Zero Interest Credit Cards
What are the best zero interest credit cards and how do you apply online? Today we are going to take you through some of the top 0% no interest offers. If you want either a 0 APR balance transfer card for up to 18 months or a low interest card for a major purchase, see our breakdown below.
Are There 0% Interest Credit Cards For Up To 18 Months?
Yes, they can sometimes take some searching to find them but they are out there. See our breakdown below of the top credit cards for balance transfers or purchases that have zero interest introductory offers.
Chase Slate Credit Card
The Chase Slate card is our favorite for balance transfers. The key reason is that it has no balance transfer fee. This is a big deal due to the fact you could pay up to 5% of the amount you are transferring due to this fee. The Slate credit card also has zero interest for 15 months and no annual fee.
Citi Simplicity® Card
When looking to make a major purchase with your credit card, it is a smart idea to get a 0% credit card offer. One of the best is the Simplicity credit card offer. This credit card has a 0% interest rate for up to 21 months. This is hard to beat and lets you pay back your purchase at zero percent for almost 2 years.
Citi® Double Cash Card
The Double cash card has a zero interest rate on balance transfers for 18 months. If you are wanting a card you can also use for cash back, it is a really good cash back credit card.
You will earn 1% rewards on all your purchase when you buy and another 1% cash back when you pay your bill. This is why they call it the double cash card.
How Do I Apply For Zero Interest Credit Cards?
You can compare offers on any credit card comparison site and visit the secure online application.
Most of the 0% interest credit card offers will have no annual fees. The primary thing to check if you are going to utilize it as a balance transfer credit card is the fee. Most balance transfer fees range from 3 – 5% of the amount your are transferring.
If your zero interest card is for major purchases try to get cash rewards also as they can add up. You can be leaving money on the table if you are not looking at earning cash back rewards on those big purchases. Not only are you getting a 0 APR for 18 to 21 months on those purchases, but you will also get cash back in a check.
If used correctly zero interest credit cards can be a pretty sweet deal.