Best 0% APR Credit Cards 2024 #
When it comes to managing your finances, a 0% APR credit card can be a game changer. Whether you’re looking to pay off existing debt or make a big purchase, these cards offer you the ability to save on interest and focus on what’s important. Here’s our list of the best 0% APR credit cards of 2024.
Welcome Offer
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.Intro APR
0% intro APR on purchases and balance transfers for 15 months, then a variable APR of 18.49% - 29.49% applies.Balance Transfer Fee
Either $5 or 3% of the amount of each transfer, whichever is greater.Cash Back Rewards
3% Cash Back at U.S. supermarkets (on up to $6,000 per year, then 1%)
3% Cash Back at U.S. gas stations (on up to $6,000 per year, then 1%)
3% Cash Back on U.S. online retail purchases (on up to $6,000 per year, then 1%)Cash back is received in the form of Reward Dollars, which can be redeemed as a statement credit or at Amazon.com checkout.
Annual Fee
$0 See Rates and Fees; terms applyCredit Required
Good to Excellent
Rewards
Earn unlimited 1.25X miles on every purchase, every dayIntro APR:
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Rewards
Earn a $200 Cash Back after you spend $500 within the first 3 months of account opening.Intro APR:
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Rewards
Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening.Intro APR:
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reg_apr,reg_apr_typeAnnual fee:
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Our Methodology #
Our recommendations for the best 0% APR credit cards are based on a comprehensive review of each card’s intro APR offer, rewards program, fees, interest rates, and other benefits. We also consider the flexibility of redemption options, the value of welcome bonuses, and any additional perks that enhance the cardholder’s experience. Our goal is to help you find the card that best fits your financial needs and goals.
FAQs #
What factors should I consider when choosing a 0% APR credit card? #
When selecting a 0% APR credit card, consider how long the introductory APR period lasts, whether the offer applies to purchases, balance transfers, or both, and any fees associated with the card. Also, consider the card’s rewards program, ongoing APR after the intro period, and any additional perks such as cashback or travel rewards.
How do I maximize my 0% APR credit card offer? #
To maximize your 0% APR offer, use the card for large purchases you plan to pay off over time or transfer high-interest debt to the card to save on interest. Make sure to pay off the balance before the introductory period ends to avoid interest charges.
What happens after the 0% APR period ends? #
After the 0% APR period ends, the card’s regular APR will apply to any remaining balance. It’s important to pay off as much of the balance as possible before this period ends to avoid paying interest on your purchases or transferred balances.
Can I apply for multiple 0% APR credit cards? #
Yes, you can apply for multiple 0% APR credit cards, but be mindful of the impact on your credit score. Each application results in a hard inquiry on your credit report, which can temporarily lower your score. Additionally, managing multiple cards can be challenging, so it’s important to stay organized and keep track of payment due dates and intro periods.
Are there any fees associated with 0% APR credit cards? #
Some 0% APR credit cards have no annual fees, while others may charge an annual fee or balance transfer fees. It’s important to read the terms and conditions of the card to understand all potential costs before applying.