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What Are the Best 0 APR Intro Credit Cards?

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Summary：Learn about the best 0 APR intro credit cards and how they can help you save money and pay off debt. Tips for applying for credit cards, saving money, and avoiding fees and risks included.

As an expert in credit cards, I am often asked about the best 0 APR intro credit cards. These cards offer a period of time during which no interest is charged on purchases or balance transfers, which can be a great way to save money and pay off debt. In this article, I will provide a detailed answer to this question, as well as some tips onapplying for credit cards, saving money with credit cards, and avoiding fees and risks.

What is a 0 APR Intro Credit Card?

A 0 APR intro credit card is a credit card that offers a period of time during which no interest is charged on purchases or balance transfers. This period can range from a few months to over a year, depending on the card. This can be a great way to save money on interest charges and pay off debt more quickly.

Best 0 APR Intro Credit Cards

Here are some of the best 0 APR intro credit cards currently available:

- Chase Freedom Unlimited: This card offers a 0 APR intro period of 15 months, as well as cashback rewards on purchases.

- Citi Diamond Preferred: This card offers a 0 APR intro period of 18 months, as well as access to exclusive events and experiences.

- Discover it Cash Back: This card offers a 0 APR intro period of 14 months, as well as cashback rewards on purchases and no annual fee.

- Wells Fargo Platinum Visa: This card offers a 0 APR intro period of 18 months, as well as cell phone protection and no annual fee.

Tips for Applying for Credit Cards

When applying for a credit card, there are a few things to keep in mind:

- Check your credit score: Your credit score will impact your ability to get approved for a credit card and the terms you are offered.

- Compare cards: There are many credit cards available, so it's important to compare them and find the one that best fits your needs.

- Read the fine print: Make sure you understand the terms and conditions of the credit card, including any fees, interest rates, and rewards programs.

Saving Money with Credit Cards

Credit cards can also be a great way to save money if used wisely. Here are some tips:

- Use rewards programs: Many credit cards offer rewards programs that can earn you cash back, points, or miles that can be redeemed for travel, merchandise, or other rewards.

- Take advantage of 0 APR intro periods: If you have a balance on another credit card, transferring it to a card with a 0 APR intro period can save you money on interest charges.

- Pay off your balance in full: To avoid interest charges and fees, it's important to pay off your balance in full each month.

Avoiding Fees and Risks

Finally, it's important to be aware of the fees and risks associated with credit cards. Here are some tips:

- Avoid late fees: Make sure to pay your credit card bill on time to avoid late fees.

- Watch out for balance transfer fees: Some credit cards charge a fee for balance transfers, which can eat into your savings.

- Be aware of fraud: Keep your credit card information safe and monitor your account for any unauthorized charges.

Conclusion

In conclusion, 0 APR intro credit cards can be a great way to save money on interest charges and pay off debt more quickly. When applying for a credit card, it's important to compare cards, check your credit score, and read the fine print. To save money with credit cards, use rewards programs, take advantage of 0 APR intro periods, and pay off your balance in full. Finally, be aware of fees and risks, including late fees, balance transfer fees, and fraud.

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