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What Are the Best 24-Month Zero Interest Credit Cards?

John ShahidiVerified
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Summary：Looking for credit cards with zero interest for 24 months? Check out these top options, including Discover it Cash Back, Chase Freedom Unlimited, and Citi Rewards+. Learn how to save money and avoid fees with these cards.

In today's world, credit cards have become an essential part of our lives. They offer us a convenient way to pay for our purchases and can also help us build our credit score. However, with so many credit cards available in the market, it can be challenging to choose the right one. If you are looking for a credit card with zero interest for 24 months, we have got you covered. In this article, we will discuss some of the best 24-month zero interest credit cards.

Discover it Cash Back

Discover it Cash Back is a popular credit card that offers zero interest for 14 months on purchases and balance transfers. However, if you are a new cardmember, Discover will match all the cashback you've earned at the end of your first year. This means that if you earn $300 cashback in your first year, Discover will match it, giving you a total of $600 cashback.

Chase Freedom Unlimited

Chase Freedom Unlimited is another popular credit card that offers zero interest for 15 months on purchases and balance transfers. It also comes with a cashback program that offers 1.5% cashback on all purchases. Plus, if you spend $500 in the first three months of opening the account, you can earn a $200 cashback bonus.

Citi Rewards+

Citi Rewards+ is a unique credit card that offers zero interest for 15 months on purchases and balance transfers. It also comes with arewards programthat offers 2x points on all supermarket and gas station purchases up to $6,000 per year. Additionally, Citi Rewards+ rounds up your rewards to the nearest 10 points on every purchase.

Wells Fargo Platinum Card

Wells Fargo Platinum Card offers zero interest for 18 months on purchases and balance transfers. It also does not charge an annual fee, making it a great option for those looking to save money on credit card fees. However, it does not offer any rewards program.

American Express Blue Cash Everyday Card

American Express Blue Cash Everyday Card offers zero interest for 15 months on purchases and balance transfers. It also comes with a rewards program that offers 3% cashback at U.S. supermarkets up to $6,000 per year and 2% cashback at U.S. gas stations and select U.S. department stores. Additionally, if you spend $1,000 in the first three months of opening the account, you can earn a $250 cashback bonus.

Tips for Applying for a Credit Card

When applying for a credit card, it is essential to understand the terms and conditions of the card. Make sure to read the fine print and understand the interest rates, fees, and rewards program. Additionally, it is crucial to have a good credit score before applying for a credit card. A good credit score can increase your chances of getting approved for a credit card and can also help you get better interest rates and rewards.

Saving Money with a Credit Card

Credit cards can also help you save money if used correctly. Make sure to pay your balance in full every month to avoid interest charges. Additionally, take advantage of the rewards program and use your credit card for purchases you would make anyway, such as groceries and gas.

Avoiding Credit Card Fees

Credit cards can come with various fees, such as annual fees and balance transfer fees. Make sure to choose a credit card that does not charge an annual fee and avoid balance transfers unless necessary. Additionally, make sure to make your payments on time to avoid late fees.

Credit Card Companies Recommendations

When choosing a credit card, it is essential to choose a reputable credit card company. Some of the top credit card companies include American Express, Chase, Citibank, and Discover. Make sure to research the credit card company's reputation and customer service before applying for a credit card.

Conclusion

In conclusion, there are many credit cards available that offer zero interest for 24 months. Make sure to choose a credit card that fits your needs and has a good rewards program. Additionally, make sure to have a good credit score and understand the terms and conditions of the card. By following these tips, you can make the most out of your credit card and save money in the long run.

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