The 8 Best 0% APR Credit Cards of January 2023
When it comes to credit cards, the annual percentage rate (APR) is one of the most important factors to consider. The APR is the interest rate that you will pay on any outstanding balances on your credit card. A high APR can add hundreds of dollars to your credit card debt over time, making it more difficult to pay off.
One of the best ways to avoid high interest charges is to look for a credit card with a 0% APR. A 0% APR credit card allows you to make purchases and carry a balance without paying any interest for a certain period of time. This can be a great way to save money on interest charges and pay off credit card debt faster.
If you're in the market for a 0% APR credit card, there are plenty of great options to choose from. In this article, we'll take a look at eight of the best 0% APR credit cards available in January 2023.
- Chase Freedom Unlimited
The Chase Freedom Unlimited is a great option for those who want a simple, easy-to-use credit card with a 0% APR. This card offers a 0% APR on purchases and balance transfers for the first 15 months. After the promotional period ends, the APR will be 14.99% - 23.74% variable. This card also comes with a sign-up bonus of $200 after you spend $500 on purchases in the first 3 months from account opening.
- Citi Simplicity Card
The Citi Simplicity Card is another great option for those looking for a 0% APR credit card. This card offers a 0% APR on purchases and balance transfers for the first 18 months. After the promotional period ends, the APR will be 16.24% - 26.24% variable. This card also offers a sign-up bonus of $100 after spending $1000 in the first 3 months of account opening.
- Discover it Cash Back
The Discover it Cash Back is a great option for those who want a 0% APR credit card with cash back rewards. This card offers a 0% APR on purchases and balance transfers for the first 14 months. After the promotional period ends, the APR will be 11.99% - 22.99% variable. This card also offers a sign-up bonus of $200 cash back after spending $1000 in the first 3 months of account opening.
- Capital One Quicksilver Cash Rewards
The Capital One Quicksilver Cash Rewards is a great option for those who want a 0% APR credit card with cash back rewards. This card offers a 0% APR on purchases for the first 15 months. After the promotional period ends, the APR will be 15.49% - 25.49% variable. This card also offers a sign-up bonus of $200 after spending $500 in the first 3 months of account opening.
- Wells Fargo Platinum Card
The Wells Fargo Platinum Card is a great option for those who want a 0% APR credit card with no annual fee. This card offers a 0% APR on purchases and balance transfers for the first 18 months. After the promotional period ends, the APR will be 16.49% - 24.49% variable. This card also offers access to exclusive events and experiences through the Wells Fargo Experiences program.
- U.S. Bank Visa Platinum Card
The U.S. Bank Visa Platinum Card is a great option for those who want a 0% APR credit card with no annual fee. This card offers a 0% APR on purchases and balance transfers for the first 20 billing cycles. After the promotional period ends
, the APR will be 14.74% - 24.74% variable. This card also comes with a range of benefits including rental car insurance, travel accident insurance, and 24/7 customer service.
- Bank of America Cash Rewards
The Bank of America Cash Rewards credit card is a great option for those who want to earn cash back rewards while also enjoying a 0% APR. This card offers a 0% APR on purchases for the first 15 billing cycles and a 0% APR on balance transfers for the first 60 days. After the promotional period ends, the APR will be 14.49% - 24.49% variable. This card also offers a sign-up bonus of $200 after spending $1000 in the first 90 days of account opening.
- American Express Blue Cash Preferred
The American Express Blue Cash Preferred is a great option for those who want a 0% APR credit card with cash back rewards. This card offers a 0% APR on purchases for the first 12 months. After the promotional period ends, the APR will be 13.99% - 23.99% variable. This card also offers a sign-up bonus of $250 after spending $1000 in the first 3 months of account opening. Additionally, cardholders can earn 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases), and 3% cash back at U.S. gas stations and on select transit.
When choosing a 0% APR credit card, it's important to consider not only the length of the promotional period but also the APR after the promotional period ends. Additionally, it is important to consider the rewards and benefits offered by each card and how they align with your spending habits. By considering all of these factors, you can find the perfect 0% APR credit card to suit your needs.
It is also worth noting that, regardless of the 0% APR offer, credit cards should be used responsibly and paid off in full before the promotional period ends to avoid any additional interest or fees.
In conclusion, a 0% APR credit card can be a great way to save money on interest charges and pay off credit card debt faster. These eight credit cards offer a range of benefits, rewards and 0% APR promotions, making them some of the best options available in January 2023. Be sure to compare the terms and conditions of each card and pick the one that best fits your needs and spending habits.
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