0% Intro APR Credit Cards with Rewards: A Game-Changer for Savvy Spenders
Are you tired of racking up interest charges on your credit card balances? Do you want to earn rewards on your purchases without breaking the bank? Look no further! 0% intro APR credit cards with rewards are the perfect solution for savvy spenders like you.
What are 0% Intro APR Credit Cards?
A 0% intro APR credit card is a type of credit card that offers a promotional period of 0% interest rates on purchases, balance transfers, or both. This means that during the promotional period, you won't be charged any interest on your outstanding balance. The length of the promotional period varies depending on the card, but it can range from 6 months to 21 months.
How Do 0% Intro APR Credit Cards with Rewards Work?
0% intro APR credit cards with rewards combine the benefits of a 0% intro APR promotional period with the perks of earning rewards on your purchases. During the promotional period, you'll earn rewards in the form of points, cashback, or travel miles on your purchases, while also enjoying 0% interest rates.
Top 0% Intro APR Credit Cards with Rewards
Here are some of the top 0% intro APR credit cards with rewards:
Chase Freedom Unlimited
- 0% intro APR for 15 months on purchases and balance transfers
- 3% cashback on all purchases in your first year up to $20,000 spent
- $150 bonus after spending $500 in the first 3 months
Citi Double Cash Card
- 0% intro APR for 18 months on balance transfers
- 2% cashback on all purchases: 1% when you buy, 1% when you pay
- No rotating categories or spending limits
Discover it Cash Back
- 0% intro APR for 14 months on purchases and balance transfers
- 5% cashback on various categories throughout the year, such as gas stations, grocery stores, and restaurants
- $150 bonus after spending $500 in the first 3 months
Tips for Using 0% Intro APR Credit Cards with Rewards
To get the most out of your 0% intro APR credit card with rewards, follow these tips:
- Pay your balance in full each month: Avoid interest charges by paying your balance in full each month.
- Use your card for daily purchases: Maximize your rewards earnings by using your card for daily purchases, such as groceries, gas, and dining.
- Take advantage of rotating categories: If your card offers rotating categories, make sure to use your card for those categories to earn higher rewards rates.
- Pay off your balance before the promotional period ends: Make sure to pay off your balance in full before the promotional period ends to avoid interest charges.
Conclusion
0% intro APR credit cards with rewards are an excellent choice for savvy spenders who want to earn rewards without accumulating interest charges. By choosing the right card and using it wisely, you can maximize your rewards earnings and save money on interest charges. Remember to always pay your balance in full each month and take advantage of rotating categories to get the most out of your card.
