What Are the Top 10 Credit Cards with 0% Interest?

If you're looking for a credit card with 0% interest, there are several options available to you. Here are the top 10 credit cards with 0% interest:

1. Chase Freedom Unlimited

The Chase Freedom Unlimited card offers 0% APR for the first 15 months on purchases and balance transfers. After that, the APR is 14.99% - 23.74%. This card also offers a $200 sign-up bonus after spending $500 in the first three months.

2. Blue Cash Everyday Card from American Express

The Blue Cash Everyday Card from American Express offers 0% APR for the first 15 months on purchases and balance transfers. After that, the APR is 13.99% - 23.99%. Cardholders can also earn 3% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%), 2% cash back at U.S. gas stations and select U.S. department stores, and 1% cash back on other purchases.

3. Wells Fargo Platinum Card

The Wells Fargo Platinum Card offers 0% APR for the first 18 months on purchases and balance transfers. After that, the APR is 16.49% - 24.49%. This card also hasno annual fee.

4. Citi Simplicity Card

The Citi Simplicity Card offers 0% APR for the first 18 months on purchases and balance transfers. After that, the APR is 14.74% - 24.74%. This card also has no annual fee or late fees.

5. Discover it Cash Back

The Discover it Cash Back card offers 0% APR for the first 14 months on purchases and balance transfers. After that, the APR is 11.99% - 22.99%. Cardholders can also earn 5% cash back on up to $1,500 in purchases in rotating categories each quarter, and 1% cash back on all other purchases.

6. Bank of America Cash Rewards Credit Card

The Bank of America Cash Rewards Credit Card offers 0% APR for the first 15 months on purchases and balance transfers. After that, the APR is 13.99% - 23.99%. Cardholders can also earn 3% cash back in a category of their choice (gas, online shopping, dining, travel, drugstores, or home improvement/furnishings) and 2% cash back at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club purchases each quarter), and 1% cash back on all other purchases.

7. Capital One Quicksilver Cash Rewards Credit Card

The Capital One Quicksilver Cash Rewards Credit Card offers 0% APR for the first 15 months on purchases and balance transfers. After that, the APR is 15.49% - 25.49%. Cardholders can also earn unlimited 1.5% cash back on all purchases.

8. HSBC Gold Mastercard

The HSBC Gold Mastercard offers 0% APR for the first 18 months on purchases and balance transfers. After that, the APR is 12.99% - 22.99%. This card also has no annual fee.

9. U.S. Bank Visa Platinum Card

The U.S. Bank Visa Platinum Card offers 0% APR for the first 20 billing cycles on purchases and balance transfers. After that, the APR is 14.49% - 24.49%. This card also has no annual fee.

10. SunTrust Prime Rewards Credit Card

The SunTrust Prime Rewards Credit Card offers 0% APR for the first 15 months on purchases and balance transfers. After that, the APR is 12.99% - 22.99%. Cardholders can also earn 1% unlimited cash back on all purchases, and 2% cash back on gas and grocery qualifying purchases (up to $6,000 in combined qualifying purchases per year).

Tips for Applying for a Credit Card:

When applying for a credit card, it's important to consider your credit score and income. Generally, the better your credit score, the more likely you are to be approved for a card with better rewards and benefits. It's also important to read the terms and conditions of the card carefully, including any fees or restrictions.

Saving Money with a Credit Card:

One way to save money with a credit card is to take advantage ofcash back rewardsor points. Cardholders can earn cash back on purchases they would make anyway, such as groceries or gas. Some cards also offer introductory bonuses or sign-up bonuses, which can provide a significant cash boost.

Annual Fees and Avoiding Risks:

Many credit cards come with annual fees, which can eat into the rewards or benefits you receive. It's important to weigh the benefits of a card against any annual fees. Additionally, it's important to make payments on time and avoid carrying a balance, as late payments and high balances can hurt your credit score and lead to fees and interest charges.

Recommended Credit Card Companies:

Some of thetop credit card companiesinclude Chase, American Express, Citi, Discover, and Capital One. Each of these companies offers a range of credit cards with different rewards and benefits, so it's important to research and compare cards to find the best fit for your needs.