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What Are the Best Credit Cards with 0% APR on Purchases?

Oliver KahnVerified
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Summary：Looking for credit cards offering 0 interest? Check out the best options including the Citi Simplicity Card, Chase Freedom Unlimited, and Discover it Cash Back. Use them wisely by paying on time, paying off your balance before the introductory period ends, and avoiding overspending.

0% APR credit cards are a great way to save money on interest charges while making purchases, especially if you have a large purchase coming up or want to consolidate debt. In this article, we will discuss the best credit cards with 0% APR on purchases and offer tips on how to use them wisely.

Best Credit Cards with 0% APR on Purchases

1. Citi Simplicity Card: This card offers 0% APR on purchases for 18 months, making it a great option for those who want a long introductory period. It also has no late fees or penalty APRs, making it a good choice for those who may miss a payment.

2. Chase Freedom Unlimited: This card offers 0% APR on purchases for 15 months and has a rewards program that earns 1.5% cash back on all purchases. This makes it a good choice for those who want to earn rewards while enjoying a 0% APR.

3. Discover it Cash Back: This card offers 0% APR on purchases for 14 months and has a rewards program that earns 5% cash back on rotating categories. This makes it a good choice for those who want to earn higher rewards on certain purchases.

Tips for Using 0% APR Credit Cards Wisely

1. Pay on time: Missing a payment can result in losing your 0% APR and incurring late fees and penalty APRs.

2. Pay off your balance before the introductory period ends: Once the 0% APR period ends, the interest rate will increase, so it's important to pay off your balance before that happens.

3. Don't overspend: Just because you have a 0% APR doesn't mean you should spend more than you can afford to pay back.

4. Use the card strategically: Consider using the 0% APR card for large purchases or to consolidate debt, but use a different card for everyday expenses toavoid overspending.

Credit Card Savings Strategies

1. Use rewards: Take advantage of rewards programs to earn cash back, points, or miles on your purchases.

2. Use balance transfer offers: If you have high-interest debt, consider transferring it to a 0% APR balance transfer card to save on interest charges.

3. Avoid annual fees: Look for credit cards with no annual fees to save money on unnecessary charges.

4. Monitor your credit score: A good credit score will help you qualify for the best credit card offers and save money on interest charges.

Credit Card Risks and How to Avoid Them

1. Interest charges: Make sure to pay your balance in full each month to avoid interest charges.

2. Late fees: Set up automatic payments or reminders to avoid missing payments and incurring late fees.

3. Fraudulent charges: Monitor your credit card statements regularly and report any suspicious activity to your credit card issuer immediately.

4. Overspending: Use credit cards responsibly and only spend what you can afford to pay back to avoid high-interest debt.

Conclusion

0% APR credit cards can be a great way to save money on interest charges while making purchases or consolidating debt. However, it's important to use them wisely and avoid overspending or missing payments. By following these tips and strategies, you can make the most of your credit cards and save money in the long run.

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credit cards 0 interestCiti Simplicity CardChase Freedom UnlimitedDiscover it Cash Backpay on timepay off balanceavoid overspendinguse credit cards wisely
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