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Zero-APR Credit Cards

When you don’t have enough money available at once to make a purchase, having a credit card comes in handy. You will end up paying more for the products by the time you pay off your credit card by using high interest cards. The best credit cards to apply for are the ones that offer 0% APR. The 0% APR is usually only offered for an appropriate amount of time. This is beneficial if you are considering making a big purchase. For example, you may be thinking about updating your fridge or other furniture. When you have a credit card with 0% APR, it can really help you make large purchases without staying in debt forever. Continue reading for more information about credit cards that offer 0% APR.

Top 3 Credit Cards with 0% APR Offers Capital One Venture One Rewards Credit Card Citi Simplicity Credit Card Chase Freedom Unlimited Capital One Venture One Rewards Credit Card For those that would like to pay off their credit card debt in just one year, the Capital One Venture Rewards Credit Card may be the perfect option for you. An intro rate of 0% APR is offered for 12 months. The APR will go up between 12.9%-22.99%-after the first year. Every time you make a purchase, you will receive a reward. For every dollar you spend you are entitled to 1.25 miles . You will also be able to earn an into bonus of 20,000 miles after spending $1,000. There are no blackout dates when you use your miles. You can choose to use them at any time. The best part is that Capital One will not charge you extra like other credit card companies for foreign transaction fees if you decide to go to Europe for the summer. Capital One credit cards also are equipped with the Chip. The Chip helps to keep you secure from theft and fraud. Highlights:

  • 12 months 0% APR introductory offer
  • 20,000 mile bonus after first $1000 spent
  • No blackout dates when traveling
Citi Simplicity Card The Citi Simplicity Card is for you if you do not want to worry about late fees ever. If you do not get paid until Friday, and your credit card payment is due on Wednesday, you will not have to worry about high fees and penalties. The Citi Simplicity Credit Card offers a 0% APR for the first 21 months. The APR will then go up anywhere between 14.99%-24.49% after the 21-month period is over. You will be able to call and set up your own payment schedule if you are ready to take advantage of being interest free for 2 years. If you want to transfer the balance of another credit card or a different loan to this card, you will be charged a fee of $5 or 3% depending on the amount that is greater. You will also be able to take advantage of Citi Identity Theft Solution’s quick and hassle-free customer service. Highlights:
  • No late fees or penalty fees
  • 21 months 0% APR introductory offer
  • Balance transfer fee of only $5 or 3%
Chase Freedom Unlimited For those that do not want to pay an annual fee and also take advantage of a low intro rate, the Chase Freedom Unlimited is a great choice. For the first 15 months you can count receive 0% interest rates on all your purchases. At the end of the 15-month period, your interest rate will go up anywhere between 15.99%-24.74% APR. As soon you make your first $500 worth in purchases, you will receive a $150 bonus. You will also receive an additional $25 when you add a second person as an authorized user on your account. In order to receive the $25, they will need to make a purchase within the first 3 months. Smart Chip security, theft protection, liability protection, and purchase protection are a few benefits offered. You will be able to receive 120 days of purchase protection up to $500 per claim if you experience either theft or damage to your merchandise. With the auto rental protection benefit, if you decide to pay for the vehicle with your Chase Freedom card and waive the rental insurance, your rental will be covered from both collision and theft. Highlights:
  • No annual fee
  • 15 months 0% intro APR
  • $150 bonus after first $500
Conclusion It’s beneficial to have a credit card to make large purchases with. Check for cards that offer 0% APR at least for the first year to avoid paying interest. Rewards and bonuses are also offered through some credit cards and can be beneficial for traveling or spending extra money.


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