4 Credit Card Providers That Offer Credit Card Zero Interest for Travelers and Shopaholics
A credit card zero interest program means that credit card users don’t have to pay interest for a certain amount of time. Most credit card providers often offer a zero-interest program between 12 and 21 months. The terms and conditions will be back to the regular ones once the zero interest rate runs out. Here, we give you several credit cards with zero interest rates.
Amex every day is one of the most popular credit cards with zero interest or 0 percent APR. Users will receive this facility for up to 15 months. Plus, the provider also gives a welcome bonus of up to 10.000 membership rewards points after users make $1.000 in purchases.
They give this bonus for the first three months. The interest rate will go back to 12.99 percent to 23.99 percent after 15 months. This credit card is suitable for users who love to travel abroad, shopping, or buying tickets.
No annual fee is another benefit you get when you are using Amex EveryDay. This credit card also supports its users with Amex send and split. This service helps you to send money and split purchases with Venmo and PayPal users via the Amex app.
The provider is also ready with a fraud protection program. Call customer service once you see fraudulent charges. The provider even makes its users easy to call customer service by providing the number on the back of the card.
The app helps the users a lot to get the latest information, including offers, rewards, fraud alerts, and many more. There is also a service known as Pay It Plan It. This service helps you to control the way you pay. Pay It is useful for a purchase under $100. You can pay it at the end of the month. Plan It is good for a purchase of more than $100, so you can split them up into monthly payments, along with a fixed monthly fee and without interest.
American Express also facilitates Amex every day with a year-end summary. This feature helps to review your annual spending. It seems that this credit card gives a high foreign transaction fee in which users have to pay a 2.7 percent fee. Overall, this credit card gives good services and facilities that travelers or shopaholics need.
Capital One SavorOne
Capital One is one of the providers that also introduced a credit card zero interest program. Like Amex every day, SavorOne gives 0 percent introductory APR for the first 15 months. On the other hand, the regular APR of SavorOne is lower than Amex EveryDay.
You only have to pay for about 15.49 percent to 25.49 percent once the introductory APR ends. This credit card also gives a welcome bonus in which users earn $150 cash rewards after spending $500 in the first 3 months.
You can take this credit card if you love to go to groceries, restaurants, and traveling. Let’s say you get rewards when you are dining out or use this card at restaurants. You can even get 4 percent cash back on dining and entertainment after spending $3.000 with this credit card.
The provider supports the users with interesting cash-back deals in the first year. Users are about to enjoy from 1 percent up to 3 percent of cashback deals from this credit card. Plus, you are allowed to join exclusive and premium events, including the iHeartCountry Festival or the Capital One JamFest.
Users can use this credit card without paying the annual fee and foreign transaction fee. Users still have to pay the balance transfer fee only in the promotional APR period. You don’t need to pay it anymore when the deal ends and back to the regular APR.
3 percent fee for promotional balance transfer deals may be too high. This is the drawback of this credit card. The provider may check your credit history and score first to get a SavorOne credit card. Only users with good to excellent credit who are qualified to use a SavorOne credit card. Despite the drawback, you can still enjoy a lot of benefits as long as you follow the requirements while using this credit card.
American Express Cash Magnet Card
You can also use the American Express Cash Magnet Card to get 0 percent interest rate for the first 15 months. Besides getting an interesting introductory interest rate deal, you also earn a $150 statement credit welcome bonus.
Make sure that you have spent $1.000 for the first three months before claiming this welcome bonus. This credit card offers 13.99 percent to 23.99 percent APR once the introductory interest rate deal ends. American Express Cash Magnet Card is good for travelers because the service includes car rental loss insurance, damage insurance, and a global assist hotline 24/7.
The features and facilities of this card work well when you are using it for buying presale tickets and exclusive events. Like most American Express credit cards, the provider gives interesting additional services, including send and split, fraud protection, Pay It Plan It, and year-end summary.
The difference between the Cash Magnet Card and Amex every day is that you can track cashback by using Cash Magnet Card. This feature helps to access your account online right away, get the latest information on rewards, dollar balance, spending, and other things.
This credit card has high payment flexibility whether by using interest or paying in full each month. The most important thing is that you will continue to earn rewards. The flexibility of the card is not on the payment option but also acceptance.
Nowadays, users can use American Express Cash Magnet Cards at 99 percent of places in the USA that accept credit cards. The drawback is that you still have to pay the foreign transaction fee of 2.7 percent when you are using this credit card outside the U.S. You also have to achieve a minimum redemption of $25 to get cashback. Indeed, American Express Cash Magnet Card is a credit card to use.
Chase Freedom Unlimited
Chase Freedom Unlimited credit card is another alternative for those who want to use a credit card with 0 percent APR. Like the three references above, this credit card also offers this introductory APR for the first 15 months.
Then, users will get 14.99 percent to 23.74 percent regular APR when the intro APR ends. It is a great option if you often spend up to $500 because this credit card gives $200 cash-back if you do it in the first three months.
Users can enjoy from 1.5 percent to 5 percent cash back by using the card for a variety of purchases. Some credit cards may give expired time for the cashback bonus, but Chase Freedom Unlimited doesn’t.
You will get cashback rewards as long as your account is open and active. It is also a chance for credit card users to use a credit card with no annual fee. Chase Freedom Unlimited credit card is suitable for travelers, people who are often dining at restaurants or on drugstore purchases.
Nowadays, this credit card has a partnership with several popular brands, including DoorDash and Lyft Rides. The provider even gives several protections for the users, such as purchase protection, zero liability protection, extended warranty protection, fraud monitoring, and many more.
Travelers also get benefits if there is a trip cancellation or interruption insurance from this credit card. This credit card can also help users who have a problem while traveling abroad. You only have to call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance.
Users are concerned about the cashback bonus, especially on the non-bonus category purchases. Most of them often get a below-average 1.5 percent cashback bonus in this category. This credit card has a high foreign transaction fee since users have to pay a 3 percent fee for their foreign transactions.
Now, you have at least 4 providers that offer a credit card zero interest program. Read the details carefully before applying for a credit card. Make sure that the credit card is suitable for you and covers all your needs.
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