If you're looking for a 0% APR credit card, there are plenty of options out there. But to get started, it's important to understand what makes a good 0% APR deal and what features are essential for your needs. Here are 10 best 0% APR cards that can help you get approved and ready for your next purchase:
Citi Simplicity®
Citi Simplicity® is a no-fee card, so there are no annual fees or sign-up bonuses. However, it does have a 0% intro APR on balance transfers for 18 months and purchases for 12 months. If you choose this option, you'll be able to transfer your existing debt from another lender without paying any transaction fees or interest charges.
While the regular Citi Simplicity® card comes with an introductory period of 18 months with no interest charges after making six payments on time (at least 20 days apart), this one offers only 12 months with 0% intro APR on balance transfers or purchases—but if you do want to make use of it during that time period then we recommend getting one of these rewards cards instead!
Wells Fargo Platinum Visa® Card
The Wells Fargo Platinum Visa® Card is a great choice if you're looking for a 0% APR credit card that doesn't have an annual fee and can be used worldwide. This card offers:
0% for 18 months on purchases and balance transfers (this includes cash advances and balance transfers)
0% introductory APR for 12 months; then 13.74%-24.74% variable upon renewal based on your creditworthiness at time of application
3% balance transfer fee (waived during first 6 months)
Chase Slate®
The Chase Slate® is a good option if you want to try out credit cards without the risk of being charged interest. It has no annual fee and offers 0% intro APR for 15 months on purchases and balance transfers. After that, the variable APR ranges from 15.24% - 25.99%.
U.S. Bank Visa® Platinum Card
If you're looking for a credit card that's easy to use, the U.S. Bank Visa® Platinum Card is your best bet. It has no annual fee and offers 0% APR on purchases for 12 months and balance transfers for 15 months. After that, variable APR ranges from 17.24% to 26.24%.
The one downside of this card is its limited rewards program: You'll earn 5x points on every $1 spent at gas stations and restaurants (up to $1,500 per year).
Barclaycard Ring™ Mastercard®
The Barclaycard Ring™ Mastercard® is one of the best 0% APR credit cards on the market. It has no annual fee, so you won’t have to pay that up front—and in fact it can even be used for purchases made at Amazon.com and other stores that offer free shipping.
The card does come with some limitations: after making your first five purchases within 90 days of opening your account, you will begin paying interest at a variable rate based on how much money you spend on those charges each month. This means that if you don't use this card enough in order to make its full payment each time (which would mean paying off all debt within 18 months), then higher rates may start appearing on top of existing balances.
While this level of flexibility doesn't seem like much compared with other cards that offer more generous terms, there are some benefits worth considering: first off, it doesn't charge an annual fee; secondhand research suggests most users get just as good value out of their rewards program as they do from their 0% APR offer; thirdly—and most importantly--you can redeem points for travel expenses or gift cards at any time!
Discover it® Balance Transfer
Discover it® Balance Transfer is a 0% APR card that offers a low balance transfer fee and 5% cash back bonus for 18 months.
The card has an annual fee, but it's waived for the first year (and you'll earn $0 in signup rewards) if you make at least one payment on time within 90 days of opening your account. You can also use this card to make purchases overseas without paying foreign transaction fees, which is nice if you travel abroad regularly or want to use your credit card abroad while traveling.
The Discover it® Balance Transfer comes with an easy-to-use online account management system and mobile app so that you don't have to wait until paper statements arrive in the mail each month—you can manage everything from one place!
BankAmericard Credit Card
The BankAmericard Credit Card is a great option if you're looking to use your credit card for everyday purchases. It offers 0% introductory APR on Purchases and Balance Transfers for 12 billing cycles, and then the ongoing APR of 14.74% - 24.74% Variable APR will apply (based on your creditworthiness).
The BankAmericards provide access to all 3 of the major credit card networks: Visa, MasterCard & American Express
Citi Diamond Preferred® Credit Card
The Citi Diamond Preferred® Credit Card is a great option if you're looking for a 0% APR credit card. It offers no annual fee, and has an intro APR on purchases of 12 months with no balance transfer requirement. After the introductory period, your variable APR will be 15.99% - 24.99% (Visa Signature cards have variable APRs ranging from 13.49%-25%).
In addition to its no annual fee feature, this card also provides other benefits such as:
A cash back bonus after you spend $3,000 in purchases within the first 90 days of opening your account;
waived foreign transaction fees; and
access to airport lounge access while traveling abroad
Amex EveryDay® Credit Card from American Express
The Amex EveryDay® Credit Card from American Express gives you a 0% introductory APR for 12 months on purchases, balance transfers and cash advances. After the introductory period ends, the APR will be variable at 17.24%-23.24%. You can also earn cash back rewards on every purchase made with your card—up to 1% cash back at check out in points that can be redeemed for statement credits and gift cards.
The Points Guy's Rating: 4/5
U.S. Bank Visa® Platinum Card with Rewards
The U.S. Bank Visa® Platinum Card with Rewards will give you 0% introductory APR for 18 months on purchases and balance transfers, then 14.74%-24.74% variable APR after that (with a penalty rate of 25% if you make a late payment). After having the card for a year, your credit limit will increase by $2,000 and your rewards redemption amount will be increased to 10,000 points per year instead of 5,000 points per year (worth $500 when redeemed).
Depending on how long you plan to carry a balance, the card that's best for you may not be one with the longest 0% APR period.
If you’re looking for a 0% APR credit card, there are several things to consider. First and foremost, the longer the 0% period on your card, the better it is for you. However, depending on how long you plan to carry a balance and how much money you want to set aside for emergencies or other costs that could come up in between now and then (like buying a car), this may not be as important as other factors like rewards or perks offered by other cards.
The main benefit of getting one of these cards is that they allow consumers who otherwise wouldn't be able to afford something like this because they have poor credit histories access to affordable financing options without needing any collateral or proof of income attached with them. This means that once applied for online via their website where users fill out an application form which includes basic personal details such as name address age etc., along with some basic financial information like salary/income bracket etc., once approved within 24 hours!
Conclusion
In short, there are many great 0% APR credit cards out there with different perks and benefits. A few of them have rewards programs that can help you save money on travel expenses, or simply give you a little more cash back each month. If you're planning on keeping your balance low for a long time, then maybe one of these cards is right for you!