What Is The Best 0 APR Credit Card?

Have you ever wondered what the best 0 APR credit card was? Most people strive to get an unsecured card, which means you do not have to put down a deposit in order to get the card.

All of the cards discussed below are unsecured.

What is Your Goal?

The first thing you want to decide is what is your primary financial or lifestyle goal that you want to use the card to achieve. That will determine which account you should apply for. Because there are several 0 APR cards out there, and they vary from the amount of time that they carry 0 APR.

APR, by the way, means Annual Percentage Rate. That is the interest that you pay on whatever balance you carry.

If You Have Limited Credit History

If your goal is to have no annual fee on your card and you have limited credit history, the account you want to apply for is with Premier America Credit Union. They have a premier first rewards privileges card that does just that.

A Card for Each Goal

Improve a fair credit score – You will want to apply for an Amazon.com Store Card.

Transfer balances without paying balance transfer fees and get a 0 APR – Chase Slate is the account that you want to apply for.

A student who wants a 0 APR credit card – Discover Student Chrome is the account you want to apply for.

Rewards for dining and entertainment – Capital One SavorOne Cash Rewards Card is the card for you for a cash.

For a cash bonus – Capital One Quicksilver Cash Rewards Credit Card has that 0 APR you’re looking for.

Never pay late fees and get a 0 APR for a limited amount of time – Citi Simplicity card.

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Marie Martin
About the Author: Marie Martin
Marie F. Martin is an experienced bankruptcy attorney serving the Twin City area. She represents Minnesota families in bankruptcy court, and has handled thousands of Chapter 7 and Chapter 13 cases from beginning to end.