Top 2021 Zero Percent Credit Cards – Compare & Apply Online 0% APR Cards


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Review the top Zero Percent cards for 2021

1. Slate by Chase
Key Features
– 0% Interest rate for 15 months on purchases and balance transfers
– No balance transfer fees
– No Annual fees

2. Citi Simplicity Card
Key Features
– Great inro period for a low rate balance transfer
– Free enrollment into the “Citi Easy Deals” program

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3. Chase Freedom Card
Key Features
– Earn 1% cash back on all purchases
– Cash rewards do not expire
– Balance transfer promotions up to 15 months
– No annual fee

5. BankAmerica Visa Card
Key Features
– 0% APR for first 15 billing cycles
– No Annual fee

6. Capital One Platinum Prestige Card
Key Features
– 0% APR for first 15 months on purchases and balance transfers
– No annual fee
– 24 hour travel assistance, including roadside
– $0 fraud liability

7. Bank America Travel Rewards
Key Features
– 0% APR for first 12 months for purchases
– Earn 1.5 points on every $1 purchase
– No limits or caps on points
– No foreign transaction fees

8. Barclay Rewards Mastercard
Key Features
– 0% APR for first 12 months for balance transfers and purchases
– Earn 1 point on every $1 spent
– Earn 2 points for every $1 spent on gas and groceries
– Complimentary FICO score
– Earn 10,000 bonus points with $1000 in purchases during first 90 days

Additional Cards to Consider
Citi Diamond Preferred
Barclay Arrival World Mastercard
Blue Cash Everyday from AMEX
Capital One Venture Rewards Card
Capital One Quicksilver Card

Many people hear about zero percent credit offers, that is cards that offer an introductory rate of zero percent interest. These offers can save you a lot of money during the time the offer is valid. However finding good valid offers is not easy, and most of these offers you must qualify for. If you do not qualify for an offer fully and apply anyway, chances are you will get denied the credit card and you will suffer the loss of points on your credit score. The ding to your credit score happens whenever a creditor pulls your credit bureau report or CBR, it is called an inquiry, so if you are shopping around for a zero percent interest card, make sure that you fully qualify for one. Qualifying for these cards usually means having solid employment and income and having been at your current job for one or more years, as well as having good credit. If your credit score is low, work on your credit score. Most of these cards will require credit scores in the mid to upper 700s. You should look up your credit score on a credit score website, for understanding and know your credit score is vital if you want to obtain one of these zero percent credit cards.

If your credit is good and you qualify for a zero percent interest credit card, there is good news; the field is highly competitive and credit card companies are offering ever more enticing offers to get new customers. Many of these cards will offer points, cash back offers, air miles and rewards. When looking for one of these types of cards, look for an offer with the most value. The credit card companies are offering these perks to lure the least risky consumers to apply for their credit cards.

Most of the 0% apr credit card offer apply to both purchases and balance transfers, allowing you to save even more money by transferring the balance from one card that is charging interest to the new card with the 0% apr. However you need to look for an offer with a good introductory rate length, zero percent promotional offer periods can vary from months to years, so choose the longest duration 0% offer that you qualify for. All of these offers will only allow 0% apr for a limited time only, so make sure you find the offer with an acceptable length to it. You also need to be aware that some of these cards will charge high-interest rates after the 0% apr offer expires, so you need to find a card with a good standard interest rate after the zero percent interest rate expires. It should be noted that offers with the longest duration of zero percent tend to have higher APRs after the zero percent rate expires, so do read the fine print of every offer you come across to better find the right offer for you. The rate of interest you will be charged later on is called your “go-to rate” and every card will have a different “go-to rate”, even among other cards offered by the same creditor.

Read the fine print of each credit card offer carefully. Beware of hidden charges or fee’s, for example, some credit cards with a zero percent introductory offer will actually charge you a high fee for failing to pay off your balance before the end of the introductory offer. In these cases, they will make you pay all the interest at your go to rate on the entire balance for the duration of the entire time you had the card, other fee’s to be aware of include balance transfer fee’s, which can range from 3% to 5% of the balance transferred, however, some cards offer only 1% to 2% if you have outstanding credit. Sometimes you can find a card that offers 1% to 2% for people with less than stellar credit but these offers often have hidden catches so do read the fine print. Read reviews from others who have had the card you are applying for, doing your homework is vital when choosing the right card for you, and knowledge is power. Compare several credit offers, take your time and pick the best offer for you.

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2021 Top Cards From American Express, AMEX, Barclaycard, Bank of America, Capital One, Chase, Citigroup all reviewed online