Best 0% APR Credit Cards in 2024
Looking to save money on interest charges? A 0% APR credit card can be a great way to do just that. With a 0% APR credit card, you can borrow money and make purchases without accruing interest for a set period of time. This can be incredibly helpful if you need to make a large purchase, consolidate debt, or simply want to avoid paying interest on everyday expenses.
Here are some of the best 0% APR credit cards available in 2024:
Best Overall:
- Chase Freedom Unlimited: Offers a 0% introductory APR for 15 months on purchases and balance transfers. It also comes with unlimited 1.5% cash back on all purchases, making it a great card for everyday spending.
Best for Balance Transfers:
- **Citi Simplicity®: **Boasts a 0% introductory APR for 21 months on balance transfers, along with a $0 annual fee. This makes it a great option for consolidating high-interest debt.
Best for Long Intro APR:
- Discover it® Balance Transfer: Offers a 0% introductory APR for 18 months on balance transfers and purchases, plus a $0 annual fee. This card is great for those who need a longer introductory period to pay off their balances.
Best for No Annual Fee:
- Capital One QuicksilverOne: Offers a 0% introductory APR for 15 months on purchases and balance transfers, with no annual fee. This is a great choice for those who want to avoid annual fees and benefit from a long introductory period.
When choosing a 0% APR credit card, consider these factors:
- Introductory APR: How long is the introductory period?
- Balance Transfer Fee: Is there a fee to transfer your balance?
- Annual Fee: Does the card have an annual fee?
- Other Perks: What other rewards or benefits does the card offer?
Important Note:
- After the introductory period, the APR will revert to the standard rate. It is crucial to pay off the balance before this happens to avoid hefty interest charges.
- These cards typically have a minimum credit score requirement. Make sure you meet the eligibility criteria before applying.
Before you apply for any 0% APR credit card, be sure to read the fine print and understand the terms and conditions. Use these cards wisely to help you save money and manage your finances effectively.
