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What Are the Best Credit Cards for 12 Months Interest-Free?

Emma MarroneVerified
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Summary：Looking for a credit card with a 12-month interest-free period? Check out these top options from Chase, Citi, Discover, and Capital One, all offering rewards and cashback bonuses.

Credit cards are an essential tool for managing finances in today's world. They offer convenience, rewards, and security, but the most significant advantage is the interest-free period. This period allows cardholders to make purchases without incurring any interest charges for a specified time, usually 12 months. However, with so manycredit cardsavailable, it can be challenging to decide which one is best for you. In this article, we will discuss the best credit cards for 12 months interest-free.

Chase Freedom Unlimited

The Chase Freedom Unlimited card is an excellent choice for anyone looking for a card with no annual fees and a long interest-free period. This card offers 0% APR for the first 15 months, and after that, the variable APR is between 14.99% and 23.74%. The card also offers unlimited 1.5% cashback on all purchases, making it a great option for those who want to earn rewards while enjoying an interest-free period.

Citi Double Cash

The Citi Double Cash card is another great option for those looking to earn rewards while enjoying an interest-free period. This card offers 0% APR for the first 18 months, and after that, the variable APR is between 13.99% and 23.99%. The card also offers 2% cashback on all purchases, making it one of the best cashback credit cards available.

Discover it Cash Back

The Discover it Cash Back card is a popular choice for those looking to earncashback rewardswhile enjoying an interest-free period. This card offers 0% APR for the first 14 months, and after that, the variable APR is between 11.99% and 22.99%. The card also offers 5% cashback on rotating categories, up to $1,500 per quarter, and 1% cashback on all other purchases.

Capital One Quicksilver Cash Rewards

The Capital One Quicksilver Cash Rewards card is an excellent choice for those who want to earn cashback rewards while enjoying an interest-free period. This card offers 0% APR for the first 15 months, and after that, the variable APR is between 15.49% and 25.49%. The card also offers unlimited 1.5% cashback on all purchases, making it a great option for those who want to earn rewards while enjoying an interest-free period.

Applying for a Credit Card

When applying for a credit card, it's essential to understand yourcredit score, as it plays a significant role in the approval process. A good credit score is typically above 670, and the higher the score, the better the chances of getting approved for a credit card with favorable terms. Additionally, it's essential to understand the card's annual fee,rewards program, and interest rates before applying.

Credit Card Savings Tips

One way to save money with a credit card is to take advantage of rewards programs. Many credit cards offer cashback rewards, points, or miles for purchases made with the card. Another way to save money is to pay off the balance in full each month to avoid interest charges. Finally, it's essential to avoid overspending with a credit card, as it can lead to debt and financial problems.

Credit Card Fees and Risk Management

It's important to understand the fees associated with a credit card, such as annual fees, late fees, and balance transfer fees. Additionally, it's crucial to manage the risk associated with credit card use by monitoring statements for fraudulent activity, reporting lost or stolen cards immediately, and avoiding sharing personal information with anyone.

Credit Card Company Recommendations

There are many credit card companies to choose from, including Chase, Citi, Discover, and Capital One. Each company offers different benefits, rewards programs, and interest rates, so it's essential to research each company before applying for a credit card. Additionally, it's important to read reviews and compare offers to find the best card for your needs.

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