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What are the Best Credit Cards with 0% APR?

Eva MarcilleVerified
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Summary：Looking for credit cards with 0% APR? Check out the top options, including Chase Freedom Unlimited, Citi Simplicity, and Discover it Cash Back. These cards offer promotional periods for purchases and balance transfers without accruing interest. Read on to learn more about what to consider before applying.

Credit cards can be a great tool for managing your finances, but they can also come with high-interest ratesthat can quickly add up. That's where 0% APR credit cards come in. These cards offer a promotional period during which you can make purchases or transfer balances without interest. But which cards are the best? In this article, we'll explore the top credit cards with 0% APR and what you need to know before applying.

Chase Freedom Unlimited

The Chase Freedom Unlimited card offers 0% APR for the first 15 months on purchases andbalance transfers. After that, the APR will be a variable rate between 14.99% and 23.74%. This card also offers a $200cashbackbonus if you spend $500 within the first three months of opening the account. Additionally, you can earn unlimited 1.5% cashback on all purchases.

Citi Simplicity

The Citi Simplicity card offers one of the longest 0% APRpromotional periodson the market, at 18 months for purchases and balance transfers. After that, the APR will be a variable rate between 14.74% and 24.74%. This card also has no annual fee or late payment fees, making it a great choice for those looking to avoid extra charges.

Discover it Cash Back

The Discover it Cash Back card offers 0% APR for the first 14 months on purchases and balance transfers. After that, the APR will be a variable rate between 11.99% and 22.99%. This card also offers 5% cashback on rotating categories that change every quarter, such as gas stations, grocery stores, and restaurants, up to a quarterly maximum. You can also earn unlimited 1% cashback on all other purchases.

Things to Consider

While 0% APR credit cards can be a great way to save money on interest, there are a few things to consider before applying. First, make sure you understand the terms and conditions of the promotional period, including when it ends and what the APR will be after that. Additionally, some cards may charge balance transfer fees, so be sure to factor that into your decision.

It's also important to consider yourcredit scorebefore applying for a credit card. Generally, the better your credit score, the more likely you are to be approved for a card with a low APR. If your credit score is less than ideal, you may want to work on improving it before applying.

Finally, it's important to use your credit card responsibly and pay your balance in full each month to avoid accruing interest charges. Consider setting a budget and only using your credit card for purchases you can afford to pay off.

Conclusion

0% APR credit cards can be a great way to save money on interest, but it's important to choose the right card for your needs and use it responsibly. The Chase Freedom Unlimited, Citi Simplicity, and Discover it Cash Back are all great options to consider. Before applying, make sure you understand the terms and conditions of the card and consider your credit score and spending habits. With the right card andresponsible use, you can take advantage of the benefits of 0% APR credit cards while avoiding unnecessary fees and charges.

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