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Using a 0% annual interest credit card will You can pay no interest, transfer balances, or do both for a limited time. However, the details of the cards vary considerably from there, with some offering longer introductory offers and significantly more perks than others.The fees also vary, including annual fees and balance transfer fees.

Here are some key features to consider before applying for an APR 0% credit card.

The duration of the offer is ?

One of the most important details to remember is how long each card offers 0% APR. Most cards in this niche extend interest-free for at least 15 months, while some credit cards offer 0% annual interest for up to 21 months.

The 0% offer period is important. Avoid interest. Indicates the amount of time before the credit card interest rate resets to his normal APR.

For example, if you need to make a big purchase and it will only take you a year or a little longer to pay it off, a 0% annualized credit card with a 15-month referral offer You can use any number of On the other hand, if you have thousands of high-interest credit card debts to pay off, you should look for the longest 0% referral offer you can find.

The offer type is what?

Also note that 0% Annualized Credit Cards extend their offer to purchases, balance transfers, and possibly both. In some cases, cards may even apply zero interest on purchases and balance transfers on different timelines.

For example, he may get 0% interest on purchases for 12 months with the same introduction rate for balance transfer for 18 months.

In any case, we would like to know the details in advance so that we can plan accordingly.

Are there any restrictions?

I don't want to miss out on great offers for not following the rules Please note the bylaws and restrictions.

Delayed payment What happens?

As an example, the Wells Fargo Reflect® Card comes with an introductory APR of 0% for 18 months from account opening and eligible balance transfer at the time of purchase (then a variable APR of 17.24% to 29.24%). Continue). However, if you make the minimum payment on time during the introductory period, you may qualify for an additional 3 months of no interest.

Please note that in most cases APR referral offers will be canceled if the minimum payment amount on your credit card is not met. For example, the fine print on the Wells Fargo Reflect card clearly states: >

Is there a reward?

Many credit cards with initial APR offers also earn rewards, but typically sacrifice the length of the zero-interest offer for this reward. 15 months), you'll find plenty of cards with first-year APR offers and ongoing rewards.

An example of a popular cash back credit card with APR's first time rewards is the Chase Freedom Flex℠. Freedom Flex offers a variety of cash back categories, including 5% on bonus category purchases activated quarterly (up to $1,500 on purchases and 1% thereafter), and rewards on purchases and balance transfers 0% Introductory APR for 15 months. After the introductory period ends, you will be paid a variable APR of 18.74% to 27.49%.

Plus, one of the most popular balance transfer credit cards available today, the Citi® Double Cash Card offers up to 2% cash back on all spend ( 1% on purchase and another 1% on payment). As for the APR introductory offer, you get 18 months with no balance transfer interest and then a variable APR of 18.24% to 28.24%.

Are there additional cardholder benefits? ?

Make sure the credit card you are considering offers the benefits you want or can maximize. , mobile phone insurance, purchase protection against damage or theft, and travel insurance.

Which credit score Should I Apply?

While reviewing all card details, you should also consider whether your desired 0% annual rate card may be approved . The best cards in this niche usually require good or excellent credit, so not everyone qualifies.

Before applying, please check your credit score to ensure that you are likely to be approved.

What fees are included?

Finally, the type of credit card you are considering. Make sure the fees are satisfactory. For example:

  • Annual fee. Most 0% APR credit cards do not charge an annual fee, but this is not always the case.
  • Balance transfer fee.This is only important if you are consolidating your debt using a new 0% annualized credit card. While most cards in this niche charge a 3% balance transfer fee, a few cards charge 5% instead. By choosing the card with the lowest fees, you can minimize the cost of transferring balances.
  • Foreign transaction fees. This is only important if you plan to use your card internationally or online with non-U.S. companies. If you travel frequently, try to avoid cards that charge foreign transaction fees (or , just pull another card out of your wallet when you're abroad).


Choosing a 0% annual interest card can be daunting, but the credit score required for authorization, fees associated with the card, and additional You can narrow down your choices by considering the best offer period for your card rewards, payoff timeline. Plus, Bankrate's list of the best 0% interest credit cards lists and compares our top picks for 2023, making it even easier to find the perfect card for you.

In most cases, one or more 0% p.a. credit cards will meet your needs. After doing thorough research and ensuring your credit is sufficient to qualify, be sure to apply before the offer runs out.