Credit cards that offer 0% interest are the cheapest way to borrow money. However, you need to do it right. The 0% interest rate lasts only during a specified time-frame, which is usually one year or more. Thus, you need to be aware of the expiration of the promotional period and all other tricks such as what is the real rate you will be paying after. The optimal solution would be to pay off your loan during the zero-fee period to open multiple other possibilities. 

Let’s see how you can do it!

 A. What is credit card 0% interest?

Wondering how these credit cards 0% interest work? You can use the credit card with 0% interest every month for regular purchases that you pay no interest on during the agreed number of months. However, don’t play with fire here, try to repay your debt on a monthly basis. This kind of loan may not be the best option for larger investments, but smaller ones such as replacing your fridge or sofa are more than suitable. 

B. Top 5 Credit Cards That Offer 0% Interest 

1. Discover it® Cash Back

Discover it® Cash Back offers a 14 months 0% rate. During this period, you don’t pay anything to the provider. On the other hand, you can earn 1% cashback for every $1 spent. You can also enjoy fantastic 5% rewards for every Amazon and PayPal payment as well as those made at restaurants and gas stations up to the quarterly maximum when you activate your card. After the intro 0% annual percentage rate (APR) the interest rate will be 11.99% – 22.99% depending on your further choices. 

2. Citi® Double Cash Card 


Here you can earn 2% for every purchase you make, plus an additional 1% when you pay for those purchases. Citi® Double Cash Card’s only requirement to enjoy this great benefit is to pay a minimum amount due on time. This 0% credit card fee heaven lasts for 18 months. After the promotional period, you will need to pay the variable APR whose worth is between 13,99% and 23,99% depending on your creditworthiness. Additionally, you don’t earn anything on bank transfers by choosing this card. 

4. Chase Freedom Unlimited

Chase Freedom Unliited’s offer is simply jaw-dropping. By opening their account you qualify for a 200$ bonus for $500 spent during the first three months. Besides that, you have a 5% cashback on purchases in grocery stores on up to $12,000 spent during the first year. All other purchases enable regular 1,5% cashback. After 15 months, your account will be connected with a variable APR of 14,99% to 23,74%. Make sure to use it all during the magnificent intro APR period. 

5. Citi® Diamond Preferred® Card

Citi® Diamond Preferred® Card offers 0% APR for both purchases and balance transfers during the first 18 months. After that period, you will have a variable APR of 14,74% to 24,74%, which is based on your credit trustworthiness. There is a requirement for bank transfers, which is that they need to be made during the first 4 months. The beauty of their offer lies in the terrific opportunity to enjoy special access to multiple events, including concerts, dining experiences, and sporting events. 

If you are still not sure which option is best for you, don’t hesitate to contact us at any time!