0% APR credit cards can be useful for making large purchases or transferring balances without accruing interest for a specific introductory period. Here are some popular 0% APR credit cards that are often considered among the best:
- Citi Simplicity® Card: This card offers a lengthy introductory period with 0% APR on purchases and balance transfers. It has no late fees or penalty rates, making it a straightforward option for those seeking a simple and low-cost borrowing option.
- Chase Freedom Flex℠: This card offers an introductory period with 0% APR on purchases and balance transfers, along with a cash back rewards program. It often provides a sign-up bonus and has no annual fee.
- Discover it® Cash Back: This card offers an introductory period with 0% APR on purchases and balance transfers. It also provides cash back rewards on purchases, with bonus categories that change each quarter. Discover often matches the cash back earned in the first year for new cardmembers.
- Wells Fargo Platinum Card: This card offers an extended introductory period with 0% APR on purchases and balance transfers. It also provides additional benefits, such as cell phone protection and access to Wells Fargo’s My Money Map budgeting tool.
- U.S. Bank Visa® Platinum Card: This card offers an introductory period with 0% APR on purchases and balance transfers. It has no annual fee and provides additional benefits, such as free TransUnion credit score access.
When considering a 0% APR credit card, it’s essential to review the length of the introductory period, the regular APR after the introductory period, any balance transfer fees (if applicable), and any other fees or benefits offered. Additionally, it’s important to understand the terms and conditions of the card to ensure you can take advantage of the 0% APR period effectively and responsibly.