Best 0% Introductory APR Credit Cards for 2021
Credit cards are a great tool for covering the cost of purchases, but this blessing can quickly become a curse if not paid off quickly enough. Luckily, some of the best cards on the market offer zero interest on new expenditures. These cards can even help consolidate lingering debt onto one interest-free card.
It can be a really smart move to open a 0% APR credit card, but it is essential to use it responsibly. Here are some top 0% APR cards out there. Just keep in mind this 0% APR won’t last forever!
The Chase Freedom FlexSM card offers 15 months of 0% APR on purchases and balance transfers, but also has a quarterly rotating cash back categories as well as 5% cash back on travel purchased through Chase, 3% on dining and 1% on all other purchases. Another bonus of this card is that there’s no annual fee.
Similar to Chase’s other offerings, the Chase Freedom Unlimited® card has 0% APR on all purchases for the first 15 months of use. In addition, earn 5% back on travel purchased through Chase, 3% on dining and 1.5% on all other purchases. This card also has no annual fee.
Capital One® Quicksilver® Cash Rewards
Like the other offerings on this list so far, the Capital One® Quicksilver® Cash Rewards card offers a 0% APR introductory rate on purchases for the first 15 months. You’ll additionally get 1.5% cash back on every purchase, no matter what it may be. There is no annual fee on this card.
The Citi® Diamond Preferred® Card offers an impressive introductory 18 months of 0% APR on not only purchases but also balance transfers. The card doesn’t offer much else in the way of perks at this time, but it’s worth checking out for the APR deal alone. It doesn’t have an annual fee, either.
Blue Cash Everyday® Card from American Express
Thie Blue Cash Everyday® Card from American Express sees the 15 months of 0% APR and raises things to a whole new level. You’ll also get a whopping 20% back on Amazon purchases (up to $200), 3% back at supermarkets, 2% back at gas stations and some department stores, and 1% back on everything else. As with other cards on this list, it has no annual fee.
The Discover it® Cash Back card only offers 14 months of 0% APR (which is still nothing to laugh at), but Discover will match all the cash back you’ve earned during your first year of using the card. They also have quarterly deals that offer 5% cash back at select stores and you’ll still earn 1% cash back everywhere else. There’s no annual fee for this card.
