The Best Credit Card 0 Interest – Become Financially Smart Right Now
A credit card 0 interest might just be what you need right now. If you are an employee, then you probably know how beneficial credit cards can be. They are a great asset that can help you finance new purchases or consolidate old debt. And luckily for a lot of us, you will be able to find many credit cards out there that offer no interest, whether on balance transfers, new purchases, or even both.
Why Should I Get a 0% Interest Credit Card?
You might still wonder whether or not it is financially smart to open up a credit card. And the answer to that depends on what kind of credit card that you are opening. Opening a 0% interest credit card is a very smart financial move, especially if you use it responsibly. Many credit cards out there even offer 0% on new purchases for up to 20 months, which can be very beneficial to you.
Opening a 0% credit card can be a game-changer, especially since you are going to be able to add up to your savings. If you have a high-interest credit card, you will have to pay a large number of interest charges, which can be a downer to your balance. So, if you are trying to make a large purchase or are trying to unload the debt on an existing credit card, then a 0% interest credit card can be the perfect solution.
The Best 0% Interest Credit Card
Choosing the best credit card 0 interest can be a very challenging task, especially if you know nothing about credit cards. And this is a very tricky part since there is a possibility that you end up with a high-interest credit card. You do not want that at all for your financial situation.
When it comes to choosing the best credit card for you, you have to consider many factors. Of course, you need to do a lot of research before you can decide which 0% interest credit card that you want to get. You have to make sure that the credit card offers many features that will be very beneficial to you.
Sounds pretty hard, right? Well, you do not have to worry. We are here to recommend you the most reliable credit card 0 interest that you can find out there as well as their pros and cons. So, just sit back, relax, and let us tell you everything you need to know about the best 0% interest credit cards that you can easily apply for.
US Bank Visa Platinum Card
One of the most important factors that you need to consider before getting a 0% interest credit card is the duration of the intro APR. Many credit cards out there have a 0% intro APR for up to 12 months. You can even find a credit card 0 interest 24 months, which is pretty impressive.
The US Bank Visa Platinum Card offers a 0% interest feature for 20 months, which is a very long time. This is a very beneficial feature that will let you make new purchases or balance transfers. You will not need to pay annual fees for the purchases that you make. This card also offers a cell phone protection plan that you can take advantage of.
Unfortunately, this best credit card 0 interest does not have any rewards program. Aside from that, you will need to pay 2-3% fees for foreign transactions. Once you open up this account, you also need to transfer the balances within 60 days.
Citi Double Cash Card
Another credit card 0 interest that you might want to consider is the Citi Double Cash Card. This card is fantastic because of several things. These things include a long intro period for balance transfers and a simple cash back program as a reward program that can be beneficial to you.
The Citi Double Cash Card is a credit card 0 interest 18 months that you can easily apply for. Of course, you need to have excellent credit to be able to be approved for this credit card. However, it will be worth it, considering the many features that you will be able to enjoy from this 0% interest credit card.
With this credit card, you can get a 2% cash back on all purchases that you make. This cash-back program is also very simple and straightforward. You do not need to make any activation to be able to immediately enjoy this cash-back reward program. The fact that the intro period for balance transfers is 18 months is also very beneficial to you since that is quite a long time.
Sadly, the Citi Double Cash Card does not offer any welcome bonus. This means that you will not be able to maximize the rewards during the first few months after you open up the card. Aside from that, the minimum redemption for the cash back is $25. Lastly, every purchase that you make outside of the US will be charged a 3% fee.
Citi Simplicity Card
Next, you might want to consider getting the Citi Simplicity Card, which is the next 0% interest credit card that we have on our list. There are so many reasons why you might want to apply for this credit card. Among those reasons, the 18-month intro period for both balance transfers and new purchases probably stands out.
The Citi Simplicity Card is a great credit card 0 interest because it offers you zero annual fee. You can also decide to transfer balances within 4 months since you open the account. This is a very long period compared to many other credit cards. With this feature on top of the 18-month intro period, this credit card seems to offer quite an impressive deal.
However, the City Simplicity Card also has its flaws. One of those flaws is a 3% fee for foreign transactions. And just like the US Bank Visa Platinum Card, this credit card also does not offer any reward program that can benefit you.
Wells Fargo Platinum Card
The last 0% credit card that we have on our list is the Wells Fargo Platinum Card. Just like Citi Simplicity Card and Citi Double Cash Card, this 0% interest credit card also has an 18-month intro period that you can enjoy. Other than that, you will also find many other features of this card that can be very beneficial to you.
The Wells Fargo Platinum Card might be the best credit card 0 interest for you because of its simple features. First of all, it does not require you to pay any annual fee. Second of all, the 18-month intro APR period is for both purchases and balance transfers. And what stands out about this card is the fact that you can transfer balances within 120 days since you open this credit card account.
Unfortunately, the Wells Fargo Platinum Card does not offer any reward program. You will also have to pay a 3% fee for any foreign transaction that you are trying to make. But other than that, this credit card can be the perfect 0% interest credit card for you. All you need to do now is to choose the most suitable credit card 0 interest that can fulfill all of your needs.
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