Best zero apr credit cards with rewards
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Best 0% APR Credit Cards for August – CNET.
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’s redards capped at
Best zero apr credit cards with rewards
Pros You can secure a lengthy intro rate on purchases and qualifying balance transfers. Cons The promotional interest offer can feel confusing, given the caveats associated with securing a full 21 months at the intro rate. 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 cell phone bills U. Apply now On U. Bank’s secure site. You need good-to-excellent credit to qualify. Card details Limited Time Offer!
After that, a variable APR currently Certain terms, conditions, and exclusions apply. Terms and conditions apply. Apply now On Discover’s secure site. Bankrate’s View Start with the introductory zero-interest offers on purchases and balance transfers for 15 months Pros Discover cards carry a number of consumer-friendly terms, including no annual fee, no foreign transaction fees and no penalty APR. Discover will match the amount of cash back you receive at the end of your first year.
Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Discover helps remove your personal information from select people-search websites. Activate by mobile app for free. Then No annual fee. Click “Apply Now” to see terms and conditions. Apply now On Capital One’s secure site. The card touts a number of consumer-friendly terms, including no annual fee and no foreign transaction fees.
Apply now On Citi’s secure site. Pros This cash back card is a great way to earn rewards without an annual fee. After that, the variable APR will be No rotating bonus categories to sign up for — as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories. Pros No need to worry about bonus categories with this card. Cons Following the introductory APR period, you might find the You can get more value, as far as perks and rewards go, with other cash back cards.
Cons The sign-up bonus requires a high spend, compared with other no annual fee cash rewards cards. Bankrate’s View The Citi Diamond Preferred Card can be very functional in helping you temporarily avoid interest charges. Pros One of the longest intro APR offers for both balance transfers and purchases The lack of rewards could be a boon for people who want to stay focused on paying down debt.
After that the variable APR will be Balance transfers must be completed within 4 months of account opening. Apply now On American Express’s secure site. Bankrate’s View This card provides an opportunity to earn cash back on purchases. No annual fee provides even more savings. Cons Stores like Walmart and Target do not count for rewards in the U. S supermarket category. Rewards earned outside of the higher bonus categories sit at just 1 percent cash back.
No Annual Fee. Balance Transfer is back! After that, Enrollment required. Terms Apply. Apply now On Chase’s secure site. Pros The sign-up bonus for this card is fairly easy to attain. Earn an additional 1. Cons You must book through the Ultimate Rewards portal to earn 5 percent back on travel. This card charges a 3 percent foreign transaction fee.
Card details Intro Offer: Earn an additional 1. In fact, closing the account could hurt your credit score by reducing the amount of credit you have available, which could increase your credit utilization. If the card charges a fee, however, or if you fear that the open credit line will tempt you to overspend, then closing it might be the best action.
Show summary. Credit card NerdWallet rating NerdWallet’s ratings are determined by our editorial team. Apply now. Add to compare. The scoring formula takes into account the type of card being reviewed such as cash back, travel or balance transfer and the card’s rates, fees, rewards and other features.
Annual fee. Recommended Credit Score. See your approval odds. Why We Like It. Product Details. Cons You won’t earn ongoing rewards, aside from being able to opt into one-time offers from My Wells Fargo Deals.
Our pick for Ongoing cash back. Cons Depending on your spending patterns, you might earn more rewards with a card that pays higher rates in specific categories. See if you qualify for a better offer with Chase: Get Pre-Qualified. Our pick for Highest flat-rate cash back. Cons It’s not an ideal travel buddy because of its foreign transaction fee, which will make international travel more expensive. Our pick for Bonus category cash back. Cons Rewards-wise, it can be a hassle to track bonus categories and opt in to them every quarter.
No annual fee. Click “Apply Now” to see terms and conditions. Cons You have to opt in to the bonus categories every quarter, which can be a hassle. Cons You can find cards with longer intro APR periods. Our pick for Grocery and gas rewards. No Annual Fee. Terms Apply. Limited Time Offer! Terms and conditions apply. Our pick for Customizable cash back. Cons 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.
Our pick for Flat-rate cash back. How to avoid paying credit card interest entirely. Whats’s the difference between interest and APR? Glossary of APR terms. Introductory APR period. Balance transfer fee. Required credit profile. Penalty policies. Free credit score. Rewards and bonus offers. Other cards to consider.
Last updated on August 19, Apply now on Chase’s website. Apply now on Citibank’s application. Rewards Flexibility 3. Features 3. Bottom Line Used wisely, the Citi Custom Cash Card should offer terrific value and flexibility in both the short and long term thanks to its varied bonus categories and no-hassle rewards structure. After that, the variable APR will be No rotating bonus categories to sign up for — as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
Our rating: 3. Overall rating Our rating: 3. Rewards Value: 2. Rewards Flexibility: 5. Bottom Line If you want a no-hassle way to finance new purchases while earning unlimited cash back on everything you buy, the Quicksilver card could be a great fit. APR: 1. Issuer Customer Experience 2. Pros This card charges no annual fee. Rewards never expire as long as your account remains in good standing.
Features: 4. After that the variable APR will be Balance transfers must be completed within 4 months of account opening. Apply now at American Express’s secure site.
Rewards Value: 3. Rewards Flexibility: 2. Why we like this card Along with its solid mix of popular and practical cash back categories, this card could reward your good credit score with a relatively low ongoing APR. Bottom Line This card offers solid rewards on U. No Annual Fee. Balance Transfer is back! After that, Enrollment required. Terms Apply. Our rating: 5. Apply now at Chase’s secure site. Intro bonus Earn an Additional 1.
Overall rating Our rating: 5. Rewards Value: 5. Annual Percentage Rate: 2. Pros Earn an additional 1. Intro Offer: Earn an additional 1. Enjoy 6. No minimum to redeem for cash back.
You can choose to receive a statement credit or direct deposit into most U. Cash Back rewards do not expire as long as your account is open! Net Value: 3. Bottom Line With a lengthy intro APR on balance transfers made within the first four months, plus no late fees or penalties, the Citi Simplicity Card lives up to its name. Bottom Line This card gives you more control over where and when you earn rewards while still covering some everyday essentials, making it a solid all-purpose cash back card.
That means you could earn 3. No annual fee and no expiration on rewards. Annual Percentage Rate: 3. Fixed and rotating bonus categories give you more options and greater flexibility in how you earn rewards compared to other rewards cards. Cons Not everyone will want to go through the hassle of enrolling in quarterly bonus categories. This may make the card less valuable as a standalone rewards card. APR: 3. Issuer Customer Experience: 5.
Cash rewards never expire as long as your account is in good standing. Cons If your spending tends to be focused in certain categories, you may be better off with a card that offers a high rewards rate on bonus categories. If you carry a balance, the higher APR could prove to be expensive after the intro period ends.
Bottom Line This flat rate card with its unlimited 1. Earn unlimited 1. That means you could earn 1. Rewards can be redeemed at any amount and never expire as long as the account is active. In order to fully take advantage of the high rewards rate, you must keep track of rotating categories. Bottom Line This card will surely tick off a lot of boxes for a lot of people, particularly anyone hoping to tackle an existing card balance or pay off a splurge item.
Back to top. On this page Our top picks Zero interest credit card details What are zero interest credit cards? Best for large purchases: U. Biggest drawbacks : This card has limited value as it does not offer a sign-up bonus, rewards program or any cost-saving benefits beyond cellphone protection. Bottom line : Anyone seeking a significant amount of time to pay down new purchases interest-free will want to consider the U.
It also comes with an intro APR offer on new purchases and balance transfers and a unique sign-up bonus that matches all the rewards you earn at the end of your first year. Biggest drawbacks : Rotating categories that you have to enroll in can be a hassle for some people. Some may also prefer to earn rewards in their favorite categories year-round instead of quarterly.
Bottom line : The Discover it Cash Back is a solid pick for someone looking for a credit card with well-rounded benefits, a potentially low go-to APR and a competitive cash back rewards program. Bottom line : This versatile card is a great option for modest spenders looking to earn rewards in popular food and entertainment categories.
After that, your regular APR ranges from see terms variable. Bottom line : This is a solid pick for someone with a lot of debt or who plans to make a large purchase and wants to pay it off over an extended period without any interest charges. Rewards None. See our methodology , terms apply. Pros No annual fee Balances can be transferred within 4 months from account opening One of the longest intro periods for balance transfers.
View More. On Wells Fargo’s secure site. Bank’s secure site. Pros 20 billing cycles of no interest on balance transfers and purchases No annual fee Cell phone protection plan. Cons 2. On Capital One’s secure site. On Chase’s secure site. Rewards Unlimited 1. On the American Express secure site. Create a repayment plan You’ll need to come up with a plan to pay off credit card debt. Are you carrying debt from a high interest credit card? Then you should consider a balance transfer credit card with up to 20 months no interest.
Do you plan on making a large purchase? Do you carry a balance month to month? After you determined which credit card you want to apply for, compare cards by these key factors: Length of intro APR period: Cards can have intro periods anywhere from three months to 20 months. For new purchases or lingering debt, the longer the better, but if you’re completing a balance transfer, consider the cost of any balance transfer fees before applying.
Balance transfer fee: Many balance transfer cards charge a fee per transfer.