Finances (US)

Choose your zero APR card: save money!

Looking for a credit card with a zero APR period? With so many options available, it can be difficult to choose your zero APR card. In this article, we'll explore the factors to consider when selecting a zero APR card that best fits your needs.

Having a credit card with an 0% APR intro period will help you save some money. Here you’ll find some excellent options to choose your zero APR credit card and use it to pay your expenses.

Select a 0% APR credit card that suits your needs

0% APR for 21 months
For making large purchases
Unlimited cashback rewards
Up to 5% cashback rate
No annual fee

Learn what is a zero APR card and choose yours

It is a credit card that offers a period of time during which no interest is charged on balance. It is important to have some information to choose your zero apr credit card.

Zero APR credit cards can be a great way to save money on interest charges while paying off a balance or making new purchases. 

These cards offer an introductory period during which you won’t be charged any interest on your balance or purchases.

Giving you a chance to pay off debt or finance a large purchase without incurring additional costs.

However, not all zero APR cards are created equal. Some may have shorter or longer introductory periods, while others may have higher fees or fewer rewards. 

Thus, if you’re considering a zero APR card, it’s important to compare your options and choose a card that’s right for you.

business man holding credit card with 0%

What does 0% APR mean? Find out how to benefit!

Are you wondering what does 0% APR mean? If so, you can read our post to learn all about this topic and save money!

5 top zero APR cards currently available

See which cards have a 0% APR waiting for you. Source: Adobe Stock.
See which cards have a 0% APR waiting for you. Source: Adobe Stock.

Are you in the market for a credit card with a zero APR offer?

Look no further than our comprehensive list of top zero APR cards, featuring some of the best options on the market today.

From balance transfers to new purchases, our list has you covered.

Chase Freedom Unlimited

This card offers a zero APR introductory period of 15 months on both purchases and balance transfers.

Making it a great option if you’re looking to consolidate debt or make a large purchase without accruing interest. 

After the introductory period, the APR will vary based on your creditworthiness.

The card also offers unlimited 1.5% cash back on all purchases, with no annual fee.

Check how to apply for this credit card.

Chase Freedom Unlimited® credit card

How to apply for the Chase Freedom Unlimited® card

The Chase Freedom Unlimited® credit card is that card that gives you what you need: flexibility and cashback. Are you wondering how to apply for it? Just keep reading!

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Citi Simplicity 

This card offers one of the longest zero APR introductory periods available, with 18 months of no interest on both purchases and balance transfers.

The card also has no annual fee and no late fees, making it a great option if you’re looking for a low-maintenance credit card.

If you’d like to apply for this credit card, read our application guide at the following link.

Citi Simplicity® Card

How to apply for the Citi Simplicity® Card?

Are you looking for a card to help you save money with intro APRs? If so, read our post to learn how to apply for the Citi Simplicity® Card!

Wells Fargo Platinum 

This card also offers 18 months of no interest on both purchases and balance transfers, with no annual fee.

However, the card does charge a balance transfer fee of 3% (minimum $5), so keep that in mind if you’re planning to transfer a large balance.

Discover it Cash Back 

This card offers 0% APR on purchases for the first 14 months, and 0% APR on balance transfers for the first 14 months (then, 11.99% – 22.99% variable APR applies). 

The card also offers 5% cash back on rotating categories (up to $1,500 in purchases per quarter, activation required) and 1% cash back on all other purchases.

There is no annual fee and no foreign transaction fees. See how to apply for this zero APR credit card on the following link.

Discover it® Cash Back

How to apply for the Discover it® Cash Back

Learn how the application process for the Discover it® Cash Back works and how you can easily get yours online!

American Express Blue Cash Everyday 

This card offers 0% APR on purchases for the first 15 months, and 0% APR on balance transfers for the first 15 months (then, 13.99% – 23.99% variable APR applies). 

The card also offers 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%), 2% cash back at U.S. gas stations and select U.S. department stores, and 1% cash back on all other purchases.

There is no annual fee. Seems like a match? Learn how to apply for it by reading the post below.

Blue Cash Everyday® Card from American Express

How to apply for a Blue Cash Everyday Card?

Earn cash back with no annual fee with a Blue Cash Everyday card! Learn how to apply for it!

Things to keep in mind when comparing zero APR cards

Not every 0% APR card is the same, so pay attention to its features. Source: Canva.
Not every 0% APR card is the same, so pay attention to its features. Source: Canva.

Whenever we choose a new financial product, there are a few essential aspects to consider before making a decision. Let’s talk about what you should look for on a zero APR credit card.

Introductory period

How long does the zero APR introductory period last?

This can vary from a few months to over a year, so choose a card with a period that works for your needs.

Balance transfer fees

If you’re planning to transfer a balance from another card, make sure you check the balance transfer fee.

Some cards charge a fee of 3-5% of the total balance transferred, which can add up quickly.

Annual fees

Some zero APR cards have annual fees, so make sure you’re aware of any fees associated with the card.

Rewards

If you’re looking to earn rewards while using your zero APR card, make sure you choose a card with rewards that match your spending habits.

Creditworthiness

Keep in mind that the APR you receive after the introductory period may vary based on your creditworthiness, so make sure you check the fine print before applying for a card.

Credit limit

Make sure you choose a card with a credit limit that meets your needs.

Some cards may offer a lower credit limit, which can be helpful if you’re looking to control your spending.

Other fees

In addition to balance transfer fees and annual fees, some cards may also have other fees, such as foreign transaction fees or late fees.

Make sure you’re aware of all fees associated with the card before applying.

Credit score requirements

Some zero APR cards may require a higher credit score than others, so make sure you check the credit score requirements before applying.

Additionally, it’s important when choosing a zero APR card to consider your financial goals and spending habits.

If you’re looking to pay off debt, a card with a long introductory period and no balance transfer fees may be the best option. 

Otherwise, If you’re looking to make a large purchase, a card with a long introductory period on purchases may be a better choice.

Other important aspects

It’s also important to remember that zero APR cards are not a long-term solution to debt or overspending. 

After the introductory period ends, you’ll be charged interest on any remaining balance or new purchases, so it’s important to have a plan in place to pay off the balance before the introductory period ends.

Equally important, before applying for a zero APR credit card, it’s important to make sure you’re in a stable financial position.

Zero APR cards can be a great way to save money on interest charges, but they’re not a substitute for good financial habits. 

Finally, you should have a budget in place and a plan for paying off your balance before the introductory period ends.

credit score check

Best way to check your credit score: learn now!

Do you need to improve your finances and have a higher score? Check out our post to learn the best way to check your credit score!

Impacts on credit score

Additionally, keep in mind that applying for a new credit card can have an impact on your credit score. When you apply for a credit card, the issuer will perform a hard inquiry on your credit report, which can lower your score by a few points.

However, the impact of a hard inquiry is usually temporary, and your score should recover within a few months as long as you continue to use credit responsibly.

Sum-up

In conclusion, a zero APR credit card can be a valuable tool for managing debt or making large purchases without incurring interest charges. 

If you choose your zero APR card with a long introductory period, low fees, and rewards that match your spending habits.

You can take advantage of the benefits of a zero APR card while maintaining good financial habits. 

Just be sure to have a plan in place for paying off your balance before the introductory period ends.

And make sure you’re in a stable financial position before applying for a new credit card.

Should you have more than one credit card? Understand the pros and cons

Having more than one credit card is very common, but is it good for your finances?

With so many good options in the market, it feels like we should have one of each to enjoy all of its benefits.

In the following post, we’ll tell you when and why you should own more than one credit card in your wallet. Click on the link bellow to read this content.

have more than one credit card

Should you have more than one credit card?

Are you wondering if having more than one credit card is a good idea and how to use them wisely? If so, read on to learn if you should have more than one credit card!

About the author  /  Aline Augusto

My name is Aline Mesquita; I'm a writer here on the blog, where I write about finance in general and other subjects. I have been working with content creation for ten years. Also, I'm post-graduated in Project Management, with expertise in SEO practices. Currently, I am studying finance, market trends, and cryptocurrencies.

Reviewed by  /  Aline Barbosa

Senior Editor

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