What are the Best 0 APR Cash Back Credit Cards?

What are the Best 0 APR Cash Back Credit Cards?

When it comes to credit cards, there are a lot of options available in the market. However, not all credit cards are created equal. Some credit cards offer 0% APR (Annual Percentage Rate) for a limited time, others offer cashback rewards, and some offer both. In this article, we’ll take a closer look at the best 0 APRcashback credit cardsand help you choose the right one for you.

Chase Freedom Unlimited

The Chase Freedom Unlimited card is a great option for those who want to earn cashback rewards while enjoying a 0% APR for the first 15 months. The card offers unlimited 1.5% cashback on all purchases, with no minimum spend or rewards categories to worry about. Additionally, there is no annual fee for this card, making it an excellent choice for those looking to save money.

Citi Double Cash Card

The Citi Double Cash Card is another great option for those looking for a 0 APR cashback credit card. This card offers 0% APR for the first 18 months and allows you to earn up to 2% cashback on all purchases (1% when you buy and 1% when you pay). There is no annual fee for this card, and you can redeem your cashback rewards in the form of a statement credit, direct deposit, or check.

Discover it Cash Back

The Discover it Cash Back card is a popular choice for those looking for a 0 APR cashback credit card. This card offers 0% APR for the first 14 months and allows you to earn up to 5% cashback on rotating categories (up to $1,500 in purchases per quarter) and 1% cashback on all other purchases. There is no annual fee for this card, and you can redeem your cashback rewards for statement credits, direct deposit, or gift cards.

American Express Blue Cash Everyday Card

The American Express Blue Cash Everyday card is a great choice for those who want to earn cashback rewards on everyday purchases. This card offers 0% APR for the first 15 months and allows you to earn up to 3% cashback at U.S. supermarkets (up to $6,000 in purchases per year), 2% cashback at U.S. gas stations and select U.S. department stores, and 1% cashback on all other purchases. There is no annual fee for this card, and you can redeem your cashback rewards in the form of a statement credit.

Tips for Applying for a Credit Card

When applying for a credit card, there are a few things you should keep in mind. First and foremost, make sure you have a good credit score. Credit card companies use your credit score to determine your creditworthiness, and a higher score will increase your chances of being approved for a credit card with better rewards and benefits.

Additionally, you should always read the terms and conditions of the credit card before applying. Make sure you understand the APR, fees, and rewards structure of the card so you can make an informed decision.

Finally, make sure you pay your credit card bill on time and in full each month to avoid interest charges and late fees. This will also help you maintain a good credit score, which will increase your chances of being approved for future credit cards and loans.

In conclusion, the best 0 APR cashback credit cards offer a great way to earn rewards and save money. By choosing the right card and following the tips outlined in this article, you can make the most of your credit card and avoid common pitfalls.