What are the Best 0% APR Credit Cards for 21 Months?

Credit cards are an essential tool for managing your finances and building credit. However, not all credit cards are created equal. Some offer better rewards, lower interest rates, or longer introductory periods for 0% APR. In this article, we will focus on the best 0% APR credit cards for 21 months.

What are 0% APR credit cards?

0% APR credit cards allow you to make purchases without paying any interest for a certain period of time. This can be a great way to finance a large purchase or pay off existing debt. However, it is important to make sure you pay off your balance before the introductory period ends, as the interest rate will increase significantly after that.

The best 0% APR credit cards for 21 months

1. Citi Simplicity Card - This card offers a 0% APR on purchases and balance transfers for 21 months. It also has no late fees or penalty APRs, making it a great option for those who value simplicity and flexibility.

2. Chase Freedom Unlimited - This card offers a 0% APR on purchases and balance transfers for 15 months, but also offers cashback rewards of up to 5%. This can be a great option for those who want to earn rewards while still enjoying a 0% APR.

3. Discover it Cash Back - This card offers a 0% APR on purchases and balance transfers for 14 months, but also offers cashback rewards of up to 5%. It also has no annual fee and offers free FICO credit scores, making it a great option for those who want to build credit while earning rewards.

Tips for using 0% APR credit cards

When using a 0% APR credit card, it is important to pay off your balance before the introductory period ends. This will help you avoid paying any interest and ensure that you do not end up with a large balance that you cannot pay off. It is also important to be aware of any fees associated with the card, such as balance transfer fees or annual fees.

Saving money with credit cards

In addition to offering 0% APR, credit cards can also help you save money in other ways. Some cards offer cashback rewards or points that can be redeemed for travel or other rewards. Others offer discounts on purchases at certain retailers or for certain types of purchases, such as gas or groceries.

Avoiding credit card fees

Credit card fees can add up quickly if you are not careful. To avoid fees, make sure you pay your bill on time and in full each month. You should also be aware of any fees associated with balance transfers, cash advances, or foreign transactions.

Choosing the right credit card company

When choosing a credit card, it is important to research the different options available and choose a company that offers the features and benefits that are most important to you. Some companies offer great rewards programs, while others focus on low interest rates or flexible payment options. By doing your research and choosing the right company, you can ensure that you are getting the most out of your credit card.