Top 5 Credit Cards With 0% APR


UPDATED:  December 28, 2018  —  Credit cards with 0% APR and interest rates can be a lifesaver when it comes to digging yourself out of debt. Take a look at some of the best 0% APR credit cards options out there today.

Chase Slate Visa  chase_slate1

The Chase Slate Visa credit card offers 0% APR for the first 15 months of owning the card.

It also gives a 0% balance transfer fee within the first 60 of owning the card, which means you can safely move your funds onto your new card without being charged for the transfer.

To compare, most other credit cards charge 3% to 5% transfer fee – which, no matter how much money you are moving, gets quite pricy.

There is no other credit card available that offers both a long 0% APR period, and balance transfers without fees. The Chase Slate card also has no annual fee.

Citi Simplicity MasterCard       Citi-Simplicity-MasterCard

The Citi Simplicity card also offers an annual fee of $0. Its introductory APR period is longer, at 21 months.

Its balance transfer fee is %3, and the card requires a minimum balance transfer of $5.

There are no late fees with the Citi Simplicity MasterCard, but don’t forget that your credit score can still be negatively impacted by late credit card payments.

It also has a 3% fee on foreign transactions – so maybe not the best credit card to take abroad with you.

Chase Freedom Card   freedom_card

This card’s introductory 0% APR period lasts for 15 months.

Additionally, it offers a $150 bonus if you spend over $500 in purchases during your first three months after opening the Chase Freedom account.

There is a 5% cash back ration quarterly bonus categories, for up to $1,500 in quarterly spending. It also gives 1% cash back for everything else.

Like the two previous cards, the annual credit card fee is $0.

Citi Double Cash Card   citi-double-cash-card

The Citi Double Cash Card’s introductory 0% APR rate period is 18 months.

This card offers 1% cashback on purchases, and another 1% cash back when you pay off the purchases.

There is no purchase limit on the cashback rate. Another credit card with no annual fee.

Discover it Card  Discover-it-cash-credit-card-blue

This card offers 0% APR on purchases for the first 6 months, and then 0% APR on balance transfers for 18 months.

It gives 5% cashback on purchase categories that rotate by quarter, for up to $1,500 on quarterly purchases. It offers 1% cashback on all other purchases.

There is no penalty APR, or fees for foreign transactions.

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