk.

10. HSBC Gold Mastercard Credit Card

The HSBC Gold Mastercard Credit Card is a great option for those who want a card with no annual fee. This card offers 0% interest for the first 18 months on purchases and balance transfers. Additionally, you’ll have access to fraud liability protection, which is a great perk.

In conclusion, credit cards with 0% interest for 21 months can be a great way to save money on interest charges on your credit card balances. The above selection of the 10 best credit cards with 0% interest for 21 months provides a range of options, allowing you to choose the one which meets your specific needs and concerns. Be sure to investigate the features and benefits of each card to decide which one is right for you.

Understanding Credit Cards with 0% Interest for 21 Months

With many credit card companies offering deals such as “0% interest for 21 months,” it can be tempting to sign up for a new credit card to take advantage of the offer. However, it is important to understand what these deals really mean and how they work before signing up.

What does “0% interest for 21 months” mean?

This offer means that for 21 months from the date you open your account, you will not be charged any interest on your purchases or balance transfers. This can be an attractive feature for those looking to make a big purchase or consolidate high-interest debt.

How can credit card companies afford to offer 0% interest for 21 months?

Credit card companies are able to offer this deal because they know that many people won’t pay off their balance in full before the 0% interest period ends. After the promotional period ends, the cardholder will be charged a higher interest rate on their outstanding balance, which is where the credit card company makes their money.

Additionally, credit card companies often charge balance transfer fees of around 3-5% of the balance being transferred, which can add up quickly and should be factored into the decision to sign up for the card.

What are the benefits of having a credit card with 0% interest for 21 months?

One of the main benefits of this offer is the ability to make purchases or transfer balances without incurring interest charges for an extended period of time. This can be helpful for those looking to make a large purchase or consolidate debt without accruing additional interest.

Additionally, using a credit card responsibly and paying off the balance in full each month can help build and improve credit scores.

What are some potential drawbacks to consider?

It is important to remember that the 0% interest rate is only temporary and that after the promotional period ends, the cardholder will be charged a higher interest rate on any outstanding balances. Additionally, if the cardholder is unable to pay off their balance before the promotional period ends, they may be looking at a significant increase in their overall balance due to interest and fees.

This type of card may also encourage overspending or taking on more debt than is manageable, so it is important to consider personal financial goals and limitations before applying for the card.

What should I look for when choosing a credit card with 0% interest for 21 months?

When choosing a credit card with this offer, it is important to pay attention to the terms and conditions of the card, including any balance transfer fees, the interest rate after the promotional period ends, and any other fees or restrictions. Looking at user reviews online can also provide helpful insights and experiences from other cardholders.

Pros Cons
No interest charges for 21 months on purchases and balance transfers Higher interest rates and fees after the promotional period ends
Can help build or improve credit scores with responsible use May encourage overspending or taking on unmanageable debt

Ultimately, the decision to sign up for a credit card with 0% interest for 21 months should be based on personal financial goals and limitations, and careful consideration of the card’s terms and conditions.

If you’re looking for credit cards with a long period of 0% interest, check out this list of credit cards that offer just that.

Pros of Credit Cards with 0 Interest for 21 months

Credit cards with a 0% interest rate for 21 months make an enticing offer to many individuals. The appeal of such an offer can be significant. Before you consider accepting any such offer, however, you should weigh the pros and cons of these credit cards carefully. This section explores the pros of credit cards with 0% interest for 21 months.

1. Ability to Pay Debt off Faster

The single, most significant benefit of using credit cards with a 0% interest rate is the ability to pay down debt faster. Without the burden of high-interest rates, you can make more substantial payments toward your balances, chipping away at your credit card debt much quicker than ever before.

2. A Breather from High-Interest Rates

A 0% interest rate for 21 months provides a much-needed breather from high-interest rates, which is an excellent opportunity to get your finances back on track. Instead of paying down high-interest debt that doesn’t budge much, you can take advantage of zero-interest periods to pay down more considerable amounts of balances.

3. Saves You a Significant Amount of Money

A 0% interest rate saves you a considerable amount of money on interest charges. Without interest payments, you get to keep more of your income, and every significant debt payment you make goes towards your balance.

4. Time to Build a Savings Cushion

Credit cards with a 0% interest rate provide a unique opportunity to build a savings cushion. This is because the 0% interest rate can be an additional source of emergency savings. Use the 21 months to build yourself a financial cushion that you can rely on in the future.

5. Revolving Line of Credit

A credit card with a 0% interest rate for 21 months also comes with a revolving line of credit, which comes in handy for those who have multiple small expenses in life. You can use the card for all those small purchases in life without having to pay exorbitant interest rates.

6. Improve Your Credit Score

A credit card with a 0% interest rate provides a great opportunity for you to improve your credit score. The absence of interest charges means you will pay off your balances much quicker, which will reflect positively on your credit score.

7. Flexibility and Convenience

Credit cards offer convenience and flexibility, allowing you to make purchases online and offline. A 0% interest credit card also provides the added flexibility to pay off a significant portion of your credit card debt without accruing interest charges.

8. Reward Points and Cashback Options

Many credit cards that offer a 0% interest rate for 21 months also offer reward points and cashback options. By earning these rewards, you can get cashback on purchases or redeem points for shopping, travel, and other perks. These rewards add another layer of benefit from using credit cards.

9. Consolidate Your Debt

A 0% interest credit card can also help you reduce your monthly expenses by consolidating your debt. It offers an excellent opportunity to move your balances from high-interest credit cards to a card with 0% interest, saving you a considerable amount of money on interest payments.

10. Money-Saving Option for Large Purchases

Finally, the ability to make significant purchases using a 0% interest credit card is also an attractive offer. It allows you to spread out a large purchase, such as a laptop or a new appliance, over 21 months without accumulating additional interest charges.

Overall, a credit card with 0% interest for 21 months can benefit you in many ways, offering you a buffer zone to pay down debt, build savings, earn rewards, and get more out of your credit cards. However, as with any financial product, there are also some cons to watch out for. The next section of this article explores the cons of 0% interest credit cards.

Enjoy Your Free Ride with 0% Interest Credit Cards for 21 Months!

It’s been great to share this information with you, and we hope you found it helpful. Remember, always read the fine print before signing up for any credit card deal, and stick to your budget to avoid falling into debt. Don’t forget to visit us again soon for more money-saving tips and financial advice. Thank you for reading and see you again soon!

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