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What Are the Best Cash Back Credit Cards with 0% APR?

Eva MarcilleVerified
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Summary：Discover the best 0% APR cash back credit cards and earn rewards while saving money on interest charges. Choose a card that aligns with your spending habits and financial goals.

Cash back credit cards are a popular choice for consumers who want to earn rewards while making purchases. But what if you could also enjoy an introductory 0% APR on purchases andbalance transfers? In this article, we will take a closer look at the best cash back credit cards with 0% APR.

Chase Freedom Unlimited

The Chase Freedom Unlimited card offers a flat cash back rate of 1.5% on all purchases. For a limited time, new cardholders can also enjoy a 0% APR on purchases and balance transfers for 15 months. After the introductory period, the variable APR will be between 14.99% and 23.74%.

Citi Double Cash

The Citi Double Cash card is a great option for those who want to maximize theircash back rewards. Cardholders earn 1% cash back on purchases and an additional 1% cash back when paying off those purchases, for a total of 2% cash back. The card also offers a 0% APR on balance transfers for 18 months. However, there is a balance transfer fee of 3% (minimum $5).

Discover it Cash Back

The Discover it Cash Back card is known for its rotating bonus categories that offer 5% cash back on up to $1,500 in purchases each quarter. All other purchases earn a flat 1% cash back. New cardholders can enjoy a 0% APR on purchases and balance transfers for 14 months. After the introductory period, the variable APR will be between 11.99% and 22.99%.

Wells Fargo Cash Wise Visa

The Wells Fargo Cash Wise Visa card offers a flat cash back rate of 1.5% on all purchases. New cardholders can enjoy a 0% APR on purchases and balance transfers for 15 months. After the introductory period, the variable APR will be between 14.49% and 24.99%. The card also offers cell phone protection when you pay your monthly bill with the card.

Tips for Applying for a Cash Back Credit Card

When applying for a cash back credit card, it is important to consider your spending habits and financial goals. Look for a card that offers rewards in categories that align with your spending, such as gas or dining. Also, be aware of any annual fees and make sure they are worth the rewards you will earn.

To maximize your cash back rewards, pay your balance in full each month to avoid interest charges. Additionally, take advantage of any sign-up bonuses and bonus categories to earn even more rewards.

Make sure to read the terms and conditions carefully, especially regarding the introductory APR period and any balance transfer fees. Finally, only apply for credit cards that you are confident you can manage responsibly to avoid any negative impacts on yourcredit score.

Conclusion

Cash back credit cards with 0% APR can be a great way to earn rewards while also saving money on interest charges. Consider your spending habits and financial goals when choosing a card, and be sure to read the terms and conditions carefully to avoid any surprises. With responsible use, a cash back credit card can be a valuable tool for building credit and earning rewards.

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