Best Credit Card For 0 Apr

The Best 0% APR Credit Cards

Introduction

Hello, friends! Are you looking for the best 0% APR credit cards? Look no further as we have compiled a list of the best 0% APR credit cards available in the market right now. Credit cards with 0% APR offer a great opportunity to save on interest charges especially if you need to finance a large purchase or pay off debt without accruing interest charges. However, it is important to note that these cards usually have a limited promotional period so make sure to choose the one that fits your financial needs. Read on to find out which 0% APR credit card suits you best.

The Best 0% APR Credit Cards

If you’re looking for a 0% APR credit card, there are a number of great options available to you. We’ve compiled a list of the best cards below, with information on each card’s benefits and features.

Chase Freedom Unlimited

The Chase Freedom Unlimited card offers 0% APR for the first 15 months of account opening, which is one of the longest promotional periods available. This card also offers a sign-up bonus of $200 for spending $500 within the first three months and a cashback rate of 1.5% for every purchase you make. This card also has no annual fee which makes it one of the most popular 0% APR credit cards in the market.

However, it is important to note that after the promotional period ends, the APR will be between 14.99% and 23.74% based on your creditworthiness.

Discover it Cash Back

The Discover it Cash Back card offers 0% APR for the first 14 months of account opening. This card also offers a generous cashback program where you can earn 5% cashback on rotating categories each quarter up to a quarterly maximum of $1,500 when you activate, and unlimited 1% cashback on all other purchases. This card also has no annual fee and no foreign transaction fees.

This card is also great for those who don’t carry a balance as it offers a cashback match at the end of your first year with no spending limit. However, it is important to note that the APR will be between 11.99% and 22.99% after the promotional period ends based on your creditworthiness.

Citi Simplicity

The Citi Simplicity offers 0% APR for the first 18 months of account opening which is the longest promotional period in the market right now. This card also has no late fees, no penalty APR, and no annual fee. This is a great option for those who prioritize simplicity and want to avoid the hassle of fees and penalties.

However, it is important to note that the balance transfer fee is 5% of each balance transfer, with a minimum of $5. After the promotional period ends, the APR will be between 14.74% to 24.74% based on your creditworthiness.

Wells Fargo Platinum

The Wells Fargo Platinum card offers 0% APR for the first 18 months of account opening. This card also has no annual fee and offers cell phone protection if you pay your monthly bill with your Wells Fargo Platinum card.

However, it is important to note that the balance transfer fee is $5 or 3% of the amount of each transfer, whichever is greater, for the first 120 days from account opening. After that, the fee for future balance transfers is 5% of the amount transferred, with a minimum of $5. After the promotional period ends, the APR will be between 16.49% to 24.49% based on your creditworthiness.

Conclusion

Choosing the best 0% APR credit card that fits your financial needs and habits can be a daunting task. It is important to assess your current financial situation, prioritize what you need, and choose the card that offers the most benefits and features that align with your goals. The Chase Freedom Unlimited, Discover it Cash Back, Citi Simplicity, and Wells Fargo Platinum are some of the best 0% APR credit cards that offer a great promotional period, rewards program, and no annual fees. Thank you for reading and we hope this article has helped you choose the best 0% APR credit card for your financial needs. See you in our next article!

Best Credit Card For 0 Apr

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