The 7 Best 0% Credit Cards Of 2019
Credit card interest fees can make payment of large balances difficult. With credit cards rewards, interest rates reduce the benefits of your rewards. Fortunately, many credit card issuers offer 0% credit cards that do not allow you to pay interest on purchases or transfers, or even both.
The best 0% credit cards have longer balance periods, no balance transfer fees or special offer rates for balance transfers and purchases. On our list of the best 0% credit cards, you can find several of each type, these include:
Apart from promotional rates, some of the best 0% cards also pay rewards on purchases. When choosing the card that works best for you, be sure to take note of fees – such as international transfer fees if you use an international travel card – and additional extras. With this interest-free credit card, you can make large purchases without interest or transfer a high-interest rates balance.
Chase Slate is Best Card With No Balance Transfer Fee is
Chase Slate does not charge money transfer fees for balances, which is perfect if you transfer large balances. You can save hundreds of dollars just from the toll.
In the first 60 days of opening your account, Chase Slate will not charge a transfer fee for the funds transferred. Balances transferred after the first 60 days will be charged 5% or $5, whichever is greater.
Although, If you have another Chase credit card with promotional rates, you may not be eligible for promotional rates.
Minimum Credit Required: Extraordinary
Annual fee: none
Intro APR: 0% for purchases and Balance transfers for 11 months
Ongoing APR: 17.24% to 25.99% variables
Balance Transfer Fee: $0 for transfers in the first 60 days of opening, after that $ 5 or 5%
Cash Advance Fee: $10 or 5% of the cash in advance
Foreign Purchase Transaction Fee: 3% of the amount transferred in US dollars
Signup bonus: None available
Citi Simplicity is the Best Card for No Late Fees
If you get something good, you want it to last as long as possible. And that is what you get from Citi Simplicity – 21 months without interest on balance transfers and 12 months without interest for purchases. Which makes it close to two years without interest.
There are no late fees, no penalties, and no annual fees. You can also get to choose your own payment date so that payments are made at the best time and most convenient for you.
Citi Simplicity does not offer the same long promotional rates of purchases.
Minimum Credit Required: Good
Annual fee: none
Intro APR : 0% for 21 months for the balance of the transfer; 0% for the first 12 months.
Ongoing APR: 16.99% to 26.99% variables
Balance Transfer Fee: $ 5 or 5% of the transfer amount
Cash Advance Fee: $10, or 5% of the cash advance
Foreign Purchase Transaction Fee: 3% of total purchases in US dollars.
Signup Bonus: None available
Blue Cash Everyday Card from American Express is the Best Card for Grocery Reward
Blue Cash Everyday Card from American Express pay cash rewards for purchases and have a 0% introductory APR for balance transfers and purchases during the first 15 months – without annual fees.
Get back $ 200 after spending $ 1,000 within three months of opening your account. You currently will get back 3% cash at any US supermarkets on up to $ 6,000 spending per year; 2% cash back at any US gas stations and a number of US department stores plus a 1% refund for another spending.
However, balance transfers are not considered as earning the spending bonus, which makes it difficult to use balance transfer offers and Signup bonuses.
Minimum Credit Required: Good
Annual fee: none
Intro APR : 0% for purchases and balance transfers for 15 months
Ongoing APR: 15.24% to 26.24% variables
Balance Transfer Fee: 0% for the requested transfer during the first 60 days; $5 or 3% of the total transfer amount
Cash Advance Fee: $ 5 or 3% of the cash advance
Foreign Purchase Transaction Fee: 2.7% of the amount converted to US Dollars
Welcome Offer: $ 150 after spending $ 1,000 for purchases in the first three months
Discover it is Best Customer Service Discover consecutively receives ratings and awards for its customer service. This is only one of the things that make Discover it one of the best credit cards with 0%.
In addition to promotional rates, you can also get a reward for your purchases. Purchases in certain categories worth up to $ 1,500 receive a 5% rewards. The categories change every three months, often based on seasonal purchases. All other purchases generate 1% cash back. At the end of the first year, Discover automatically matches cash back for all new cardholders.
You get some additional benefits with Discover it: Free FICO score every month and Freeze Switch it on/off switch which allows you to turn on and off access to the card.
However, the balance transfer fee will increase if the balance is transferred to your account after August 10, 2019. You must register every three months to win a reward of around 5% rate.
Minimum Credit Required: Good
Annual fee: none
Intro APR: 0% for the remaining transfers and purchases for 14 months
Ongoing APR: 14.24% to 25.24% variables
Balance Transfer Fee: 3% of the transfer amount that posts to your account until 10 August 2019; then 5% afterward
Cash Advance Fee: $10 or 5% of the cash advance
Foreign Purchase Transaction Fee: None
Signup Bonus: None available
Capital One Venture One is the Best for Travel Rewards:
Capital One Venture One is a fixed travel reward credit card that offers a 0% interest rate for the first 12 months after opening your account.
You can also earn rewards on your purchases. For all credit card purchases, you will receive 1.25 miles per dollar. New cardholders can get 20,000 bonus miles if they spend $ 1,000 on their credit cards in the first three months of their account opening.
Capital One will charge a higher fee for balance transfers which will be paid for at the promotional rate.
Minimum Credit Required: Extraordinary
Annual fee: none
Intro APR: 0% for purchases over 12 months
Ongoing APR: 14.24% to 24.24% variables
Balance Transfer Fee: 3% of the amount ordered to your account below the promotional rate: There is no balance transferred the regular APR
Cash Advance Fee: 10 USD or 3% of the cash advance
Foreign Purchase Transaction Fee: None
Signup Bonus: 20,000 points after spending $ 1,000 in the first three months
U.S. Bank Platinum Visa Card is the Best for Low-Interest Rate After Promotion
The US Bank Platinum Visa Card offers a 0% introductory APR for purchases and balance transfers for 20 billing cycles.
The card offers several other benefits. You can choose your own date and access TransUnion’s credit score.
Pay your cellphone bill with your credit card and get up to $ 600 free protection coverage in case of damage or theft for your cellphone. Coverage is valid for up to three calls and only $ 25 is deducted.
However, You will not receive any reward for your purchases.
Minimum Credit Required: Extraordinary
Annual fee: none
Intro APR: 0% for purchases and balance transfers for 20 billing cycles
Ongoing APR: 14.74% to 25.74% variables
Balance Transfer Fee: $ 5 or 3% of the transfer amount
Cash Advance Fee: $10 or 4% of the cash advance
Foreign Purchase Transaction Fee: 3% of the purchase amount
Signup Bonus: None available
Bank of America Travel Rewards for Students is the Best for Students:
The Bank of America Travel Rewards for student credit cards offers a 0% introductory interest rates for purchases during the first 12 billing cycles – and students can qualify.
In addition to one-year interest-free purchases, students who choose Bank of America Travel Rewards credit cards will also receive travel rewards on purchases too. At present, students receive 1.5 points for every dollar spent on purchases. In addition, you can get a signup bonus of 250 USD towards travel.
Students who also have an active Bank of America checks or savings accounts can win a 10% bonus. Rewards can be paid at any time when purchasing an airline or hotel. You also have access to your FICO earnings through Bank of America mobile banking or online banking applications.
However, Students who only start with credit may not have enough credit history to qualify.
Minimum Credit Required: Extraordinary
Annual fee: none
Intro APR: 0% for purchases for 12 billing cycles
Ongoing APR: 17.24% to 25.24% variables
Balance Transfer fee: 10 USD or 3% of the transfer amount
Cash Advance Fee: 10 USD or 3% of the cash advance
Foreign Purchase Transaction Fee: None
Signup Bonus: 25,000 online bonus points after you spend $ 1,000 in the first 90 days of opening your account.
