Best 0% APR introductory credit card offers

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If you are considering opening a credit card, you should look for one that offers a 0% APR. This means that you will not need to pay any interest on the purchases you want to make. Therefore, you can get what you need now and pay for it later without having to worry about interest rates and hidden fees. If you are struggling to pay for what you need now this is an ideal way to make your money go farther.

1. Chase Freedom Unlimited

This credit card has a 0% APR for the first fifteen months. The APR will then change depending on your credit score. In addition to this benefit, this card offers you a 200 dollar cash back offer after you spend 500 dollars or more in the first three months. People who have at least a 700 credit score or higher will typically be approved for this card. After your initial bonus offer you are able to receive 5 percent cash back on all grocery purchases and a 1.5 percent cash back offer on all other purchases.

2. Discover it Cash Back

This card offers a 0% APR and no annual fee. You can earn 1 percent cash back on all purchases and a 5 percent cash back on different shopping locations that vary each quarter. For example, you can earn 5 percent cash back if you shop at Amazon.com one month and then an additional 5 percent cash back at Walmart.com the next month. The retail locations will change so it is important to ask the company and read the emails to ensure you are shopping and getting the most for your money.

3. Citi Rewards Card

This card offers a 0% APR for the first 15 months but is only granted to people who have excellent credit score, which is about 750 or higher. This card offers amazing rewards and incentives. You can earn 15,000 points when you spend 1,000 dollars on your card within the first three months after your application is approved. In addition to this bonus offer, you can earn one bonus point for every one dollar spent. The company rounds up to the nearest 10 points to ensure that you get the most for your money. You are able to earn 2 times the points back on grocery stores and at gas station. If you are able to redeem 100,000 thankyou points you can earn 10,000 dollars in cash back.

4. Chase Freedom Flex

This credit card is another great card that offers a 0% APR for the first 15 months. The APR rate will then change depending on several factors, but it will max out at 23.74 percent. This card can be given to people with a credit score of 700 or higher. You are able to earn a 200 dollar cash back offer if you spend 500 dollars on your card within the first three months. Additional cash back offers include 5 percent on travel, 3 percent on dining and pharmacy and one percent on all other purchases. There is no annual fee for this credit card so it is ideal for those who want to build their credit and keep a long credit history.

5. BankAmericard

This credit card has a 0 percent APR for the first 18 months, however the APR will drastically increase after this time frame so it is important to make all payments and avoid high interest rates. This card is typically only given to people with an excellent credit rating of 750 or higher so it is much harder to attain. If you are a BankAmericard cardholder you can access your credit score for free at anytime. There is no annual fee for this card and no penalty APR if you miss your payments. You can make free balance transfers for the first 60 days so it is great for trying to consolidate your debt and build your credit score.

If you are opening a credit card, it is important to remember to make your payments when they are due to avoid large fees and interest rates. These cards all offer a 0% APR, but this can increase over time. Thoroughly read the small print to ensure that you are able to build your credit, rather than destroy it. Each credit card has different benefits and downfalls so if you are looking to open one, make sure you find the one that fits your needs and your lifestyle to help you get more for your money.

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