The Top 0% Intro APR Credit Cards You Should Consider
Are you searching for a credit card that comes with a 0% introductory APR? If yes, then you are in the right place. Credit cards with 0% APR offer a great way for you to make purchases or transfer balances without accruing interest charges. This gives you an opportunity to pay off the principal balance before any interest is charged.
In this article, you will learn about some of the best 0% APR credit cards available in the market today. We will take a closer look at their features, pros, and cons to help you make an informed decision.
What are 0% Intro APR Credit Cards?
Credit cards with 0% introductory APR offer a promotional interest rate that is valid for a limited period of time, usually between six and eighteen months. During this period, you will not be charged any interest on purchases or balance transfers. However, once the promotional period is over, the interest rate will revert to the regular rate.
These credit cards can be a great option if you are planning to make a big purchase or transfer a balance from a high-interest credit card. With a 0% intro APR credit card, you can save a lot of money on interest charges.
Top 0% Intro APR Credit Cards
Here are some of the best 0% intro APR credit cards that you should consider:
1. Chase Freedom Unlimited
The Chase Freedom Unlimited credit card offers a 0% intro APR on purchases and balance transfers for the first 15 months. After the promotional period, the regular APR will be between 14.99% to 23.74%. The card also comes with a sign-up bonus of $200 when you spend $500 within the first three months of account opening.
One of the best features of this card is the unlimited 1.5% cashback on all purchases. This makes it a great choice for people who want to earn rewards on their everyday spending.
2. Citi Simplicity
The Citi Simplicity credit card offers a 0% intro APR on purchases and balance transfers for the first 18 months. After that, the regular APR will be between 14.74% to 24.74%. The card does not charge any late fees, penalty fees, or annual fees. This makes it a great option for people who want a simple and straightforward credit card.
3. Discover it Cash Back
The Discover it Cash Back credit card offers a 0% intro APR on purchases and balance transfers for the first 14 months. After that, the regular APR will be between 11.99% to 22.99%. The card offers 5% cashback on rotating categories every quarter, up to $1,500 per quarter. It also offers unlimited 1% cashback on all other purchases.
4. Wells Fargo Platinum card
The Wells Fargo Platinum card offers a 0% intro APR on purchases and balance transfers for the first 18 months. After that, the regular APR will be between 16.49% to 24.49%. This card does not offer any rewards, but it can be a great option if you want to transfer a balance from a high-interest credit card.
How to Choose the Best 0% Intro APR Credit Card for You
When choosing a 0% intro APR credit card, there are several factors that you should consider. Here are some of the most important ones:
1. Promotional period
The length of the promotional period can vary from one credit card to another. Make sure you choose a card that offers a promotional period that is long enough for you to pay off your balance.
2. Regular APR
After the promotional period is over, the regular APR will come into effect. Make sure you choose a credit card that offers a competitive regular APR.
If you want to earn rewards on your spending, choose a credit card that offers cashback, points, or miles.
Make sure you read the fine print to understand what fees are associated with the credit card. Look out for annual fees, late fees, balance transfer fees, and foreign transaction fees.
In conclusion, credit cards with 0% intro APR can be a great tool to help you save money on interest charges. Make sure you choose a credit card that offers a promotional period that is long enough for you to pay off your balances. Consider other factors such as the regular APR, rewards, and fees before making your decision.
Thank you for reading this article. We hope you found it helpful. Stay tuned for more interesting articles.
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