These Credit Cards with Zero-Percent APR Could Help You Get Through These Tough Times
Although credit cards can come in handy when we don’t have enough money to spare, not everyone is particularly keen on them, especially considering the interest and other fees. But sometimes the pros can outweigh the cons. And the good news is that you don’t have to worry so much about charges because some banks offer credit cards that have up to 21 months of no interest, helping you build up your savings and lessen debt.
These 0% APR credit cards do not charge interest for a certain period after opening your account, usually ranging from 12 to 21 months. These might be of help in easing the burden of debt and in incurring fewer interest charges for new purchases. Here are some of the best credit cards with the longest 0% APR period.
Citi Simplicity Card
Citibank’s Citi Simplicity Card offers 0% intro APR for up to 21 months following the first transfer date. There is also a 12-month period of 0% intro APR after opening an account. Beyond that, the APR will depend on creditworthiness, ranging from 14.74%-24.74%.
BankAmericard is just the one you might need if your goal is to pay down on debt with high interest in the shortest amount of time. It offers a 0% APR within the period of 60 days after the account has been opened for the balance transfers on the first 18 billing cycles. After this period, the rate ranges from 14.49%-24.49%.
Chase Slate Credit Card
Not only does this card have an amazing offer, but it’s packed with other benefits as well. It has an 0% intro fee for 60 days after opening an account. After this, there is only a 5% fee for balance transfers. There is also no annual fee, no late fee charges, and you can access your credit score all the time for free through Credit Journey.
SavorOne might also be a good choice, with a 0% APR for the first 15 months and a 15.49%-25.49% rate after that. There is also no fee for foreign transactions. And the rewards that you collect over time do not expire during the whole duration of the account.
American Express also has its own offering, with 0% intro APR for the first 15 months, and a rate of 12.99%-23.99% after. It also has no annual fee, and a flexible payment scheme it offers the choice of carrying over a balance with an interest rate or you can pay in full. So depending on your financial capacity, Amex is willing to adjust according to your needs.
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