Top 10 Credit Cards with 0% APR

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Typically I write about credit cards that will earn you points and miles for free travel, however, recently I’ve received many questions on the best credit card that comes with a 0% APR. While I always suggest paying your credit card balance in full every month and not getting yourself in credit card debt, sometimes things happen and being able to pay off your credit card balance over a few months with no extra fees is needed. Just keep in mind though for most of these cards, once the 0% APR is over, the interest rates are incredibly high so make sure to pay off the debt prior to the promotional period ends. I’ve put together a list of the top 10 credit cards that come with these three parameters: 1) 0% APR for at least 12 months; 2) A sign up bonus; 3) No annual fee.

Top 10 Credit Cards with 0% APR

Wells Fargo Propel American Express® Card (Learn more)

  • Welcome bonus: Earn 30,000 bonus points when you spend $3,000 in purchases in the first 3 months – worth $300 in cash redemption
  • APR terms: 0% APR for the first 12 months
  • Points earned: Earn 3X points for eating out and ordering in; 3X points for gas stations, rideshares and transit; 3X points for travel including flights, hotels, homestays and car rentals; 1X point on all other purchases
  • Other benefits: Cell phone protection

This is by far the best option for a 0% APR credit card with no annual fee. It has the highest welcome offer and offers a nice return for travel, dining, and gas. This card also offers a generous cell phone protection benefit where you can submit up to two claims a year and be reimbursed up to $600 per incident (minus a $25 deductible). If you are looking to make a large purchase, just make sure the merchant takes American Express credit cards.

Bank of America® Travel Rewards credit card (Learn more)

  • Welcome bonus: 25,000 bonus points if you spend at least $1,000 in purchases in the first 90 days – worth a $250 statement credit toward travel purchases
  • APR terms: 0% APR for the first 12 billing cycles
  • Points earned: Earn 1.5x points on all purchases
  • Other benefits: If you are a Bank of America customer, you’ll get a 10% bonus on every purchase when you have an active Bank of America checking or savings account.

While this is also a high sign up offer, you will not be receiving immediate cash back like most of the other cards on this list. Instead, the points need to be redeemed for travel purchases. If you prefer straight forward cash back right away, you will probably want to consider another card.

Bank of America® Cash Rewards credit card (Learn more)

  • Welcome bonus: Earn a $200 cash rewards bonus after making at least $500 in purchases in the first 90 days of your account opening.
  • APR terms: 0% APR for the first 12 billing cycles
  • Points earned: Earn 2% at grocery stores and wholesale clubs and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter; Earn 1% cash back on all other purchases
  • Other benefits: If you are a Bank of America customer, you’ll get a 10% bonus on every purchase when you have an active Bank of America checking or savings account.

This is a nice bonus with a low minimum spend required. You’ll also receive 2% cash back at grocery stores/wholesale clubs and 3% cash back on gas which are two popular categories amongst most households. Unfortunately though you are limited to $2,500 combined every quarter.

Wells Fargo Cash Wise Visa® Card (Learn more)

  • Welcome bonus: Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months
  • APR terms: 0% APR for the first 12 months
  • Points earned: Earn 1.5% cash back on all purchases. You’ll also receive an increased 1.8% cash back on all mobile wallet purchases for the first 12 months of account opening, such as Apple Pay or Google Pay
  • Other benefits: Cell phone protection

If you need a non-American Express card, this might be a better option then the Wells Fargo Propel card, although a slightly less welcome bonus. I’d also recommend this card over the two Bank of America cards due to the cell phone protection benefit. With this benefit, you’ll receive up to $600 in reimbursement on your cell phone if your phone is damaged or stolen. You are allowed to file 2 claims per year. You just need to make sure to pay your monthly bill with this card (The Wells Fargo Propel card comes with the same protection).

Capital One® VentureOne® Rewards Credit Card (Learn more)

  • Welcome bonus: Earn 20,000 Miles once you spend $1,000 on purchases within 3 months from account opening – worth $200 towards travel
  • APR terms: 0% APR for the first 12 months
  • Points earned: Earn 1.25X miles on every purchase
  • Other benefits: Earn 10X miles when you book a hotel through hotels.com

This is also a travel credit card where the points earned need to be applied towards a travel purchase to receive a statement credit. If you want straight cash back right into your pocket this is not the best card for you. While you’ll earn slightly less points on everyday purchases than some of the other cards above, if you make hotel reservations through hotels.com often, this is by far the best card in the industry to maximize the miles earned.

Chase Freedom Unlimited (Learn more)

  • Welcome bonus: Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • APR terms: 0% APR for the first 15 months
  • Points earned: Earn 1.5% cash back on all purchases

While the welcome offer is less then the other card above, the points earned could potentially be significantly better if you have a premium Chase Ultimate Reward card (one that comes with an annual fee). Instead of redeeming your points for cash back, you can transfer them to a premium card where you can redeem your points for a significantly higher value. Also, if you need a longer APR timeframe, this card comes with 15 months 0% APR.

Capital One® Quicksilver® Card (Learn more)

  • Welcome bonus: Earn a $150 cash bonus after you spend $500 on purchases in your first 3 months from account opening
  • APR terms: 0% APR for the first 15 months
  • Points earned: Earn 1.5% cash back on all purchases

The bonus, APR terms, points earned, and benefits are very similar to the Chase Freedom Unlimited card, so the card to apply for is really based on preference. I personally prefer earning Chase Ultimate Reward points, but that is because I have a premium card where I can transfer my point to that account and then again transfer the points to a partner loyalty program which allows me to get a much higher value out of the points earned.

Capital One® SavorOne℠ Cash Rewards Credit Card (Learn more)

  • Welcome bonus: Earn a $150 cash bonus after you spend $500 on purchases in your first 3 months from account opening
  • APR terms: 0% APR for the first 15 months
  • Points earned: Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases

If you spend a decent amount on food and entertainment, this card will most likely earn you more cash back then the Capital One Quicksilver card. I suggest looking at your average monthly expenses and see where you’d earn more points – 1.5% cash back on all purchases, or a tiered cash back system where you’ll receive higher cash back on dining, entertainment, and groceries, and then just 1% cash back on all other purchases.

Blue Cash Everyday® Card from American Express (Learn more)

  • Welcome bonus: $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months
  • APR terms: 0% APR for the first 15 months
  • Points earned: Earn 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%), 2% cash back at U.S. gas stations and at select U.S. department stores, and 1% back on other purchases.
  • Other benefits: Since this is .an American Express credit card you are eligible to take advantage of Amex Offers where you can receive statement credits at many popular merchants!

If you prefer an American Express card, then this card is for you! However, there are other cards listed above that will earn you the same bonus points at supermarkets and gas stations, but with a higher welcome bonus and higher caps. The one real benefit of this card is that you can take advantage of Amex Offers which could definitely save you some money on a yearly basis at some popular merchants.

Chase Freedom (Learn more)

  • Welcome bonus: $150 statement credit after you spend $500 in purchases on your new Card within the first 3 months
  • APR terms: 0% APR for the first 15 months
  • Points earned: Earn 5% cash back on rotating categories up to $1,500 in combined purchases each quarter; Earn 1% cash back on all other purchases

This card is very similar to the Chase Freedom Unlimited, but instead of receiving a flat 1.5% cash back, you’ll receive 5% cash back on rotating categories. The categories are not fixed and do change every quarter/year. Typically though, the categories are on popular purchases, such as supermarkets, dining out, gas, Amazon, etc. With that being said, there is a $1,500 cap at earning the 5% cash back per quarter. I personally prefer to earn a simple 1.5% cash back on all purchases with the Chase Freedom Unlimited, but it really depends on your spending habits.

Overall..

Having a 0% APR card for the first 12-15 months for some large purchases can definitely save you a ton of money on interest. Of course there are a few other cards that come with longer 0% APR terms, but they do not have a welcome offer tied to it. If you are looking for a card with an 18 to 21 month 0% APR offer, here is a list of all of the 0% APR credit cards.

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