0% interest credit cards

From grocery stores, to gas stations, to travel, to everyday spending, there are great cards for maximizing essentially any purchase.But there is one set we have yet to explore: the best 0% APR credit cards. While fair credit is definitely better than bad credit, a fair credit score will limit your options for finding 0% or reduced-rate interest deals. These cards offer an outstanding 0% intro APR on purchases, balance transfers, or both. After a 0% credit card’s interest-free period ends, the card’s regular APR applies to the remaining balance, if any (some cards are from WalletHub partners). The best 0% interest credit cards will save you the most money in the short term. A 0% purchase credit card is ideal if you are planning a significant purchase, like a dream holiday or a car, and want to spread the cost over a period of time without wasting money on interest payments. The average 0% credit card has a 0% APR for 11 months, a $0 annual fee and an 18.05% regular APR. Shopping with a credit card will also give you extra protection if the product is faulty or doesn’t arrive on time, thanks to boosted consumer rights. See Martin Lewis' top picks on 0% credit cards. Credit cards that offer a 0% introductory APR period can help you avoid paying sky-high interest rates on purchases and balance transfers, for up to a year or even longer. Look for 0% interest rate credit cards with long time periods. 0% Interest Credit Cards. While a 0% intro APR credit cards does not offer a permanent solution to getting rid of credit card debt, it can help you accomplish several financial goals. HSBC Credit Card Offer.

If you spend on cards but don't repay in full, try a 0% credit card with up to 20 months' interest-free spending. 0% purchase credit cards. See the cost of every card based on how much you want to borrow and for how long. 0% credit cards can save you money because you can spread the cost of purchases for up to 2 years interest free. The best 0% credit card deals offer 0% interest rates on balance transfers and 0% purchase deals for up to 29 months. We’ve tackled the best cards for all sorts of spending. The best 0% interest credit cards of 2020 U.S. Bank Visa® Platinum Card : Best for the longest introductory APR period. A card with a long 0% intro APR period can help you buy that expensive item you’ve been wanting or allow you to pay down credit card debt with a balance transfer. On 0% APR credit cards, the APR on purchases is set to 0% for a limited period of time. Compare the cards that let you do this and pick one with the longest interest free period to get the best deal. For the most part, major issuers reserve 0% APR offers for cards aimed at consumers with at least good credit. Some 0% purchase credit cards offer an … The best 0% APR credit cards. A 0% APR credit card is a card that does not charge interest on purchases for a certain number of months after account opening. In either case, the 0% offer only applies to a specific way of spending. Low Fee Credit Card. Compare 0% intro APR cards of 2020 and apply. One key difference is that 0% APR credit cards can charge a fee for transferring a balance, which is typically 3%-5% of the amount transferred.

A platinum card offering 0% interest on balance transfers for 22 months with no balance transfer fee. A 0% balance transfer credit card can help you save money on existing debt by charging no interest during the introductory period. NerdWallet ranks 39 of the top 0% interest credit cards for purchases and balance transfers, based on your needs.

Note that one of our favourite credit cards with an intro APR offer, the Chase Slate, is currently not available to new customers. 0% Intro APR on Purchases for 12 months; after that the variable APR will be 12.90% – 22.90% (V), based on your creditworthiness; Earn $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account opening

The 0% interest (APR) on a balance transfer means you can transfer a balance from your high-interest credit cards to the 0% APR credit card, and then pay off the balance over a specific period of time without being charged interest. 0% Intro APR on Purchases for 12 months; after that the variable APR will be 12.90% – 22.90% (V), based on your creditworthiness; Earn $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account opening