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What Are the Best Zero Percent Credit Cards Available?

John ShahidiVerified
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Summary：Looking for a credit card with zero percent interest? Read on to discover the best options available and what to consider when choosing one.

Zero percent credit cards are a popular choice for people who want to save money on interest charges while they pay off their debt. These cards offer a promotional period during which no interest is charged on purchases or balance transfers. But with so many credit cards available, it can be tough to figure out which ones are the best. In this article, we’ll take a closer look at some of the best zero percent credit cards available and what you should consider when choosing one.

What Are Zero Percent Credit Cards?

Zero percent credit cards are credit cards that offer an introductory period during which no interest is charged on purchases or balance transfers. This period can last anywhere from a few months to a year or more. After the promotional period ends, the interest rate on the card will go up to the standard rate. Zero percent credit cards can be a great way to save money on interest charges, but it’s important to read the fine print and understand the terms and conditions before applying.

What Should You Consider When Choosing a Zero Percent Credit Card?

When choosing a zero percent credit card, there are several factors to consider. First, you should look at the length of the promotional period. The longer the period, the more time you’ll have to pay off your debt without accruing interest. You should also consider any balance transfer fees that may apply. Some cards charge a fee for transferring a balance from another card, which can eat into your savings.

Another factor to consider is the standard interest rate on the card. After the promotional period ends, the interest rate will go up. You’ll want to make sure that the standard rate is competitive and that you’ll be able to pay off your balance before the rate goes up. Finally, you should look at any other fees or rewards that the card offers. Some cards come with annual fees, while others may offer cash back or rewards points.

What Are Some of the Best Zero Percent Credit Cards Available?

Now that we’ve looked at what to consider when choosing a zero percent credit card, let’s take a closer look at some of the best options available.

Chase Freedom Unlimited

The Chase Freedom Unlimited card offers a 0% introductory APR for the first 15 months on purchases and balance transfers. There is no annual fee, and the card offers 1.5% cash back on all purchases.

Citi Simplicity

The Citi Simplicity card offers a 0% introductory APR for the first 18 months on purchases and balance transfers. There are no late fees or penalty rates, and there is no annual fee.

Discover it Cash Back

The Discover it Cash Back card offers a 0% introductory APR for the first 14 months on purchases and balance transfers. The card offers 5% cash back on rotating categories and 1% cash back on all other purchases.

Final Thoughts

Zero percent credit cards can be a great way to save money on interest charges while paying off your debt. When choosing a card, it’s important to consider the length of the promotional period, any balance transfer fees, the standard interest rate, and any other fees or rewards that the card offers. With so many great options available, it’s important to do your research and choose a card that’s right for you.

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