Best 18 Month 0 Apr Credit Card

The Best 0% APR Credit Cards For 2021

Hello friends, today we will be discussing the best 0% APR credit cards that are available in the market right now. These credit cards are perfect for those who are looking for a way to pay off their purchases without accruing interest charges. A 0% APR credit card allows you to make purchases and pay off the balance over time without incurring any interest charges during the introductory period. So, if you’re looking for a way to manage your finances efficiently, this article is for you.

What are 0% APR Credit Cards?

Zero percent APR credit cards are a type of credit card that doesn’t charge interest on your purchases for a specific period. This is usually a promotional period of anywhere from six months to two years. This means that you can make purchases on your credit card without having to pay any interest on them during the promotional period. After the promotional period expires, you will be charged a regular interest rate. However, if you pay off your balance in full before the promotional period expires, you can avoid paying any interest at all.

How to choose the best 0% APR credit card?

There are a few factors that you should consider when choosing a 0% APR credit card to ensure that it meets your needs. These factors include the promotional period, the regular interest rate, the annual fee, rewards, and other perks such as balance transfer options.

Promotional period

The promotional period is the most important factor to consider when choosing a 0% APR credit card. This is because it determines how long you will be able to make purchases without incurring any interest charges. The longer the promotional period, the better. Look for cards with promotional periods of at least 12 months.

Regular interest rate

After the promotional period expires, you will be charged a regular interest rate on any remaining balance. The regular interest rate can vary widely between credit cards. Look for a card with a low regular interest rate.

Annual fee

Some credit cards charge an annual fee. This fee can offset any savings you might get from the promotional period. Look for a card with no annual fee.

Rewards and perks

Some 0% APR credit cards offer rewards and other perks. Look for a card that offers rewards and perks that complement your spending habits.

Best 0% APR Credit Cards for 2021

Here’s a list of the best 0% APR credit cards for 2021:

Credit Card Promotional Period Regular Interest Rate Annual Fee Rewards
Discover it Cash Back 14 months 11.99% – 22.99% $0 5% cash back on rotating categories
Citi Double Cash 18 months 13.99% – 23.99% $0 2% cash back on all purchases
Chase Freedom Unlimited 15 months 14.99% – 23.74% $0 1.5% cash back on all purchases
Bank of America Cash Rewards 15 months 13.99% – 23.99% $0 3% cash back on a category of your choice
Wells Fargo Active Cash 15 months 14.49% – 24.99% $0 2% cash back on all purchases

The benefits of a 0% APR Credit Card

Zero percent APR credit cards can be very beneficial for anyone who wants to make a big purchase or pay off their credit card debt without accruing interest charges. Here are some of the benefits of using a 0% APR credit card:

Save money on interest charges

The biggest benefit of using a 0% APR credit card is that you can save money on interest charges. During the promotional period, you won’t be charged any interest on your purchases. This means that you can make purchases and pay them off over time without incurring any additional charges.

Make big purchases

A 0% APR credit card is perfect for making big purchases without having to pay the entire amount upfront. You can take advantage of the promotional period to pay off your purchase over time without incurring any interest charges.

Pay off credit card debt

If you have credit card debt, a 0% APR credit card can be a helpful tool to pay off your balance without incurring any additional interest charges. You can transfer your balance to a 0% APR credit card and pay it off over the promotional period.

Improve your credit score

Using a 0% APR credit card responsibly can help improve your credit score. This is because the credit card company will report your payment history to the credit bureaus, which can help boost your credit score over time.

Conclusion

In conclusion, 0% APR credit cards can be a great tool to manage your finances. They allow you to make purchases and pay off your balance without incurring any interest charges during the promotional period. When choosing a 0% APR credit card, consider the promotional period, regular interest rate, annual fee, rewards, and other perks. Take advantage of these cards to save money, make big purchases, pay off credit card debt, and improve your credit score. Thank you for reading, and we hope you found this article helpful. See you in the next article!

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