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A variable APR of Raise your credit limit. Click the card name to read our review. You'll be hard-pressed to find a longer interest-free promotion, and it applies to both purchases and balance transfers. Read our review. And that's about it. Our pick for: Ongoing cash back. Now it's even better, with bonus rewards on travel booked through Chase, as well as at restaurants and drugstores. Our pick for: B onus category cash back.

And unlike competitors, there's no activation schedule or bonus calendar to keep track of. Our pick for: Highest flat-rate cash back. Our pick for: Flat-rate cash back. The original 1. Our pick for: G rocery and gas rewards. Category activation can be a hassle, but if your spending matches the categories — and for a lot of people, it will — you can rack up hundreds of dollars a year.

In past years, those categories have included common spending areas like grocery stores, restaurants, gas stations and Amazon. Category activation can be a hassle, but if your spending aligns with those categories and for most households, it probably will , you can rake in serious rewards. You also get the issuer's signature "cash-back match" bonus in your first year.

Our pick for: Customizable cash back. If you don't mind putting some work into your rewards, check out the U. It might be the most customizable cash back card available. There's a good bonus offer for new cardholders, too.

By Funto Omojola , NerdWallet. The annual percentage rate, or APR, is the interest rate your credit card issuer charges on any debt you carry on your card. Some cards charge a single rate for all debt on the card; others charge different rates for different kinds of debt purchases, cash advances, etc.

APRs are listed on your monthly credit card statement. That zero percent rate may apply to purchases, balance transfers or both, but it doesn't usually apply to cash advances. Issuers commonly set their rates at a certain number of percentage points above the prime rate, which is the rate big banks charge their best customers. Although interest rates are expressed in annual terms, they're usually charged on a daily basis.

An annual rate of That doesn't seem like much Most credit cards offer a "grace period" that allows you to avoid paying any interest at all. If you pay your balance in full each month, then you will not owe any interest on your purchases. If you carry debt over from month to month, then interest will start accruing on purchases as soon as they're posted to your account.

If you're what the credit card industry refers to as a "transactor" — someone who uses their card for convenience and rewards and pays the bill in full every month — then your APR is pretty much irrelevant, because you'll never pay a dime in interest. On the other hand, if you're a "revolver" — someone who uses cards to float purchases they can't pay off all at once and carries debt from month to month — then your APR is very important, because it dictates how much you pay in interest.

When you're talking about credit cards, there is no difference between your interest rate and APR. They're the same thing. That leads to another question: Why do credit card issuers refer to it as the "APR" rather than the interest rate?

Mostly because federal truth-in-lending laws require it. With some financial products, such as mortgages, the APR can be significantly different from the stated interest rate. Those other charges are not included in the credit card APR calculation, in large part because issuers cannot predict who will have to pay them or how much they will pay.

Once that introductory period runs out, interest will be charged at the ongoing APR — but only on your balance going forward. There is no "retroactive" interest.

Zero-percent periods on credit cards are different from the "no interest for 12 months" offers you see in stores.

Those are what's known as "deferred interest. If you have any balance remaining at the end of the period, you will be charged interest on your whole purchase, going all the way back to the time of purchase. That could cost you hundreds of dollars. Purchase APR. This is the rate your card charges when you pay for things with the card.

Most credit cards offer a grace period: If you pay your balance in full every month, you won't have to pay interest on purchases. If you roll over debt from one month to the next, then interest will start adding up on a purchase as soon as you make it. Balance transfer APR. This is the rate on debt that you've moved to the card from somewhere else. Cash advance APR. This is the rate charged when you use your credit card to get cash from an ATM.

Interest usually starts adding up on cash advances immediately. Grace periods don't apply. Introductory APR. Sometimes called a "teaser rate," this is a low interest rate offered when you first open your account. Ongoing APR. This is the "regular" rate that goes into effect once any introductory APR period expires. Variable APR. Most credit card interest rates are tied to the prime rate. When the prime rate goes up or down , your credit card's interest rate will usually go up or down an equal amount.

Many of the cards on this list are good for transfers, but check out our best balance transfer credit cards for further options. If you find you're consistently carrying a balance a from month to month, look for a card with a low ongoing interest rate.

Read the fine print before applying. If you expect that you'll be carrying a balance regularly, the ongoing APR is an important consideration. If you'll need to transfer a balance, this fee is an important consideration. Depending on the APR on the card you transfer the debt to and how long it takes you to pay it off, you could save more in interest than you pay in transfer fees.

A few cards charge no transfer fee. Of course, if you're only interested in purchases rather than transfers, this fee is irrelevant. Some cards even require excellent credit, generally defined as or better. It's important to pay your bill on time every month. If punctuality is an issue for you, look into a card's penalty policies and, for your own sake, work on your punctuality. Saving money is the primary reason to get a low-interest credit card, so you shouldn't be paying an annual fee on such a card.

Most major credit card issuers and many smaller ones give cardholders free access to a credit score. When you're looking to manage debt with a low-interest card, it's smart to keep an eye on your score. When you're using the card to finance a big purchase, those benefits can amount to an instant discount on the purchase. With any card, watch your balance. Looking to transfer a balance to save money? Our roundup of the best balance transfer cards evaluates cards — including many of the cards on this page — with that specific goal in mind.

You might not. If you pay your balance in full every month, the APR on your credit card doesn't matter, because you're never actually charged interest. In that case, consider a rewards credit card , which gives you a little something back very time you make a purchase.

Rewards cards fall into two major categories: cash back credit cards and travel credit cards. On the other hand, if you're prone to carrying a balance from month to month, you might be better off with a card that has a low ongoing interest rate. Learn how NerdWallet rates credit cards. Zero-percent cards are good for people who want to spread out payments on a large purchase or gain breathing room to pay down debt without interest.

That roughly translates to a credit score of or better — although credit scores alone do not guarantee approval for any credit card. That's 6. Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits. Unlimited 1. You'll need to come up with a plan to pay off credit card debt. The amount you need to pay each month in order to have a zero balance at the end of the intro period depends on the length of the intro period.

If you don't, expect to be hit with the regular purchase APR. And if you have a store card , you could be hit with a bill for all the interest you accrued since the date you made your purchase or transfer known as deferred interest. None of the cards on this list charge cardholders deferred interest. Learn more: 5 things to do once your balance transfer is complete.

After you determined which credit card you want to apply for, compare cards by these key factors:. These cards can help you consolidate credit card debt with a balance transfer, pay for new purchases over time without incurring interest charges or both. Balance transfer credit cards may set a limit on the amount of debt you can transfer, which is often less than your overall credit limit. In general, the lower your credit score, the higher your interest rate will be.

Using the extra cash you save not paying interest can help you pay down your debt faster, lower your credit utilization and increase your credit score. A no-interest credit card is a great tool for financing new purchases, but you need to be careful how you use one.

Keep in mind that you'll need to make minimum payments on your balance and pay it off in full before the intro period ends to avoid interest. The simplest way to avoid interest charges on a credit card is to pay your balance in full by the due date. Once the intro period ends, any lingering balances or new purchases and transfers will incur the regular APR.

However this dip is temporary and you're credit score should rise in a few months. However, if you use a large amount of your credit line on your card for either purchases or a balance transfer, your credit utilization ratio could rise and cause a more significant drop in your credit score.

You can receive an intro APR extension of up to three months with on-time minimum payments during the intro and extension periods. After the introductory period, the interest rate will increase to Balance transfers made within days qualify for the intro rate and fee. However, needlessly holding onto debt is never a good idea, so be sure to have a plan in place to pay off any debt you have. To determine which credit cards offer the best value, Select analyzed of the most popular credit cards available in the U.

We compared each card on a range of features, including rewards, welcome bonus, introductory and standard APR, balance transfer fee and foreign transaction fees, as well as factors such as required credit and customer reviews when available. We also considered additional perks, the application process and how easy it is for the consumer to redeem points.

Select teamed up with location intelligence firm Esri. The company's data development team provided the most up-to-date and comprehensive consumer spending data based on the Consumer Expenditure Surveys from the Bureau of Labor Statistics. You can read more about their methodology here. General purchases include items such as housekeeping supplies, clothing, personal care products, prescription drugs and vitamins, and other vehicle expenses.

Select used this budget to estimate how much the average consumer would save over the course of a year, two years and five years, assuming they would attempt to maximize their rewards potential by earning all welcome bonuses offered and using the card for all applicable purchases.

All rewards total estimations are net of the annual fee. While the five-year estimates we've included are derived from a budget similar to the average American's spending, you may earn a higher or lower return depending on your shopping habits.

Skip Navigation. Select Logo. Follow Select. Our top picks of timely offers from our partners More details. See if you're approved for a loan. Rocket Mortgage. Select is editorially independent.

 

Zero percent apr credit card offers.13 Best Balance Transfer & 0% APR Credit Cards of August 2022

 

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. However, credit score alone does not guarantee or imply approval for any financial product.

Cardholders start off receiving 18 months of a 0 percent intro APR on purchases and qualifying balance transfers from account opening then Read our full Wells Fargo Reflect Card review. This card is a top option for managing debt. Read our full U. Bank Visa Platinum Card review. Start zero percent apr credit card offers the introductory zero-interest offers on purchases and balance transfers for 15 months Then consider the Discover it Cash Перейти potentially lucrative cash back rewards program.

You can maximize the card's long-term value by activating the rotating categories every quarter and making bonus-eligible purchases. Read our full Discover it Cash Back card review. Put it to work as a cash back card that читать generous rewards of 3 percent cash back on dining, entertainment, popular streaming services and at grocery stores.

Read our full Citi Custom Cash Card review. Terms apply Earn unlimited 1. If you're looking for unlimited cash back rewards with a solid introductory APR offer читать далее purchases and balance transfers, the Capital One Quicksilver Cash Rewards Credit Card might be for you.

Earn at least 1. Factor in no annual fee and you have the potential for a low-cost addition to your wallet. The Wells Fargo Active Cash Card currently boasts one of the best flat cash rewards rates on the market. The Citi Diamond Preferred Card can be very functional in helping you temporarily avoid interest charges. It comes with one zero percent apr credit card offers the longest intro APR offers of any major credit card issuer.

You zero percent apr credit card offers also qualify for a very favorable regular APR if zero percent apr credit card offers have an excellent credit score. Read our full Citi Diamond Preferred Card review. This card provides an opportunity to earn cash back on purchases. The best features are the rewards rates at U. Read our full Blue Cash Everyday Card review.

Read our full Chase Freedom Unlimited review. Families that need some time to pay off a household expense can take advantage of month 0 percent introductory APR on purchases then This popular American Express card remains one of the best cards for U. If zero percent apr credit card offers looking for some temporary relief from credit card APR, the Citi Simplicity Card has one of the longest introductory APR offers on purchases and balance transfers out there.

It also has some low-cost features like no late fees or annual fee. Read our full Citi Simplicity review. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit /34465.txt. Underwritten by Amex Assurance Company. Learn more: Wells Fargo Reflect benefits guide. Read our full Wells Fargo Reflect Card review or jump back to offer details. Learn more: U. Bank Visa Platinum benefits guide. Read our U.

Bank Visa Platinum Card review or jump back to offer details. Read our full Discover it Cash Back review or jump back to offer details. Learn more: BankAmericard benefits guide. /22781.txt our full BankAmericard credit card review or jump back to offer details. Learn more: Citi Custom Cash vs.

Citi Diamond Preferred. Read our full Citi Custom Cash Card review or jump back to offer details. Read our full Citi Diamond Preferred Card review jump back to offer details. Read our full Chase Freedom Unlimited review or jump back to offer details. Learn more: Is the Citi Simplicity worth it? Read our full Citi Simplicity Card review or jump back to перейти на страницу details.

Learn more: Is the Discover it Balance Transfer card worth it? Read our full Discover it Balance Transfer review or jump back zero percent apr credit card offers offer details.

They go by different names — 0 percent APR credit cards, zero-interest credit cards, introductory APR credit cards — but they all have the same purpose: a 0 percent intro APR is a temporary break from interest charges as you steadily pay off large credit card purchases or balance transfers. Even worse, a penalty APR could apply if you have a late payment more than 60 days overdue. The good news is that you could use a credit cards 0 APR to temporarily receive no-interest to avoid the cost of interest charges during the introductory period before the regular, or ongoing rate takes effect.

A 0 percent intro offer may apply to new purchases, balance zero percent apr credit card offers or both. Want to learn more? Read our full guide читать статью how credit card interest works. When you open an account with a credit card issuer, they may offer zero percent apr credit card offers a 0 percent introductory APR period or no-interest financing on purchases made during that time frame.

Credit card companies will often offer this type of interest-free promotion for anywhere from 12 to up to 21 months. When your 0 percent intro APR offer ends, any balance that remains will start accruing interest at its regular rate — which can be anywhere between 12 percent and 25 percent or more annually — plus any other applicable fees or charges such as late payments.

The current average interest rate on a credit card is around 17 percent. A card with a 0 percent introductory APR period helps reduce your immediate financial burden and gives you time to pay for your purchases without any interest. If they have a card with no intro APR, they immediately start paying interest, increasing their overall payments. In comparison, with a zero-interest credit card, they only have to focus on the balance and have zero percent apr credit card offers monthly payments.

As interest rates continue to rise, the possibility of catching a break with a 0 percent APR card may start to become more appealing. Read our full guide on pros and cons of zero percent APR credit подробнее на этой странице. Consider one of these cards if you find yourself in the following situations. It could zero percent apr credit card offers an upcoming medical procedure not fully covered by health insurance.

Zero percent apr credit card offers you want to transfer a balance from a high-interest credit account? Alternately, you might be looking for a break from high APR on a credit card balance or loan.

In either case, a balance transfer credit card with a zero interest introductory offer can save you money. Just be sure to account for any applicable balance transfer fees. Note: If you tend to carry a balance, consider a low-interest credit card.

Still unsure if a zero-interest credit card is right for you? Check out our Credit Card Spender Type Download microsoft recording online where you can get personalized credit card recommendations based on your credit score, spending habits and daily needs.

Consider the following when choosing a 0 percent intro Нажмите чтобы узнать больше offer card. Are you looking to make a large purchase and want to use your 0 percent APR card to pay for it interest-free over time?

Then consider a card with a long introductory APR period. Whatever your goals are, keep them top of mind when deciding between 0 percent APR cards. A 0 percent APR card /18203.txt a temporary interest-free option zero percent apr credit card offers credit cards. Knowing what you can afford to pay back before the /27700.txt percent APR period ends is important because not all intro offers provide the same length of time. The best 0 percent APR cards typically offer cardholders between 15 and 21 months.

If your goal is just to pay down your debt without earning rewards, then choosing any zero-interest credit card will do just fine; however, if you want both a 0 percent introductory rate and rewards that are worth collecting over time, then it pays to do some research before applying for any new cards.

Though 0 percent intro APR offers are a great perk, there is a time limit on this benefit. When you are approved for a credit card, both your credit limit and ongoing interest rate your interest rate after your intro period ends are set by the issuer. The ongoing interest rate is often variable, meaning it can change or be different for different people depending on a number of factors. The issuer considers your credit score, payment history, number of open credit accounts and other information about your personal credit use — so the higher your credit score and the lower your credit usage, the lower your interest rate.

Try to focus on one factor that you жмите directly influence: your credit score. Generally, having a higher credit score means you can qualify for lower APR not only on credit cards but also on personal loans, auto loans, mortgages and other forms of credit. Make sure to monitor your credit score closely and look out for pre-approvals for zero-interest cards. Have more questions for our credit cards editors?

Feel free to send us an emailfind us on Facebookor Tweet us Bankrate. Bankrate uses a 5-star scoring system to evaluate the credit cards available from our partners. In selecting the cards featured on this page, we further refine the criteria to focus on qualities that define the best credit cards with 0 percent APR intro offers. For zero-interest cards, the longer the period without APR, the better. A longer intro period means more time for you to pay for a big purchase or pay off a transferred balance, whichever the case may be, without facing high APR charges.

   

 

11 Best 0% APR Credit Cards of August - NerdWallet

   

After that, Enrollment required. If you need to spread out payments on a purchase as long as possible without interest, the U. The card also offers cell phone protection if you use it to pay your wireless bill. After that, a variable APR currently Certain terms, conditions, and exclusions apply. The U. The long-term value of this card depends on your appetite for actively managing your rewards, since you have to choose your own bonus categories.

Still, a little effort can be very rewarding. Every purchase earns 1. Still, simplicity is a primary part of this card's appeal. No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn. A variable APR of Raise your credit limit. Click the card name to read our review. You'll be hard-pressed to find a longer interest-free promotion, and it applies to both purchases and balance transfers.

Read our review. And that's about it. Our pick for: Ongoing cash back. Now it's even better, with bonus rewards on travel booked through Chase, as well as at restaurants and drugstores. Our pick for: B onus category cash back. And unlike competitors, there's no activation schedule or bonus calendar to keep track of.

Our pick for: Highest flat-rate cash back. Our pick for: Flat-rate cash back. The original 1. Our pick for: G rocery and gas rewards. Category activation can be a hassle, but if your spending matches the categories — and for a lot of people, it will — you can rack up hundreds of dollars a year.

In past years, those categories have included common spending areas like grocery stores, restaurants, gas stations and Amazon. Category activation can be a hassle, but if your spending aligns with those categories and for most households, it probably will , you can rake in serious rewards.

You also get the issuer's signature "cash-back match" bonus in your first year. Our pick for: Customizable cash back. If you don't mind putting some work into your rewards, check out the U. It might be the most customizable cash back card available. There's a good bonus offer for new cardholders, too. By Funto Omojola , NerdWallet.

The annual percentage rate, or APR, is the interest rate your credit card issuer charges on any debt you carry on your card. Some cards charge a single rate for all debt on the card; others charge different rates for different kinds of debt purchases, cash advances, etc.

APRs are listed on your monthly credit card statement. That zero percent rate may apply to purchases, balance transfers or both, but it doesn't usually apply to cash advances. Issuers commonly set their rates at a certain number of percentage points above the prime rate, which is the rate big banks charge their best customers. Although interest rates are expressed in annual terms, they're usually charged on a daily basis.

An annual rate of That doesn't seem like much Most credit cards offer a "grace period" that allows you to avoid paying any interest at all. If you pay your balance in full each month, then you will not owe any interest on your purchases. If you carry debt over from month to month, then interest will start accruing on purchases as soon as they're posted to your account.

If you're what the credit card industry refers to as a "transactor" — someone who uses their card for convenience and rewards and pays the bill in full every month — then your APR is pretty much irrelevant, because you'll never pay a dime in interest. On the other hand, if you're a "revolver" — someone who uses cards to float purchases they can't pay off all at once and carries debt from month to month — then your APR is very important, because it dictates how much you pay in interest.

When you're talking about credit cards, there is no difference between your interest rate and APR. They're the same thing. That leads to another question: Why do credit card issuers refer to it as the "APR" rather than the interest rate? Mostly because federal truth-in-lending laws require it. With some financial products, such as mortgages, the APR can be significantly different from the stated interest rate. Those other charges are not included in the credit card APR calculation, in large part because issuers cannot predict who will have to pay them or how much they will pay.

Once that introductory period runs out, interest will be charged at the ongoing APR — but only on your balance going forward. There is no "retroactive" interest.

Zero-percent periods on credit cards are different from the "no interest for 12 months" offers you see in stores. Those are what's known as "deferred interest. If you have any balance remaining at the end of the period, you will be charged interest on your whole purchase, going all the way back to the time of purchase. That could cost you hundreds of dollars. Purchase APR. Related : Wells Fargo Reflect benefits.

Read our U. Related : Discover it Cash Back rewards and benefits guide. Related : Is the BankAmericard credit card worth it? Related : What credit score is needed for the Chase Freedom Unlimited card? Related : Citi Simplicity vs. Discover it Balance Transfer. When a bank issues a credit card, they charge the cardholder interest for borrowing money. After the promotional period has expired, the cardholder will be charged a different APR, which is considered the ongoing APR.

Cardholders may use a zero-percent intro APR card as a strategy for making a large purchase where they have several months to make interest-free payments or for transferring high-interest credit card debt so they can concentrate the entire monthly payment towards the balance.

You will typically find a zero-percent intro APR credit card offer for new applicants meeting the credit score criteria of the issuing bank. The zero-percent intro APR cards have a defined amount of time where the zero-percent APR offer lasts, which usually ranges anywhere from 12 to 21 months. The zero-percent intro interest offer may apply to purchases, balance transfers or both.

The goal of a zero-percent APR credit card is to save money, but exactly how long someone needs to pay off their credit card balance will depend on their financial situation. Cardholders should also note any missed payments during the promotional period could void the intro offer and possibly activate a penalty APR, which is typically higher than an ongoing APR and adds costly interest charges.

For more information, read our full guide on how 0 APR credit cards work. But it depends on a number of factors, including how much you owe, your current APR, and how long it takes you to pay off your balance. For example, what if you could pay off a balance in full using a credit card with a month APR offer? Keep in mind that if you do a balance transfer, most issuers charge a fee that will be added to total balance, which will cut into your total savings. Research methodology : We analyzed over 1, zero interest intro APR credit cards to identify some of the best offers on the market.

The major factors we considered were:. Other criteria used include other rates and fees, rewards rates, extra benefits and features, customer service, credit needed, ease of application and security features. There are some intro APR cards that accept lesser credit and even no credit history, but their offers are typically not as rich.

Our CardMatch tool can help direct you to credit card offers that best align with your credit profile. This depends on the cardholder and their habits. For those looking to pay off big purchases or emergency expenses, a 0 percent intro APR card is a good fit. It allows for steady payments over time without worrying about additional interest.

Therefore, this card may not be the best long-term card for those who tend to keep balances on their card from month to month. Both can impact your credit score so make sure you know when your introductory period ends. Because most credit cards in the U. Tracy Stewart. Tracy Stewart is a personal finance writer specializing in credit card loyalty programs, travel benefits, and consumer protections. He previously covered travel rewards credit cards, budget travel, and aviation news at SmarterTravel Media.

Jeanine Skowronski. Jeanine Skowronski is a credit card expert, analyst, and multimedia journalist with over 10 years of experience covering business and personal finance. Sally Herigstad. Sally Herigstad is a certified public accountant, author and speaker who writes about personal finance for CreditCards. Remove a card to add another to compare. Add at least 2 cards to compare.

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Apply now at Wells Fargo's secure site. Intro bonus No current offer. Regular APR Editor's take. Overall rating Our rating: 4. Introductory Offer: 5. Features: 1. Issuer Customer Experience: 2.

Pros The intro APR applies to purchases and qualified balance transfers. Bottom Line Anyone looking for a lengthy time period to pay off a new purchase or qualifying balance transfer should consider this Wells Fargo card to be a prime pick. Card details.

Intro APR extension of up to 3 months with on-time minimum payments during the intro and extension periods. An easy way to earn cash back while you shop, dine or enjoy an experience simply by using your Wells Fargo credit card. Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants.

Best for large purchases. Apply now at U. Bank's secure site. Introductory Offer 5. Rewards 0. Features 1. Issuer Customer Experience 3. Why we like this card This balance transfer card is a good choice for individuals looking to pay down debt or finance a larger purchase and pay it off within the interest-free period.

Pros The card carries no annual fee. Cardholders get a full 20 billing cycles before they start accruing interest on new purchases Cons This card has no rewards program to speak of. This card does not offer new cardholders a sign-up bonus. Bottom Line This card offers a generous introductory offer on both balance transfers and new purchases for cardholders committed to paying down a balance over time. Limited Time Offer!

After that, a variable APR currently Certain terms, conditions, and exclusions apply. Terms and conditions apply. Credit card issuers have no say or influence on how we rate cards. However, credit score alone does not guarantee or imply approval for any financial product. Cardholders start off receiving 18 months of a 0 percent intro APR on purchases and qualifying balance transfers from account opening then Read our full Wells Fargo Reflect Card review.

This card is a top option for managing debt. Read our full U. Bank Visa Platinum Card review. Start with the introductory zero-interest offers on purchases and balance transfers for 15 months Then consider the Discover it Cash Back's potentially lucrative cash back rewards program. You can maximize the card's long-term value by activating the rotating categories every quarter and making bonus-eligible purchases. Read our full Discover it Cash Back card review. Put it to work as a cash back card that earns generous rewards of 3 percent cash back on dining, entertainment, popular streaming services and at grocery stores.

Read our full Citi Custom Cash Card review. Terms apply Earn unlimited 1. If you're looking for unlimited cash back rewards with a solid introductory APR offer on purchases and balance transfers, the Capital One Quicksilver Cash Rewards Credit Card might be for you. Earn at least 1. Factor in no annual fee and you have the potential for a low-cost addition to your wallet. The Wells Fargo Active Cash Card currently boasts one of the best flat cash rewards rates on the market.

The Citi Diamond Preferred Card can be very functional in helping you temporarily avoid interest charges.

It comes with one of the longest intro APR offers of any major credit card issuer. You could also qualify for a very favorable regular APR if you have an excellent credit score. Read our full Citi Diamond Preferred Card review. This card provides an opportunity to earn cash back on purchases.

The best features are the rewards rates at U. Read our full Blue Cash Everyday Card review. Read our full Chase Freedom Unlimited review. Families that need some time to pay off a household expense can take advantage of month 0 percent introductory APR on purchases then This popular American Express card remains one of the best cards for U.

If you're looking for some temporary relief from credit card APR, the Citi Simplicity Card has one of the longest introductory APR offers on purchases and balance transfers out there.

It also has some low-cost features like no late fees or annual fee. Read our full Citi Simplicity review. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit AmericanExpress. Underwritten by Amex Assurance Company. Learn more: Wells Fargo Reflect benefits guide. Read our full Wells Fargo Reflect Card review or jump back to offer details. Learn more: U. Bank Visa Platinum benefits guide.

Read our U. Bank Visa Platinum Card review or jump back to offer details. Read our full Discover it Cash Back review or jump back to offer details.

Learn more: BankAmericard benefits guide. Read our full BankAmericard credit card review or jump back to offer details. Learn more: Citi Custom Cash vs. Citi Diamond Preferred. Read our full Citi Custom Cash Card review or jump back to offer details. Read our full Citi Diamond Preferred Card review jump back to offer details. Read our full Chase Freedom Unlimited review or jump back to offer details. Learn more: Is the Citi Simplicity worth it? Read our full Citi Simplicity Card review or jump back to offer details.

Learn more: Is the Discover it Balance Transfer card worth it? Read our full Discover it Balance Transfer review or jump back to offer details. They go by different names — 0 percent APR credit cards, zero-interest credit cards, introductory APR credit cards — but they all have the same purpose: a 0 percent intro APR is a temporary break from interest charges as you steadily pay off large credit card purchases or balance transfers.

Even worse, a penalty APR could apply if you have a late payment more than 60 days overdue. The good news is that you could use a credit cards 0 APR to temporarily receive no-interest to avoid the cost of interest charges during the introductory period before the regular, or ongoing rate takes effect.

A 0 percent intro offer may apply to new purchases, balance transfers or both. Want to learn more? Read our full guide on how credit card interest works. When you open an account with a credit card issuer, they may offer you a 0 percent introductory APR period or no-interest financing on purchases made during that time frame.

Credit card companies will often offer this type of interest-free promotion for anywhere from 12 to up to 21 months. When your 0 percent intro APR offer ends, any balance that remains will start accruing interest at its regular rate — which can be anywhere between 12 percent and 25 percent or more annually — plus any other applicable fees or charges such as late payments.

The current average interest rate on a credit card is around 17 percent. A card with a 0 percent introductory APR period helps reduce your immediate financial burden and gives you time to pay for your purchases without any interest. If they have a card with no intro APR, they immediately start paying interest, increasing their overall payments.

In comparison, with a zero-interest credit card, they only have to focus on the balance and have lower monthly payments. As interest rates continue to rise, the possibility of catching a break with a 0 percent APR card may start to become more appealing.

Read our full guide on pros and cons of zero percent APR credit cards. Consider one of these cards if you find yourself in the following situations. It could be an upcoming medical procedure not fully covered by health insurance. Do you want to transfer a balance from a high-interest credit account? Alternately, you might be looking for a break from high APR on a credit card balance or loan.

In either case, a balance transfer credit card with a zero interest introductory offer can save you money. Just be sure to account for any applicable balance transfer fees.