Certain terms, conditions, and exclusions apply. Since few of us have that kind of money on hand, it could take six months or more to pay off a purchase of that size. Or is there a kind of spending that got you into trouble? In that case, it's a good idea to know what variable rate is offered by the card you are eyeing. But these offers aren't forever — they can range from 6 months to as high as 18 months or longer, depending on the card. Save and compare credit cards to find the best fit for you.
The Best 0% APR Credit Cards of 2018
These credit cards offer bonuses once you reach a spending threshold over the first few months. With sign-up bonus credit cards, bonuses typically come in the form of cash back or other rewards.
These rewards can encourage an initial burst in spending, so it's best to be prepared to pay off your balances right away so you don't end up with interest charges.
These cards typically require excellent credit for approval. These are some of the most popular sign-up bonus credit cards from Credit Karma's partners. Best credit cards for seniors. Do you have these popular rewards cards?
Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. Credit Karma strives to provide a wide array of offers for our members, but our offers do not represent all financial services companies or products.
Sign up for free. Credit Cards Best Credit Cards. Search All Credit Cards. Auto Refinance My Loan. Get a New Loan. Apply now Save Card. Plus earn 10X miles on thousands of hotels; learn more at hotels. Or the car broke down again. The fact is, while credit cards are partly for convenience, sometimes they can seem rather inconvenient because of a steep balance. But these offers aren't forever — they can range from 6 months to as high as 18 months or longer, depending on the card.
To make the offer work for you, you need to figure out how you got into this situation; plan your way out of the debt by figuring out how many months it will take you to pay it off; and take steps to avoid this situation again. But, we're here to help. Below are our top picks for the best zero interest credit cards along with other helpful information on choosing the card right for you and avoiding interest payments.
Here, we look at:. Many of them also have great rewards, like the Chase Freedom Unlimited, which offers a 15 month interest free intro period and 1. These are great cards for paying off a card balance or two without incurring more interest charges. They are also good for consolidating debt into a single payment. With balance transfers, you can avoid the debilitating costs of interest fees, which can number in the thousands of dollars over time. Also, there are no rotating categories to contend with or required quarterly sign-ups.
With a high variable go-to rate of You can also do better with 1. If you don't want the pain of required quarterly sign-ups, this card offers a 1. This card doesn't have the high cashback rate of the Chase Freedom, although you don't have to think about what you're purchasing with the Quicksilver. There's also the Discover Deals program, which gets you access to extra rewards and savings while shopping with your choice of retailers.
There also isn't a lot in the way of purchase and travel benefits with this card. That said, the rewards are strong, even with no sign-up bonus. In terms of pure length, there are few other options that can stand toe-to-toe with the Simplicity. It also spurns many common fees: There are no ongoing rewards or a sign-up bonus, which makes this card of limited value for the long haul.
At 20 billing cycles, the U. If you have excellent credit, you could be eligible for the low end of the go-to APR for this card, which is at The high end of the variable APR is This card should be one of your top picks if you need a long time to pay off an existing balance or big purchase.
Also, and this is new, you can earn 10X miles on hotels when you pay with this card. Also, there's no annual fee. Also, it doesn't have the rewards of its sister card, the Venture Rewards, although that card carries an annual fee. While this may be a good choice for the occasional traveler, it's not an option if you want to save money by avoiding interest charges on balance transfers or if you have a sizeable purchase coming up that you want to spread out over more than a year in payments.
Afterwards, the regular APR of The CDP provides a huge amount of time to pay off a transferred balance, since its introductory period far outshines other cards. Furthermore, it does not charge an annual fee. The CDP stands out from the pack in terms of the sheer length of its balance transfer offer. However, its balance transfer fee and intro offer on purchases are less than stellar. This is quite a long offer, and the regular APR is also reasonable if you are able to land on the lower end of that range.
Most importantly, the BCE offers a tremenedous amount of rewards value compared to other 0 interest credit cards. There are a couple of notable restrictions. The Blue Cash Everyday is notable for its long and flexible intro APR offer and stands out from the pack with its top-tier rewards.
That means paying considerably more than the minimum payment. However, life sometimes gets in the way of our best intentions. There may be a need for you to carry a balance after the offer ends. In that case, it's a good idea to know what variable rate is offered by the card you are eyeing. Interest rate — With a credit card, the APR, or annual percentage rate, is the same figure as the interest rate. With other products, such as mortgages, your APR reflects not only the interest rate but also any points, mortgage broker fees and other charges that you pay to get the loan.